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5 Best Pet Insurance Companies in Minnesota (2021)

Purchasing a pet insurance policy is a great way to save money and ensure your companion always gets the care it needs. Learn about the best pet insurance companies in Minnesota and what makes each of them stand out.

A ginger cat lounging on the white windowsill of a home near a green houseplant. Adobe

As a pet owner in Minnesota, you’re likely worried about your furry friend’s health and don’t want it catching a digestive illness or breaking a bone while playing in the park. Pet insurance provides peace of mind that you’ll be able to afford any necessary treatments and procedures related to your cat or dog’s unexpected emergency, getting it back to good health as quickly as possible.

The This Old House Reviews Team has surveyed pet owners nationwide to learn about the industry and analyzed top pet insurance companies on key metrics such as customer service, monthly costs, plan options, and coverage to help you find the best pet insurance policy in Minnesota.

We’ve also included sample quotes for policies with an 80% reimbursement rate, a $250 annual deductible, and a $5,000 annual coverage limit when applicable for 4-year-old pets in Minneapolis to give you an idea of monthly costs with each provider.

Minnesota’s Top 5 Pet Insurance Providers

  • Prudent Pet: Most Comprehensive Plan
  • Healthy Paws: Best Coverage Limit
  • Embrace: Best Deductibles
  • Spot: Most Customizable Plans
  • Pawp: Best Digital Clinic

Prudent Pet

Prudent Pet is an ideal choice for pet owners who want a comprehensive plan that covers extra reimbursements for lost-pet advertising money, vacation cancellation fees, and a few other items.

Some highlights include:

  • Our score: 95
  • Provides unlimited annual coverage with the Ultimate Plan
  • Coverage of up to $1,000 for behavioral treatments included with the Ultimate Plan
  • Has an Accident-Only Plan option with $10,000 of annual coverage on accidents and injuries

Prudent Pet Pros and Cons

Compare the advantages and disadvantages of Prudent Pet:

✔ Includes access to a 24/7 vet chat with each plan

✔ Provides a 10% multi-pet discount for policies on additional pets

✔ Offers three preventative care coverage limit and monthly pricing options

✘ Doesn’t allow you to customize your annual coverage limits like most other providers do

✘ Doesn’t provide a mobile app for policy management and claims filing

Prudent Pet Plans and Coverage

Prudent Pet offers three plans: Accident-Only, Essential, and Ultimate. The Accident-Only Plan covers up to $10,000 of vet bills per year for accident- and injury-related emergencies. The Essential Plan covers up to $10,000 of vet bills per year for both accidents and illnesses, including cancer, digestive illness, hereditary conditions, hip dysplasia, and more.

The Ultimate Plan covers everything in the Essential Plan, but it comes with unlimited annual coverage and includes reimbursement for lost-pet advertising and reward fees, vacation cancellation fees, boarding fees if you’re hospitalized for more than four days and need help caring for your pet, mortality costs that cover cremation or burial of a pet, and the replacement cost if your pet is lost or stolen.

You can also add coverage for vet exam fees and preventative wellness care. The preventative plan costs between $7 and $25 per month and comes with a total of $210, $315, or $460 per year for treatments like vaccinations, wellness exams, microchipping, and deworming.

Prudent Pet Sample Monthly Pricing

Species - Breed Dog - Medium Mixed Dog - Labrador Retriever Dog - Maltese Cat - Ragdoll
Species - Breed Dog - Medium Mixed Dog - Labrador Retriever Dog - Maltese Cat - Ragdoll
Accident-Only Plan $19.75 $28.97 $21.63 $14.92
Essential Plan $44.89 $65.83 $49.16 $33.92
Ultimate Plan $59.36 $87.06 $65.01 $40.44

Healthy Paws

Healthy Paws is a top-rated pet insurance provider that includes unlimited coverage caps with all policies typically at a lower cost than other providers’ unlimited coverage options.

Some highlights include:

  • Our score: 93.5
  • Offers unlimited coverage caps with no lifetime, per-incident, or annual limits
  • Has a donation program with more than $1 million of contributions to help homeless pets
  • Provides a 30-day money-back guarantee

Healthy Paws Pros and Cons

Compare the advantages and disadvantages of Healthy Paws:

✔ Has been in business for more than 11 years, which is longer than most competitors in this review

✔ Processes most claims within two days of pet owners filing a claim

✔ Recommends other pet insurance providers if your quoted price is abnormally high

✘ Doesn’t allow owners of pets who are 6 years or older to customize their plan

✘ Doesn’t cover hip dysplasia until after the 12-month waiting period is over

Healthy Paws Plans and Coverage

Healthy Paws offers one accident and illness plan for coverage on treatments, procedures, and other costs like cancer treatment, X-rays, diagnostic tests, surgery, hospitalization, prescription medications, specialty care, alternative treatment, and more. It doesn’t have any coverage limits, so you’ll never owe money out of pocket during a claim aside from your deductible and copay.

Although Healthy Paws’ pet insurance plan is comprehensive, it doesn’t cover behavioral treatments, spay or neuter procedures, office visit or exam fees, pre-existing conditions, and hip dysplasia during the first 12 months of the policy. It also doesn’t offer any preventative care options like many competitors do for additional coverage on routine care.

Healthy Paws Sample Monthly Pricing

Species - Breed Dog - Medium Mixed Dog - Labrador Retriever Dog - Maltese Cat - Ragdoll
Species - Breed Dog - Medium Mixed Dog - Labrador Retriever Dog - Maltese Cat - Ragdoll
Accident and illness plan $55.95 $82.72 $55.95 $32.82

Embrace

Embrace offers accident and illness pet insurance policies with five deductible options and a unique diminishing deductible benefit called the Healthy Pet Deductible.

Some highlights include:

  • Our score: 93.5
  • The Healthy Pet Deductible included with each policy credits you with $50 toward your deductible for each year you don’t file a claim
  • Offers a 5% discount for military members
  • Has 18 years of experience in the pet insurance industry

Embrace Pros and Cons

Compare the advantages and disadvantages of Embrace:

✔ Covers 100% of vet bills included in its Wellness Rewards add-on, rather than having per-item limits

✔ Offers a free medical history review of your pet after you purchase a policy

✔ Donates $2 to charity with every policy purchase

✘ Doesn’t offer coverage limit options beyond $30,000, which is lower than many competitors

✘ Requires a $1 monthly installment fee, but it can be avoided by paying annually for your policy

Embrace Plans and Coverage

Embrace’s pet insurance plan covers accidents and illnesses like dental trauma, congenital conditions, cancer, allergies, and more. It reimburses pet parents for necessary treatments, procedures, exam fees, and other costs, including diagnostics, hospitalization, surgery, and physical therapy. It doesn’t cover elective procedures, breeding and pregnancy-related issues, and pre-existing conditions.

Embrace’s Wellness Rewards Plan pays for 100% of preventative care vet bills up to your chosen annual limit of $250, $450, or $650. Qualifying costs include routine vet visits, microchipping, prescription diet foods, teeth cleanings, grooming, and more.

Embrace Sample Monthly Pricing

Species - Breed Dog - Medium Mixed Dog - Labrador Retriever Dog - Maltese Cat - Ragdoll
Species - Breed Dog - Medium Mixed Dog - Labrador Retriever Dog - Maltese Cat - Ragdoll
Accident and Illness Plan $50.97 $76.45 $43.94 $48.40
Accident and Illness Plan with Wellness Rewards Plan $69.72 $95.20 $62.69 $67.15

Spot

We recommend Spot to pet parents looking for the most customization options for their pet insurance plan to ensure they only pay for the amount of coverage they need.

Some highlights include:

  • Our score: 91
  • Provides seven annual coverage limit options to choose from, which is more than other providers
  • Has an unlimited coverage option that provides coverage without annual caps
  • Its accident-only plan covers accidents and injuries for a low monthly premium

Spot Pros and Cons

Compare the advantages and disadvantages of Spot:

✔ Includes a 24/7 telehealth line for questions about your pet’s health

✔ Has a responsive customer service chat on its website

✔ Covers microchip implantation in its policies

✘ Has a 14-day waiting period for accidents, which is longer than Embrace and Prudent Pet

✘ Doesn’t have weekend customer service availability like other providers do

Spot Plans and Coverage

For coverage on injuries, swallowed objects, toxic ingestions, and other unexpected accidents, you can purchase Spot’s accident-only plan. For more comprehensive coverage on accidents and illnesses like cancer, hip dysplasia, heart disease, and more, Spot offers its accident and illness policy.

Spot includes coverage for microchipping and exam fees, which some competitors exclude, but it doesn’t cover elective procedures, breeding issues, and pre-existing conditions. For preventative care, Spot offers the Gold and Platinum plans with a total of either $250 or $450 of annual coverage on routine care treatments, such as deworming, a fecal test, vaccinations, a wellness exam, and dental cleaning.

Spot Sample Monthly Pricing

Species - Breed Dog - Medium Mixed Dog - Labrador Retriever Dog - Maltese Cat - Ragdoll
Species - Breed Dog - Medium Mixed Dog - Labrador Retriever Dog - Maltese Cat - Ragdoll
Accident-only plan $27.30 $27.30 $27.30 $15.20
Accident and illness plan $44.14 $61.35 $34.78 $23.63

Pawp

Pawp doesn’t offer pet insurance policies, but it provides pet owners with a membership to its 24/7 digital clinic, which includes unlimited access to virtual vet visits online or by phone.

Some highlights include:

  • Our score: 90
  • Offers 24/7 video calls, chats, text messages, and phone calls with licensed vets
  • Provides a $3,000 emergency fund to pay for one emergency vet visit per year
  • Charges a flat rate per month, regardless of your dog or cat’s age, breed, or location

Pawp Pet Pros and Cons

Compare the advantages and disadvantages of Pawp:

✔ Pays for 100% of a covered vet bill without requiring any deductibles or copays

✔ Covers up to six pets with each membership

✔ Provides payment directly to the vet, rather than reimbursing you after you leave the office

✘ Doesn’t pay more than $3,000 per year for your pet’s covered emergency

✘ Requires communication with an official Pawp vet before you can access the emergency fund

Pawp Plans and Coverage

Rather than offering a traditional pet insurance policy, Pawp offers a membership to its 24/7 digital clinic services and includes a $3,000 emergency fund to pay for 100% of one vet bill per year. This fund can pay for treatments and procedures related to things like choking, toxic ingestions, and severe injuries, but they must be verified as life-threatening emergencies by an official Pawp vet before you can access the fund and visit the vet.

Pawp doesn’t offer any routine care coverage, such as wellness exams and vaccines. Its emergency fund also can’t be used for any scheduled surgeries or procedures, breeding or pregnancy-related issues, and anything not considered a life-threatening incident by a Pawp vet.

Pawp Sample Monthly Pricing

Pawp charges $19 per month, making it an ideal choice for pet owners of older or less healthy breeds of dogs or cats that are typically more expensive to insure.

How Much Is Pet Insurance in Minnesota?

The cost of pet insurance in Minnesota varies depending on your ZIP code and pet’s specific details, but you can typically expect to pay somewhere between $15 and $80 per month for a standard accident and illness policy. Here are some specific factors that may impact your quoted rates:

  • Age: Older pets can be considerably more expensive to insure, since they’re more likely to have health issues due to their age. Purchasing a pet insurance policy for your dog or cat at a younger age can help mitigate high plan costs as they get older.
  • Breed: In general, cat insurance is cheaper than dog insurance, since dogs can be more susceptible to certain health conditions, such as hip dysplasia and cruciate ligament injuries.
  • Species: Various species of dogs and cats can be more prone to illnesses and conditions, making them more expensive to insure. For instance, Labrador Retrievers are known for getting hip dysplasia, while mixed breeds are known for remaining healthy as they age.
  • Customization: Customizing your policy can help make it more affordable. The cheapest pet insurance policies come with high deductibles, low annual coverage limits, and low reimbursement rates. For example, Spot quoted us $121.04 per month for a mixed dog’s policy with unlimited annual coverage, a $100 deductible, and a 90% reimbursement rate, but it would cost only $15.74 per month when selecting a $2,500 annual limit, $1,000 deductible, and 70% reimbursement rate.

Frequently Asked Questions

Is pet insurance in Minnesota worth it?

When your companion experiences an unexpected health emergency, it can be stressful and scary, especially if you’re unsure how you’ll pay for the vet bills. Of the 1,000 pet owners that we surveyed, roughly 40% said they’d need to use a credit card for unexpected vet bills, while 9% said they don’t know how they’d afford them.

If you’re anything like those pet parents, pet insurance can give you the confidence and peace of mind that you won’t be out hundreds to thousands of dollars on an expensive vet bill.

Are my pet’s medical records required when purchasing pet insurance?

It depends. Many providers, including Embrace and Healthy Paws, require medical records from a recent vet visit to make note of any pre-existing conditions that your dog or cat has. However, companies like Prudent Pet and Spot don’t require those records during policy enrollment.

When should I purchase a pet insurance policy?

We recommend purchasing a pet insurance policy as early as possible, since it can ensure any future conditions qualify for coverage.

Our Conclusion

Wherever you live in Minnesota, it’s important to choose a top pet insurance company to protect your furry family member. Although Prudent Pet scored the highest in our review and offers an impressive comprehensive plan with unlimited annual coverage, Spot’s customizable plans may make more sense for you if you’re looking for more affordable policies. We ultimately recommend getting free quotes from at least three different pet insurance providers to compare pricing in your area.

Compare Minnesota’s Best Pet Insurance Companies

Provider Prudent Pet Healthy Paws Embrace Spot Pawp
Provider Prudent Pet Healthy Paws Embrace Spot Pawp
Get a quote PrudentPet.com HealthyPawsPetInsurance.com EmbracePetInsurance.com SpotPetIns.com Pawp.com
Our score 95 93.5 93.5 91 90
Sample monthly premium* $44.89 $55.95 $50.97 $44.14 $19
Highest annual coverage limit Unlimited Unlimited $30,000 Unlimited $3,000
Waiting period 5 days for accidents and 14 days for illnesses 15 days for accidents and 15 days for illnesses 2 days for accidents and 14 days for illnesses 14 days for all conditions 14 days for accidents and illnesses
Customer service Live chat, contact form, and phone with no specified hours Phone, email, and live chat with limited hours Phone, email, and live chat with limited hours Contact form and phone with no weekend availability Email and live chat
BBB rating** A+ A- A+ B A+

*Based on sample quotes from an accident and illness policy for a mixed 4-year-old dog in Minneapolis (55406 ZIP code).

**Based on scores pulled from each company’s BBB profile as of October 20, 2021.

Our Rating Methodology

The This Old House Reviews team is dedicated to thorough, in-depth reviews of each product or service that we detail in our content. Determined to build trust with our readers through transparency, accuracy, and accountability, we’ve built a detailed rating system to score pet insurance brands. Included in this methodology are the following six factors with their respective scoring weights:

  • Coverage (25)
  • Plan options (20)
  • Monthly cost (20)
  • Company reputation (15)
  • Customer service (10)
  • Species eligibility (10)

Our researchers keep all data in each company’s score up to date, making any changes to our content when necessary to provide our readers with the most accurate information on relevant metrics, such as plan options, customer service, reputation, and monthly cost.

To share feedback or ask a question about this article, send a note to our Reviews team at reviews@thisoldhousereviews.com.