Best Pet Insurance Companies & Plans in Wisconsin
Discover top-rated, cost-effective pet insurance options in WI that provide comprehensive coverage at an affordable price.
Overall Rating 4.6 / 5
Embrace Pet Health Insurance
Embrace Pet Insurance offers comprehensive and affordable plans for dogs and cats, with unique Wellness Rewards and senior pet-friendly options. What sets them apart is their customizable policies, allowing you to choose deductibles, reimbursement rates, and coverage limits, prioritizing flexibility and cost-effectiveness. Embrace goes beyond insurance by providing hassle-free claims and responsive customer service, always keeping your pet’s well-being in mind.
- 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
Overall Rating 4.5 / 5
Spot Pet Health Insurance
Spot Pet Insurance provides comprehensive coverage for dogs and cats, encompassing accident, illness, and preventative care plans offered at Gold and Platinum tiers. They customize policies with various deductible choices, coverage limits, and reimbursement alternatives, allowing you to tailor your plan to your needs. Spot goes the extra mile by incorporating distinctive treatments such as alternative therapies. With no age constraints, it is an excellent choice for pets of all ages, particularly senior animals.
- 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
Overall Rating 4.5 / 5
FIGO Pet Health Insurance
FIGO Pet Health Insurance offers three levels of adaptable accident and illness plans, boosted with technological innovations to provide all-encompassing coverage. These plans extend coverage to various conditions, including hereditary and chronic ailments. With the convenience of the Figo Pet Cloud app, policyholders can effortlessly file claims and manage their policies. Notably, there are no age restrictions for enrollment, and they also offer the choice of 100% reimbursement rates.
- 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
Overall Rating 4.4 / 5
Fetch Pet Health Insurance
Fetch Pet Health Insurance offers an all-encompassing plan designed for the well-being of both dogs and cats, encompassing everything from accidents to holistic therapies. Their extensive policy enables visits to any licensed veterinarian in the United States or Canada and encompasses advanced treatment options. Through their user-friendly app or website, Fetch provides the flexibility of customizing deductibles, limits, and reimbursement rates, emphasizing a holistic and customer-centric approach to pet healthcare.
- 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
Overall Rating 4.3 / 5
Pets Best Pet Health Insurance
Pets Best Pet Health Insurance offers a range of cost-effective and comprehensive coverage options for both dogs and cats, featuring competitive premium rates and a variety of plan choices. Their primary focus lies in providing accident and illness coverage, with specific options tailored to senior pets. Pets Best takes pride in offering customizable policies, allowing you to adjust deductibles, rates, and limits to suit your needs.
- 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
Overall Rating 4.3 / 5
Trupanion Pet Health Insurance
Trupanion Pet Health Insurance stands out with its one-of-a-kind insurance plan that involves direct payments to veterinarians and does not impose any limits on payouts. This comprehensive coverage extends to accidents, illnesses, and hereditary conditions, catering to dogs and cats. Trupanion introduces a lifetime per-incident deductible, which is especially beneficial for managing chronic conditions, and typically provides a 90% reimbursement in most states.
- 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
Overall Rating 4.2 / 5
Lemonade Pet Health Insurance
Lemonade Pet Health Insurance offers modern and comprehensive coverage designed for dogs and cats, skillfully blending technology with affordability. Their plans cover essential accident and illness protection, and customers can opt for additional wellness coverage if desired. What truly distinguishes Lemonade is their dedication to social responsibility, as they direct unutilized funds towards charitable initiatives.
- 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
Overall Rating 4.2 / 5
Pumpkin Pet Health Insurance
Pumpkin Pet Health Insurance provides thorough coverage, extending its protection to dental, behavioral, and hereditary conditions and certain pre-existing ailments. Their comprehensive accident and illness plan come with distinctive advantages, including coverage for alternative therapies and prescription food supplements. Pumpkin stands out by offering the flexibility to tailor deductibles to your preferences while maintaining a consistent reimbursement rate of 90%, making it a suitable choice for various budgetary needs.
- 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
Overall Rating 4.2 / 5
Healthy Paws Pet Health Insurance
Healthy Paws Pet Health Insurance provides a simple, affordable, and all-encompassing coverage experience, characterized by the absence of annual or lifetime limits, providing reassurance to pet owners. Their straightforward plan, coupled with a 30-day money-back guarantee, prioritizes customer contentment. Although it may not cater specifically to older pets, its primary strengths lie in its ease of use and transparency.
- 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
Overall Rating 4.0 / 5
ASPCA Pet Health Insurance
ASPCA Pet Health Insurance, in partnership with Crum and Forster since 2006, offers personalized insurance packages prioritizing coverage for accidents, illnesses, and hereditary conditions. What sets it apart is its inclusion of veterinary examination fees, microchipping in the coverage, and the flexibility to adjust deductibles, rates, and coverage limits. They also extend a 10% discount for multi-pet households and the option to include wellness plans.
- 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
Overall Rating 4.0 / 5
Metlife Pet Health Insurance
MetLife Pet Health Insurance provides a versatile and comprehensive insurance solution tailored to the needs of both dogs and cats. Their coverage extends to accidents, illnesses, chronic and hereditary conditions, and even includes alternative treatment options. MetLife is celebrated for its longstanding reputation in the industry and its competitive premium rates.
- Average monthly cost for dogs – $30
- Average monthly cost for cats – $17
- Maximum annual coverage – $10,000
- Deductible – $50 to $2,500
- Max age limit – No limit
Overall Rating 4.0 / 5
ManyPets Pet Health Insurance
ManyPets Pet Health Insurance provides unique and specialized coverage for dogs and cats, encompassing accidents, illnesses, and wellness care. What distinguishes them from the competition is their willingness to provide coverage for pre-existing conditions, which other insurance providers typically exclude. ManyPets offers competitive pricing and designs their policies with a strong focus on customer satisfaction.
- Average monthly cost for dogs – $30
- Average monthly cost for cats – $25
- Maximum annual coverage – Unlimited
- Deductible – $250, $500
- Max age limit – No limit
Overall Rating 3.9 / 5
Wagmo Pet Health Insurance
Wagmo Pet Health Insurance brings together traditional accident and illness coverage with innovative wellness plans, providing comprehensive solutions for various aspects of pet care. These wellness plans make preventive care both convenient and cost-effective. Wagmo offers flexibility by allowing you to tailor deductibles, reimbursement rates, and coverage limits, granting a range of options in pet insurance.
- 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
Overall Rating 3.8 / 5
Prudent Pet Health Insurance
Prudent Pet Health Insurance provides a comprehensive and adaptable solution designed for dogs and cats, offering a range of plans encompassing accident and illness coverage, including options for accident-only coverage. Renowned for its commitment to customer satisfaction and flexible policies, Prudent Pet allows pet owners to personalize deductibles, reimbursement rates, and coverage limits according to their needs and preferences.
- 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
Overall Rating 3.8 / 5
Hartville Pet Health Insurance
Hartville Pet Health Insurance provides a range of comprehensive and personalized options designed for dogs and cats, including coverage for accidents, illnesses, and preventive care. Their commitment to flexibility shines through with the ability to customize deductibles, reimbursement rates, and coverage limits, accommodating diverse budgets and requirements. Hartville places a strong emphasis on affordability and adaptability, as evidenced by their wellness add-ons, making them a valuable ally in the realm of pet healthcare.
- 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
Understanding Pet Insurance in Wisconsin
Understanding pet insurance in Wisconsin involves a few key points:
- Coverage Options: Plans range from basic accident-only coverage to comprehensive plans including accidents, illnesses, and routine care.
- Cost: Varies based on the plan, pet’s breed and age, and chosen deductible.
- Deductibles and Reimbursements: Understand the out-of-pocket deductible and the percentage of costs covered after the deductible.
- Waiting Periods: Be aware of the initial period before coverage starts, especially for illnesses.
- Exclusions and Limitations: Know what is not covered, like pre-existing conditions and breed-specific issues.
- Comparison Shopping: Compare different insurance providers and plans, considering customer reviews and claim process.
- State-Specific Regulations: Be aware of any Wisconsin-specific insurance regulations.
Why Consider Pet Insurance in WI
Considering pet insurance in Wisconsin is a wise decision for several reasons. Firstly, it provides financial security against unexpected veterinary expenses. For example, if your pet has an accident or falls ill, emergency care, surgery, or ongoing treatment costs can be substantial. Pet insurance can cover a significant portion of these expenses, alleviating financial stress.
Secondly, with the advancements in veterinary medicine, more treatments are available for pets than ever, but they often come at a high cost. For instance, procedures like MRI scans or cancer treatments, which can run into thousands of dollars, are more manageable with insurance.
Another reason to consider pet insurance in Wisconsin is the peace of mind it offers. Knowing that you’re covered in an emergency means you won’t have to choose between your pet’s health and your finances.
How Pet Insurance Works
Pet insurance in Wisconsin works similarly to other types of insurance, with a few specifics tailored to pet care:
- Choosing a Plan: You start by selecting a pet insurance plan that suits your needs. Plans vary in coverage, from basic accident-only policies to comprehensive plans covering accidents, illnesses, and even routine care. Some plans may also offer wellness coverage as an add-on for routine procedures like vaccinations.
- Paying Premiums: You pay a monthly or annual premium to keep the insurance active. The premium amount depends on various factors such as the type of plan, your pet’s breed and age, and the chosen deductible.
- Meeting Deductibles: Before the insurance company pays for expenses, you must meet a deductible. This is the amount you pay out-of-pocket annually or per incident, depending on the policy structure.
- Submitting Claims: When your pet needs veterinary care, you pay the vet and then submit a claim to your insurance company. This process typically involves filling out a claim form and providing the vet’s invoice.
- Reimbursement: After reviewing your claim, the insurance company reimburses you for covered expenses, based on your plan’s reimbursement level. For example, if your plan covers 80% of expenses after the deductible, and you have a $1,000 vet bill with a $200 deductible, you’d be reimbursed $640.
- Understanding Exclusions: It’s important to know what is not covered by your insurance. Common exclusions include pre-existing conditions, breed-specific ailments, and certain hereditary conditions.
Choosing the Right Pet Insurance Company in Wisconsin
Choosing the right pet insurance company in Wisconsin involves considering various factors specific to your location and your pet’s needs. Suppose you’re in a city like Milwaukee or Madison. In that case, you might have access to a wide range of veterinary services, from specialized care to emergency services, which can influence the coverage you need. Comprehensive plans might be more suitable here due to the availability of advanced treatments.
For pet owners in areas like Green Bay or Kenosha, it’s essential to consider the outdoor lifestyle and climate. If your pet is more exposed to outdoor activities, a plan that covers accidents and injuries might be more relevant. Also, coverage for cold-related health issues could be important in regions with harsh winters, like Eau Claire or Wausau.
The proximity to veterinary services might be a factor in smaller towns or rural areas, such as La Crosse or Appleton. If you must travel farther for veterinary care, you might want a policy with higher coverage limits for potential emergency transport costs.
Selecting the right pet insurance company in Wisconsin requires a balance between understanding your pet’s specific needs based on your location, the coverage offered, and the insurer’s customer service reputation. Each city or area in Wisconsin has unique considerations, which should be factored into your decision. Consider the overall cost of the policy versus the coverage provided. While it might be tempting to go for the lowest premium, ensure that the coverage meets your pet’s needs and that the deductible and reimbursement levels are manageable for your budget.
Frequently Asked Questions❓🙋
What is pet insurance?
Pet insurance is coverage designed to help manage veterinary costs, including accidents, illnesses, and preventive care. In Wisconsin State, this can be especially helpful given the range of environments and pet lifestyles.
How does pet insurance work?
Pet insurance typically pays a monthly or annual premium for a chosen plan. When your pet needs medical care, you pay the vet bill and then submit a claim to the insurance provider for reimbursement based on your coverage.
How does the climate in Wisconsin affect my pet insurance needs?
Wisconsin’s varied climate, with cold winters and active summers, can lead to specific health risks for pets, like frostbite or heatstroke. Insurance plans that offer comprehensive coverage for weather-related illnesses or injuries can be beneficial in Wisconsin.
Are there breed-specific considerations when choosing pet insurance?
Yes. Some breeds are prone to certain health issues. For instance, larger breeds might be more susceptible to hip dysplasia, a condition often excluded from standard policies. Wisconsin pet owners should look for plans that cover breed-specific conditions.
Does living in a rural area like Appleton affect my pet insurance options?
Living in rural Wisconsin areas might mean fewer veterinary options and possibly higher transport costs for emergency care. Selecting a plan with higher coverage limits or that includes travel expenses for veterinary visits can be advantageous.
Can I use my pet insurance at any veterinary clinic?
Most pet insurance policies in Wisconsin allow you to use any licensed veterinarian, including specialists and emergency animal hospitals. However, it’s always wise to confirm this with your insurer.
How do Wisconsin's state laws affect pet insurance?
Wisconsin may have specific regulations that govern pet insurance, such as guidelines on disclosure of policy terms and handling of pre-existing conditions. Understanding these state-specific regulations can help in choosing the right insurance.
What should I know about coverage for older pets in Wisconsin?
As pets age, they are more prone to health issues, and some insurers have age limits or increased premiums for older pets. Wisconsin pet owners should look for policies without age restrictions and consider wellness coverage as their pets age.
Pet Insurance Navigation 🔗
- By Type: Best Dog Insurance 🐶 | Best Cat Insurance 🐈
- By State & City: Alabama | Alaska | Arizona | Arkansas | California | Colorado | Connecticut | Florida | Georgia | Guam| Hawaii | Idaho | Illinois | Indiana | Iowa | Kansas | Kentucky | Las Vegas | Los Angeles | Maine | Maryland | Massachusetts | Michigan | Minnesota | Mississippi | Missouri | Nebraska | New Hampshire | New Jersey | Nevada | New Mexico | New York | New York City | North Carolina | North Dakota | Ohio | Oklahoma | Oregon | Pennsylvania | Rhode Island | San Diego | South Carolina | South Dakota | Tennessee | Texas | Utah | Vermont | Virginia | Washington | Washington, D.C. | West Virginia | Wisconsin | Wyoming
- By Company: ASPCA | Embrace | FIGO | Fetch | Healthy Paws | Hartville | Lemonade | ManyPets | Metlife | Pets Best | Prudent | Pumpkin | Spot | Trupanion | WAGMO
- Insurance for Multiple Pets
Find the Best Pet Insurance Plan
Let us simplify your search and save you time and money!
Our team meticulously compare a variety of pet insurance plans to pinpoint the one that perfectly aligns with your pet's unique needs.
Just a few clicks away! Fill out this quick form and let us do the heavy lifting.
