From producing popcorn to answering Santa mail, Indiana is a special state and its pets are no different. Hoosiers have one of the highest pet ownership rates in the country according to the American Veterinary Medical Foundation (AVMF), with almost 70% of residents taking care of a furry friend.
It’s no wonder that pet parents are searching for a pet insurance policy to avoid unexpected costs from high veterinary bills during an emergency. The This Old House Reviews Team has surveyed pet owners across the nation and reviewed major pet insurance companies on key metrics such as customer service, pricing, availability, and coverage.
Indiana’s Top 7 Pet Insurance Providers
Here are the best providers of pet insurance in Indiana:
- Lemonade: Best Overall
- Spot: Most Customizable Plans
- Embrace: Best Deductibles
- Fetch: Best Holistic Coverage
- Healthy Paws: Best Coverage Limits
- Figo: Best Extra Coverage Add-On
- Pawp: Best Digital Clinic
We’ve chosen Lemonade pet insurance as the best overall pet insurance company for Indiana pet parents thanks to its competitive prices, generous coverage, and comprehensive add-on options.
Some highlights include:
- Our score: 96
- Charitable giveback program gives up to 40% of your unclaimed premium money to a charity of your choice (some of your premium money goes to the company’s operational costs, while some goes toward charity)
- Offers premiums up to $100,000, which is suitable for pets with more medical needs
- Puppies and kittens less than 2 years old have extra options for preventative care
Lemonade Pet Insurance Pros and Cons
Compare the advantages and disadvantages of Lemonade:
✔ The AI technology offered in Lemonade’s app makes filing a claim quick and easy
✔ Has a short 48-hour waiting period for accidents
✔ Provides multiple discount options, such as 10% off your premium for bundling with a Lemonade home insurance or Lemonade renters insurance policy, 5% off for insuring multiple pets, and between 7% and 10% off for paying for your policy annually
✘ Doesn’t offer dental illness coverage
✘ Behavioral treatments are not included in any plan
Lemonade Plans and Coverage
Lemonade’s baseline plan covers your pet for most accidents and illnesses, including costs for injections, prescription medications, hospitalizations and surgeries, outpatient and emergency care, and diagnostics such as CT scans, urinalysis, X-rays, blood tests, and ultrasounds.
For add-on coverage, the preventative care option includes routine care costs for services such as blood tests, three vaccines per year, heartworm testing, and a wellness exam. Other add-on options include vet visit fees and physical therapy.
None of Lemonade’s plans or add-ons cover pre-existing conditions, behavioral treatments, dental illness, or spaying and neutering for pets older than 2 years old.
Learn More: Lemonade Pet Insurance Review
Spot is a top choice for pet owners in Indiana looking to purchase a highly customized policy based on their needs and budget by selecting from seven annual coverage limits, since it offers more options than most competitors.
Some highlights include the following:
- Our score: 91
- Has a 24/7 telehealth line for all customers
- Includes a 30-day money-back guarantee with all policies
- Offers an accident-only plan for less expensive coverage on your pet’s injuries
Spot Pros and Cons
✔ Includes coverage for microchip implantation in standard policies
✔ Covers vet exam fees without requiring coverage add-ons
✔ Has extensive resources on its website for pet owners to learn about caring for their pet
✘ Doesn’t provide weekend customer service
✘ Has less experience in the industry than many competitors as one of the newest companies
Spot Plans and Coverage
For a cheaper pet insurance plan with coverage on your pet’s unexpected injuries, toxic ingestions, and other accidents, you can purchase Spot’s accident-only plan. However, if you want a more comprehensive pet insurance plan, you can sign up for its accident and illness plan that covers those accidents plus other conditions, such as chronic issues and cancer.
You can also get help paying for your pet’s preventative care treatments with Spot’s Gold and Platinum wellness plans. They each pay up to certain limits per covered treatment for things like vaccinations, annual checkups, and dental cleanings. The Gold plan comes with $250 per year of total coverage, and the Platinum plan comes with $450 per year.
Learn More: Spot Pet Insurance Review
For pet owners looking to customize their deductible and coverage cap, Embrace is a flexible option with five deductible price points offered.
Some highlights include:
- Our score: 93.5
- Healthy Pet Deductible benefit credits your account with $50 toward your deductible for each year you go without filing claims
- Covers exam fees for veterinary visits
- Donates $2 from each policy to charity
Embrace Pros and Cons
Compare the advantages and disadvantages of Embrace:
✔ Provides a mobile app to manage your policy and file claims
✔ Offers a 5% military discount and 10% multi-pet discount
✔ Offers five choices for deductibles: $200, $300, $500, $750, and $1,000
✘ Larger dogs can be quoted for higher premiums
✘ Has lower coverage limits than competitors, with its highest coverage cap being $30,000
Embrace Plans and Coverage
Embrace’s accident and illness plan covers dental trauma, prescription medications, genetic and congenital conditions, allergies and other chronic conditions, diagnostic tests and procedures including lab tests, biopsies, CT scans, acupuncture, MRIs, ultrasounds, hospitalization, and surgery.
The wellness add-on covers additional costs for routine and preventative care such as microchipping, nail clipping, grooming, massages, prescription pet foods, chiropractic care, spaying and neutering, chiropractic classes, and burial costs. The plan comes at three pricing levels: up to $250, $450, or $650 covered annually.
Embrace will not cover pre-existing conditions, cosmetic or elective procedures, breeding, or deliberate injuries to your pet.
Learn More: Embrace Pet Insurance Review
Fetch by The Dodo
Fetch’s inclusion of many types of treatments other policies leave out make it an excellent coverage option for natural remedies and alternative treatments.
Some highlights include:
- Our score: 91.5
- Up to $1,000 of telehealth services covered for veterinary care
- Provides a 15% discount to customers with policies that are renewed after one year without filing a claim
- Offers a broad range of covered treatments, including hydrotherapy, homeopathy, stem cell therapy, laser therapy, and acupuncture
Fetch Pros and Cons
Compare the advantages and disadvantages of Fetch:
✔ Sick visits and exam fees are automatically covered
✔ Offers more comprehensive dental care than other providers on this list
✔ Covers up to $1,000 of behavioral fees
✘ Your pet will need an annual exam to maintain coverage, which you will pay for out of pocket
✘ An exam from within the past six months is required to start coverage
Fetch Plans and Coverage
Fetch covers a broad scope of treatments and procedures. Its most notable difference from other pet insurance providers is its coverage for alternative therapies such as homeopathic remedies, acupuncture, stem cell therapy, laser therapy, and hydrotherapy. Its plan also covers fees for emergency veterinary services, exams, and telehealth vet services.
Fetch’s coverage also includes treatment for cancer, dental disease or injury, behavioral therapy, surgery, hospitalization, emergency and specialty care, and benefits such as advertising and reward fees for lost pets and vacation cancellation fees due to a pet’s illness.
Fetch does not cover cosmetic or elective procedures, pre-existing conditions, or routine or preventative care.
Learn More: Fetch Pet Insurance Review
Healthy Paws is one of our top-rated providers thanks to its affordable prices for unlimited coverage, taking the stress out of expensive incidents for pet owners.
Some highlights include:
- Our score: 93.5
- No limits for per-month, annual, or lifetime coverage
- Every quote issued results in a donation from Healthy Paws toward ending pet homelessness
- Provides a 30-day money-back guarantee
Healthy Paws Pros and Cons
Compare the advantages and disadvantages of Healthy Paws:
✔ The quote comparison tool offers recommendations for other pet insurance companies if your quote is unusually high
✔ Most claims are quickly processed within two days of filing
✔ Has more than 11 years of experience in pet insurance, which is longer than most of the providers listed in this review
✘ Doesn’t provide add-on options for preventative care, unlike many competitors
✘ Pets must wait a longer-than-average period of 12 months before becoming eligible for hip dysplasia treatment
Healthy Paws Plans and Coverage
A Healthy Paws pet insurance plan covers accidents and illnesses, with no choices for add-on coverage. This plan covers prescription medications, hospitalization, surgery, cancer treatment, X-rays, diagnostic testing, alternative treatment, specialty care, and more.
Healthy Paws does not cover pre-existing conditions, behavioral treatments, fees for exams or office visits, or expenses for preventative care.
Learn More: Healthy Paws Pet Insurance Review
For an excellent pet insurance policy with a unique extra coverage add-on for help paying for things like third-party property damage caused by your pet, we recommend Figo.
Some highlights include the following:
- Our score: 93
- Has a 24/7 live vet chat available to all customers
- Features an impressive Figo Pet Cloud to help connect you to pet owners and pet-friendly locations in your area
- Provides an unlimited coverage option
Figo Pros and Cons
✔ Has a 100% reimbursement rate option, unlike all other competitors in this review
✔ Comes with the shortest injury waiting period of the providers in this review at one day
✔ Typically offers cheaper prices for older pets than many competitors
✘ Requires extra monthly costs for vet visit and exam fees coverage
✘ Doesn’t cover behavioral treatments
Figo Plans and Coverage
Figo’s standard pet insurance plan includes coverage for accidents and illnesses, such as broken bones, cancer, toxic ingestions, chronic conditions, ligament issues, hip dysplasia, and congenital conditions. It pays for necessary treatments up to your choice of a $5,000, $10,000, or unlimited annual coverage cap.
The Extra Care Pack helps pay for lost-pet advertising and reward money, boarding fees, vacation cancellation fees, replacement costs of your pet, end-of-life expenses, and third-party property damage costs. Figo also offers optional coverage for vet visit and exam fees, in addition to wellness care coverage at two different coverage levels.
Learn More: Figo Pet Insurance Review
Pawp departs from the other providers in this list by offering a membership that gives access to digital veterinary services and a $3,000 annual fund for emergency veterinary care. These unique offerings cement it as our pick for the best digital clinic on the list.
Some highlights include:
- Our score: 91.5
- Charges a $24 flat fee per month, regardless of your pet’s details
- Provides 24/7 access to a digital veterinary clinic, complete with chats and calls with licensed vets
- All expenses up to the $3,000 cap amount are covered, rather than only reimbursing a certain percentage
Pawp Pros and Cons
Compare the advantages and disadvantages of Pawp:
✔ A single membership covers one of up to six pets
✔ Provides $3,000 toward one emergency vet bill per year
✔ Doesn’t have age limits on coverage
✘ No Better Business Bureau (BBB) rating or profile
✘ Routine care coverage is not available
Pawp Plans and Coverage
Due to the different nature of Pawp’s coverage, its benefits vary from other providers on this list. Rather than covering certain treatments or diagnostics, Pawp covers one life-threatening emergency veterinary visit per year up to $3,000. The emergency fund can cover internal or external injuries, choking, blockages, and toxic ingestions as well as treatments such as hospitalization, surgery, IV fluids, exams, and more.
Before you can use your fund, you will need to have a Pawp veterinarian digitally verify that your pet needs emergency treatment.
Pawp’s coverage does not extend to any preventative or routine costs and covers only one veterinary visit per year. After the $3,000 annual limit is reached, you will not be eligible for further funds until the next year of membership.
Pawp Monthly Pricing
Pawp charges $24 per month for a membership that covers one emergency vet bill per year of up to $3,000. This price applies to all fluffy friends: any dogs and cats no matter their age, breed, or pre-existing conditions.
Learn More: Pawp Pet Insurance Review
Comparing the Top Providers of Pet Insurance in Indiana
Overall, we highly recommend that you obtain at minimum three quotes from the top providers before choosing the best pet insurance policy in Indiana for your furry friend.
*Based on sample quotes for a mixed 4-year-old dog in Indianapolis, Indiana
How Much Is Pet Insurance in Indiana?
Each pet will have a different quoted premium based on its ZIP code, breed, and age, which help providers determine your rates. On average, we found that pet insurance in Indiana ranges between $19 and $99 per month for dogs and $11 and $37 per month for cats.
The premiums for pet insurance are determined by many factors, including the following:
- Species: As a whole, pet insurance for dogs is more expensive than pet insurance for cats due to the higher likelihood of dogs experiencing accidents and health concerns, particularly as they grow older.
- Age: After 6 years old, pets often become more costly to insure due to their rising odds of developing health issues such as heart or kidney disease, cancer, or arthritis. This can drive premiums up. If possible, insuring your pet before the age of 6 can help reduce premium prices, since most providers don’t increase premiums substantially each year.
- Discounts: Some savvy pet owners take advantage of discounts to lower their premiums. For example, Lemonade offers a 10% discount for bundling pet and home insurance or renters insurance and a 5% discount for insuring multiple animals. For larger fluffy families, Embrace offers a multi-pet discount as well as one for military members.
- Customization: Choosing a high deductible and a lower reimbursement percentage can reduce the price of your monthly premiums. For example, choosing a Fetch policy with a 90% reimbursement rate and a $250 deductible will cost $35.91 per month for a 4-year-old mixed breed dog in Indianapolis. The same pet with a $500 deductible and 70% reimbursement rate will have a monthly premium of only $21.12 per month.
Pet Insurance in Indiana FAQs
Is my pet’s annual exam covered?
Baseline plans from top pet insurance providers do not automatically cover preventative care like routine exams for your pet—they are designed to cover unexpected incidents like accidents and illnesses, not routine care. However, Lemonade and Embrace both offer add-ons for wellness that cover a routine annual exam.
Is pet insurance in Indiana worth it?
In our pet insurance research, we surveyed 1,000 pet owners and found that 40% of them would need to fall back on a credit card to pay for unexpected vet bills, while another 9% of pet parents don’t know how they’d afford a veterinary emergency. Pet insurance can take the financial strain out of an accident or emergency with your companion, so you can focus on their health journey instead of stressing over the cost of vet bills.
Is there a waiting period for pet insurance coverage?
All pet health insurance companies have a waiting period before coverage starts. Lemonade and Embrace both have shorter waiting periods of less than four days, while Pawp, Healthy Paws, and Fetch require you to wait two weeks or more for coverage to begin. If you have in-depth questions about what pet insurance covers, you may want to take a look at a sample policy from each of their websites to compare the terms and conditions before purchasing.
For a wider range of treatment options and behavioral coverage, Fetch might be the best choice for your fluffy friend.
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 firstname.lastname@example.org.