Free Pet Insurance For Low Income Families

Top 20 Free Pet Insurance For Low-Income Families

Posted by

As a pet owner, you can agree that there are lots of fun experiences like happiness and companionship that come with always having your pet around you. To ensure these pet-and-owner fun moments are not short-lived, you will have to shoulder some responsibilities, like frequent veterinary visits, to keep your pet in good and healthy condition.

Pet insurance has proven to be the best way to ensure our pets receive the quality care they deserve. But what about those who can’t afford the cost of pet insurance premiums? Well, some firms provide free pet insurance for low-income families, and this can be a great deal for them.

In this article, we will be looking at those insurance providers that offer free pet insurance to pet owners. Also, we will be considering their locations and other vital information about them to make it easier for you when deciding which free pet insurance to go with.

Before we dive right in, let’s have a look at what pet insurance is.

Free Pet Insurance for Low-Income families

What is Pet Insurance?

Pet insurance is an agreement with an insurer in which the insurance firm covers the emergency cost of treating your pet’s illness, disease, or even accident.

These payments are often made to a veterinary doctor.

We can also say that pet insurance is a decision that you make to protect your pets from certain risks that will likely occur in the future.

There are different types of pet insurance, and it’s important that we briefly discuss them.

Types of Pet Insurance

The following are the types of pet insurance:

1. Lifetime Pet Insurance

This is the most comprehensive insurance plan for your pet. It covers both illness and injury as long as you renew the policy year after year.

All lifetime pet insurance is not the same. Hence, you must carry out some thorough research and read the terms and conditions before you make a claim.

2. Time-Limited Pet Insurance

These policies allow you to claim for a medical condition up to a specified amount for a limited time. They’re ideal if you want to cover a condition for one year and potentially pay the rest yourself.

3. Accident-Only Pet Insurance

This covers the vet fees for only unexpected injuries or accidents. Accident-only pet insurance does not cover illness or other sickness on the pet, unlike lifetime pet insurance.

4. Maximum Benefit Pet Insurance

Are you wondering what the difference is between lifetime pet insurance and maximum benefit? Then what you will read below will have you enlightened because you have come to the right place.

Maximum-benefit pet insurance gives you a pre-set amount to spend on each injury or illness with no time limit.

If your pet develops a long-term health condition or needs ongoing treatment for an injury, for example, you can claim as many times as you need to until the maximum benefit has been reached.

However, after this, you’ll no longer be able to claim for that illness or injury even if your pet needs further treatment.

5. Preventive care plan

Since preventive care is never included in standard pet insurance policies, many companies offer it as an add-on for an extra monthly fee.

Most preventive care plans cover routine vet visits and treatments such as wellness exam fees, fecal tests, blood work, and vaccines.

Now that we’ve discussed the types of pet insurance, let’s delve into free pet insurance for low-income families.

20 Free Pet Insurance For Low-Income Families

Below is a list of free pet insurance options you might be interested in:

1. RedRover

  • Year Founded: 1987
  • Location: USA and Canada.

Description: RedRover is an animal welfare nonprofit that focuses on bringing animals from crisis to care and strengthening the human-animal bond.

The first on our list is the Red Rover. They help low-income families take care of veterinary care costs when needed. They also assist pets during times of emergency or crisis


2. Pet Assure

  • Year Founded: 1995
  • Location: USA.

Description: Pet Assure was founded on the principle that connecting pet parents to veterinarians is the best way to support pet-family bonds.

Their offer is available for every pet owner, regardless of your income. Pet Assure provides a veterinary discount plan for pet owners.


3. Brown Dog Foundation

  • Year Founded: 2006
  • Location: USA.

Description: Brown Dog Foundation is a non-profit organization dedicated to helping families without full financial resources afford the care necessary to save their pets.

The Brown Dog Foundation lets pet owners apply for financial assistance to cover the cost of treatment for their pets. Are you having veterinary life-threatening costs? Then this is your “go-to” firm.


4. Shakespeare Animal Fund

  • Founded: 2004.
  • Location: USA.

Description: Shakespeare Animal Fund is a charity dedicated to helping people who need assistance paying their pets’ veterinary bills in case of illness or injury.

They cover the life-saving expenses of pets. They are dedicated to solving and saving the lives of the elderly and those critically ill.


5. The Pet Fund

  • Year Funded: 2003
  • Location: USA.

Description: The Pet Fund is a registered 501(c)3 nonprofit organization that provides financial assistance to owners of domestic animals in the United States.

The Pet Funds offer assistance in non-emergency pet life matters. They offer help in the treatment of severe pet injuries.



  • Year Founded: 1998.
  • Location: USA.

Description: In Memory of Magic (IMOM)​​ IMOM is dedicated to ensuring that no companion animal has to be euthanized simply because their caretaker is financially challenged.

IMOM is an institution that provides financial help for urgent medical care for pets. Their main aim is to prevent euthanasia due to a lack of money.

Do you have a low income? Then you can apply with your pet’s medical report.

7. Animal Welfare Assistance Group (AWAG)

  • Year Founded: 1948.
  • Location: USA.

Description: The purpose of the Animal Welfare Assistance Group (AWAG) is to promote the welfare of, and reduce the number of surrendered and abandoned companion animals around the world.

Animal Welfare Assistance Group provides financial assistance to low-income families for veterinary care. pay more attention to helping low-income families who have exhausted their financial capacity and can no longer afford the expenses associated with pets.


8. The Mosby Foundation

  • Year Founded: 2003.
  • Location: USA.

Description: This is a wonderful, non-profit organization that assists dogs in need of surgery when their families are not able to cover the cost

They provide emergency vet assistance to pets in critical condition.


9. Handicapped Pets Foundation

  • Year Founded: 2001.
  • Location: USA.

Description: The Handicapped Pets Foundation is a non-profit corporation dedicated to the health and well-being of elderly, disabled, and injured pets.

They donate new or reconditioned wheelchairs to pets in need. This helps them to move and get the exercise they need to live long and happy.

This company also offers assistance to low-income families who have pets that have challenges with movement.


10. Paws 4 A Cure

  • Year Founded: 2007
  • Location: USA.

Description: Paws 4 A Cure is an all-volunteer nonprofit organization that provides financial assistance to those who cannot afford veterinary care for their beloved furry family members.

Paws 4 A Cure helps dogs and cats with all illnesses and injuries.

They help pay the bills that are associated with the treatment of injuries and diseases on cats and dogs.


11. Pet Assistance, Inc

  • Year Founded: 1973
  • Location: USA.

Description: Pet Assistance Inc. offers pet owners education, advocacy, and financial assistance when seeking emergency veterinary care.

They also subsidize emergency veterinary care for pets of people in financial need.

A lot of pet owners would have surrendered their pets if not for Pet Assistance, Inc. They offer financial assistance to pet owners so they can provide a good life for their pets.


12. Rose’s Fund for Animals

  • Year Founded: 2000
  • Location: USA.

Description: The Rose’s Fund for Animals offers assistance in the case of an emergency. They help cover several medical costs, including surgeries.

When there is a situation where the pet or found animal has a good chance of being well, but the owner or Good Samaritan can’t afford it, this fund will help cover the cost.


13. Brownie’s Fund

  • Year Founded:  1948
  • Location: USA.

Description: The Brownie’s Fund specifically helps pets with emergency care needs. The Brownie’s Fund specifically helps pets with emergency care needs.

14. Frankie’s Friends

  • Year Founded: 1999.
  • Location: USA.

Description: Frankie’s Friends is a non-profit foundation dedicated to finding cures and saving pets with cancer and other life-threatening diseases.

It provides financial assistance to pets who undergo surgeries, chemotherapy, and radiation.


15. Cody’s Club

  • Year Founded: 1939
  • Location: USA.

Description: This is one of the oldest pet insurance firms that aims to make the treatment of cancer very affordable for pet owners.

They aim to provide the best possible service to their customers through the swift and easy response of their customer service.

16. Canine Cancer Awareness

  • Year Founded: 2005
  • Location: USA.

Description: Canine Cancer Awareness was created in 2005 to create awareness about cancer in pets. They strive to eliminate cancer in pets through education, outreach, and research.

This pet insurance assists low-income families with financial assistance when it comes to cancer diagnosis. They also assist pet owners in the treatment of pet cancers.


17. Cats In Crisis

  • Year Founded: 2019
  • Location: UK.

Description: Cats in Crisis Inc. is a small nonprofit insurance owned and run by volunteers. They provide financial assistance to low-income families in the treatment of their pets.


18. The Onyx & Breezy Foundation

  • Year Founded: 2004.
  • Location: USA.

Description: The Onyx & Breezy Foundation focuses majorly on families who cannot afford the essential treatments for their pets.

They provide financial assistance to low-income families for medical treatments of their pets.


19. God’s Creatures Ministry

  • Year Founded: 1987
  • Location: USA.

Description: GCM is a non-profit organization with a mission for all animals to be treated by people with kindness.

They promote compassion, respect, and protection of all sentient creatures and encourage churches and similar organizations to have either their animal ministry or GCM extension.

Also, they provide financial assistance during critical times for a pet.

20. CareCredit

  • Year Founded: 1987.
  • Location: USA.

Description: CareCredit helps you pay for out-of-pocket healthcare expenses for you, your family, and even your pets.

It offers very low or no interest for qualified applicants who want to insure their pets.


The above are 20 free pet insurance for low-income families.  We hope you make a fine choice when choosing which to work with.


Which is the best free pet insurance?

We have provided you with the best list of free pet insurance companies. You can make a choice as they are all exceptional.

How do I know the pet insurance suitable for me?

Well, it's important you take your time to do personal research on these companies so you can decide which is suitable for you.

Can I have a dog without insurance?

While it is not legally compulsory to purchase insurance for your dog, dogs are highly prone to sicknesses, and securing insurance for your dog can help save costs.

What happens if I don't have pet insurance?

If you do not insure your pet and they become ill or injured, and you cannot afford to pay the vet bill in a lump sum, your vets may offer a payment plan through a finance company which allows you to pay for their services through an agreed timescale and monthly amount.


Pet insurance is vital for all pet owners, even if you are from a low-income family. The above-listed insurance companies have made it even easier to own pets due to the financial assistance they provide to pet owners.

With effective use of these resources, low-income families can ensure their pets receive the adequate medical care that they deserve.

It’s also very important to research so you can understand the terms and conditions attached to using these companies.

We Also Recommend:

How Much Does Landlord Insurance Cost Per Month?

Top 10 Benefits of Health Insurance Explained

Top 10 Most Expensive Insurance Companies In the World

Top 25 Insurance Companies in Nigeria