Best Pet Insurance in South Dakota (2024 Guide)

Spot is a leading choice for pet insurance because it offers customizable plans and monthly premiums. Customers can choose between two plans, two preventive care add-ons, five deductibles, and seven annual limits. 

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

Learn more: Spot Pet Insurance Review

Spot’s many plans and monthly premium options make it our vote for most customizable, with a score of 91 out of 100. Unlike many other insurers, it offers both an accident-only policy and an accident-and-illness plan. It also has add-ons for routine preventive care and covers behavioral treatments and microchipping in its base plan.

Embrace offers five deductible options plus a 10% discount for each additional pet policy you purchase, a 5% military and veterans discount, and a 10% employee discount if your employer offers Embrace. You have more control over your monthly premium with multiple ways to save money. 

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

Learn more: Embrace Pet Insurance Review

Embrace’s accident-and-illness plan is comparable to other providers, though it covers some less commonly reimbursed circumstances such as dental accidents and illnesses, pain management, and physical therapy. You can add preventive coverage by enrolling in Embrace’s wellness rewards program. The provider promises an easy, fast claims process. Its claims team is made up of licensed veterinary professionals and fellow pet parents. These reasons and others earned Embrace a score of 93.5 out of 100.

Figo closes most claims within three business days, provides 24/7 telehealth access with a licensed vet, and has a one-day waiting period for accident claims. Plus, it has three options for additional coverage. Figo requires an annual vet exam and dental exam to continue coverage.

• Deductibles:  $100, $250, $500, $750, $1,000, $1,500 (can vary depending on your pet’s age and breed)
• Reimbursement options: 70%, 80%, 90%, 100%
• Annual coverage limits: $5,000, $10,000, unlimited

Learn more: Figo Pet Insurance Review

We scored Figo 93 out of 100. Its competitive edge is its options for extra coverage. In addition to an accident-and-illness base plan, you can choose from three add-ons, which Figo calls “powerups.” There’s one for routine wellness coverage, one for vet exam fees, and one that covers fees related to vacation cancellation, lost pets, and property damage.

Fetch may be a good match if your pet has behavioral issues or you want to try alternative therapies. It reimburses holistic treatments such as acupuncture, chiropractic adjustments, and homeopathy. You can also get therapy for your pet’s anxiety or aggression. 

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

Learn more: Fetch Pet Insurance Review

Though Fetch doesn’t offer preventive care coverage, its base accident-and-illness policy is more comprehensive than many other providers. In addition to holistic therapy treatments, it provides up to $1,000 for lost-pet advertising and reward money, boarding fees if you’re hospitalized for more than four days, and vacation cancellation fees if your pet’s necessary medical care requires you to reschedule a trip. Fetch also covers all of your pet’s teeth, not just canine teeth like other providers. This earned the company 91.5 out of 100 in our review.

Wagmo is worth considering for pet parents interested in preventive care coverage for services such as annual checkups, vaccines, and flea/tick/heartworm prevention. It offers three wellness care options—more than many providers—and allows you to purchase a wellness plan without base coverage.

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

While Wagmo has a standard accident-and-illness plan, it stands out in that you can purchase a wellness plan alone. Most providers offer preventive care as an add-on you can combine with your base plan. Wagmo treats wellness coverage as its own plan, a great option if you only want reimbursement for routine wellness needs. It has three options for wellness coverage, each with a different cost and coverage level.

You can choose between the following plans:

• Value Plan: The Value Plan reimburses up to $350 per year for covered expenses. This includes one routine wellness exam, two vaccines, one round of routine blood work, and one fecal test annually. The plan costs $20 per month.
• Classic Plan: The Classic Plan reimburses up to $650 per year for one routine wellness exam, three vaccines, one round of routine blood work, one fecal test, and one urinalysis, plus $100 for flea/tick/heartworm medication and $100 for grooming. This plan costs $36 per month.
• Deluxe Plan: The Deluxe Plan reimburses up to $1,100 for covered expenses, including two routine wellness exams, four vaccines, one round of routine blood work, one fecal test, and one urinalysis annually, plus $200 for flea/tick/heartworm medication, $200 for grooming, and $100 for dental care. This plan costs $59 per month.

Wagmo’s options for routine coverage earned it a 90 out of 100.

An attractive feature of Trupanion is that it allows you to skip the claims process. Instead, the company will reimburse you directly at checkout as long as your veterinary clinic has the proper technology. This means no waiting around for money you may need in your pocket.

• Deductibles: Customers select a per-condition deductible between $0 and $1,000 (in $5 increments)
• Reimbursement options: 90%
• Annual coverage limits: Unlimited

Learn more: Trupanion Pet Insurance Review

We gave Trupanion a score of 89.5 out of 100. While direct payment and unlimited coverage are nice features, it has no option for wellness coverage and doesn’t reimburse exam fees. However, it offers two options for extra coverage in addition to its accident-and-illness policy:

• Recovery and Complementary Care Rider: Get coverage for acupuncture, behavioral modification, chiropractic care, homeopathy, hydrotherapy, naturopathy, physical therapy, and rehabilitative therapy.
• Pet Owner Assistance Package: This package includes coverage for lost-pet advertising and reward costs, boarding fees if you’re hospitalized, third-party property damage your pet causes, cremation or burial for accidental deaths, and vacation cancellation costs.