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Best Pet Insurance in North Dakota

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

Whether you’re hiking through Lake Sakakawea State Park with your new foxhound or relaxing at home with your kitty, your pet can experience an emergency at any time.

We reviewed and compared the best pet insurance companies in the industry, evaluating each provider on its coverage options, cost, reimbursement rates, waiting periods, and more. Read on to find out our top affordable recommendations for pet insurance in North Dakota.

If you have a pet insurance policy before your pet falls ill or suffers an accident, you’ll have peace of mind that you can get your furry friend the care it needs without throwing off your budget.
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 ND 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
$65.15 $53.43 VISIT SITE
$44.83 $24.68 VISIT SITE
$49.85 $26.55 VISIT SITE
$44.79 $16.36 VISIT SITE
$60.77 $37.93 VISIT SITE

North Dakota’s Top 7 Pet Insurance Providers

Based on our research, these seven pet insurance providers are our top picks for North Dakota pets:

Spot: Most Customizable Plans
Embrace: Best Deductibles
Healthy Paws: Best Coverage Limits
Fetch: Best Holistic Coverage
Figo: Best Extra Coverage Add-On
Wagmo: Best for Wellness


Best Overall

Lemonade Pros and Cons

Pros Gives a 10% discount when you bundle pet insurance with a homeowners or renters insurance plan Has a short 48-hour waiting period for accidents Donates your unclaimed premium money to the non-profit of your choice Cons Has an upper age limit for coverage, depending on your pet’s breed and location Excludes preventive dental care coverage in its standard plan

Lemonade Overview

Lemonade is the top provider on our list for its comprehensive coverage, affordable plans, and user-friendly, technology-based platform.

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

Learn more: Lemonade Pet Insurance Review

Why We Chose Lemonade

We scored Lemonade 96 out of 100 and deemed it the best overall pet insurance coverage. Lemonade impressed us with its customizable accident-and-illness plan and use of technology—users can easily manage their plans and submit claims via the mobile app. Additionally, Lemonade offers the most affordable plans of all the providers on this list.

You can add several wellness care options to your policy, including coverage for behavioral therapy, dental care, vet visits, physical therapy, and end-of-life services. Lemonade offers up to $100,000 in annual coverage, one of the most generous limits of several competitors.


Most Customizable Plans

Spot Pros and Cons

Pros Has a low $100 deductible option Includes 24/7 vet access via telehealth Offers a budget-friendly accident-only plan Cons Has less experience in the industry than other providers on this list Does not offer customer service on weekends

Spot Overview

Spot’s customizable plans earned it a top spot on our list. Spot offers both an accident-only and accident-and-illness plan and lets customers choose from seven annual limits—one being an unlimited option.

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

Get a quote: Fill out Spot’s online quote form.

Why We Chose Spot

Spot scored 91 out of 100 for its customizable, affordable coverage options, offering both an accident-and-illness and accident-only plan. You can choose from six annual limits (one being an unlimited option), five annual deductibles, and three reimbursement rates to tailor your premium to your budget.

Spot’s standard plan includes coverage for holistic therapies such as acupuncture, chiropractic care, and rehabilitative therapy, as well as for behavioral issues and microchip implantation. Although pet insurance providers will not cover preexisting conditions, Spot will cover a curable preexisting condition if your pet has gone 180 days without symptoms or treatment.

Spot may only have three years of experience in the pet insurance industry, but its underwriter, Crum & Forster Pet Insurance Group, has more than 16 years of experience.


Best Deductibles

Embrace Pros and Cons

Pros Covers vet visit costs for covered illnesses or injuries Offers a 10% multi-pet discount Provides 24/7 access to PawSupport pet telehealth Cons Caps coverage at $30,000 annually, which is lower than most competitors Has a six-month waiting period for orthopedic conditions

Embrace Overview

Embrace’s accident-and-illness policy comes with five pet insurance deductible options and a “Healthy Pet” vanishing deductible, knocking $50 off your deductible each year you don’t file a claim.

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

Learn more: Embrace Pet Insurance Review

Why We Chose Embrace

Embrace scored a 93.5 out of 100 for its five deductible options, a greater number than most competitors on our list. It also offers a “Healthy Pet” vanishing deductible. Each year you don’t file a claim for your pet, your deductible reduces by $50. If you have a healthy dog or cat, you could see your deductible reduce to $0. Embrace offers optional wellness coverage with 100% reimbursement (up to $250, $450, or $650 annually) for routine care such as vet visits, vaccinations, and blood tests.

Embrace’s accident-and-illness policy guarantees coverage for any injury or illness that is not preexisting. However, like Spot, Embrace will cover a curable preexisting condition once your pet has gone 12 months without recurring symptoms or treatments.

Healthy Paws

Best Coverage Limit

Healthy Paws Pros and Cons

Pros Has a speedy two-day claims process Provides a 30-day money-back guarantee Sponsors a homeless pet’s medical care with every quote inquiry Cons Has fewer deductible and reimbursement options than other providers Does not have a wellness plan option

Healthy Paws Overview

Healthy Paws offers a pet insurance plan with no per-incident, annual, or lifetime caps. Pet owners with this policy will never have to worry about running out of coverage, especially if they’ve submitted expensive claims.

  • Deductibles: $250 or $500
  • Reimbursement options: 70%, 80%, and 90% (depending on your pet’s age and breed)
  • Maximum coverage limits: Unlimited

Learn more: Healthy Paws Pet Insurance Review

Why We Chose Healthy Paws

Healthy Paws earned 93.5 out of 100 for its unlimited coverage for all policyholders, ensuring you will never run out of coverage. Healthy Paws’ accident-and-illness policy is a bit more expensive than its competitors; however, it is more affordable than other unlimited coverage options.

Healthy Paws offers one comprehensive accident-and-illness plan that covers emergency and specialist care as well as alternative treatments, such as chiropractic care, physical therapy, and massages. Further, Healthy Paws has a quick and easy claims process—you can submit claims via its mobile app, and they are often processed within 48 hours.

Fetch Pet Insurance

Best Holistic Coverage

Fetch Pet Insurance Pros and Cons

Pros Covers up to $1,000 for vet telehealth services Offers a wide variety of discount opportunities Includes comprehensive dental benefits, unlike many competitors Cons Has a 15-day waiting period for accidents and illnesses Does not offer a wellness option

Fetch Overview

Fetch Pet Insurance earned a spot on our list for its expansive holistic therapy coverage, including stem cell therapy, hydrotherapy, and chiropractic care.

  • Deductibles: $250, $300, and $400
  • Reimbursement options: 70%, 80%, and 90%
  • Maximum coverage limits: $5,000, $10,000, and $15,000

Learn more: Fetch Pet Insurance Review

Why We Chose Fetch Pet Insurance

Fetch Pet Insurance scored 91.5 out of 100 for its comprehensive holistic coverage in its standard accident-and-illness plan. Fetch covers alternative treatments, including acupuncture, stem cell therapy, homeotherapy, hydrotherapy, and chiropractic care. Additionally, it covers treatment for behavioral issues, such as aggression and separation anxiety. It also covers advertising and reward expenses for a lost pet, boarding fees, and vacation cancellation costs.

Fetch offers multiple 10% discounts, including the following:

  • AARP members
  • Pet parents of support, comfort, and therapy pets
  • Shelter and rescue adopters
  • Veterans and active military
  • Veterinarians and vet employees

Another way to save money with Fetch is with its “Healthy Pet” credit. Fetch will give pet owners 15% off their monthly premiums if they go one year without filing a claim.


Best Extra Coverage Add-On

Figo Pros and Cons

Pros Gives policyholders 24/7 access to a live vet through its Pet Cloud mobile app Has lower premiums for older pets than most competitors Has one of the shortest waiting periods for injuries Cons Adjusts deductible and reimbursement options based on your pet’s age Does not cover behavioral issues

Figo Overview

Figo impressed us with its 100% reimbursement option and unique Extra Care Pack add-on, which covers special circumstances, such as third-party property damage liability.

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

Learn more: Figo Pet Insurance Review

Why We Chose Figo

We scored Figo 93 out of 100 for its extensive add-ons to its three standard accident-and-illness plans:

  • Wellness: This add-on covers routine care treatments and services including bloodwork,  vaccinations, spay and neuter surgery, and flea, tick, and heartworm prevention.
  • Veterinary exams: This covers vet exam fees associated with diagnosing and treating an eligible illness or injury. It does not cover routine or preventive exams.
  • Extra care pack: This unique add-on covers the costs of circumstances outside your vet’s office, including vacation cancellation in case of a pet emergency, cremation and burial, lost pet advertising and rewards, pet theft, and up to $10,000 for third-party property damage caused by your pet.

Figo was developed to give pet parents a tech-savvy way to manage their pet insurance. Every policyholder has access to Figo’s Pet Cloud app, which helps you organize vet appointments, stores your pet’s medical records, and access a licensed veterinarian 24/7. It can also connect you with other local pet parents to coordinate puppy playdates and share photos of your furry friends.


Best for Wellness

Wagmo Pros and Cons

Pros Gives one free month of wellness coverage if you pay annually Has a 100% reimbursement option Offers three options for wellness coverage Cons Has a 30-day waiting period for cancer treatments Is more expensive than some other providers

Wagmo Overview

Wagmo is worth your consideration if wellness care is important to you. This is the only provider on our list offering a stand-alone wellness plan without purchasing a standard pet insurance policy. 

  • Deductibles: $250, $500, and $1,000
  • Reimbursement options: 90% or 100%
  • Maximum coverage limits: $10,000 per-incident cap; $20,000 annual cap; $100,000 lifetime cap

Get a quote: Fill out Wagmo’s online quote form.

Why We Chose Wagmo

Wagmo scored 90 out of 100. Unlike many providers, Wagmo offers a stand-alone wellness plan in addition to its accident-and-illness plan for emergencies. Its wellness coverage is available in three tiers, reimbursing up to $350, $650 or $1,100, so you can choose the level of health care your pet needs.

Wagmo also has higher reimbursement rates than most providers, offering either 90% or 100%. While your premiums will be higher with 100% reimbursement, you will also receive the full amount of your vet bills back. In addition, Wagmo covers up to $100,000 over your pet’s lifetime.

What Does Pet Insurance Cover and Not Cover?

Pet insurance coverage depends primarily on which plan you’ve chosen—accident-only or accident-and-illness—and if you’ve opted to include a wellness add-on to your base plan. Below, we break down the basic coverage of each: 

Pet insurance coverage depends primarily on which plan you’ve chosen—accident-only or accident-and-illness—and if you’ve opted to include a wellness add-on to your base plan. Below, we break down the basic coverage of each: 

Accident-only plan

An accident-only plan is the most basic, affordable coverage plan. However, it will not cover any of your pet’s illnesses. It does cover emergency care, diagnostics, hospitalization, surgery, and prescription medications relating to an eligible injury or accident.

Accident-and-illness plan

An accident-and-illness policy is more comprehensive, covering everything under the accident-only plan, plus any costs related to illnesses and health conditions. This includes conditions such as arthritis, allergies, cancer, chronic conditions, diabetes, genetic conditions, respiratory issues, and more.

Wellness add-on

Many pet insurance policies do not include preventive care in their standard plan. Wellness or routine care for your pet is considered an expected cost that a pet owner would incur, and pet insurance is meant to cover you for unexpected incidents. However, some providers offer wellness coverage as an add-on to your base plan at an additional monthly cost. Wellness add-ons typically cover routine services and treatments, including vaccinations, spay and neuter surgery, annual checkups, dental cleanings, and flea, tick, and heartworm prevention.

Like human health insurance, pet insurance policies come with exclusions. The most common exclusions among pet insurance providers are preexisting conditions. Preexisting conditions are any injuries, illnesses, or conditions of which your pet showed symptoms or with which it was diagnosed before your policy began. However, a handful of companies. Including Embrace, Spot, and Fetch, will cover curable preexisting conditions after a certain waiting period with no recurring symptoms.

In addition, pet insurance policies typically do not cover cosmetic or elective surgeries, costs related to breeding or pregnancy, grooming, boarding, or preventive care.

Is Pet Insurance in North Dakota Worth it?

Yes, in most cases, we’ve found that pet insurance is worth it in North Dakota due to the added security and peace of mind. With pet insurance, pet owners in North Dakota can have peace of mind that their beloved pets will receive proper care in an emergency, and it won’t completely throw off the budget. Lemonade is our choice for the best comprehensive and cost-effective coverage. 

If you are looking for more customizable coverage, Spot or Embrace might be better options. We recommend getting pet insurance quotes from at least three providers to find the best fit for your and your pet’s needs.

FAQs About North Dakota Pet Insurance

Is North Dakota pet insurance worth it?

North Dakota pet insurance is often worth it. Pet insurance is meant to keep pet owners from either experiencing financial distress due to veterinary costs or deciding to put their pet down for financial reasons. North Dakota pet insurance providers will reimburse anywhere from 70% to 100% of your vet costs, allowing you to focus on getting your furry family member the veterinary care it needs.

How much is pet insurance in North Dakota?

The cost of pet insurance premiums can vary based on several factors, including your pet’s species, breed, and age, as well as your location and the customization options you selected for your reimbursement rate, annual deductible, and annual limit. However, on average, North Dakota pet owners can anticipate paying between $20 and $40 for dog insurance and $10 and $25 for cat insurance.

Does pet insurance cover preexisting conditions?

Unfortunately, no pet insurance provider will cover a preexisting condition. A handful of providers, including Embrace and Spot, will make an exception for a curable preexisting condition—such as an infection or vomiting—as long as your pet has gone without symptoms or treatment for a specific waiting period.

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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