Best Pet Insurance In Alabama: Companies Reviewed In Birmingham And More

This content was reviewed by our licensed insurance agent, Michelle Schenker.

To keep the lights on, we receive affiliate commissions via some of our links. Our review process.

Husky Looking out at high Falls Alabama

Pet insurance can add protection for your furry canines. Whether exploring one of the historic state parks, walking along a trail, or attending a football tailgate, this state is fun to live in. Purchasing pet insurance in Alabama can offer you peace of mind during a stressful time, allowing you to direct your complete attention to your pet’s health and not the unexpected vet bills.

We’ve researched the best pet insurance in Alabama to offer valuable insight into what you should consider before signing a policy. Is pet insurance in Alabama worth the cost? Find out in our comprehensive guide.

Pet Insurance RankingBest OverallBest ValueFastest Claim ProcessingBest Multiple Pet DiscountBest Newcomer
CompanyPets BestFigoHealthy PawsEmbraceLemonade
Policy CoverageExtensiveExtensiveMore LimitedExtensiveMore Limited
Customer Service & ReputationGoodExcellent, StableExcellent, StableExcellent, StableUncertain, New
Claim Processing (avg)7-14 Days3 Days2 Days5 Days2 Days
Vet Direct Pay Option
Policy Price (avg)LowerLowerVariableHigherAverage
Plan CustomizationsMany OptionsMany OptionsRestricted OptionsMany OptionsMany Options
 Read ReviewRead ReviewRead ReviewRead ReviewRead Review

A dog’s breed is one of the determining factors for your pet insurance policy cost. Below is a ranking of the three most popular dog breeds in Alabama.

  1. Labrador Retrievers
  2. German Shepherds
  3. Beagles

What Are The Most Popular Dog Breeds In Baltimore?

These are the most popular dog breeds in Birmingham, one of Alabama’s most populous cities:

  1. German Shorthaired Pointer
  2. Cavalier King Charles Spaniel
  3. Australian Cattle Dog
  4. Goldendoodle

How Much Is Pet Insurance In Alabama?

Pet insurance pricing is based on your pet’s details (e.g., age, breed, location, etc.). According to NAPHIA (North American Pet Health Insurance Association), the average monthly premium for an accident and illness dog insurance policy in the U.S. in 2021 was $48.66 ($28.57 for cats).

Since prices vary based on where you live as well as your pet’s unique characteristics, the best way to determine how much it would cost you is to complete our quick pet insurance quote form and get real estimates for your pet from several top providers. This allows you to see how companies compare price-wise. With most companies, you can also adjust your monthly premium to better meet your needs. Reducing the deductible, reimbursement percentage, and annual payout can lessen it to better fit a lower budget.

Once you have your customized price quotes, you may wonder how coverage varies among the different providers. Our pet insurance comparison includes multiple charts to help you see key differences between coverage, waiting periods, age limitations, and more.

Which Alabama Cities Are Most Pet Friendly?

Alabama as a state ranks 44th for its overall pet-friendliness. It scores slightly above average for the number of pet shelters in the state, and 60% of the Cotton State’s residents are pet owners.

Birmingham is among the most pet-friendly cities compared to the 100 largest U.S. cities. Birmingham ranks as being:

  • The 15th most pet-friendly U.S. city.
  • 21st for pet budget*.
  • 20th for pet health and wellness**.
  • 87th for outdoor pet-friendliness***.

*Pet budget was determined by considering vet care costs, minimum pet-care provider rate per visit, and dog insurance premiums.
**Pet health and wellness was determined by considering veterinarians per capita, pet caretakers per capita, animal trainers per capita, pet businesses per capita, dog-friendly restaurants per capita, dog-friendly shops per capita, pet meetup groups per capita, doggie daycare and boarding establishments per capita, pet-friendliness of rental markets, average home square footage, share of single-family detached homes, share of homes with one or fewer occupants per room, animal shelters per capita, and strength of animal protection laws.
***Outdoor pet-friendliness was determined by considering weather, dog parks per capita, parkland as a share of the city area, walk score, dog-friendly trails per capita, and dog shows per capita. 

Person on computer checking pet insurance quotes (Caption: Save Money on Vet Bills; Button: Get Free Quotes)

Pet Insurance Claim: Cost And Reimbursement From An Alabama Customer

Below is a real-life pet insurance claim from a Healthy Paws pet insurance customer in Alabama.

  • Location: Birmingham, AL
  • Condition: Bloat (Gastric Dilatation and Volvulus)
  • Total Vet Cost: $1,500
  • Reimbursement: $1,260
  • Amount Customer Paid: $240

Should I Get Pet Insurance?

If the monthly premium for your dog is affordable in context to your financial circumstances, we think pet insurance is worth it. Good health isn’t guaranteed for any of us, but pet insurance can take the weight of financial responsibility off your shoulders. You’ll never have to choose between your dog’s health treatment and your wallet. Find out more about why pet insurance is worth considering.

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Disclaimer: Information regarding insurance company offerings, pricing, availability, and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.

The information provided through this website should not be used to diagnose or treat a health problem or disease; it is not intended to offer any legal opinion or advice or a substitute for professional safety advice or professional care. Please consult your health care provider, attorney, or product manual for professional advice. Products and services reviewed are provided by third parties; we are not responsible in any way for them, nor do we guarantee their functionality, utility, safety, or reliability. Our content is for educational purposes only.

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