Best Pet Insurance Companies & Plans
in North Dakota

Explore premier pet insurance providers in ND, renowned for their top-notch coverage at budget-friendly rates.Β 

Embrace pet insurance review
star reviews 4.5

Overall Rating 4.6 / 5

Embrace Pet Health Insurance

Embrace Pet Health Insurance shines in North Dakota with its wide array of coverage options tailored to meet the distinct needs of both dogs and cats. Standing out with specialized plans such as Wellness Rewards and coverage designed for senior pets, Embrace goes above and beyond. What sets Embrace apart is its commitment to providing customizable insurance policies, empowering pet owners in North Dakota to choose deductibles, reimbursement percentages, and coverage limits that align with their individual preferences and financial situations.

  • 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 garnered an admirable 4.5-star rating for its inclusive pet insurance offerings tailored for the needs of dogs and cats in North Dakota. Their insurance plans cover a broad spectrum, including safeguards against accidents, illnesses, and preventive care measures. Spot is adaptable stance towards insurance policies distinguishes Spot, granting pet owners in North Dakota the flexibility to choose among different deductibles, coverage ceilings, and reimbursement options, all while incorporating alternative therapies within their comprehensive coverage plans.

  • 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 in North Dakota has achieved a commendable 4.5-star rating for its innovative approach to pet insurance. FIGO offers a distinctive strategy with three tiers of coverage for accidents and illnesses, supported by cutting-edge technology. Their insurance plans cover a wide array of medical conditions, and they enhance customer convenience through the Figo Pet Cloud app, streamlining the claims process and management of insurance policies.

  • 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 has earned a robust 4.4-star rating for its pet insurance offerings in North Dakota, delivering broad coverage for both dogs and cats. Their policies are thorough, encompassing protection from accidents to holistic care, ensuring comprehensive support. What sets Fetch apart is its flexibility, allowing pet owners to customize their plans by choosing from various deductible, limit, and reimbursement options.

  • 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

North Dakota pet owners highly value pets Best Pet Health Insurance for its 4.3-star service, offering cost-effective and customizable insurance plans for dogs and cats. Specializing in coverage for accidents and illnesses, including plans tailored for older pets, Pets Best stands out in North Dakota for its flexibility. Pet parents from Fargo to Bismarck can personalize their policies with various deductible, reimbursement, and coverage options, ensuring their furry family members are well-protected across the Peace Garden State.

  • 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, with a 4.3-star rating, brings a unique approach to pet insurance to North Dakota, featuring direct veterinarian payments and no cap on claims. Its comprehensive coverage benefits pet owners in North Dakota cities and rural areas, catering to accidents, illnesses, and hereditary conditions. Trupanion’s lifetime per-condition deductible is especially appealing for pets with chronic conditions, offering a 90% reimbursement rate that resonates with pet owners from Grand Forks to Dickinson.

  • 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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Lemonade pet insurance review
star reviews 4.5

Overall Rating 4.2 / 5

Lemonade Pet Health Insurance

Lemonade Pet Health Insurance, earning a 4.2-star rating, integrates cutting-edge technology with affordable coverage for North Dakota’s pet parents. Their policies cover accidents and illnesses and offer wellness add-ons. Lemonade’s commitment to social responsibility, through donations of unclaimed funds to charities, sets it apart, making it a favored choice among environmentally and socially conscious pet owners in Minot, Williston, and beyond.

  • Average monthly cost for dogs – $31
  • Average monthly cost for cats – $17
  • Maximum annual coverage – $100,000
  • Deductible – $100, $250, $500
  • 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, holding a 4.2-star rating, is praised for its comprehensive insurance solutions covering everything from dental care to behavioral issues in North Dakota. Pumpkin’s extensive coverage, including alternative therapies, offers peace of mind to pet owners in every corner of North Dakota, ensuring that pets from Jamestown to Mandan receive the best possible 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 is recognized across North Dakota for its straightforward, cost-effective coverage, boasting a 4.2-star rating. Offering a plan free from annual or lifetime limits, Healthy Paws is a preferred choice for pet owners seeking simple, transparent insurance solutions from the Red River Valley to the Badlands, ensuring pets receive top-notch care without financial stress.

  • 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, with a 4.0-star rating, is well-regarded in North Dakota for its tailored insurance solutions covering accidents, illnesses, and genetic conditions. Including coverage for vet exams and microchipping, ASPCA’s plans meet the diverse needs of North Dakota pets, ensuring comprehensive care in urban centers and rural communities alike.

  • 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 flexible and comprehensive insurance options for dogs and cats throughout North Dakota. With policies that cover a wide range of health issues and alternative therapies, MetLife stands out as a competitive choice for pet owners in North Dakota, from the bustling streets of Fargo to the quiet towns of the Missouri Plateau.

  • 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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Many Pets Pet Insurance Review
four star review

Overall Rating 4.0 / 5

ManyPets Pet Health Insurance

ManyPets Pet Health Insurance, with a commendable 4.0-star rating, introduces unique insurance offerings to North Dakota, including coverage for wellness care and pre-existing conditions. This inclusive approach makes ManyPets a valuable option for pet owners across the state, ensuring that pets in areas from Valley City to Watford City have access to comprehensive healthcare services.

  • Average monthly cost for dogs – $30
  • Average monthly cost for cats – $25
  • Maximum annual coverage – Unlimited
  • Deductible – $250, $500
  • Max age limit – No limit

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WAGMO pet insurance review
four star review

Overall Rating 3.9 / 5

Wagmo Pet Health Insurance

Wagmo Pet Health Insurance, holding a 3.9-star rating, distinguishes itself in North Dakota with its blend of traditional coverage and innovative wellness plans. Designed to make preventive care more accessible, Wagmo’s flexibility in policy customization is highly valued by pet owners in North Dakota, offering adaptable insurance solutions that cater to the unique needs of pets and their guardians statewide.

  • Average monthly cost for dogs – $49
  • Average monthly cost for cats – $28
  • Maximum annual coverage – up to $20,000*
  • Deductible – $250, $500, $1,000
  • 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, with a 3.8-star rating, provides North Dakota’s pet owners with broad and adaptable protection for dogs and cats. Known for its customer-centric approach, Prudent Pet enables pet guardians across North Dakota, from the Great Plains to the rugged Roosevelt National Park, to tailor their insurance plans, offering a versatile approach to pet healthcare in the state.

  • 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

With a commendable 3.8-star rating, Hartville Pet Health Insurance provides a diverse selection of fully customizable plans tailored precisely to meet the unique needs of North Dakota’s dogs and cats. These all-encompassing plans extend coverage for accidents, illnesses, and preventive healthcare. Hartville offers numerous options to personalize your insurance journey, enabling you to adjust deductibles, reimbursement rates, and coverage limits, effectively accommodating various financial circumstances and pet care requirements.

  • 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 North Dakota

Pet insurance in North Dakota is designed to help pet owners manage the cost of veterinary care. This type of insurance typically covers a portion of medical expenses arising from accidents, illnesses, and sometimes even routine wellness care, depending on the policy.

Pet owners in North Dakota can choose from various plans with different levels of coverage, deductibles, and premium costs. Coverage can vary widely, so it’s essential for pet owners to read the terms and conditions carefully to understand what is and isn’t covered, including any breed-specific exclusions or limits on coverage for pre-existing conditions.

Why Consider Pet Insurance in ND

Considering pet insurance in North Dakota is beneficial for several reasons:

  • Financial Security: Helps mitigate the financial impact of unexpected veterinary bills due to accidents, illnesses, or emergencies, making pet care more affordable.
  • Comprehensive Care: Many plans offer a range of coverage options, including treatments for illnesses, surgeries, prescriptions, and sometimes wellness care, ensuring pets receive comprehensive medical attention when needed.
  • Peace of Mind: Provides peace of mind knowing you can afford quality veterinary care, allowing for better health outcomes for your pet without financial strain.
  • Customizable Plans: Policies can be tailored to fit different budgets and needs, with choices in deductibles, coverage limits, and reimbursement levels.

the best pet insurance in North DaKota

How Pet Insurance Works in ND State

Pet insurance in North Dakota operates on a reimbursement model, where pet owners pay out-of-pocket for their pet’s medical care and then submit a claim to their insurance provider for reimbursement. Coverage and reimbursement rates vary by plan, affecting how much the vet bill is covered.

Policies are available across North Dakota, including major cities like Fargo, Bismarck, Grand Forks, and Minot, as well as rural areas and smaller towns.

Pet owners can customize their coverage based on deductible amounts, reimbursement percentages, and annual or incident coverage limits when selecting a policy.

Choosing the Right Pet Insurance Company in North Dakota

Choosing the right pet insurance company in North Dakota involves considering several factors to ensure the best fit for your pet’s needs and your budget. Here are key considerations:

  • Coverage Options: Look for companies offering comprehensive coverage that suits your pet’s needs, including accident and illness coverage, chronic condition management, and wellness care. Whether you’re in Fargo, Bismarck, or rural areas like the Missouri Plateau.
  • Cost: Compare premiums, deductibles, and reimbursement rates across different companies. Keep in mind that costs may vary based on your location.
  • Exclusions and Limits: Understand any breed-specific exclusions, waiting periods, and limitations on coverage for pre-existing conditions. Whether your pet is seen in Dickinson, Mandan, or any part of the Peace Garden State is crucial.
  • Flexibility: Choose a company that offers flexibility in customizing your plan, including deductible and reimbursement level options, so you can tailor the coverage to fit your needs in cities like Williston or smaller communities throughout North Dakota.
  • Customer Reviews and Reputation: Research customer reviews and the company’s reputation in areas like Jamestown, Valley City, and beyond. Look for feedback on claim processing times and customer service.

Choosing the right pet insurance in ND requires careful consideration of various factors, including coverage options, cost, company reputation, policy limits, exclusions, ease of claim filing, and customer support. By meticulously evaluating these aspects, pet owners can find an insurance plan that best suits their needs and provides peace of mind, ensuring their furry friends are well-protected and cared for.

Frequently Asked Questionsβ“πŸ™‹

How do pet insurance premiums vary across different cities in North Dakota?

Premiums can vary based on the cost of living and veterinary care costs in different areas. For example, pet owners in larger cities like Fargo and Bismarck might see slightly higher premiums than those in rural areas due to higher veterinary costs.

Are there any ND-specific regulations affecting pet insurance?

While pet insurance is primarily regulated at the state level, North Dakota follows general guidelines set forth by the National Association of Insurance Commissioners. These guidelines ensure consumer protection but do not significantly differ from those in other states.

Can I use my pet insurance at any vet?

Yes, most pet insurance plans allow you to use your coverage with any licensed veterinarian in North Dakota, from Grand Forks to Dickinson, providing flexibility and convenience for pet owners.

How does the claims process work for pet insurance in North Dakota?

After paying for your pet’s treatment, submit a claim and invoice to your insurance provider. The company then processes your claim based on your plan’s coverage and reimburses you accordingly. Processing times can vary.

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

Yes, some companies offer wellness or preventive care as an add-on or as part of their comprehensive plans, covering routine visits, vaccinations, and preventive treatments.

Is it possible to insure older pets in North Dakota?

Options may be limited, and premiums higher. Some companies have age limits for new policies but offer special plans for senior pets, focusing on age-related conditions.

What factors should I consider when choosing a deductible for my pet's insurance plan?

Consider your financial situation and how much you can afford to pay out-of-pocket in an emergency. Higher deductibles usually mean lower premiums, but they also mean higher upfront costs for care.

How quickly can I start using my pet insurance after purchasing a policy in North Dakota?

There’s usually a waiting period before coverage begins, ranging from a few days for accidents to several weeks for illnesses. This period is designed to prevent fraud and varies by insurance provider.

What should I do if my pet insurance claim is denied?

First, review the reason for denial to ensure it’s not due to incomplete information or a misunderstanding. If you believe the claim was unjustly denied, you can appeal the decision with your insurance provider. Documentation and persistence are critical in these situations.

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