Across Nebraska, pet parents are searching for the best pet insurance plan to help them avoid unexpected expenses and provide their pet the high-quality treatment they deserve. 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.
In our search for the best providers for Nebraskan pets, the This Old House Reviews Team 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.
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.
Pros and Cons of Lemonade Pet Insurance
✔ 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 option
✘ 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 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.
Get Quote: Compare Rates with Lemonade
Learn More: Lemonade Pet Insurance Review
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%
Pros and Cons of Spot Pet Insurance
✔ 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
✘ Charges a $2 transaction fee on monthly premium payments
✘ Does not reimburse prescription pet food, even when recommended by veterinarian
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.
Get Quote: Compare Rates with Spot
Learn More: Spot Pet Insurance Review
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.
- 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.
Pros and Cons of Embrace Pet Insurance
✔ 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
✘ 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 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.
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
Pros and Cons of ASPCA Pet Insurance
✔ 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
✘ 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 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.
Get Quote: Compare Rates with ASPCA
Learn More: ASPCA Pet Insurance Review
Fetch by The Dodo
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.
- 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.
Pros and Cons of Fetch by The Dodo
✔ 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
✘ 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 by The Dodo 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 by The Dodo 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.
Get Quote: Compare Rates with Fetch
Learn More: Fetch by The Dodo Pet Insurance Review
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.
Pros and Cons of Healthy Paws
✔ 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
✘ 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 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
- 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.
Get Quote: Compare Rates with Healthy Paws
Learn More: Healthy Paws Pet Insurance Review
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.
- 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.
Pros and Cons of Prudent Pet Insurance
✔ 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
✘ 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 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.
Get Quote: Compare Rates with Prudent Pet
Learn More: Prudent Pet Review
How Much Is Pet Insurance 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.
Frequently Asked Questions about Pet Insurance in NE
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.
Comparing the Top Providers of Pet Insurance in Nebraska
To find your ideal provider, we always recommend getting three quotes for an accurate comparison between pet insurance companies and clear insight into your personalized pricing.
Compare Nebraska’s Best Pet Insurance Companies
|Provider||Our Rating||Sample Pricing*||Wellness Add-On|
|Fetch by The Dodo||91.5||$38.10||✘|
*Sample quotes for a mixed 4-year-old dog in Lincoln, NE with a 68508 zip code based on a $250 deductible, $5,000 coverage cap, and 80% reimbursement level when those options were available
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 firstname.lastname@example.org.