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Best Pet Insurance in Minnesota (MN)

Author Icon By Stephanie Koncewicz Updated 02/13/2024

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. Pet insurance provides peace of mind that you’ll be able to afford any necessary treatments and procedures related to your cat or dog’s unexpected emergency, getting it back to good health as quickly as possible.

The This Old House Reviews Team has 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.

Compare Other Pet Companies

Star Rating Monthly Cost Coverage Link
Lemonade Lemonade
$23.22 accident and illness, wellness Visit Site
Spot Spot
$45.75 accident and illness, accident only, wellness Visit Site
Embrace Embrace
$57.19 accident and illness, wellness Visit Site
$43.29 accident and illness, accident only, wellness Visit Site
Healthy Paws Healthy Paws
$48.65 accident and illness Visit Site
Logo Lemonade
Star Rating
Monthly Cost $23.22
Coverage accident and illness, wellness
Visit Site
Logo Spot
Star Rating
Monthly Cost $45.75
Coverage accident and illness, accident only, wellness
Visit Site
Logo Embrace
Star Rating
Monthly Cost $57.19
Coverage accident and illness, wellness
Visit Site
Star Rating
Monthly Cost $43.29
Coverage accident and illness, accident only, wellness
Visit Site
Healthy Paws
Logo Healthy Paws
Star Rating
Monthly Cost $48.65
Coverage accident and illness
Visit Site
Star Rating
Monthly Cost
accident and illness, wellness
accident and illness, accident only, wellness
accident and illness, wellness
accident and illness, accident only, wellness
accident and illness

Top 7 Pet Insurance Providers in Minnesota

Spot Most Customizable Plans

We recommend Spot to pet parents looking for the most customization options for their pet insurance plan to ensure they only pay for the amount of coverage they need.

Learn More: Spot Pet Insurance Review

Pros & Cons of Spot Pet Insurance
Pros Includes a 24/7 telehealth line for questions about your pet’s health Has a responsive customer service chat on its website Covers microchip implantation in its policies Cons Has a 14-day waiting period for accidents, which is longer than Embrace and Prudent Pet Doesn’t have weekend customer service availability like other providers do
Spot Plans and Coverage

For coverage on injuries, swallowed objects, toxic ingestions, and other unexpected accidents, you can purchase Spot’s accident-only plan. For more comprehensive coverage on accidents and illnesses like cancer, hip dysplasia, heart disease, and more, Spot offers its accident and illness policy.

Spot includes coverage for microchipping and exam fees, which some competitors exclude, but it doesn’t cover elective procedures, breeding issues, and preexisting conditions. For preventive care, Spot offers the Gold and Platinum plans with a total of either $250 or $450 of annual coverage on routine care treatments, such as deworming, a fecal test, vaccinations, a wellness exam, and dental cleaning.

Embrace Best Deductibles

Embrace offers accident and illness pet insurance policies with five deductible options and a unique diminishing deductible benefit called the Healthy Pet Deductible.

Learn More: Embrace Pet Insurance Review

Pros & Cons of Embrace Pet Insurance
Pros Covers 100% of vet bills included in its optional Wellness Rewards add-on, rather than having per-item limits Offers a free medical history review of your pet after you purchase a policy Donates $2 to charity with every policy purchase Cons Doesn’t offer coverage limit options beyond $30,000, which is lower than many competitors Requires a $1 monthly installment fee, but it can be avoided by paying annually for your policy
Embrace Plans and Coverage

Embrace’s pet insurance plan covers accidents and illnesses like dental trauma, congenital conditions, cancer, allergies, and more. It reimburses pet parents for necessary treatments, procedures, exam fees, and other costs, including diagnostics, hospitalization, surgery, and physical therapy. It doesn’t cover elective procedures, breeding and pregnancy-related issues, and preexisting conditions.

Embrace’s optional Wellness Rewards Plan pays for 100% of preventive care vet bills up to your chosen annual limit of $250, $450, or $650. Qualifying costs include routine vet visits, microchipping, prescription diet foods, teeth cleanings, grooming, and more.

Fetch Pet Insurance Best Holistic Coverage

Fetch Pet Insurance is a great option for pet owners who are looking for coverage for alternative therapies like acupuncture and chiropractic care or those want to be reimbursed for behavioral issues.

Learn More: Fetch Pet Insurance Review

Pros & Cons of Fetch Pet Insurance
Pros Includes coverage of vet exams and sick visits Offers 24/7 virtual vet visits Provides military and AARP discounts Cons Doesn’t give discounts for enrolling more than one pet Doesn’t have any preventive care or wellness benefits
Fetch Plans and Coverage

Fetch Pet Insurance offers one plan that covers accidents and illnesses, including broken bones, cuts, toxic ingestions, hip dysplasia, and cancer treatment. Coverage extends to veterinary exams, emergency and specialty vet visits, diagnostic testing, dental issues, and surgeries.

Unlike most pet insurance companies, Fetch includes holistic and alternative treatments in its standard plan as well reimbursement for the treatment of behavioral issues.

While it doesn’t offer an add-on for wellness or preventive package, Fetch does have several perks, including reimbursement of vacation cancellation fees related to your pet’s illness or injury. Fetch will also help pay for the cost of boarding your pet if you are in the hospital for more than four days.

Fetch has annual reimbursement limits of $5,000, $15,000, or unlimited and gives customers a choice of three deductibles: $250, $300, or $500.

ASPCA Best for New Pet Owners

If you are a first-time pet parent, ASPCA may be worth considering for pet insurance. The company has services and perks geared toward new cat and dog owners, including a tool for finding a local veterinarian and information on specific breeds and related conditions.

Learn More: ASPCA Pet Insurance Review

Pros & Cons of ASPCA Pet Insurance
Pros Does not require a pet’s medical records to approve coverage Offers a 10% multi-pet discount at enrollment Provides a moneyback guarantee if you cancel your policy within 30 days Cons Has limited annual coverage caps (up to $10,000) Does not provide any online customer service options
ASPCA Plans and Coverage

ASPCA has a basic plan that covers diagnosis and treatmenst related to accidental injuries like bites and broken bones. The company’s more comprehensive plan covers accidents plus a number of illnesses, including cancer and diabetes and certain chronic, hereditary, and congenital conditions. It excludes preexisting conditions.

Customers can add preventive care to their policies for either $9.95 or $24.95 per month. Both preventive care options include routine procedures like dental cleanings and wellness exams. The basic plan ($9.95) plan has a reimbursement limit of $250, while the Prime Plan ($24.95) comes with $450 of annual coverage.

Healthy Paws Best Coverage Limit

Healthy Paws is a top-rated pet insurance provider that includes unlimited coverage caps with all policies typically at a lower cost than other providers’ unlimited coverage options.

Learn More: Healthy Paws Pet Insurance Review

Pros & Cons of Healthy Paws Pet Insurance
Pros Has been in business for more than 11 years, which is longer than most competitors in this review Processes most claims within two days of pet owners filing a claim Recommends other pet insurance providers if your quoted price is abnormally high Cons Doesn’t allow owners of pets who are 6 years or older to customize their plan Doesn’t cover hip dysplasia until after the 12-month waiting period is over
Healthy Paws Plans and Coverage

Healthy Paws offers one accident and illness plan for coverage on treatments, procedures, and other costs like cancer treatment, X-rays, diagnostic tests, surgery, hospitalization, prescription medications, specialty care, alternative treatment, and more. It doesn’t have any coverage limits, so you’ll never owe money out of pocket during a claim aside from your deductible and copay.

Although Healthy Paws’ pet insurance plan is comprehensive, it doesn’t cover behavioral treatments, spay or neuter procedures, office visit or exam fees, preexisting conditions, and hip dysplasia during the first 12 months of the policy. It also doesn’t offer any preventive care options like many competitors do for additional coverage on routine care.

Prudent Pet Most Comprehensive Plan

Prudent Pet is an ideal choice for pet owners who want a comprehensive plan that covers extra reimbursements for lost-pet advertising money, vacation cancellation fees, and a few other items.

Learn More: Prudent Pet Insurance Review

Pros & Cons of Prudent Pet Insurance
Pros Includes access to a 24/7 vet chat with each plan Provides a 10% multi-pet discount for policies on additional pets Offers three preventive care coverage limit and monthly pricing options Cons Doesn’t allow you to customize your annual coverage limits like most other providers do Doesn’t provide a mobile app for policy management and claims filing
Prudent Pet Plans and Coverage

Prudent Pet offers three plans: Accident-Only, Essential, and Ultimate. The Accident-Only Plan covers up to $10,000 of vet bills per year for accident- and injury-related emergencies. The Essential Plan covers up to $10,000 of vet bills per year for both accidents and illnesses, including cancer, digestive illness, hereditary conditions, hip dysplasia, and more.

The Ultimate Plan covers everything in the Essential Plan, but it comes with unlimited annual coverage and includes reimbursement for lost-pet advertising and reward fees, vacation cancellation fees, boarding fees if you’re hospitalized for more than four days and need help caring for your pet, mortality costs that cover cremation or burial of a pet, and the replacement cost if your pet is lost or stolen.

You can also add coverage for vet exam fees and preventive wellness care. The preventative plan costs between $7 and $25 per month and comes with a total of $210, $315, or $460 per year for treatments like vaccinations, wellness exams, microchipping, and deworming.

Fetch Pet Insurance Best Holistic Coverage

Figo is our pick for pet insurance with add-on coverage options. The company provides a number of perks pet owners might find appealing such as reimbursement for cremation costs and lost-pet advertising. Additionally, Figo’s third-party liability insurance covers you against any lawsuits filed against you for damage your pet does to another person’s property.

Learn MoreFigo Pet Insurance Review

Pros & Cons of Figo Pet Insurance
Pros Has a short (one-day) waiting period compared to competitors Provides customer support through SMS texting Offers a diminishing deductible when you go 12 months without filing a claim Cons Takes up to seven days to pre-approve procedures Excludes coverage for puppies and kittens younger than 8 weeks old
Figo Plans and Coverage

While most pet insurance companies have one or two standard-coverage plans, Figo offers three: Essential, Preferred, and Ultimate. Each plan provides reimbursement for expenses from the diagnosis and treatment of accidental injuries, illnesses, and ongoing conditions. However, the three plans differ in terms of annual coverage caps.

The Essential Plan has a reimbursement limit of $5,000 and the Preferred Plan comes with a $10,000 limit. The Ultimate Plan does not have a coverage cap, which means you will not be denied reimbursement regardless of the cost of your allowable pet care expenses within a given 12-month period.

Coverage does not include any preexisting conditions, pregnancy- or breeding-related procedures or cosmetic surgeries like ear cropping.

Figo has two add-on packages covering some routine pet-health procedures. The Wellness Basic Plan is an additional $9.50 per month and comes with $135 in reimbursement for items like annual exams and spaying and neutering. At $16.50 per month, the Wellness Plus Plan covers all items included in the Basic plan, but with a higher coverage cap of $250.

Best Alternative to Pet Insurance


Pawp doesn’t offer pet insurance policies, but it provides pet owners with a membership to its 24/7 digital clinic, which includes unlimited access to virtual vet visits online or by phone.

Pros & Cons of Pawp Pet Insurance

Pros Pays for 100% of a covered vet bill without requiring any deductibles or copays Covers up to six pets with each membership Provides payment directly to the vet, rather than reimbursing you after you leave the office
Cons Doesn’t pay more than $3,000 per year for your pet’s covered emergency Requires communication with an official Pawp vet before you can access the emergency fund

Pawp Plans and Coverage

Rather than offering a traditional pet insurance policy, Pawp offers a membership to its 24/7 digital clinic services and includes a $3,000 emergency fund to pay for 100% of one vet bill per year. This fund can pay for treatments and procedures related to incidents like choking, toxic ingestions, and severe injuries, but they must be verified as life-threatening emergencies by an official Pawp vet before you can access the fund and visit the vet.

Pawp doesn’t offer any routine care benefits, such as wellness exams and vaccine reimbursement. The emergency fund also can’t be used for any scheduled surgeries or procedures, breeding or pregnancy-related issues, or anything accident or illness that is not deemed a life-threatening incident by a Pawp vet.

Pawp Sample Monthly Pricing

Pawp charges $24 per month, making it an ideal choice for pet owners of older or less healthy breeds of dogs or cats that are typically more expensive to insure.

Learn More: Pawp Pet Insurance Review

How Much Is Pet Insurance 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.

Compare the Top Providers of Pet Insurance in Minnesota

ProviderSample Monthly Premium*Highest Annual Coverage LimitNumber of Plans and Add-ons









Fetch by The Dodo








Healthy Paws




Prudent Pet








*Based on sample quotes from an accident and illness policy for a mixed 4-year-old dog in Minneapolis (55406 zip code).

Frequently Asked Questions 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.

Our Conclusion

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.

Other Minnesota Home Service Resources

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.