Best Pet Insurance in Minnesota (MN)
As a pet owner in Minnesota, you’re likely worried about your furry friend’s health and don’t want it catching a digestive illness or breaking a bone while playing in the park.
We surveyed pet owners nationwide to learn about the industry and analyzed top pet insurance companies on key metrics such as customer service, monthly costs, plan options, and coverage to help you find the best pet insurance policy in Minnesota.
We’ve also included sample quotes for policies with an 80% reimbursement rate, a $250 annual deductible, and a $5,000 annual coverage limit when applicable for 4-year-old pets in Minneapolis to give you an idea of monthly costs with each top affordable pet provider. Through our research, we’ve found that the best pet insurance provider in Minnesota is Spot for its flexible plans and affordable pricing.
How Do MN Pet Insurance Companies Compare?
Company | Star Rating | Monthly Cost for Dogs* | Monthly Cost for Cats* | 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 | ||
N/A | N/A | VISIT SITE |
Top 7 Pet Insurance Providers in Minnesota
How Much Does Pet Insurance Cost in Minnesota?
The cost of pet insurance in Minnesota varies depending on your zip code and pet’s specific details, but you can typically expect to pay somewhere between $15 and $80 per month for a standard accident and illness policy. Here are some specific factors that may impact your quoted rates:
Age
Older pets can be considerably more expensive to insure, since they’re more likely to have health issues due to their age. Purchasing a pet insurance policy for your dog or cat at a younger age can help mitigate high plan costs as they get older.
Breed
In general, cat insurance is cheaper than dog insurance, since dogs can be more susceptible to certain health conditions, such as hip dysplasia and cruciate ligament injuries.
Species
Various species of dogs and cats can be more prone to illnesses and conditions, making them more expensive to insure. For instance, Labrador Retrievers are known for getting hip dysplasia, while mixed breeds are known for remaining healthy as they age.
Customization
Customizing your policy can help make it more affordable. The cheapest pet insurance policies come with high deductibles, low annual coverage limits, and low reimbursement rates. For example, Spot quoted us $121.04 per month for a mixed dog’s policy with unlimited annual coverage, a $100 deductible, and a 90% reimbursement rate, but it would cost only $15.74 per month when selecting a $2,500 annual limit, $1,000 deductible, and 70% reimbursement rate.
Is Pet Insurance in Minnesota Worth it?
Yes, in most cases, we’ve found that pet insurance is worth it in Minnesota due to the added security and peace of mind. Wherever you live in Minnesota, it’s important to choose a top pet insurance company to protect your furry family member. Although Prudent Pet scored the highest in our review and offers an impressive comprehensive plan with unlimited annual coverage, Spot’s customizable plans may make more sense for you if you’re looking for more affordable policies. We ultimately recommend getting free quotes from at least three different pet insurance providers to compare pricing in your area.
FAQs About Pet Insurance in Minnesota
Is pet insurance in Minnesota worth it?
When your companion experiences an unexpected health emergency, it can be stressful and scary, especially if you’re unsure how you’ll pay for the vet bills. Of the 1,000 pet owners that we surveyed, roughly 40% said they’d need to use a credit card for unexpected vet bills, while 9% said they don’t know how they’d afford them.
If you’re anything like those pet parents, pet insurance can give you the confidence and peace of mind that you won’t be out hundreds to thousands of dollars on an expensive vet bill.
Are my pet’s medical records required when purchasing pet insurance in MN?
It depends. Many providers, including Embrace and Healthy Paws, require medical records from a recent vet visit to make note of any pre-existing conditions that your dog or cat has. However, companies like Prudent Pet and Spot don’t require those records during policy enrollment.
When should I purchase a pet insurance policy in Minnesota?
We recommend purchasing a pet insurance policy as early as possible, since it can ensure any future conditions qualify for coverage.
Other Minnesota 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.