Best Pet Insurance in Indiana (IN) in 2024
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.
- 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.
How Do IN Pet Insurance Companies Compare?
Company | Star Rating | Monthly Cost for Dogs* | Monthly Cost for Cats* | Visit Site |
---|---|---|---|---|
$33.69 | $13.32 | VISIT SITE | ||
$38.44 | $21.53 | VISIT SITE | ||
$20.76 | $18.47 | 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 |
Who Are Indiana’s Top 7 Pet Insurance Providers?
Here are the best providers of pet insurance in Indiana:
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.
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 team at reviews@thisoldhousereviews.com.