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Best Pet Insurance in Wyoming (2024 Guide)

Author Image Written by Brenda Woods Updated 06/27/2024

Wyoming is a beautiful state to raise a pet, with access to national landmarks such as Yellowstone National Park, Old Faithful, and Grand Teton Mountain. But before you head out for a hike or the park, make sure you have pet health insurance to cover expenses if your pet gets sick or injured.

We researched the best pet insurance companies to help you find the right match. Through our research, we’ve found that the best pet insurance provider in Wyoming is Spot for its unlimited coverage option and its multi-pet discounts.

This review compares the top providers in Wyoming on key factors, including plans, coverage details, and cost.
Why Trust Us? Our review and rating process for the best pet insurance companies
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Companies Considered We carefully considered 22 companies to find the best pet insurance providers available.
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Pet Owners Surveyed We surveyed 1,000 pet owners to see what they care about most when in comes to pet insurance.
3800
Reviews Analyzed We went through 3,800 customer reviews of pet insurance companies to see what people had to say about each provider.
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Policies Compared We compared 51 policies to find the best pet insurance offerings on the market.

How Do WY Pet Insurance Companies Compare?

Company Star Rating Monthly Cost for Dogs* Monthly Cost for Cats* Visit Site
4.6
$38.44 $21.53 VISIT SITE
4.7
$65.15 $53.43 VISIT SITE
4.7
$44.83 $24.68 VISIT SITE
4.6
$49.85 $26.55 VISIT SITE
4.7
$44.79 $16.36 VISIT SITE
4.5
$114.73 $57.19 VISIT SITE
4.5
$60.77 $37.93 VISIT SITE

Wyoming’s Top 7 Pet Insurance Providers

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

Spot

Most Customizable Plans
4.6

Spot Pros and Cons

Pros Doesn’t have an age limit to qualify Covers behavioral treatments and microchipping Includes a 30-day money-back guarantee Cons Has less experience than most competitors, with only two years in the industry Won’t cover knee or ligament issues if they occur before waiting period is up

Spot Overview

Spot ranks high on our list for its customizable pet insurance plans. The provider gives pet parents the option of two base plans, five deductibles, and seven annual limit choices. Its base plans also cover some treatments other providers don’t. 

  • 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

Learn more: Spot Review

Why We Chose Spot

We ranked Spot as the provider with the most customizable plans, earning 91 out of 100. We like that it offers an accident-only plan in addition to the typical accident-and-illness plan, which can save you money if you only want accident coverage. We also gave Spot points for its two preventive care options, which cover routine wellness care, and its many options for deductibles and annual limits.

Embrace

Best Deductibles
4.7

Embrace Pros and Cons

Pros Offers multiple discounts Paid 92% of claims in 2021, according to provider Has five deductible options Cons Rates increase as your pet ages Has an upper age limit of 14 years old

Embrace Overview

Embrace gives policyholders many ways to control what they spend. You can choose from five deductible options, plus receive a 10% discount for each additional pet policy you purchase, a 5% military discount, and a 10% employee discount if your employer offers Embrace. 

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

Learn more: Embrace Review

Why We Chose Embrace

We scored Embrace 93.5 out of 100. The company ranks highly for its discount offerings and customizable premiums. Embrace has a standard accident-and-illness plan, though it covers a few things some providers don’t, such as treatment for dental accidents and illnesses, pain management, and physical therapy. Preventive coverage is available as an add-on.

Healthy Paws

Best Coverage Limit
4.7

Healthy Paws Pros and Cons

Pros Processes most claims within two business days Provides unlimited annual and lifetime coverage Offers a 30-day money-back guarantee with each plan Cons Doesn’t offer wellness coverage Excludes coverage for hip dysplasia during the first year of the policy

Healthy Paws Overview

Healthy Paws offers unlimited coverage, so you never have to worry about exceeding a per-incident, annual, or lifetime payout. However, it doesn’t have as many choices for deductibles and reimbursement rates as other providers. 

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

Learn more: Healthy Paws Review

Why We Chose Healthy Paws

We gave Healthy Paws a 93.5 out of 100. It offers unlimited coverage and a comprehensive accident-and-illness plan with no upper age limit. Healthy Paws doesn’t offer preventive care coverage, but it claims to have fast reimbursement turnaround times (fewer than three business days from claim approval). It also donates generously to non-profit pet organizations.

Fetch Pet Insurance

Best Holistic Coverage
4.6

Fetch Pros and Cons

Pros Takes up to 15% off your premium each year you don’t file a claim Provides up to $1,000 of coverage for behavioral treatments Covers every tooth as well as breed-specific conditions Cons Doesn’t offer a preventive coverage option Requires a vet exam within six months of the policy’s start date to be eligible for coverage

Fetch Overview

Fetch Pet Insurance is a popular choice for pet parents who want alternative therapy coverage for their pets. The base plan reimburses acupuncture, chiropractic treatments, homeopathy, and therapy for your pet’s aggression and anxiety. Most providers only offer this coverage as an add-on for an extra monthly fee. 

  • Deductibles: $300, $500, $700
  • Reimbursement options: 70%, 80%, 90%
  • Maximum coverage limits: $5,000, $10,000, unlimited

Learn more: Fetch Review

Why We Chose Fetch

We scored Fetch 91.5 out of 100. Though the company doesn’t offer routine care coverage, its accident-and-illness plan is more comprehensive than many other providers. In addition to covering the holistic therapies mentioned above, 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 medical care requires you to reschedule a trip. Plus, the policy covers treatments for every tooth, not just your pet’s canine teeth.

Figo

Best Extra Coverage Add-On
4.7

Figo Pros and Cons

Pros Offers 100% reimbursement rate Has one-day waiting period for injury claims Has three levels for accident-and-illness coverage Cons Can only select or cancel add-on coverage at time of renewal Requires an annual vet and dental exam to remain eligible for coverage

Figo Overview

Figo offers multiple ways to customize your policy and premium, with three accident-and-illness coverage levels, three add-ons, and four deductible and reimbursement rate options. The provider says it will also cover many curable preexisting conditions if your pet has gone 12 months without showing symptoms or receiving treatment.

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

Learn more: Figo Review

Why We Chose Figo

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

Trupanion

Best for Direct Payments
4.5

Trupanion Pros and Cons

Pros Pays qualifying vet bills directly at checkout Offers unlimited coverage Has multiple add-on options for extra coverage Cons Offers no preventive care options Won’t cover exam fees

Trupanion Overview

Trupanion is the only pet insurance company on this list that pays its portion of your  vet bill directly at checkout. That means you won’t have to fill out any paperwork online or by mail and wait for reimbursement, which could take weeks.

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

Learn more: Trupanion Review

Why We Chose Trupanion

We scored Trupanion 89.5 out of 100. While direct payment and unlimited coverage are nice features, there’s no option for wellness coverage and the company doesn’t pay for exam fees. In addition to its accident-and-illness policy, Trupanion offers the following two options for extra coverage:

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

Wagmo

Best for Wellness
4.5

Wagmo Pros and Cons

Pros Has three wellness plan options Offers 10% multi-pet discount Has a 100% reimbursement rate option Cons Can take up to two weeks for reimbursement once claim is approved Has a 30-day waiting period for cancer claims

Wagmo Overview

Wagmo emphasizes preventive coverage. It has three wellness plan options for routine checkups, annual blood testing, flea and tick testing, vaccines, and other preventive treatments.

  • Deductibles: $250, $500, $1,000
  • Reimbursement options: 90%, 100%
  • Maximum coverage limits: Up to $20,000

Why We Chose Wagmo

Unlike most providers that only offer one or two wellness coverage options, Wagmo has three. It’s also unique in that you don’t have to purchase its base plan to get wellness coverage. You can purchase a wellness plan by itself.

Here’s what you can expect with each wellness option:

  • 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. This plan is $20 per month.
  • Classic Plan: The Classic Plan reimburses up to $650 per year for covered wellness costs. This includes one routine wellness exam, three vaccines, one round of routine blood work, one fecal test, and one urinalysis per year, 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 preventive expenses. This includes 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 91 out of 100.


How Much Does Pet Insurance Cost in Wyoming?

Pet insurance costs can vary based on several factors. Location is a primary factor, as rates vary state to state. Your pet’s age and breed also impact price. Expect to pay more for older pets or pets prone to certain conditions. The average monthly premium for dogs in Wyoming is $49 and $26 for cats. These rates are comparable to most nearby states. Read our review of cheapest pet insurance companies to see which providers offer the most affordable pricing. 

What Pet Insurance Does and Doesn’t Cover

Most accident-and-illness plans cover vet-recommended treatments, procedures, and emergency care for injuries and illnesses, as long as they’re not due to neglect. This includes accidents such as broken bones or swallowed objects, plus hereditary conditions, congenital conditions, cancer, diagnostic testing, hospitalization, prescription medications, surgeries, X-rays, blood tests, ultrasounds, and more. Some policies may include other conditions and varying amounts of dental or alternative coverage. 

Most accident-and-illness plans don’t cover treatments that aren’t medically necessary, such as annual checkups, vaccines, grooming, dental cleanings, flea and tick prevention, and other routine care. 

No pet insurer covers preexisting conditions, but some will consider covering conditions your pet hasn’t shown symptoms or received treatment for within a certain window of time prior to enrollment.


Is Pet Insurance in Wyoming Worth it?

Yes, in most cases, we’ve found that pet insurance is worth it in Wyoming due to the added security and peace of mind. Each provider in this review has attractive benefits. The right one depends on your priorities. Owners of older pets should consider Spot or Healthy Paws, which don’t have an upper age limit to qualify for coverage. Those interested in holistic therapy coverage should look into Fetch.

Carefully read each provider’s sample policy, which is typically located on its website, before making a decision. You should also look at customer reviews and get an online quote to see what your monthly payment will be.


FAQs About Wyoming Pet Insurance

What is the best pet insurance at a reasonable price?

Pet insurance premiums vary by state and ZIP code. Figo has the lowest monthly cost of the providers on this list, with Spot and Embrace not too far behind. Trupanion is the most expensive by a long shot, but getting your bills paid directly at checkout may be worth it to you.

The cheapest pet insurance doesn’t always mean the best coverage. Review each provider’s coverage details and exclusions to check if it covers the conditions your pet is prone to. Also, consider if it has the convenience, service, and veterinary care you want for your pet.

Is it worth insuring my dog?

Whether it’s worth insuring your dog depends on your budget and level of veterinary care you want. If your dog gets sick, breaks a leg, or needs surgery, you could end up with a vet bill of a few thousand dollars. Insurance may not be worth the monthly premium if you’re comfortable paying these expenses out of pocket. However, most pet owners aren’t prepared to unexpectedly spend that amount of money. A pet insurance policy provides peace of mind that you won’t be solely responsible for the bill if an accident or illness occurs. 

How does pet insurance work, and is it worth it?

Pet insurance doesn’t work that differently from human health insurance. Once you’ve selected a provider, you enroll in a plan and choose a deductible, reimbursement rate, and coverage limit. You’ll need to meet your deductible before your provider begins reimbursing you. They’ll stop reimbursing bills when you reach your annual coverage limit.

The difference between human and pet insurance is that human health insurance providers typically pay their portion of the bill at checkout. With pet insurance, you’ll pay the full cost of your vet bills up-front, file a claim online or by mail, then wait for reimbursement if and when the claim is approved. This can take a few days to several weeks.

Pet insurance may not be worth it if you’re prepared to pay hefty vet bills if they arise. Otherwise, it’s worth it to ensure your pet will receive care without being a financial burden.

How much should you spend on pet insurance for dogs?

That depends on your budget. Pet insurance for dogs typically costs $30–$45 per month in Wyoming. Just be sure to get the coverage you think you’ll actually use at a price you can afford. 

Learn more: Best Cheap Pet Insurance Providers


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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