Best Pet Insurance in Nebraska (NE)
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.
How Do NE 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 | ||
N/A | N/A | VISIT SITE |
Who Are the Top 5 Pet Insurance Providers in Nebraska?
How Much Does Pet Insurance Cost in Nebraska?
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:
- Species: 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.
- Breed: 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.
- Customization: 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.
- Age: 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.
- Location: 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.
- Discounts: 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.