Best Pet Insurance In Wisconsin For November, 2024
Lemonade Pet Insurance stands as my top pick for Wisconsin’s finest pet insurance provider.
We’ve saved shoppers an average of $350 per year on their pet insurance.
Our team of pet insurance experts delved into 36 quotes from 21 pet insurance providers to uncover the best coverage for various needs. When it comes to pet insurance in Wisconsin, Lemonade Pet Insurance shines as the undisputed champion. Not only do they offer top-notch overall coverage, but they also take the crown for affordability, especially for pet parents with young animals.
Yet, let’s not overlook three other noteworthy contenders in this area: ASPCA, Embrace, and Pets Best Pet Insurance, each excelling in their own specialized categories.
In the upcoming sections, we’ll dissect some of the top pet insurance options in Wisconsin and unravel how various factors can affect your premiums.
Best Pet Insurance Companies In Wisconsin, 2024
Compare The Best Pet Insurance Companies In Wisconsin
| Overall Rating | Average Annual Cost for Cats | Coverage Waiting Period | Best For | Average Annual Cost for Dogs | Get A Quote | |
|---|---|---|---|---|---|---|
| Lemonade Pet Insurance |
|
$18.41 |
2 days accidents and 14 days illnesses |
Affordable Coverage |
$35.18 |
Instant Quote |
| Lemonade Pet Insurance |
|
$18.41 |
2 days accidents and 14 days illnesses |
Owners Of Young Pets |
$35.18 |
Instant Quote |
| Pets Best |
|
$29.54 |
3 days for accidents and 14 days for illnesses |
Owners Of Multiple Pets |
$41.39 |
Instant Quote |
| ASPCA |
|
$38.67 |
Immediately for preventive care and 14 days for accidents and illnesses |
New Pet Owners |
$83.30 |
Instant Quote |
| Embrace |
|
$20.44 |
48 hours for accidents and 14 days for illnesses |
Cat Owners |
$48.25 |
Instant Quote |
| Lemonade Pet Insurance |
|
$18.41 |
2 days accidents and 14 days illnesses |
Overall Coverage |
$35.18 |
Instant Quote |
Our Methodology
To find the most affordable pet insurance rates in Wisconsin, our team embarked on a thorough analysis of data from various pet insurance providers across the state. We also harnessed the collective expertise of our seasoned insurance professionals, who boast a remarkable twenty-five years of industry experience, to meticulously assess each carrier.
However, it's crucial to bear in mind that while the rates presented in this guide are accurate as of now, pet insurance premiums are as dynamic as Wisconsin's desert landscape. They can shift daily and are subject to variations based on factors such as your pet's age or breed.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
Pet Insurance Company Reviews
Best Overall Coverage
Key Statistics
Why We Like Them
⇅Several factors contribute to a pet insurance company’s excellence, including affordability, customer service quality, and the speed of processing claims. In Wisconsin, Lemonade Pet Insurance emerged as the standout performer across most categories. They offer budget-friendly monthly coverage at just $18.41 for cats and $35.18 for dogs.
In addition to their wallet-friendly rates, Lemonade also garnered high praise from Wisconsin pet owners for delivering a top-notch customer service experience. Their team members genuinely care about animals, and it shines through in the exceptional service they extend to policyholders.
Benefits & Drawbacks
⇅- Quick 2-day waiting period for accident coverage
- Exceptional claims processing department leading the industry
- A plethora of discounts on offer
- A portion of your monthly premiums contributes to nonprofits ✓
- Age restrictions for enrollment may apply to specific pet breeds
- Policies are not accessible in all states
- Insurance rates take into account pet owner credit and claims history ✘
Cheapest Rates For Owners Of Multiple Pets
Key Statistics
Why We Like Them
⇅When you’re a proud owner of multiple pets, it can mean more expenses on food and toys, but it can also bring some perks when it comes to pet insurance. Many pet insurance companies, like Pets Best, offer enticing discounts for policies covering multiple animals.
But that’s not all – Pets Best sweetens the deal with budget-friendly monthly premiums, clocking in at an average of $29.54 for cat insurance and $41.39 for dog insurance.
Pets Best goes the extra mile for their policyholders, providing a host of benefits. You’ll have access to a 24/7 vet helpline for those unexpected emergencies, and they even extend coverage to animals with disabilities or those in need of specialized prosthetic devices.
Benefits & Drawbacks
⇅- Coverage extends to pets requiring wheelchairs or prosthetic devices
- Access to 24/7 veterinary assistance via the vet healthline
- Only a 3-day waiting period for accident coverage
- Flexible coverage choices for accident and illness policies ✓
- Claims processing tends to be less prompt compared to other competitors
- Policy modifications can only be made during the renewal period ✘
Cheapest Rates For Owners Of Young Pets
Key Statistics
Why We Like Them
⇅Many folks choose to bring home young pets, providing them the opportunity to grow alongside their new families. While the arrival of a kitten or puppy is brimming with excitement, it can also usher in a slew of new responsibilities that might seem a tad overwhelming at first. In addition to imparting proper training, it’s essential to partner with a pet insurance provider that simplifies the process of securing and managing coverage.
Enter Lemonade Pet Insurance, a harmonious blend of affordability and user-friendly features. With a stellar mobile app and a customer service team that sets industry standards, Lemonade offers attractive average rates of just $18.14 for cats and $35.18 for dogs.
For those caring for young pets, Lemonade Pet Insurance stands as the unrivaled choice.
Benefits & Drawbacks
⇅- Policyholders enjoy a mere 2-day waiting period for pet injury coverage
- Lightning-fast claims processing turnaround times
- A wide array of available discounts
- The company contributes a portion of policyholder premiums to nonprofits ✓
- Certain pet breeds become ineligible for coverage once they reach a certain age
- Coverage is not available in all 50 states
- Insurance rates take into consideration pet owner credit and claims history ✘
Cheapest Rates For New Pet Owners
Key Statistics
Why We Like Them
⇅For those who are fresh to pet ownership, having a reliable pet insurance provider like ASPCA, which boasts a strong track record of championing animal health, holds significant importance.
While ASPCA does come with slightly higher average premiums—around $38.67 for cat insurance and $83.30 for dog insurance—their numerous advantages more than compensate for the added cost. Notably, ASPCA doesn’t impose an age limit, making coverage available to senior pets, irrespective of their age.
Furthermore, ASPCA extends additional coverage options for behavioral concerns and alternative therapies, which can be particularly advantageous for certain dog breeds.
Benefits & Drawbacks
⇅- Coverage includes a range of items such as alternative therapies, behavioral issues, and congenital conditions
- Only a 14-day waiting period for cruciate injuries
- Access to a 24/7 telehealth vet line
- Vet clinic visit fees for illnesses and accidents are covered under standard policies ✓
- Unlimited annual coverage can only be obtained through an agent
- Limited choices for deductible options ✘
Best Affordable Coverage
Key Statistics
Why We Like Them
⇅Lots of pet parents aim to safeguard their beloved furry companions, but the misconception lingers that insurance comes with a hefty price tag. Yet, Lemonade Pet Insurance boldly challenges this notion, showing that pet protection doesn’t have to drain your wallet. On average, cat owners typically shell out a modest $18.41, while dog guardians pay an affordable sum of approximately $35.18.
In their commitment to making coverage accessible, Lemonade Pet Insurance presents a range of discounts, including enticing bundling options that can trim costs by a substantial 15%. They also sweeten the deal with a user-friendly mobile app, making it a breeze to manage your existing policies with ease.
Benefits & Drawbacks
⇅- Speedy 2-day waiting period for accidents
- Claims processing surpasses other major competitors in terms of speed
- Abundance of available discounts
- A portion of policyholder premiums is donated to nonprofits ✓
- Some pet breeds lose coverage after reaching a certain age
- Coverage limitations tied to your state of residence
- Insurance rates take into consideration pet owner credit and claims history ✘
Cheapest Rates For Cat Owners
Key Statistics
Why We Like Them
⇅If you’re a cat owner in Wisconsin on the hunt for top-notch policies to protect your feline friend, Embrace Pet Insurance is a compelling choice. They present cat insurance at pocket-friendly rates, averaging just $20.44 per month.
What sets Embrace apart is their commitment to giving back. For every policy they sell, they make a generous $2 donation, going the extra mile to support local charities.
Moreover, Embrace Pet Insurance has earned the trust of major car and home insurance providers such as USAA, Allstate, and GEICO, making them a preferred partner in safeguarding your beloved pets.
Benefits & Drawbacks
⇅- Affordable policy choices available
- Most standard policies encompass coverage for treatable pre-existing conditions
- Pet owners with animals requiring orthopedic care can bypass waiting periods with a vet exam ✓
- Senior pets aged 14 or above are eligible only for accident-only policies
- Supplemental coverage is not included in standard policies ✘
How To Find The Best Pet Insurance Company For You
Getting pet insurance is key to securing health or life insurance for yourself. It’s vital to compare rates, but before diving in, it’s crucial to understand what aspects to scrutinize in a pet insurance policy.
For instance, most companies offer two main types of plans: accident-only coverage and comprehensive accident and forgiveness plans. Both have their advantages and suit different scenarios.
Accident-only coverage often suits younger pets less prone to age-related illnesses, while breeds at a higher risk benefit more from comprehensive plans.
Another factor to weigh is the waiting period’s duration. Each pet insurance company sets its own waiting periods for accidents and illnesses, so it’s vital to determine what aligns best with your pet’s health needs.
Average Cost Of Pet Insurance In Wisconsin
Average Cost In Wisconsin — By Dog Breed
| Dog Breed | Average Monthly Cost |
| Affenpinscher | $18 |
| Labradoodle | $34 |
| Greyhound | $60 |
| Newfoundland | $82 |
Average Cost In Wisconsin — By Cat Breed
| Cat Breed | Average Monthly Cost |
| Domestic Shorthair | $14 |
| Sphynx | $14 |
| Siamese | $18 |
| Maine Coon | $23 |
Average Cost In Wisconsin — Accidental-Only Coverage
| Insurance Provider | Average Monthly Cost for Accident-Only Coverage |
| Lemonade | $26 |
| Pets Best | $31 |
| TrustedPals | $32 |
| Figo | $43 |
| ASPCA | $52 |
Average Cost In Wisconsin — Comprehensive Coverage
| Insurance Provider | Average Monthly Cost for Comprehensive Coverage |
| ManyPets | $34 |
| Pets Best | $36 |
| Lemonade | $44 |
| Trusted Pals | $46 |
| Healthy Paws | $53 |
Largest Pet Insurance Companies In The United States
| Company Name | Estimated Market Share Percentage |
| Trupanion | 30% |
| Nationwide Mutual Insurance Company | 19% |
| Embrace Pet Insurance | 9% |
| Fetch by the Dodo | 8% |
| Pets Best Insurance | 2.4% |
| Hartville Group Inc. | 1.4% |
| MetLife Pet Insurance | 1.4% |
| Petsecure | 1.3% |
| Healthy Paws Pet Insurance | .73% |
| Pumpkin Pet Insurance | .48% |
How To Buy Pet Insurance Online In Wisconsin
Buying pet insurance is a straightforward endeavor, especially when using a platform like Insuranceopedia. Nonetheless, there are some essential steps you can take beforehand and throughout the application process.
Here are four key steps to consider when buying pet insurance:
Step 1: Gather all vital information in advance (e.g., pet type, breed, age, medical history, and any documentation related to your pet’s lineage).
Step 2: Determine the desired coverage amount and deductible for your pet.
Step 3: Compare quotes from at least three different pet insurance providers.
Step 4: Finalize your policy purchase and inform your veterinarian about your new coverage.
Factors That Impact Cost Of Your Pet Insurance Policy In Wisconsin
Many pet owners assume the monthly premium for their pet’s coverage is tied to one or two factors. However, several elements go into establishing a rate for pet insurance. These pricing components include:
- Animal Type
- Breed
- Age
- Insurance Type
- Location
Animal Type:
When it comes time to purchase your pet insurance policy, the type of pet you own will be a significant factor in calculating your monthly payments. On average, dog owners pay 2-3 times more for coverage compared to cat owners due to the higher likelihood of dogs being exposed to outdoor risks.
Breed:
Similar to the category of the animal type, the specific breed of your pet also plays a role in your pet health insurance cost. While many dog breeds have similar premium rates, some are deemed higher risk. For instance, breeds like boxers and bulldogs have a known history of sinus and skin issues, leading to higher monthly premiums.
Age:
Your pet’s age is another crucial factor impacting the quotes you receive from pet insurance providers. While some insurers maintain consistent pricing regardless of age, others may decline coverage for older pets. If you are a pet owner of a senior furry friend, it’s essential to explore different options for pricing.
Insurance Type:
When acquiring your pet insurance policy, you’ll typically encounter two primary choices: accident-only or accident and illness coverage. Both options offer protection for your pet, but comprehensive policies usually come with higher costs. It’s important to weigh whether the additional coverage justifies the increased monthly expenses.
Location:
Regional considerations also come into play for many pet insurance companies when evaluating coverage costs. While there’s typically not a substantial difference in premiums between different cities, certain state regions may be regarded as higher risk due to a greater frequency of claims.
Pet Insurance Discounts In Wisconsin
Just like health insurance for humans, pet insurance in Wisconsin can vary in cost. If you want to reduce the expense, consider discounts. While not all pet insurance companies offer the same discounts, it’s worth checking out these options:
- Employer-sponsored discounts
- Multi-pet discount
- Employee union discounts
- Wholesale and special interest clubs discounts
- Multi-policy discount
- Active and retired military discounts
- Senior discounts
- Online policy discounts
- Animal care employee discounts
- Special service animal discounts
Wisconsin Pet Insurance Laws To Know
While Wisconsin doesn’t require pet insurance for pet owners, there exist various laws and legislations aimed at safeguarding both animals and their human companions. A notable example is a recent House Bill that made its way into law, addressing the role of a dog’s breed in determining homeowners’ and renters’ insurance.
In the past, insurance companies had the authority to decline coverage, cancel existing policies, or levy higher monthly premiums solely based on a pet’s breed. However, the enactment of House Bill 2323 has changed the landscape, making it unlawful for insurance companies to discriminate based on a dog’s breed or physical appearance. This signifies a significant stride in ensuring equity and protection for pet owners in the state.
Information About Wisconsin
Wisconsin is known for its Native American history and beautiful natural scenery. The state has cultural sites where you can learn about Native American traditions.
Wisconsin’s landscape is also impressive. You can visit places like the Great Lakes, forests, and scenic countryside. Whether you’re by Lake Michigan, hiking in the woods, or exploring Door County, there are plenty of ways to enjoy the state’s natural beauty.
FAQs
Do all vets take pet insurance in Wisconsin?
Every veterinary clinic in Wisconsin welcomes pet health insurance. This is because the pet owner initially pays for the medical expenses and then gets reimbursed by the pet insurance company.
Do I legally have to insure my pet in Wisconsin?
While it’s a good idea to have pet insurance for your furry friends, it’s not mandatory by law to insure your dog or cat in Wisconsin.
How much is pet insurance in Wisconsin?
As is the case across the country, cat owners in Wisconsin pay lower premiums compared to dog owners. On average, cat insurance in Wisconsin comes with a monthly premium of $27.56, while dog insurance tends to cost around $48.81 per month.
