Best Pet Insurance in Indiana (IN) in 2024
Written by
Brenda Woods
Updated 06/25/2024
Brenda Woods is an accomplished writer and managing editor with more than two decades of publishing experience. She has spent over 10 years covering home services and home improvement projects. Brenda supports her team in evaluating dozens of home service providers, surveying and speaking to hom…
Through our research, we found that Lemonade offers the best pet insurance in Indiana due to its flexibility and affordability. We surveyed pet owners across the nation and reviewed major pet insurance companies on key metrics such as customer service, pricing, availability, and coverage.
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 an affordable pet insurance policy to avoid unexpected costs from high veterinary bills during an emergency.
![Lemonade Logo](https://dlczb9lfz9r73.cloudfront.net/wp-content/uploads/2022/05/30161847/admin-ajax-3-e1707516848856-300x69.jpeg)
![Spot Logo](https://dlczb9lfz9r73.cloudfront.net/wp-content/uploads/2022/05/29202108/Spot-Logo-e1666372457784.png)
How Do IN Pet Insurance Companies Compare?
Company | Star Rating | Monthly Cost for Dogs* | Monthly Cost for Cats* | Visit Site |
---|---|---|---|---|
4.8
|
$33.69 | $13.32 | VISIT SITE | |
4.6
|
$38.44 | $21.53 | VISIT SITE | |
4.5
|
$20.76 | $18.47 | Visit Site | |
4.7
|
$65.15 | $53.43 | VISIT SITE | |
4.7
|
$44.83 | $24.68 | Visit Site | |
4.6
|
$49.85 | $26.55 | VISIT SITE | |
4.7
|
$44.79 | $16.36 | Visit Site |
Who Are Indiana’s Top 7 Pet Insurance Providers?
Here are the best providers of pet insurance in Indiana:
Lemonade Pet Insurance Pros and Cons
Lemonade Overview
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.
Learn More: Lemonade Pet Insurance Review
Highlights
- 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 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.
Spot Pros and Cons
Spot Overview
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.
Learn More: Spot Pet Insurance Review
Highlights
- 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 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.
ASPCA Pros and Cons
ASPCA Overview
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.
Learn More: ASPCA Pet Insurance Review
Highlights
- 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 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.
Embrace Pros and Cons
Embrace Overview
For pet owners looking to customize their deductible and coverage cap, Embrace is a flexible option with five deductible price points offered.
Learn More: Embrace Pet Insurance Review
Highlights
- 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 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.
Healthy Paws Pros and Cons
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.
Learn More: Healthy Paws Pet Insurance Review
Highlights
- 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 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.
Fetch Pros and Cons
Fetch Overview
Fetch’s inclusion of many types of treatments other policies leave out make it an excellent coverage option for natural remedies and alternative treatments.
Learn More: Fetch Pet Insurance Review
Highlights
- 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 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.
Figo Pros and Cons
Figo Overivew
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.
Learn More: Figo Pet Insurance Review
Highlights
- 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 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.
How Much Does Pet Insurance in Indiana Cost?
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 the majority of pet wellness plans and pet insurance costs in Indiana range 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.
![Lemonade Logo](https://dlczb9lfz9r73.cloudfront.net/wp-content/uploads/2022/05/30161847/admin-ajax-3-e1707516848856-300x69.jpeg)
![Spot Logo](https://dlczb9lfz9r73.cloudfront.net/wp-content/uploads/2022/05/29202108/Spot-Logo-e1666372457784.png)
Is Pet Insurance Worth It in Indiana?
Yes, pet insurance is almost always worth the cost due to it’s provided security and peace of mind. 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.
FAQs About Indiana Pet Insurance
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 ASPCA, 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.
Other Indiana Home Service Resources
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.