Best Pet Insurance in Minnesota For 2024
Lemonade tops my list as the best pet insurance provider in Minnesota.
We’ve saved shoppers an average of $350 per year on their pet insurance.
After researching various pet insurance companies, I found Lemonade Pet Insurance to offer the best coverage across a range of situations in Minnesota.
In the following sections, we’ll examine top pet insurance choices in Minnesota and discuss how various factors can influence insurance costs.
Top Pet Insurance Companies In Minnesota, 2024
Compare The Best Pet Insurance Companies In Minnesota
| Overall Rating | Best For | Average Annual Cost for Dogs | Average Annual Cost for Cats | Coverage Waiting Period | Get A Quote | |
|---|---|---|---|---|---|---|
| Lemonade Pet Insurance |
|
Affordable Coverage |
$37 |
$18.41 |
2 days accidents and 14 days illnesses |
Instant Quote |
| Lemonade Pet Insurance |
|
Owners Of Young Pets |
$37 |
$18.41 |
2 days accidents and 14 days illnesses |
Instant Quote |
| ASPCA |
|
New Pets Owners |
$84 |
$38.67 |
Immediately for preventive care and 14 days for accidents and illnesses |
Instant Quote |
| Embrace |
|
Cat Ownerss |
$49 |
$20.44 |
48 hours for accidents and 14 days for illnesses |
Instant Quote |
| Lemonade Pet Insurance |
|
Overall Coverage |
$37 |
$18.41 |
2 days accidents and 14 days illnesses |
Instant Quote |
| Pets Best |
|
Owners Of Multiple Pets |
$43 |
$29.54 |
3 days accidents and 14 days illnesses |
Instant Quote |
Best Pet Insurance Companies In Minnesota 2024
Best Overall Coverage
Key Statistics
Why We Like Them
⇅The best pet insurance in a region is judged by factors like cost, customer service, and claim processing speed. In Minnesota, Lemonade Pet Insurance came out on top, offering affordable monthly rates of $18.41 for cats and $35.18 for dogs. Pet parents also lauded Lemonade’s exceptional customer care and their dedication to pets.
Benefits & Drawbacks
⇅- Two-day period following an accident for processing
- Superior claims processing cell
- You have access to a wide array of discounts.
- Monthly fees contribute to nonprofit funding. ✓
- Age eligibility varies for enrollment in specific pet breeds.
- Guidelines aren't accessible in all states.
- Pet insurance costs vary based on the pet owner's credit score and claims history. ✘
Best Affordable Coverage
Key Statistics
Why We Like Them
⇅Pet owners often think insurance is too expensive, but Lemonade Pet Insurance proves it can be affordable. With rates averaging $18.41 for cats and $35.18 for dogs, Lemonade offers great coverage. They also offer discounts, including bundling, which can reduce costs by 15%, and their mobile app makes policy management simple.
Benefits & Drawbacks
⇅- A 2-day wait period for accident claims.
- Claims are handled with greater speed than our main competitors.
- A range of discounts is available to you.
- Part of your premium helps support charitable groups. ✓
- After hitting a certain age, insurance coverage for some pet breeds could end.
- Coverage limitations vary by state.
- The pet owner's insurance rates are impacted by their credit history and claims made. ✘
Cheapest Rates For Owners Of Young Pets
Key Statistics
Why We Like Them
⇅Adopting a young pet is exciting, but the responsibilities that come with a new kitten or puppy can feel overwhelming. Along with training, choosing a pet insurance provider that simplifies coverage management is key. Lemonade Pet Insurance offers affordable premiums and a highly-rated mobile app, backed by great customer service. With average rates of $18.14 for cats and $35.18 for dogs, Lemonade is a top choice for pet owners with young pets.
Benefits & Drawbacks
⇅- Policyholders have a short 2-day waiting period for pet injury coverage.
- Claims are processed rapidly.
- Policyholders have access to an extensive range of discounts.
- Some of the policyholder's premium goes towards supporting nonprofit efforts. ✓
- After reaching a certain age, insurance ceases for certain pet breeds.
- The coverage does not include every state in the nation.
- Insurance rates are assessed considering the pet owner's credit score and claims filed. ✘
Cheapest Rates For New Pet Owners
Key Statistics
Why We Like Them
⇅New pet owners should look for an insurance provider with a strong reputation, like ASPCA. While their premiums are higher—averaging $38.67 for cats and $83.30 for dogs—ASPCA offers valuable benefits. There are no age restrictions, so senior pets can get insured, and they cover behavioral and alternative therapies, which can be beneficial for specific dog breeds.
Benefits & Drawbacks
⇅- Included in the plan are alternative therapies, behavioral challenges, and congenital conditions.
- A 14-day waiting period follows cruciate injuries.
- Access our around-the-clock telehealth service for vet consultations.
- Ordinary policies cover vet clinic visit fees for sickness and accidents. ✓
- You can only get unlimited annual coverage by consulting an agent.
- You have only a small selection of deductible options. ✘
Cheapest Rates For Cat Owners
Key Statistics
Why We Like Them
⇅If you’re a Minnesota cat owner, Embrace Pet Insurance offers affordable policies, averaging $20.44 per month. They give back to the community by donating $2 to charity for every policy sold. Embrace is also a trusted partner of insurance providers like USAA, Allstate, and GEICO.
Benefits & Drawbacks
⇅- Policy options are available at affordable rates.
- Many standard policies encompass protection for treatable pre-existing medical conditions.
- Skip the wait for orthopedic care by obtaining a vet's assessment for your pet. ✓
- Only accident policies apply to pets aged 14 years and above.
- Standard policies do not offer supplementary benefits. ✘
Cheapest Rates For Multiple Pets
Key Statistics
Why We Like Them
⇅Owning multiple pets can increase your costs for essentials, but it could reduce your pet insurance bill. Many insurers, including Pets Best, offer multi-pet discounts. Their monthly premiums are affordable, averaging $29.54 for cats and $41.39 for dogs. Pets Best also offers benefits like a 24/7 vet helpline and coverage for disabled animals or those needing prosthetics.
Benefits & Drawbacks
⇅- We insure pets that need wheelchairs or prosthetics.
- Veterinary assistance is accessible through the 24/7 vet healthline.
- A three-day wait is required before accident coverage starts.
- Customize your accident and illness coverage with flexible options. ✓
- In comparison with competitors, claims are processed more slowly.
- You can only make policy changes at the time of renewal. ✘
Average Cost of Pet Health Insurance In Minnesota— By Cat Breed
| Cat Breed | Average Monthly Cost |
| Domestic Shorthair | $18 |
| Sphynx | $19 |
| Siamese | $23 |
| Maine Coon | $26 |
Average Cost of Pet Health Insurance In Minnesota— By Dog Breed
| Dog Breed | Average Monthly Cost |
| Affenpinscher | $19 |
| Labradoodle | $37 |
| Greyhound | $63 |
| Bernese Mountain Dog | $85 |
Average Cost of Pet Health Insurance In Minnesota— Accidental-Only Plan
| Insurance Provider | Average Monthly Cost for Accident-Only Coverage |
| Lemonade | $29 |
| Pets Best | $31 |
| TrustedPals | $36 |
| Figo | $42 |
| ASPCA Pet Health Insurance | $54 |
Average Cost of Pet Health Insurance In Minnesota— Comprehensive Coverage
| Insurance Provider | Average Monthly Cost for Comprehensive Coverage |
| ManyPets | $35 |
| Pets Best | $37 |
| Lemonade | $45 |
| Trusted Pals | $50 |
| Healthy Paws | $52 |
How To Buy Pet Insurance In Minnesota
Using Insuranceopedia makes obtaining pet insurance a streamlined process
Make sure to assemble all essential information before starting, such as your pet’s type, breed, age, health history, and any documentation concerning their lineage.
Select the coverage amount and deductible that best serve your pet’s needs.
Seek and compare quotes from at least three separate pet insurance providers to choose the best policy.
Obtain and purchase the insurance policy, then update your veterinarian on your new coverage.
Largest Pet Insurance Companies In The United States
| Pet Insurance Company | Estimated Market Share Percentage |
| Trupanion | 30% |
| Nationwide Mutual Insurance Company | 19% |
| Embrace Insurance | 9% |
| Fetch by the Dodo | 8% |
| Pets Best Insurance | 2.4% |
| Hartville Group Inc. | 1.4% |
| MetLife Insurance | 1.4% |
| Petsecure | 1.3% |
| Healthy Paws Insurance | .73% |
| Pumpkin Insurance | .48% |
Pet Insurance Discounts In Minnesota
Much like health insurance, the price of pet insurance in Minnesota can depend on your location. To reduce your costs, consider looking into various discounts. Discount availability may vary by provider, but you could benefit from:
- Employer-related discounts
- Discounts for multiple pets
- Union discounts
- Discounts through special interest or wholesale clubs
- Multi-policy discounts
- Discounts for military personnel, both active and retired
- Senior discounts
- Online purchase discounts
- Discounts for animal care workers
- Discounts for service animals
Factors That Impact the Cost Of Your Pet Insurance Policy In Minnesota
It’s a common mistake to think that only one or two factors determine your pet’s insurance cost. Several factors influence the price, including:
- Type of Pet
- Breed
- Age
- Type of Insurance
- Location
Type of Pet: The kind of pet you own affects your monthly insurance cost. Dog owners typically face premiums 2-3 times higher than cat owners due to dogs’ increased outdoor exposure.
Breed: Your pet’s breed also impacts insurance costs. Certain breeds, such as boxers and bulldogs, have higher premiums due to their predisposition to specific health issues, though most breeds do not significantly affect costs.
Age: Age is an important factor in determining insurance rates. Some insurers offer competitive rates regardless of age, while others may not cover older pets. It’s crucial to explore various options for senior pets.
Insurance Type: When purchasing pet insurance, you usually choose between accident-only or accident and illness coverage. Comprehensive plans provide broader protection but come at a higher cost. Evaluate if the extra coverage is worth the expense.
Location: Regional differences can also affect insurance premiums. While differences between cities are usually minor, some areas may have higher premiums due to a higher frequency of claims.
How To Find The Best Pet Insurance Company For You
Securing a pet insurance plan is akin to getting health or life insurance. It’s vital to compare rates and coverage, but first, you need to understand the essential aspects of a pet insurance policy. Most pet insurance providers offer either accident-only coverage or more comprehensive plans that include both accidents and illnesses.
Accident-only plans are generally suited for younger pets, while comprehensive plans are preferable for breeds with higher health risks. Another important consideration is the waiting period, which varies between insurers for accidents and illnesses.
Our Methodology
To find the best-priced pet insurance plans in Minnesota, we conducted a thorough examination of data from various providers. Additionally, our team of insurance professionals, with a cumulative experience of over 20 years, contributed valuable insights. It's worth noting that while the rates presented in this guide are current, premiums can change daily and may vary depending on factors such as your pet's age and breed.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Do all licensed veterinarian take pet insurance in Minnesota?
All veterinary clinics in Minnesota work with pet health insurance, operating under the principle that pet owners pay for the medical bills upfront and later receive reimbursement from the insurer.
How much is pet insurance in Minnesota?
Similar to the trend observed nationwide, insurance premiums for cats in Minnesota are usually lower than for dogs. Cat insurance typically costs $27.56 monthly, while dog insurance averages $48.81.
Do I legally have to insure my pet in Minnesota?
Insuring your pets is a sensible choice, but keep in mind that Minnesota does not require you to have insurance for your dog or cat by law.
