Best Pet Insurance Companies & Plans
in Minnesota

Examine thoughtfully selected top-rated pet insurance companies in MN that provide cost-effective plans with comprehensive coverage for your pets.

Embrace pet insurance review
star reviews 4.5

Overall Rating 4.6 / 5

Embrace Pet Health Insurance

Embrace Pet Health Insurance stands out as a top choice for pet owners seeking comprehensive coverage tailored to their furry companions. With a range of specialized plans designed for dogs and cats, Embrace goes the extra mile to provide options that cater to your unique needs. Pet owners have the freedom to choose their deductibles, reimbursement percentages, and coverage limits, ensuring that the policy aligns perfectly with their budget and priorities.

  • Average monthly cost for dogs – $35
  • Average monthly cost for cats – $18
  • Maximum annual coverage – Unlimited
  • Deductible – $100 to $1,000
  • Max age limit – 14 years

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Spot pet insurance review
star reviews 4.5

Overall Rating 4.5 / 5

Spot Pet Health Insurance

Spot Pet Health Insurance has established itself as a top-tier choice in the world of pet insurance, earning a stellar 4.5-star rating. Their offerings for dogs and cats are nothing short of comprehensive, providing a wide range of solutions to safeguard your furry family members. They offer a variety of plans, each catering to different needs, encompassing accident coverage, illness protection, and even preventive care.

  • Average monthly cost for dogs – $54
  • Average monthly cost for cats – $23
  • Maximum annual coverage – Unlimited
  • Deductible – $100, $250, $500, $750, and $1,000
  • Max age limit – No limit

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FIGO Pet Insurance Review
star reviews 4.5

Overall Rating 4.5 / 5

FIGO Pet Health Insurance

FIGO Pet Health Insurance stands out with a 4.5-star rating, offering three levels of accident-and-illness coverage supported by innovative technology. Their Figo Pet Cloud app simplifies claims and policy management. FIGO has no age restrictions, offers 100% reimbursement, and focuses on fast reimbursements and flexible options for efficient pet healthcare management.

  • Average monthly cost for dogs – $29
  • Average monthly cost for cats – $17
  • Maximum annual coverage – $5,000 to unlimited
  • Deductible – $100 to $750
  • Max age limit – No limit

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Fetch pet-insurance review
four star review

Overall Rating 4.4 / 5

Fetch Pet Health Insurance

Fetch Pet Health Insurance, rated at 4.4 stars, provides comprehensive coverage for dogs and cats, including accident protection and holistic care. You can choose any licensed vet in the U.S. or Canada, and they cover advanced treatments. Fetch offers flexible options for deductibles, limits, and reimbursements, with a user-friendly application process.

  • Average monthly cost for dogs – $35
  • Average monthly cost for cats – $20
  • Maximum annual coverage – $15,000
  • Deductible – $250 to $500
  • Max age limit – No limit

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Pets Best Pet Health Insurance
star reviews 4.5

Overall Rating 4.3 / 5

Pets Best Pet Health Insurance

Pets Best Pet Health Insurance, rated at 4.3 stars, offers budget-friendly insurance plans for dogs and cats, specializing in accident and illness coverage. They provide customizable policies with various deductibles, reimbursement rates, and limits. Pets Best is committed to efficient claims processing and excellent service, ensuring the well-being of your pets.

  • Average monthly cost for dogs – $30
  • Average monthly cost for cats – $28
  • Maximum annual coverage – $2,500, $5,000, $10,000 or unlimited
  • Deductible – $50 to $1,000
  • Max age limit – No limit

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Trupanion Pet Insurance Review
star reviews 4.5

Overall Rating 4.3 / 5

Trupanion Pet Health Insurance

Trupanion Pet Health Insurance, rated at 4.3 stars, provides a unique approach with direct payments to vets and unlimited claims. They cover accidents, illnesses, and hereditary conditions for dogs and cats. Notably, Trupanion excels in handling chronic conditions, offering a lifetime per-condition deductible and typically reimbursing at 90%. With 24/7 customer support and a straightforward approach, Trupanion prioritizes pet-centric care, though it does not cover wellness or preventive care.

  • Average monthly cost for dogs – $70
  • Average monthly cost for cats – $40
  • Maximum annual coverage – Unlimited
  • Deductible – $0 to $1,000
  • Max age limit – 14 years

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Pumpkin Pet Insurance
star reviews 4.5

Overall Rating 4.2 / 5

Pumpkin Pet Health Insurance

Pumpkin Pet Health Insurance, rated at 4.2 stars, provides comprehensive coverage, including dental care, behavioral issues, hereditary conditions, and some pre-existing conditions. They offer standard deductibles, a 90% reimbursement rate, and have no upper age limits. Pumpkin’s commitment to holistic pet wellness is highlighted by the option to add preventive care.

  • Average monthly cost for dogs – $109
  • Average monthly cost for cats – $61
  • Maximum annual coverage – Unlimited
  • Deductible – $100, $250, $500, or $1,000
  • Max age limit – No limit

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Healthy Paws pet insurance review
star reviews 4.5

Overall Rating 4.2 / 5

Healthy Paws Pet Health Insurance

Healthy Paws Pet Health Insurance, rated at 4.2 stars, offers straightforward and comprehensive coverage with no annual or lifetime caps. They provide a 30-day money-back guarantee, prioritize pet wellness, and boast efficient claims handling via a mobile app and direct vet payments, earning recognition from the Better Business Bureau.

  • Average monthly cost for dogs – $72
  • Average monthly cost for cats – $36
  • Maximum annual coverage – $5,000
  • Deductible – $250 or $500 (under 6 years)
    $500-$1,000 (6 years and older)
  • Max age limit – No limit

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ASPCA Pet Insurance Review
four star review

Overall Rating 4.0 / 5

ASPCA Pet Health Insurance

ASPCA Pet Health Insurance, rated at 4.0 stars, offers tailored coverage for accidents, illnesses, and genetic conditions, including veterinary exam fees and microchipping. They provide flexible options for deductibles, rates, and coverage limits, with a 10% discount for multiple pets and wellness plans available. Committed to pet wellness, ASPCA offers a 24/7 telehealth line and allows visits to any licensed vet in the US or Canada.

  • Average monthly cost for dogs – $36
  • Average monthly cost for cats – $16
  • Maximum annual coverage – $10,000
  • Deductible – $100 to $500
  • Max age limit – No limit

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Metlife Pet Insurance
four star review

Overall Rating 4.0 / 5

Metlife Pet Health Insurance

MetLife Pet Health Insurance, rated at 4.0 stars, offers comprehensive and customizable coverage for dogs and cats, including accidents, illnesses, chronic conditions, and alternative treatments. With a legacy of industry excellence and affordable rates, MetLife provides flexible plans with personalized deductibles, reimbursement rates, and coverage limits. They prioritize a seamless insurance experience, combining efficient claims processing with responsive customer support, all in the best interest of your pet’s well-being.

  • Average monthly cost for dogs – Β $30
  • Average monthly cost for cats – $17
  • Maximum annual coverage – $10,000
  • Deductible – $50 to $2,500
  • Max age limit – No limit

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Prudent Pet Insurance Review
three and half starts

Overall Rating 3.8 / 5

Prudent Pet Health Insurance

Prudent Pet Health Insurance, rated at 3.8 stars, offers comprehensive and flexible coverage for dogs and cats, including accident, illness, and accident-only options. They prioritize a customer-centric approach, allowing customization of deductibles, reimbursement levels, and coverage limits. With competitive pricing and a hassle-free claims process, Prudent Pet aims to make pet insurance accessible and supportive of pet wellness.

  • Average monthly cost for dogs – $45
  • Average monthly cost for cats – $40
  • Maximum annual coverage – $5,000 or unlimited
  • Deductible – $50, $100, $200, $250, $500 or $1000
  • Max age limit – No limit

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Hartville Pet Insurance Review
three and half starts

Overall Rating 3.8 / 5

Hartville Pet Health Insurance

Hartville Pet Health Insurance rated at 3.8 stars, provides a wide range of customizable plans for dogs and cats, covering accidents, illnesses, and preventive care. Their focus on affordability and adaptability, including wellness options, makes them a valuable partner in pet health. With a user-friendly claims process and dedicated customer service, Hartville prioritizes the well-being of pets.

  • Average monthly cost for dogs – $49
  • Average monthly cost for cats – $28
  • Maximum annual coverage – $10,000
  • Deductible – $100, $250 or $500
  • Max age limit – No limit

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Understanding Pet Insurance in Minnesota

Understanding pet insurance in Minnesota means considering a few key factors. Pet insurance generally covers unexpected veterinary costs due to accidents or illnesses, with different plans offering varying levels of coverage. There are typically three types of plans: accident-only, comprehensive, and wellness plans. Each plan has exclusions and limitations, such as pre-existing conditions or breed-specific issues.

When choosing a policy, looking at the deductibles, premiums, and reimbursement levels is important. The deductible is the amount you pay before insurance kicks in, premiums are regular payments for the policy, and reimbursement levels determine how much of the vet bill the insurance covers after the deductible is met.

Why Consider Pet Insurance in MN

Opting for cat and dog insurance in Minnesota offers several benefits to pet owners:

  • Budget Management: Pet insurance can help manage pet care costs by converting unpredictable expenses into a regular, budgeted item.

  • Breed-specific Conditions: Some breeds are prone to specific health issues. Pet insurance can cover the costs of managing these breed-specific conditions.

  • Customizable Plans: Many insurers offer customizable plans, allowing you to choose the level of coverage that best fits your needs and budget.

  • Preventive Care Options: Some pet insurance policies also offer coverage for preventive care, such as vaccinations and regular check-ups, promoting overall pet health.

  • Legal and Liability Coverage: Depending on the policy, pet insurance can also provide coverage for legal issues or liabilities in case your pet causes harm to others.

  • Minnesota-Specific Benefits: Local laws and veterinary costs can vary. In Minnesota, certain policies might be tailored to suit local needs, including coverage for common health issues or aligning with state-specific pet laws.

  • Support for Long-Term Health: Regular veterinary care, supported by pet insurance, can help identify and treat health issues early, contributing to a longer, healthier life for your pet.

the best pet insurance in Minnesota

How Pet Insurance Works in Minnesota

Pet insurance in Minnesota provides financial coverage for veterinary expenses, with plans varying from accident-only to comprehensive coverage. Pet owners in cities like Minneapolis, Saint Paul, and Duluth pay a regular premium based on their pet’s details and the chosen plan. When medical care is needed, owners pay the vet bills, then file a claim with their insurer.

The insurance company reimburses some of these costs after the owner meets their annual deductible. Policy exclusions typically include pre-existing conditions and breed-specific health issues. This insurance is designed to make pet healthcare more affordable across Minnesota’s diverse urban and rural areas, adapting to different veterinary costs and pet needs in these regions.

How to Choose the Right Pet Insurance Company in Minnesota

Choosing the right pet insurance company in Minnesota involves considering several factors to ensure the best fit for your pet’s needs:

  • Coverage Options: Evaluate if the company offers accident-only, comprehensive, or wellness plans. Tailor your choice to your pet’s specific needs considering the common health concerns in your area, whether it’s Minneapolis’s urban setting or the rural landscapes of Greater Minnesota.
  • Cost and Deductibles: Compare the costs of premiums and the deductibles across different companies. Keep in mind that prices may vary depending on the region, with potentially higher costs in major cities like Saint Paul or Rochester.
  • Reimbursement Levels: Look at how much of the vet bill the company will reimburse after the deductible is met. Higher reimbursement levels can be more beneficial but might come with higher premiums.
  • Exclusions and Limitations: Check for any exclusions, such as pre-existing conditions or breed-specific exclusions, which can be crucial in areas like Duluth where certain breeds might be more common.
  • Customer Reviews: Read customer reviews, particularly those from pet owners in Minnesota. This can provide insights into the company’s customer service and claim handling efficiency.

Pet insurance is designed to make healthcare more accessible and affordable for pets, allowing owners to seek necessary treatments without being overly burdened by the cost. This is particularly relevant in diverse environments like Minnesota, where urban and rural areas present different living conditions and challenges for pet health.

Frequently Asked Questionsβ“πŸ™‹

What is pet insurance and how does it work in Minnesota?

Pet insurance is a type of insurance policy that covers your pet’s medical and health-related expenses. In Minnesota, it works by you paying for veterinary services upfront and then submitting a claim to your insurer for reimbursement based on your plan’s coverage.

How do pet insurance costs in MN compare to other states?

Pet insurance costs vary, typically influenced by local veterinary and living expenses. Generally, rates might be slightly higher in urban areas like Minneapolis than in rural areas, but they are often comparable to other states with similar living standards.

Are there pet insurance plans in Minnesota that cover wellness and preventive care?

Yes, some companies in Minnesota offer wellness or preventive care plans. These plans can cover routine care such as vaccinations, annual check-ups, and dental cleanings, which are crucial for maintaining your pet’s health.

Can I get pet insurance in Minnesota for an older pet or one with pre-existing conditions?

While most companies cover older pets, finding coverage for pre-existing conditions is more challenging. Some insurers may provide coverage with certain limitations, so reviewing the policy details or speaking to an insurance representative for clarification is important.

How does the climate in Minnesota affect my choice of pet insurance?

With its cold winters and active outdoor lifestyle, Minnesota’s climate can influence certain pet health issues like joint problems or outdoor injuries. When choosing a plan, consider these factors to ensure coverage for conditions that might be more prevalent due to the local climate.

What should I know about pet insurance for specific breeds in Minnesota state?

Certain breeds may have breed-specific health issues. In this state, where some breeds are more popular, it’s advisable to choose a plan that covers hereditary conditions common to your pet’s breed.

Can I get pet insurance for a cat or dog with a chronic condition?

Yes, but the condition might be considered a pre-existing condition and may not be covered. It’s important to review the policy details regarding chronic conditions.

Are there any Minnesota-based pet insurance companies, and are they better than national providers?

While there are both local and national pet insurance providers available in Minnesota, local companies might have a better understanding of Minnesota-specific pet health concerns. However, national providers often have more extensive networks and resources. Evaluating both options based on your specific needs is recommended.

How do I switch pet insurance providers if I’m not satisfied with my current one?

To switch providers, research and select a new insurer that meets your needs better. Then, ensure no lapse in coverage by timing the switch carefully. Notify your current insurer about your decision to cancel and follow their procedures for policy cancellation.

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