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:

Superlative Star Rating
Lemonade Best Overall
Spot Most Customizable Plans
Embrace Best Deductibles
Fetch by the Dodo Best Holistic Coverage
Lemonade
Superlative Best Overall
Star Rating
Get Quote
Spot
Superlative Most Customizable Plans
Star Rating
Get Quote
Embrace
Superlative Best Deductibles
Star Rating
Get Quote
Fetch by the Dodo
Superlative Best Holistic Coverage
Star Rating
Get Quote

Lemonade

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

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

 


 

Embrace

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

 


 

ASPCA

ASPCA Pet Health Insurance is an ideal choice for new pet owners in Indiana. It provides a local vet finder on its website and extensive resources regarding pet ownership, pet breeds, and common health problems. Additionally, ASPCA offers unique coverage for services like microchipping and behavior issues in its standard plan.

Some highlights include the following:

  • Our score: 89 out of 100
  • Policies are underwritten by the Crum & Forster Pet Insurance Group, which has over 25 years of experience in the industry.
  • Plans are highly customizable, allowing pet owners to choose from three deductibles, three reimbursement rates, and five annual limits.
  • Curable conditions that remain treatment and symptom-free for 180 days are no longer considered preexisting conditions.

ASPCA Pros and Cons

✔ Covers dental illness, behavioral issues, microchipping, and stem cell treatments in its base policy

✔ Has no upper age limit restrictions for enrollment in coverage

✔ Offers a 10% multi-pet discount

✘ Takes up to 30 days for claims to be processed

✘ Has a maximum annual limit of $10,000, which is lower than some providers

ASPCA Plans and Coverage

For an affordable, comprehensive accident-only plan, ASPCA Pet Health Insurance offers one that covers the costs for treating injuries and emergencies (relating to accidents) such as broken bones, cuts, bite wounds, swallowed objects, and torn ligaments. 

ASPCA’s Complete Coverage plan (its accident-and-illness policy) covers the injuries mentioned above and treatment for diseases and conditions, including infections, allergies, hypothyroidism, digestive issues, cancer, breed-specific conditions, chronic conditions, behavioral issues, and more. 

ASPCA’s wellness add-on covers the costs for routine care such as wellness exams, dental cleanings, vaccines, heartworm tests, and more. The add-on comes at two levels, Basic (covering up to $250 annually) and Prime (covering up to $450). 

ASPCA does not cover cosmetic procedures, breeding costs, and preexisting conditions like other providers. However, if your pet was diagnosed with a curable condition and stays treatment and symptom-free for 180 days, ASPCA would not consider that condition to be preexisting. 

Learn More: ASPCA 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

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

 


 

Figo

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

 


 

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.

Compare Indiana’s Best Pet Insurance Companies

ProviderSample premium*Plans and add-ons
Lemonade$17.25$3
Spot$45.444
Embrace$30.86$2
ASPCA$43.87$4
Fetch$27.501
Healthy Paws$39.141
Figo$26.824

*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

Frequently Asked Questions

 

Our Conclusion

Pet owners looking for affordable coverage with options to customize their plan may choose Lemonade, while those seeking higher coverage limits may opt for Healthy Paws.

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 reviews@thisoldhousereviews.com.