If you’re a pet owner living in Nevada, chances are you’ve experienced an unexpected emergency vet bill. From Reno to Henderson, most pet parents would benefit from a pet health insurance plan that protects their budget from their fur baby’s medical emergencies. We at the Home Media Reviews Team have identified the best pet insurance available in the Silver State to show you what you can expect to pay for coverage.



Nevada’s Top 7 Pet Insurance Providers




We’ve chosen Lemonade as our best overall provider based on its balance of price, comprehensiveness, and customizability.

  • Deductibles: $100, $250, $500
  • Reimbursement options: 70%, 80%, 90%
  • Maximum coverage limits: $5,000, $10,000, $20,000, $50,000

Lemonade Pros and Cons

✔ Has no lifetime payout limits
✔ Features two levels of wellness coverage
✔ Offers add-ons for behavioral issues and end-of-life expenses
✔ Offers 2-day waiting period for accidents

✘ Puts age limit on new enrollment
✘ Requires add-ons to cover exam fees and dental cleanings
✘ Some policyholders report customer service difficulties

Why We Chose Lemonade

We rate Lemonade a 96 out of 100 based on its inexpensive yet comprehensive coverage. Customers can add wellness and special coverage to the company’s single accident-and-illness plan. This covers exam fees, physical therapy, behavioral conditions, dental illness, or end-of-life expenses. It also offers some of the cheapest pet insurance plans that cover both accidents and illnesses.

Get a quote: Get a quote from Lemonade Pet Insurance

Learn more: Lemonade Pet Insurance review




Spot is a practical choice for pet owners who want to customize their insurance plan. It has several deductible rates, reimbursement options, and coverage limits, making it a top choice for pets with a variety of needs.

  • Deductibles: $100, $250, $500, $750, $1,000
  • Reimbursement options: 70%, 80%, 90%
  • Maximum coverage limits: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, unlimited

Spot Pros and Cons

✔ Covers microchipping and exam fees
✔ Gives choice of two wellness plans
✔ Offers accident-only coverage
✔ Offers unlimited maximum coverage 

✘ Doesn’t offer direct pay
✘ Has 14-day waiting period for accidents
✘ Offers no customer service on weekends

Why We Chose Spot

Scoring a 91 out of 100, Spot offers both accident-only and accident-and-illness plans, plus two levels of wellness coverage. There’s no upper age limit for newly-enrolled pets so older animals will be covered.

Get a quote: Get a quote from Spot Pet Insurance

Learn more: Spot Pet Insurance review



Healthy Paws

Healthy Paws’ single accident-and-illness plan comes with no coverage limits per incident, year, or lifetime of your pet.

  • Deductibles: $250, $500
  • Reimbursement options: 70%, 80%
  • Maximum coverage limits: Unlimited

Healthy Paws Pros and Cons

✔ Covers some complementary and alternative therapies
✔ Has no payout limits
✔ Offers 30-day money-back guarantee
✔ Processes most claims in two days

✘ Features some age-based exclusions
✘ Has 12-month waiting period for hip dysplasia
✘ Offers no coverage for preventive care

Why We Chose Healthy Paws

Although Healthy Paws pet insurance plans have fewer coverage options and no add-ons, its basic plan is quite comprehensive. Customers can submit claims through the company’s app which allows for quicker processing. We rate Healthy Paws a 93.5 out of 100.

Get a quote: Get a quote from Healthy Paws Pet Insurance

Learn more: Healthy Paws Pet Insurance review




Embrace offers true diminishing deductibles: for every year you go without receiving a claim reimbursement, your deductible drops $50.

  • Deductibles: $200, $300, $500, $750, $1,000
  • Reimbursement options: 70%, 80%, 90%
  • Maximum coverage limits: $5,000, $8,000, $10,000, $15,000, $30,000

Embrace Pros and Cons

✔ Covers routine care with three possible add-ons
✔ Features Healthy Pet diminishing deductible
✔ Has waiting period of only two days for accidents
✔ Offers 10% multi-pet discount

✘ Has limited customer service hours
✘ Has some age-based coverage restrictions
✘ No coverage for prescription food or supplements

Why We Chose Embrace

Embrace, which we rank at 93.5 out of 100, offers a single accident-and-illness plan to which you can add three levels of wellness coverage. There is an option for unlimited maximum coverage but you’ll need to speak to a representative on the phone to receive it.

Get a quote: Get a quote from Embrace Pet Insurance

Learn more: Embrace Pet Insurance review




Figo’s optional “powerups” add extra coverage beyond the usual wellness veterinary care.

  • Deductibles: $100, $250, $500, $750
  • Reimbursement options: 70%, 80%, 90%, 100%
  • Maximum coverage limits: $5,000, $10,000, unlimited

Figo Pros and Cons

✔ Has one-day waiting period for accidents
✔ Offers 100% reimbursement with some plans
✔ Offers add-on coverage for boarding, lost pet advertising, end-of-life expenses, and more
✔ Waives orthopedic condition waiting period with exam

✘ Charges high deductibles for older pets
✘ Offers low wellness coverage limits
✘ Requires add-on for prescription food and exam fees

Why We Chose Figo

Figo, which we score a 93 out of 100, offers reasonably-priced, non-traditional wellness add-ons that cover some unusual costs. The Extra Care Pack covers eventualities such as fees for canceling a vacation due to a sick pet and third-party liability for property damage.

Get a quote: Get a quote from Figo Pet Insurance

Learn more: Figo Pet Insurance review




With Trupanion’s Vet Direct Pay, the company can pay its portion of your pet’s medical bill without you needing to wait for reimbursement.

  • Deductibles: $0, $5 increments from $50 to $1,000
  • Reimbursement options: 90%
  • Maximum coverage limits: Unlimited

Trupanion Pros and Cons

✔ Allows enrollment from birth
✔ Doesn’t exclude bilateral conditions
✔ Offers add-ons for behavioral and alternative care
✔ Processes most claims within two days

✘ Has a comparatively high monthly cost
✘ Offers less customizability
✘ Requires 30-day waiting period for illnesses

Why We Chose Trupanion

Trupanion has no payout limits and all covered vet bills are reimbursed at 90%. While its monthly cost is a bit higher than its competitors, Trupanion does not consider bilateral orthopedic problems a preexisting condition (an unusual benefit in pet insurance). Trupanion, which we give an 89.5 out of 100, is a top choice if you’re worried about hip dysplasia or cruciate ligament issues.

Get a quote: Get a quote from Trupanion Pet Insurance

Learn more: Trupanion Pet Insurance review




If you’re new to being a pet parent, ASPCA’s helpful website can connect you with local resources and breed-specific health information.

  • Deductibles: $100, $250, $500
  • Reimbursement options: 70%, 80%, 90%
  • Maximum coverage limits: $3,000, $4,000, $5,000, $7,000, $10,000

ASPCA Pros and Cons

✔ Has no upper age limit for new enrollment
✔ Includes standard coverage for exam fees and prescription food
✔ Offers 10% multi-pet discount
✔ Offers two wellness add-ons

✘ Has 14-day waiting period for accidents
✘ Only offers unlimited coverage by phone
✘ Tends toward slower claims processing times

Why We Chose ASPCA

With a rating of 89 out of 100, ASPCA Pet Insurance offers both accident-only and accident-and-illness coverage. You’ll also have a choice of two wellness add-ons to cover veterinary bills for checkups and preventive medication.

Get a quote: Get a quote from ASPCA Pet Health Insurance

Learn more: ASPCA Pet Health Insurance review



Compare the Top Providers of Pet Insurance in Nevada

You can get a quote online from any of the providers above, but here are some sample prices for dog and cat insurance in Las Vegas.


Cost Range of Dog Insurance*

Cost of Cat Range Insurance*

Number of Plans and Add-ons

Wellness Add-On




1 + 5





Healthy Paws











1 + 2




1 + 2





*These quotes are based on accident-and-illness coverage for a 4-year-old, mixed-breed male dog and a 4-year-old, domestic, medium-haired male cat in Las Vegas, Nevada. 



What Pet Insurance Does and Doesn’t Cover

Accident-only pet insurance plans cover expenses related to accidents and injuries, such as X-rays and other scans, medication, and hospitalization. Accident-and-illness plans cover everything included with accident-only, but also add coverage for expenses related to illnesses and other health conditions. For both plans, there’s a waiting period between enrollment and coverage.

Any accidents, illnesses, or conditions that show signs before the end of the waiting period are called preexisting conditions. Pet insurance will not cover these. Similarly, pet insurance won’t cover elective or experimental procedures. Most plans won’t cover expenses not related to health care (like boarding and grooming), though some will offer add-ons for these costs. Finally, pet insurance won’t cover preventive care like vaccinations or spay/neuter procedures unless you purchase a wellness add-on.



Our Conclusion

The best pet insurance in the Silver State can be purchased from Lemonade, Spot, and Healthy Paws. However, pet insurance isn’t a one-size-fits-all product, and any one of the providers on this list may be the perfect option for you. We recommend getting pet insurance quotes from at least three different companies before making your choice.



FAQs About Pet Insurance in Nevada



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.