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Best Pet Insurance in Wisconsin (2022 Review)

Whether you’re welcoming a new pet into your home or celebrating its many years as your family member, pet insurance can be a worthwhile purchase to keep them happy and healthy. Read on to learn about the best pet insurance in Wisconsin.

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A pet can make an excellent addition to your family of Wisconsin Cheeseheads, and their health and happiness are likely top priorities for you as a pet parent. A pet health insurance policy 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, the This Old House Reviews Team 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.

Top 7 Pet Insurance Providers in Wisconsin

Lemonade

Although Lemonade doesn’t have as many years of experience in the pet insurance industry as other providers, it’s making strides to become the best pet insurance company available. It’s our top pick due to its comprehensive coverage and a fast, easy claims process.

Lemonade’s unimpressive rating from the Better Business Bureau (BBB) caused it to lose a few points in our review when we compared it with other top players in the industry, but we still recommend the company since many of the complaints impacting its score reference its other insurance products, rather than pet insurance.

Lemonade Pet Insurance Pros and Cons

Compare the advantages and disadvantages of Lemonade:

✔ Provides extra preventive care for pets less than 2 years old
✔ Offers optional coverage for physical therapy treatments and vet visit fees
✔ Has consistently lower prices than most competitors for various pets’ breeds and ages

✘ Offers only three annual deductible options, which is fewer than what other providers offer
✘ Doesn’t cover dental illness, unlike many competitors

Lemonade Pet Insurance Plans and Coverage

Lemonade offers one standard policy for coverage on accidents and illnesses in addition to add-ons for vet visit fees, physical therapy, and preventative care. Its standard policy pays for veterinary bills related to diagnostic tests, specialty care, hospitalization, surgery, and prescription medications, but it doesn’t cover pre-existing conditions, behavioral treatments, dental illness, or elective procedures.

Its preventative care options come at two levels and additional monthly costs, and both options pay for 70%, 80%, or 90% of your routine care bills, depending on which one you select for your policy. The lower-priced option comes with a wellness exam, a fecal test, three vaccines, a heartworm test, and a blood test, whereas the other option includes all of those items plus a dental cleaning and flea, tick, or heartworm medication.

Get Quote: Compare Rates with Lemonade

Learn More: Lemonade Pet Insurance Review


Spot

Customizing your pet insurance policy is a great way to get affordable coverage with your exact needs. Spot offers more annual coverage limits than most competitors, giving you seven options.

Some highlights include the following:

  • Our score: 91
  • Has a wide range of annual coverage options between $2,500 and unlimited
  • Provides a 24/7 telehealth line for help with your pet’s health before going to the vet
  • Offers an accident-only plan option

Spot Pros and Cons

✔ Covers microchip implantation in standard policies
✔ Has two comprehensive wellness care coverage level options
✔ Doesn’t require you to provide medical records when signing up for coverage

✘ Doesn’t provide weekend customer service availability
✘ Has a 14-day waiting period for accidents, which is longer than some competitors

Spot Plans and Coverage

You can choose between accident-only coverage and accident and illness coverage when purchasing your Spot pet insurance policy. The former pays for treatments related to accidents, such as toxic ingestions, broken bones, or bite wounds, whereas the latter pays for those accidents in addition to illnesses and other conditions, including cancer and hip dysplasia. Both plans also include microchip implantation and vet visit and exam fees coverage.

You can add the Gold preventative care plan for a total of $250 per year toward per-treatment coverage limits for things like vaccinations, annual checkups and dental cleanings. For $450 per year for those and a few additional treatments, you can add the Platinum preventative care plan.

Get Quote: Spot Pet Insurance Quote

Learn More: Spot Pet Insurance Review


Embrace

We recommend Embrace as a top pet insurance provider for its five deductible options and its Healthy Pet Deductible, which lowers your deductible each year you don’t file a claim.

  • Our score: 93.5
  • Includes the Healthy Pet Deductible with each policy for a $50 credit to your deductible each year you don’t file a claim
  • Provides five deductible options between $200 and $1,000, which is more than many competitors
  • Donates $2 with each policy sold

Embrace Pros and Cons

Compare the advantages and disadvantages of Embrace below:

✔ Includes exam fees coverage in standard policies, which isn’t typically covered by other providers
✔ Offers a 5% discount for military members
✔ Provides the optional Wellness Rewards Plan for 100% reimbursement of covered bills, rather than having per-item limits

✘ Offers higher prices for cats than many competitors, according to the quotes we received
✘ Doesn’t offer coverage limits beyond $30,000 per year, which is lower than most other companies

Embrace Plans and Coverage

Embrace offers one pet insurance plan for accidents and illnesses with an annual coverage limit between $5,000 and $30,000. It covers chronic conditions, dental trauma, genetic conditions, prescription drugs, cancer, exam fees, allergy testing, and more. However, it doesn’t pay for any bills related to pre-existing conditions, organ transplants, breeding- or pregnancy-related issues, and cosmetic or elective procedures.

While many competitors’ optional preventative care add-ons only pay up to a certain amount for each covered routine veterinary care, Embrace’s optional Wellness Rewards Plan covers 100% of the bill up to an annual limit of $250, $450, or $650, depending on how much you need. It pays for treatments such as spay or neuter surgery, microchipping, anal gland expression, vaccinations, and more.

Get Quote: Compare Rates with Embrace

Learn More: Embrace Pet Insurance Review


Fetch by The Dodo

Scoring a 91.5 out of 100 in our review of the best pet insurance providers, Fetch is our top pick for pet parents who want holistic coverage for their dogs and cats. Fetch’s accident and illness plan covers stem cell therapy, acupuncture, homeotherapy, and chiropractic care.

Fetch by The Dodo Highlights:

  • Up to $1,000 of behavioral therapy coverage
  • Unlimited annual coverage
  • Streamlined mobile claim filing

Pros & Cons of Fetch by The Dodo

✔ Covers vacation cancellation expenses due to your pet’s accident or illness

✔ Offers $1,000 annually for virtual vet visits

✔ Includes exam fees and sick visits, which many competitors exclude

✘ Requires your pet to undergo an annual vet exam to stay eligible for coverage

✘ Doesn’t offer any routine care add-ons

Fetch by The Dodo Plans and Coverage

Fetch covers accidents and illnesses that happen at least 15 days after enrolling in a plan. It covers most treatments, vet visits, procedures, and other expenses related to your pet’s conditions such as broken bones, congenital conditions, or general sickness.

Fetch also covers boarding if you’re in the hospital for longer than four days, vacation cancellation fees due to your pet’s covered accident or illness, and advertising and reward money if your pet ever gets lost.

Get a Quote: Compare Rates with Fetch by The Dodo

Learn More: Fetch by The Dodo Review


Healthy Paws

Healthy Paws is one of the most popular companies in the industry, and we found that it stands out the most for unlimited annual, per-incident, and lifetime coverage at affordable prices.

  • Our score: 93.5
  • Includes unlimited coverage caps with all policies, meaning you’ll never have to pay out of pocket after reaching a coverage cap
  • Has been in business for 11 years, which is more than most competitors in this review
  • Offers a 30-day money-back guarantee for a “free look” at your pet insurance policy

Healthy Paws Pros and Cons

Compare the advantages and disadvantages of Healthy Paws:

✔ Makes most payouts within two days of policyholders filing a claim
✔ Donates to charities each time someone receives a pet insurance quote
✔ Has helpful pet care and training resources on the Healthy Paws mobile app

✘ Doesn’t let you customize reimbursement rates and deductibles for pets of some breeds and ages
✘ Has a 15-day waiting period for accidents, which is longer than most other providers in this review

Healthy Paws Plans and Coverage

If you want unlimited coverage at a reasonable price compared with many other providers’ unlimited coverage options, Healthy Paws’ accident and illness plan could be your best bet. It covers your pet’s conditions including cancer, hereditary conditions, chronic conditions, and more, and it pays for related vet bills for emergency care, prescription medications, alternative treatments, and hospitalization.

Unlike many competitors, Healthy Paws doesn’t offer coverage add-ons for preventative care treatments. It also doesn’t cover pre-existing conditions, behavioral treatments, exam fees, vet visit fees, and spay or neuter procedures.

Get Quote: Compare Rates with Healthy Paws

Learn More: Healthy Paws Pet Insurance Review


Prudent Pet

If you’re looking for a pet insurance company with one of the most comprehensive plans on the market, we recommend Prudent Pet for its Ultimate Plan, which covers accidents and illnesses plus a few extras like vacation cancellation fees and lost-pet advertising.

  • Our score: 95
  • Provides unlimited coverage with the Ultimate Plan, meaning you’ll never reach a maximum for payouts throughout the year
  • Includes access to a 24/7 vet chat with each plan
  • Has a 30-day money-back guarantee after purchasing a plan

Prudent Pet Pros and Cons

Compare the advantages and disadvantages of Prudent Pet below:

✔ Offers an affordable accident-only plan with $10,000 of annual coverage
✔ Provides optional coverage for exam and vet visit fees
✔ Offers three preventative care coverage levels and price points, which is more than most competitors

✘ Doesn’t let you customize annual limits like other providers
✘ Doesn’t have a mobile app, unlike many competitors

Prudent Pet Plans and Coverage

Prudent Pet offers three plans with different levels of coverage for pet parents to choose from. The Accident-Only Plan covers up to $10,000 per year for vet bills related to incidents such as bite wounds, broken bones, and injuries. The Essential Plan also includes up to $10,000 per year for those accidents plus illnesses, congenital conditions, hereditary conditions, hip dysplasia, and more.

The Ultimate Plan is Prudent Pet’s most comprehensive option, and it covers everything in the Essential Plan with unlimited coverage caps, as well as a few extra coverage items, such as:

  • Lost-pet advertising and reward money
  • Boarding fee coverage if you’re hospitalized for more than four days and can’t take care of your pet
  • Vacation cancellation fees if you have to cancel your trip due to your pet’s emergency or illness
  • Mortality costs for burial and cremation fees
  • Up to $1,000 for behavioral disorder treatments
  • Replacement costs for your pet if it’s officially lost or stolen

You can also add preventative care coverage to your Prudent Pet pet insurance policy with $210, $315, or $460 of total per-treatment limits per year. It can help pay for routine care costs such as vaccinations, a health certificate, deworming, a fecal exam, and two wellness exams.

Get Quote: Compare Rates with Prudent Pet

Learn More: Prudent Pet Pet Insurance Review


Figo

Figo has one of the most unique coverage add-ons called the Extra Care Pack. It helps pay for circumstantial costs related to owning a pet, such as end-of-life expenses and third-party property damage liability up to $10,000.

Some highlights include these:

  • Our score: 93
  • Provides the Figo Pet Cloud app with features that connect you to other Wisconsin pet owners near you and helps you manage your pet’s health records
  • Has a 24/7 live chat with vets available to policyholders
  • Processes most claims within three business days

Figo Pros and Cons

✔ Typically offers less expensive prices on older pets than many competitors, based on the dozens of quotes we’ve received
✔ Has a one-day waiting period for injuries—shorter than the other companies in this review
✔ Provides a 100% reimbursement rate for coverage without any copays

✘ Doesn’t cover your pet’s behavioral treatments
✘ Requires annual exams to remain eligible for coverage

Figo Plans and Coverage

Figo’s pet insurance plan comes with $5,000, $10,000, or unlimited annual coverage for your pet’s accidents and illnesses. This can include conditions such as hip dysplasia, chronic conditions, knee ligament issues, cancer, digestive illness, broken bones, and toxic ingestions.

The insurer’s Extra Care Pack helps pay for unexpected costs you may incur as a pet owner, such as third-party property damage, burial or cremation costs, vacation cancellation fees if your pet is sick, last-minute boarding fees if you’re hospitalized, lost-pet advertising costs, and replacement costs if your pet is ever officially lost or stolen.

You can also add wellness care to your plan for coverage on vaccinations, annual exams, and other preventative care services, and you can purchase an add-on for vet visit and exam fees coverage.

Get Quote: Figo Pet Insurance Quote

Learn More: Figo Pet Insurance Review


Best Alternative to Pet Insurance

Pawp

Pawp is a unique alternative to pet insurance, but it offers a membership to help keep your pet healthy with 24/7 access to a digital clinic of licensed virtual vets and an emergency fund.

  • Our score: 90
  • Offers calls, texts, chats, and video calls with live vets 24/7
  • Includes a $3,000 fund for one emergency per year
  • Pays 100% of the covered vet bill with no required copays or deductibles

Pawp Pros and Cons

Compare the advantages and disadvantages of Pawp:

✔ Each policy is a flat rate of $24 per month, and the company doesn’t charge higher or lower premiums based on your pet’s details and location
✔ Pays the vet directly for the covered vet bill, rather than reimbursing you after you leave the office
✔ Covers up to six pets in your household with one membership

✘ Requires members to get in touch with an official Pawp vet after an accident to confirm their pet’s eligibility for use of the emergency fund
✘ Doesn’t offer any preventative care coverage

Pawp Plans and Coverage

Rather than offering a typical pet insurance policy with deductibles and reimbursement rates to help pay for your pet’s accidents and injuries, Pawp offers a membership that includes a $3,000 emergency fund to help pay for one emergency per year. With this membership, you can access the fund only once per year, regardless of how much coverage you use. It can pay for toxic ingestions, choking, severe injuries, and other incidents considered a life-threatening emergency by an official Pawp vet.

To access the fund, you must reach out to the Pawp digital clinic after the incident so a vet can verify whether or not your emergency is eligible for the fund. Then, you’ll have four hours to get to a vet near you for treatment, and Pawp will pay the vet bill directly before you leave the office.

Pawp Pet Insurance Cost

One of the biggest appeals of Pawp is its $24-per-month emergency fund that doesn’t change based on your pet’s age, breed, species, or location. This means you won’t pay an excessively high premium if you have an older pet or a breed that’s prone to certain conditions.

Get Quote: Compare Rates with Pawp

Learn More: Pawp Pet Insurance Review


Comparing the Top Pet Insurance Providers in Wisconsin

We suggest you gather several quotes from the best pet insurance companies in WI before you choose.

Compare Wisconsin’s Best Pet Insurance Companies

Provider Highest Annual Coverage Limit Waiting Period for Accidents Waiting Period for Illnesses
Provider Highest Annual Coverage Limit Waiting Period for Accidents Waiting Period for Illnesses
Lemonade $100,000 2 days 14 days
Spot Unlimited 1 day 14 days
Embrace $30,000 2 days 14 days
Fetch Unlimited 15 days 15 days
Healthy Paws Unlimited 15 days 15 days
Prudent Pet Unlimited 5 days 14 days
Figo Unlimited 1 day 14 days
Pawp $3,000 14 days 14 days

How Much Is Pet Insurance 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.

Pet Insurance in Wisconsin FAQs

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 Conclusion

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.


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.