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Best Pet Insurance in Nebraska (NE)

Author Icon Written by Brenda Woods Updated 04/16/2024

Across Nebraska, pet parents are searching for the best pet insurance plan to help them avoid unexpected expenses and provide their pets with the high-quality treatment they deserve.

In our search for the best inexpensive pet insurance providers for Nebraskan pets, we examined top insurers’ costs, drawbacks, plan options, customer service, and other key metrics to create a guide to the top pet insurance companies in Nebraska. We’ve also included quotes we received in secret shopping these providers to give an idea of pricing. Compare and contrast our top picks here to see what’s right for your pet. Through our research, we’ve found that the best pet insurance provider in Nebraska is Lemonade for its flexible plans and affordable pricing.

Pet insurance can provide protection if your pet becomes sick or injured, allowing owners to focus on their pet’s health journey rather than worrying over high vet bills.
Why Trust Us? Our review and rating process for the best pet insurance companies
Companies Considered We carefully considered 22 companies to find the best pet insurance providers available.
Pet Owners Surveyed We surveyed 1,000 pet owners to see what they care about most when in comes to pet insurance.
Reviews Analyzed We went through 3,800 customer reviews of pet insurance companies to see what people had to say about each provider.
Policies Compared We compared 51 policies to find the best pet insurance offerings on the market.

How Do NE Pet Insurance Companies Compare?

Company Star Rating Monthly Cost for Dogs* Monthly Cost for Cats* Visit Site
$23.22 $11.00 VISIT SITE
$45.75 $25.23 VISIT SITE
$43.29 $23.73 VISIT SITE
$57.19 $34.97 VISIT SITE
$48.65 $22.73 VISIT SITE
$46.48 $21.51 VISIT SITE

Who Are the Top 5 Pet Insurance Providers in Nebraska?

Spot: Most Customizable Plans
ASPCA: Best for New Pet Owners
Embrace: Best Deductibles
Healthy Paws: Best Coverage Limits
Fetch: Best Holistic Coverage
Prudent Pet: Most Comprehensive Plan


Best Overall

Pros and Cons of Lemonade Pet Insurance

Pros Option for additional preventive care when insuring puppies or kittens under 2 years old, which can help to cover the early cost of pet ownership Quick 48-hour waiting period for accident coverage, which is the shortest of any provider on this list Consistently lower prices than other providers in Nebraska, making them an affordable pet insurance option Cons Requires a recent exam from within the past 12 months in order to sign up for a policy, an expense that is not covered by Lemonade No options for behavioral treatment coverage

Lemonade Overview

In our review of pet insurance companies in Nebraska, Lemonade came out on top for its affordable coverage, charitable initiative, discount options, and helpful wellness add-ons. Pet parents looking for plans at a fair price with extra perks may find Lemonade to be a good option.


  • Our score: 96
  • Multiple discounts available: 10% off for bundling with other insurance products such as Lemonade homeowners insurance or Lemonade renters insurance, 5% off for insuring multiple pets, and 5% off for paying annually
  • Wide range of available coverage caps, with choices ranging from $5,000 to $100,000
  • Customizable add-ons include wellness and preventive care, exam fees, and physical therapy

Lemonade did lose a few points in our rankings because of its lower than average rating from the Better Business Bureau. However, most dissatisfaction comes from customers under its homeowners or renters policies, not pet owners.

Lemonade Plans and Coverage

Lemonade offers a standard accident and illness plan that covers incidents such as:

  • Broken bones
  • Internal or external injuries
  • Toxic ingestions or blockages
  • Hospitalization or surgery
  • Specialist care
  • Prescription medications

However, all of Lemonade’s plans come with exclusions that apply to preexisting conditions, cruciate ligaments before the six month waiting period, spaying and neutering for pets over 2, and dental illness.

Lemonade’s pet-friendly add-on coverage options include:

  • Preventive care for routine costs such as wellness exams, vaccinations, and blood tests
  • Physical therapy for prescribed treatments like acupuncture and chiropractic care
  • Vet visit fees for costs associated with eligible accidents and illnesses

Lemonade Pet Insurance Cost

Based on the quotes we received, we found that Lemonade’s monthly pet health insurance premiums in Nebraska fell between $18 and $25 per month for dogs and between $11 and $16 per month for cats.


Most Customizable Plans

Pros and Cons of Spot Pet Insurance

Pros Has a 24/7 helpline for pet-care concerns and questions Covers treatment of behavioral issues like anxiety and aggression Provides online customer service via chat Cons Charges a $2 transaction fee on monthly premium payments Does not reimburse prescription pet food, even when recommended by veterinarian

Spot Overview

Spot’s customizable coverage makes it one of our top recommendations for pet insurance coverage in Nebraska. Spot gives customers seven choices for annual coverage caps ranging from $2,500 to unlimited as well as five annual deductibles between $100 and $1,000.


  • Our score: 91
  • Coverage of therapeutic diets and nutritional supplements
  • No recent vet exam requirement for coverage
  • Reimbursement rates ranging from 70% to 90%

Spot Pet Insurance Plans and Coverage

Spot has an accident plan that provides coverage for treatment related to injuries, swallowed objects and toxic ingestions. The company’s accident and illness plan includes coverage in the accident plan as well as reimbursement for illnesses and chronic conditions, including cancer, hip dysplasia, diabetes, and respiratory infections.

The accident and illness plan also reimburses you for alternative therapies like acupuncture and chiropractic care and treatment of behavioral issues. Customers can select one of the following annual coverage limits: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, and unlimited.

Reimbursement rates range from 70% to 90% and Spot offers five deductible amounts between $100 and $1,000.

If you want coverage for routine care, Spot has two optional preventive plans. The basic plan includes up to $250 in annual reimbursement for wellness-related services like dental cleanings, an annual exam, and a fecal test. The more comprehensive preventive policy has an annual coverage cap of $450 and includes items not covered under the basic plan, such as flea and heartworm prevention, a blood test, and urinalysis. The basic plan costs $9.95 per month while the top-tier plan is $24.95 per month.

Spot Pet Insurance Cost

Using Spot’s online quote tool, the cost to cover adult dogs in Nebraska ranges from approximately $12 to $96, depending on the deductible, reimbursement rate, and coverage cap you select. The cost to cover cats is between $8 and $70.


Best for New Pet Owners

Pros and Cons of ASPCA Pet Insurance

Pros Has seven annual coverage caps between $2,500 and unlimited coverage Is underwritten by one of the oldest pet insurance companies, Crum & Forster Pet Insurance Group Gives a 10% discount when you enroll more than one pet Cons Has limited customer service (only available Monday through Friday) Caps its deductible options at $500, while many pet insurance companies have deductibles up to $1,000

ASPCA Overview

With a vet finder tool, user-friendly app, microchip implant coverage, and online resources about various pet breeds, ASPCA is a great option for first-time pet parents.


  • Our score: 89
  • Vet exam fees included in standard plans
  • Coverage of behavioral issues
  • Five annual reimbursement limits

ASPCA Pet Insurance Coverage

ASPCA Pet Health Insurance offers two pet insurance plans: Accident-Only and Complete Coverage. The Accident-Only plan only covers accidental injuries like sprains, broken bones, and toxic ingestions, while Complete Coverage includes accidents and illnesses. The comprehensive plan provides reimbursement for hereditary conditions, cancer, digestive problems, and hip dysplasia, among other issues.

ASPCA Pet Health Insurance has two optional preventive care plans for more routine care like dental cleanings, annual wellness exams, and fecal tests. Both plans cover the same services but at different annual caps. The Basic Plan will reimburse you up to $250 per year and the Prime Plan has a $450 annual reimbursement limit.

ASPCA Pet Insurance Cost

ASPCA plans for adult medium-sized dogs in Nebraska run from about $22 to $43 per month, according to the instant quotes through the company’s website. The cost to cover a cat is between approximately $12 and $40 per month.


Best Deductibles

Pros and Cons of Embrace Pet Insurance

Pros Multi-pet and military service discounts available to reduce premiums Wellness add-on covers 100% of routine and preventive care costs up to the specified limit, rather than reimbursing a certain percentage of these expenses No age limit on coverage and allows rate customization, which is more flexible for older pets than many competitors on this list Cons Coverage options end at $30,000, which is the lowest cap on this list and may incur out of pocket costs in a serious emergency that needs expensive treatment Larger dog breeds are often quoted for higher premiums with Embrace than through other providers

Embrace Overview

For customizable deductibles and coverage caps to fit any budget, as well as discounts for healthy pets that accrue each year, Embrace may be an excellent choice for a pet insurance group in Nebraska.

Learn MoreEmbrace Review


  • Our score: 93.5
  • Healthy Pet Deductible credits $50 toward policyholder’s deductible for each year without filing a claim and can accrue up to a $0 deductible over time
  • Coverage includes some preventable conditions competitors exclude: Lyme disease, parvo, and parasites
  • Standard plan offers five deductibles to customize how much you’ll pay before coverage applies in an emergency: $200, $300, $500, $750, and $1,000

In our findings, we noted that Embrace has more limited options for how and when to contact customer service than other providers, with limited phone hours available to policyholders.

Embrace Plans and Coverage

Embrace offers one accident and illness plan that covers costs that arise from issues like:

  • Cancer diagnosis and treatment methods
  • Dental trauma
  • Genetic and chronic conditions
  • Hospitalization, surgery, and emergency care
  • Prescription drugs
  • Physical therapy
  • Diagnostic tests including allergy testing, MRIs, and CT scans

The wellness add-on this provider offers includes coverage for costs such as pet activity monitors, training, nail trimming, grooming, and microchipping.

Embrace plans exclude DNA cloning or testing, deliberate injury, cosmetic and elective procedures, and costs from breeding.

Embrace Pet Insurance Cost

Based on our quotes during the research process, Embrace policies for Nebraska pets cost from $25 to $50 each month for dogs and $19 to $32 each month for cats.

Healthy Paws

Best Coverage Limit

Pros and Cons of Healthy Paws

Pros Online chat feature provides quick support to policyholders All plans come with no per-month, annual, or lifetime coverage caps, meaning that pet parents will never reach a plan limit and need to pay out of pocket for eligible expenses Over $1 million of donations given toward ending pet homelessness Cons Only one plan option with no add-on coverage for preventive care or vet exam fees Lengthy 15-day waiting period exceeds most providers on this list

Healthy Paws Overview

If pet parents are seeking unlimited coverage caps built into every plan, a long history of charity for pets in need, and over 12 years of experience insuring pets, Healthy Paws may be an attractive choice.


  • Our score: 93.5
  • Each quote filled out provides a donation toward supporting the health and housing of homeless pets
  • The site’s unique comparison tool will suggest other top providers if it deems Healthy Paws’ quote abnormally high
  • According to the company’s site, most claims are processed within two days of filing

Healthy Paws was deducted points in our ratings for its lack of customization for some older pets, who may be given fixed deductibles and reimbursement rates.

Healthy Paws Plans and Coverage

Healthy Paws offers just one accident and illness plan that covers expenses for items including:

  • Diagnostic testing and imaging
  • Chronic conditions such as allergies
  • Surgery
  • Hospitalization and specialist care
  • Chronic, congenital, and hereditary conditions
  • Prescription medications

This plan excludes several items from coverage, like pre-existing conditions, routine and preventive care costs, office visit costs, exam fees, and spaying or neutering.

No add-on coverage is available through Healthy Paws policies.

Healthy Paws Pet Insurance Cost

According to the quotes we received during our secret shopping process, Healthy Paws plans in Nebraska run between $39 and $64 per month for dogs and between $21 and $25 per month for cats.

Fetch Pet Insurance

Best Holistic Coverage

Pros and Cons of Fetch Pet Insurance

Pros Holistic benefits included in the plan cover stem cell therapy and homeopathy along with more traditional treatments Up to $1,000 of behavioral treatment covered in the standard plan 30-day money-back option gives an option to try Fetch’s coverage risk-free Cons Requires a very recent veterinary exam from within the past 6 months to begin coverage Prices for older dogs can be higher than other providers included on our list

Fetch Overview

If pet parents are looking for more holistic pet health care that covers naturally-based treatment options and an option for unlimited coverage, Fetch may be an ideal provider for their four-legged family member.

Learn MoreFetch Pet Insurance Review


  • Our score: 91.5
  • Unique discounts include 10% off for licensed medical service animals as well as 10% off for pets adopted from a shelter or rescue
  • Up to $1,000 per policy year for telehealth veterinary visits, giving pet parents the option to care for their furry friends straight from home
  • Only provider on this list whose standard policy covers dental illness as well as dental injuries

Our Reviews Team took points from Fetch due to the significant differences in policy costs for larger and smaller dogs, making it difficult to predict pricing from pet to pet.

Fetch Pet Insurance Plans and Coverage

Fetch offers one accident and illness plan that covers costs like:

  • Diagnostics and imaging, including X-rays, ultrasounds, CAT scans, and MRIs
  • Costs for boarding kennel fees if you are hospitalized
  • Prescription medications
  • Expenses from sick visits and exam fees
  • Treatment for chronic and hereditary conditions
  • Specialist care and referrals
  • Treatment for breed-specific conditions
  • Cancer diagnosis and treatment
  • Advertising and reward for lost pets

Fetch’s coverage excludes costs incurred from preexisting conditions, routine or wellness care, and cosmetic or elective procedures.

Fetch Pet Insurance Cost

During secret shopping for pet insurance quotes in Nebraska, we found that Fetch’s monthly premium prices run between $32 and $52 per month for dogs and between $27 and $33 per month for cats.

Prudent Pet

Most Comprehensive Plan

Pros and Cons of Prudent Pet Insurance

Pros Offers a bare-bones Accident-Only plan to pet parents seeking minimal coverage Boasts the best customer service reviews on our list on both the Better Business Bureau and Trustpilot No recent exam needed for enrollment, saving pet parents out of pocket costs for a vet visit Cons No mobile app available to manage policy and claims on the go Coverage caps are set, meaning you cannot customize the amount Prudent Pet will pay for an eligible incident

Prudent Pet Overview

With unlimited coverage options, benefits that extend beyond the vet’s office to items like lost pet advertising and vacation cancellation, and some of the highest-rated customer service in the pet industry, Prudent Pet may be an excellent choice for pet parents seeking comprehensive coverage that goes the extra mile.

Learn MorePrudent Pet Review


  • Our score: 93.5
  • 24/7 vet chat gives pet parents a convenient way to get an expert opinion on issues with their pet
  • Both the Essential and Ultimate plans provide coverage for behavioral treatment, which is not always covered under other providers’ policies
  • Three plans and two add-on options offer flexible, individualized coverage

However, Prudent Pet was docked a few points in our review for its prices, which can run higher than competitors for similar plans.

Prudent Pet Plans and Coverage

With the largest range of plans on this list, Prudent Pet offers coverage at three levels that range from minimal to comprehensive. These three plans are:

  • Accident-Only plan: As the name suggests, this plan covers only accidents and emergency costs like surgery, hospitalization, bite wounds, oral injuries, broken bones, prescription medication, and prescribed alternative therapies.
  • Essential plan: The Essential plan covers all items included in Accident-Only and extends benefits for illnesses as well, such as cancer diagnosis and treatment, hereditary and congenital conditions like heart defects, behavioral problems, hip dysplasia and cruciate ligaments after the waiting period, and conditions in the eyes, ears, and skin.
  • Ultimate plan: For Prudent Pet’s highest level of coverage, all of the benefits and costs in the Accident-Only and Essential plans are covered, along with extra benefits like increased behavioral coverage, advertising and reward costs for lost pets, boarding fees in the event of the pet owner being hospitalized for more than four days, replacement costs for stray or lost pets, mortality benefits for end-of-life expenses, and more.

All of these Prudent Pet plans exclude coverage for breeding, whelping, or pregnancy-related expenses, preexisting conditions, and cosmetic or elective procedures.

Prudent Pet also offers add-on choices for vet exam fee coverage as well as preventive care costs.

Prudent Pet Pet Insurance Cost

Based on quotes we received in our research, Prudent Pet’s monthly coverage costs can range between $19 and $82 for dogs and from $11 to $38 for cats. Since Prudent Pet has three tiers of plans, the coverage level you select will significantly affect your cost per month, with Accident-Only affording the lowest cost and Ultimate being the most expensive.

In secret shopping top provider quotes for pet insurance for dogs and pet insurance for cats in Nebraska, we found that quotes for dogs ranged between $18 and $82 per month, while quotes for cats ranged between $11 and $33 per month.

A dog or cat’s price is affected by a number of factors involved, including:


As reflected in the quotes we received from each provider, pet insurance for dogs can be much more expensive than pet insurance for cats. Dogs are more likely to develop expensive conditions such as cancer than cats and other chronic conditions that can incur high vet bills over time.


An animal’s breed can inform the cost of insurance. Dogs like German Shepherds, Golden Retrievers, and Boxers are more likely to develop certain types of cancer than other breeds as they grow older. Larger dogs also have a higher likelihood to develop expensive-to-treat hip dysplasia, such as Saint Bernards and Golden Retrievers. Due to these factors, smaller or mixed breeds can be quoted more affordable prices for pet insurance.


How a policy is customized will affect pet insurance pricing. Choosing a lower deductible, higher reimbursement rate, or higher coverage cap can all raise premiums. For example, when insuring a 4-year-old domestic medium hair through Lemonade, choosing a 90% reimbursement rate, $20,000 coverage cap, and $100 deductible will result in a quote for $17.08 per month. On the other hand, raising the deductible to $250 while lowering the reimbursement rate to 80% and the coverage cap to $5,000 will reduce the monthly price to just $11.


Much like their human companions, pets tend to run into more frequent health issues as they age, which can result in raised premiums each year. This factor can make cats and dogs over six years old even more expensive to insure, though purchasing pet insurance earlier in their lives can help to prevent severe spikes in premium costs.


It’s no secret that the cost of living, including veterinary care, is typically more expensive in urban areas than in suburban and rural locations. This means that pet parents living in larger cities may also pay more expensive pet insurance premiums. For example, residents in Los Angeles, California, will likely pay more than pet parents living in Valentine, Nebraska.


One way to lower your monthly cost for pet insurance is to find discounts that apply to your situation, such as a multi-pet discount through Lemonade, Prudent Pet, or Embrace, or 10% off for adopting a pet in need from Fetch.

Is Pet Insurance in Nebraska Worth it?

Our top overall choice for pet insurance in Nebraska is Lemonade. We also rated Spot highly for its flexible coverage you can tailor to your needs, and Embrace for its deductible options. To choose the right provider, take a few moments to compare quotes from multiple pet insurance companies.

FAQs about Nebraska Pet Insurance

What is a preexisting condition?

A preexisting condition, in simple terms, is a health problem that appeared before you enrolled in your policy or before the waiting period was over. This can apply to many issues, from allergies to cruciate ligament problems. Preexisting conditions are one of the most common exclusions from coverage among pet insurance providers.

What does pet insurance cover in Nebraska?

Each pet insurance policy is different, but most pet insurance policies cover specified accidents and illnesses, such as broken bones, emergency surgeries, digestive illnesses, toxic ingestions, cancer, and other unexpected health problems that can arise.

Unlike human health insurance, pet insurance doesn’t operate inside specified networks. This makes it easy to visit any licensed vet and maintain coverage.

Some providers also offer accident-only coverage that does not extend to sickness but protects pets in case of a serious accident and any related costs, like Prudent Pet. Many pet insurance companies also offer add-on options for additional costs like routine care or vet exam fees. In short, what pet insurance covers is up to the policy you choose and any add-on coverage you select for your fluffy companion.

What is the most reasonable pet insurance in Nebraska?

In our research and secret shopping among the top companies in Nebraska, we found that Lemonade pet insurance offered the most reasonable prices for the Cornhusker state. Their policies start as low as $18 for dogs and $11 for cats.

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.

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