Best Pet Insurance in Wisconsin
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A pet health insurance policy that is affordable can ensure your dog or cat gets the care and treatment it needs after an unexpected accident or illness without impacting your savings account or credit card expenses.
To help you find the best policy for your needs, we spent hours surveying pet parents, reading hundreds of reviews from existing customers, and analyzing providers based on their offerings and customer service to compile a list of the best pet insurance companies in Wisconsin. We found that the best pet insurance provider in Wisconsin is Lemonade for its flexible plans and affordable pricing.
How Do WI Pet Insurance Companies Compare?
| Company | Star Rating | Monthly Cost for Dogs* | Monthly Cost for Cats* | Visit Site |
|---|---|---|---|---|
| $33.69 | $13.93 | VISIT SITE | ||
| $38.44 | $21.53 | VISIT SITE | ||
| $65.15 | $53.43 | VISIT SITE | ||
| $44.83 | $24.68 | VISIT SITE | ||
| $49.85 | $26.55 | VISIT SITE | ||
| $44.79 | $16.36 | VISIT SITE | ||
| N/A | N/A | VISIT SITE |
Who Are the Top 7 Pet Insurance Providers in Wisconsin?
Lemonade
Best Overall
Spot
Most Customizable Plans
Embrace
Best Deductibles
Healthy Paws
Best Coverage Limit
Fetch Pet Insurance
Best Holistic Coverage
Figo
Best Extra Coverage Add-On
Prudent Pet
Most Comprehensive Plan
How Much Does Pet Insurance Cost in Wisconsin?
The cost of your Wisconsin pet insurance policy will vary depending on a range of factors, such as your pet’s species and breed. Based on the dozens of sample quotes we received in the state for various animals, you can generally expect to pay somewhere between $20 and $100 per month for a standard policy.
Here are more details about the most significant factors that impact your pet insurance rates:
Customization
Customizing your policy is an option provided by most companies, and it can help you find the cheapest pet insurance rates. For instance, based on our sample quotes, you could purchase a policy for a 4-year-old mixed dog from Embrace with a $5,000 annual coverage limit, $1,000 deductible, and 70% reimbursement rate for as low as $22.16 per month, whereas your rate would be $86.10 per month with $30,000 of annual coverage, a $200 deductible, and a 90% reimbursement rate.
Species
Your pet’s species sets the base for your premium, since cats and dogs have different immune systems and can be susceptible to different conditions. Dog insurance is typically more expensive than pet insurance for cats, since dogs are more likely to experience expensive health issues in their lifetimes, such as cruciate ligament ruptures and hip dysplasia.
Breed
Your premiums will vary if you have a dog or cat breed that’s more prone to conditions than other breeds. For example, a medium-sized mixed breed is considerably cheaper to insure than a Great Dane, which is particularly vulnerable to hip dysplasia issues.
Age
Pet insurance for older animals can be significantly more expensive than younger dogs and cats, since they’re more likely to contract an illness or experience an injury. This means your policy’s premiums will likely increase each year, and you’ll be quoted for higher prices as your pet ages. We recommend insuring your pet as early as possible to help mitigate those higher rates.
Is Pet Insurance in Wisconsin Worth it?
Yes, in most cases, we’ve found that pet insurance is worth it in Wisconsin due to the added security and peace of mind. Ultimately, the best pet insurance company in Wisconsin comes down to you and your pet’s specific needs and budget. If you’re looking for an affordable policy with impressive coverage options, we recommend Lemonade.
However, we highly recommend each of the providers in this review. To get the right coverage for your Wisconsin pet, take a few moments to compare quotes from at least three insurers.
FAQs About Pet Insurance in Wisconsin
Is pet insurance in Wisconsin worth it?
Yes, pet insurance in Wisconsin can be a worthwhile investment, especially if you don’t have a solid savings account to fall back on during an emergency. After surveying 1,000 pet owners nationwide, we found that around 40% of them would need to use their credit card to pay for unexpected vet bills, while roughly 9% said they didn’t know how they’d pay for those bills.
When is the best time to buy a pet insurance policy?
Buying a pet insurance policy as early as possible in your animal’s life is recommended. If you wait too long to purchase a policy, your pet could experience multiple conditions that aren’t covered. Not to mention, no pet insurance company covers pre-existing conditions that occur before your policy’s coverage start date.
Does pet insurance cover spay or neuter surgery?
No, standard pet insurance policies don’t cover spay or neuter procedures, but you can purchase additional coverage from Embrace or Prudent Pet for an extra monthly fee to help pay for those costs.
Our Rating Methodology
We are 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.
