Best Pet Insurance in Louisiana (LA)
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…
If there’s anything Louisiana residents love even more than homemade gumbo, it’s their four-legged friends. Whether you live in New Orleans or Baton Rouge, an inexpensive pet health insurance policy can reduce out-of-pocket costs for vet bills and give your pet the care it deserves during an accident or emergency.
To discover the best pet insurance companies in Louisiana, we combed through key metrics such as customer service, benefits, pricing, policy details, and coverage. Through our research, we’ve found that the best pet insurance provider in Louisiana is Spot for its multi-pet discount and unlimited coverage option.
![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 LA Pet Insurance Companies Compare?
Company | Star Rating | Monthly Cost for Dogs* | Monthly Cost for Cats* | Visit Site |
---|---|---|---|---|
4.6
|
$38.44 | $21.53 | 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 | |
4.8
|
N/A | N/A | VISIT SITE | |
4.5
|
$24 | $24 | VISIT SITE |
Who Are Louisiana’s Best Pet Insurance Providers?
Spot Pros and Cons
Spot Overview
Spot is one of our top picks in Louisiana for pet owners looking to customize their accident-only or accident and illness coverage plan to their exact needs within their budget, since it provides seven annual limit options.
Learn More: Spot Pet Insurance Review
Highlights
- Our score: 91
- Has a wide range of annual coverage limits between $2,500 and unlimited
- Provides a 10% discount for each pet insurance policy after the first one
- Includes a 30-day money-back guarantee with all plans
Spot Plans and Coverage
Spot’s accident-only plan covers accidents, such as injuries, bite wounds, sprains, cuts, and broken bones. Its accident and illness plan typically costs a bit more, but it includes coverage for most illnesses and conditions, including cancer, digestive illnesses, hip dysplasia, and chronic conditions. Spot also includes coverage for microchipping, vet visit fees, and exam fees in both standard plans.
If you want to further customize your policy by adding coverage for preventative care, you can choose from the Gold or Platinum wellness plans. The Gold plan comes with $250 total per year of per-treatment limits on treatments such as vaccinations and wellness checkups, and the Platinum plan comes with $450 per year for those treatments, plus a few extras.
Embrace Pros and Cons
Embrace Overview
Embrace stands out for its multiple deductible choices and unique deductible benefit, making it a great option for pet parents who want to customize their plan.
Learn More: Embrace Pet Insurance Review
Highlights
- Our score: 93.5
- Its optional Wellness Rewards add-on covers 100% of included routine care costs rather than reimbursing a specified percentage
- Has been insuring pets since 2003, which is longer than most providers on this list
- Its Healthy Pet Deductible lowers your deductible by $50 for each year you go without filing a claim
Embrace Plans and Coverage
Embrace’s single plan covers accident and illness expenses, such as:
- Genetic conditions such as hip dysplasia
- Dental trauma
- Cancer diagnosis and treatment, including chemotherapy
- Chronic conditions like allergies
- Imaging like MRIs, ultrasounds, X-rays, and CT scans
- Physical therapy prescribed by a licensed veterinarian
Embrace also offers an optional Wellness Rewards option for additional coverage, which is designed to cover the cost of routine chiropractic care, teeth cleaning, training classes, vaccines, routine visits to the veterinarian, microchipping, and more.
The coverage offered by Embrace excludes items such as DNA testing or cloning, pre-existing conditions, cosmetic procedures, injury or illness due to fighting or neglect, and costs involved with breeding and pregnancy.
Healthy Paws Pros and Cons
Healthy Paws Overview
If you want to purchase a pet insurance policy from a provider that has unlimited coverage caps and a long history of giving pets healthy homes, Healthy Paws is an excellent choice.
Learn More: Healthy Paws Pet Insurance Review
Highlights
- Our score: 93.5
- Has lower prices for unlimited coverage than other providers on this list
- Plans do not have a per-limit, annual, or lifetime coverage cap, meaning that the plan’s benefits will not run out for covered conditions after a certain amount
- Offers a 30-day money-back guarantee to new customers
Healthy Paws Plans and Coverage
Healthy Paws offers one plan for accidents and illnesses, covering costs such as:
- Hereditary and congenital conditions that were inherited or present from birth, such as heart defects
- Diagnostics and imaging, such as ultrasounds, X-rays, and blood tests
- Emergency and specialty care
- Hospitalization and surgery
- Prescription medications
The plan does not include an option for a wellness add-on. Healthy Paws plans exclude spaying, neutering, office visit and exam fees, pre-existing conditions, behavioral treatment, pet diets, and costs for preventative or routine care.
Fetch Pros and Cons
Fetch Overview
For pet owners seeking well-rounded care for a furry family member, Fetch offers holistic benefits, generous behavioral treatment limits, and extra perks such as virtual vet visits.
Highlights
- Our score: 91.5
- Offers a 10% discount for pets that were adopted from shelters or rescues
- Provides up to $1,000 of telehealth benefits
- Covers holistic treatment options, such as stem cell therapy, homeopathic remedies, hydrotherapy, and acupuncture
Fetch Plans and Coverage
Fetch has one plan designed to cover accidents and illnesses and covers costs related to:
- Alternative therapies, such as stem cell treatment, homeopathy, chiropractic care, and acupuncture
- Telehealth veterinary services
- Laboratory and diagnostic testing
- Prescription medications and cancer treatments
- Surgery and rehabilitation
- Vacation cancellation costs due to a sick pet
Fetch does not offer any add-on options for additional benefits. Fetch policies exclude pre-existing conditions, routine and wellness care costs, and cosmetic or elective procedures that are not medically necessary.
Figo Pros and Cons
Figo Overview
In addition to scoring well in our review for its overall comprehensive coverage, Figo stands out among competitors for its Extra Care Pack that uniquely includes coverage for third-party property damage up to $10,000 and a few other costs.
Learn More: Figo Pet Insurance Review
Highlights
- Our score: 93
- Provides the unique Figo Pet Cloud, which connects you to social groups of other Louisiana pet owners near you
- Has a 24/7 live vet chat for quick communication with online vets
- Processes most claims within three business days
Figo Plans and Coverage
Figo’s accident and illness plan covers procedures, treatments, and other costs related to your pet’s unexpected conditions, such as broken bones, cancer, chronic conditions, and general illnesses. It can come with $5,000, $10,000, or unlimited annual coverage caps depending on your needs.
Its Extra Care Pack includes coverage for third-party property damage your pet may cause, vacation cancellation fees if you’re forced to change plans due to your pet’s condition, end-of-life expenses, replacement costs if your pet gets lost or stolen, lost-pet advertising and reward money, and emergency boarding fees.
You can also add coverage for preventative care in two different coverage levels and prices, in addition to an add-on for vet visit fees and exam fees coverage.
Prudent Pet Pros and Cons
Prudent Pet Overview
Prudent Pet’s comprehensive coverage that spans from an Accident-Only Plan to an Unlimited Plan makes it our top choice for pet parents in Louisiana looking for either minimal or maximum benefits.
Learn More: Prudent Pet Pet Insurance Review
Highlights
- Our score: 95
- Unlimited Plan benefits cover perks such as lost-pet advertising and vacation cancellation fees, which are items not covered by most other providers
- Has a 24/7 live online chat option that provides support to policyholders
- Its 10% multi-pet discount offers a lower rate to pet owners insuring more than one animal
Prudent Pet Plans and Coverage
Prudent Pet offers three distinct tiers of coverage, ranging from Accident-Only to the extensive Ultimate plan.
- Accident-Only Plan: Best for those who need minimum coverage in case of an emergency, the Accident-Only Plan covers costs for hospitalization, surgery, dental injuries, prescription medications, swallowed objects, and alternative therapies when prescribed by a licensed veterinarian.
- Essential Plan: Building on the coverage offered in the Accident-Only Plan, the Essential Plan covers illnesses and conditions such as cancer diagnosis and treatment, digestive illness, urinary infections, and $250 to go toward behavioral treatment.
- Ultimate Plan: This plan has an unlimited coverage cap, meaning that there is no maximum price the company will pay when it comes to eligible accidents and illnesses. This plan covers all items in the Essential and Accident-Only Plans and adds on coverage for items such as advertising and reward fees if your pet is lost, costs for boarding your pet if you are hospitalized for more than four days and can’t take care of your pet, and replacement costs for lost or stray pets. It also increases behavioral treatment coverage to $1,000.
Wellness Add-On: Prudent Pet also offers a wellness add-on that’s available at three different price points to cover costs from routine care and a vet exam fee add-on for a few more dollars each month.
All three Prudent Pet plans exclude coverage for herbal or natural treatments, pre-existing conditions, anal gland expression, and traveling vet costs.
Pawp Pros and Cons
Pawp Overview
Unlike the other providers on this list, Pawp is an alternative to pet insurance. This digital clinic provides an accompanying emergency fund for those who need minimal coverage while maintaining peace of mind that their pet is covered in a crisis.
Learn more: Pawp Pet Insurance Review
Highlights
- Our score: 90
- Offers one plan at a flat rate that covers up to six pets
- No deductibles involved—Pawp pays your vet directly
- Offers $3,000 of coverage for one life-threatening veterinary emergency each year
Pawp Plans and Coverage
Pawp offers one membership, rather than an insurance plan, that extends only to life-threatening emergencies, such as:
- Choking
- Serious injuries
- Toxic ingestions
- Life-threatening blockages
Pawp considers a covered emergency to be an injury or illness that must be treated within four hours of the incident for the pet to survive. No wellness or routine care add-on is offered.
Pawp’s emergency fund excludes coverage for routine care, scheduled procedures, conditions related to pregnancy or breeding, or any other issue not considered an emergency by a Pawp vet.
How Much Does Pet Insurance Cost in Louisiana?
Based on our secret shopping for Louisiana pet insurance quotes, we found that pet insurance for dogs in Louisiana averages between $10 and $54 per month, while the monthly cost of pet insurance for cats averages between $8 and $28.
However, several elements can affect the price of pet insurance premiums you are quoted for pet insurance, including:
Species
As seen in the information above, dogs are more expensive to insure than cats. This is due to their higher likelihood of developing health conditions as they age.
Breed
Small and mixed-breed dogs often have lower premiums than purebred large dogs. This is because larger dogs have an increased risk of expensive ailments like hip dysplasiaand cancer. Additionally, purebred cats such as Siamese or Ragdoll breeds can encounter more health issues, making mixed breeds such as domestic medium-hair cats less expensive to insure.
Customization
A lower deductible, higher reimbursement rate, and higher coverage cap will raise your payments. For example, through Prudent Pet, an Essential Plan with a low $100 deductible and a high 90% reimbursement rate for a 4-year-old mixed dog would cost $58.50 per month. The same dog’s monthly plan would cost only $29.68 with a raised $250 deductible and a lowered 80% reimbursement rate.
Age
Pets become more expensive to insure as they age, with premiums spiking around 6 years old. In some cases, insuring your dog or cat at a younger age can mitigate how much their insurance premium raises as they age.
Location
Where you live can affect the pet insurance rate you are quoted. Veterinary care tends to be more expensive in urban areas due to the higher price of living in cities rather than rural communities. Therefore, pet insurance also tends to cost more for those dwelling in metropolitan ZIP codes.
![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 in Louisiana Worth it?
Yes, in most cases, we’ve found that pet insurance is worth it in Louisiana due to the added security and peace of mind. For low rates and comprehensive coverage options, our top pick in Louisiana is Prudent Pet. Pet owners who want a customizable deductible may prefer Embrace, while Pawp can be an excellent choice for Louisiana residents seeking minimal, emergency-only plans.
FAQs About Pet Insurance in Louisiana
Do all veterinarians in Louisiana take pet insurance?
In contrast to human health insurance, veterinarians do not operate in specified insurance networks. In almost all cases, pet insurance companies will reimburse pet parents for eligible costs incurred at any licensed veterinarian in the U.S.
Is pet insurance in Louisiana worth it?
In a survey we conducted of 1,000 pet owners, 43% of respondents stated that they would have to use a credit card to pay for a veterinary emergency, and another 9% did not know where they’d get the funds to support their pet’s health. Pet insurance covers your pet during an emergency and can provide peace of mind, allowing owners to focus on their companion’s health journey instead of worrying about finances during an accident, illness, or injury.
What is the waiting period for pet insurance?
All pet insurance companies have waiting periods to prevent fraud, though the length of time may differ for each provider. If an accident or illness occurs after enrollment but during the policy’s waiting period, it will not be covered under your new plan. Typically, waiting periods can range from two to four days.
Do younger pets need pet insurance?
While many pet parents wait until their animals are older to consider insurance, it may be wise to purchase a plan when your pet is young to avoid paying higher premiums as it ages. It’s also worth noting that Embrace offers a wellness plan that can help cover the routine care costs common in puppies and kittens, such as microchipping, routine vaccines, training, spaying and neutering, and wellness exam fees.
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.