Enrolling in pet insurance is a big decision. There are many pet insurance companies out there, and you likely have questions about coverage. Below, we’ll discuss the cost of pet insurance in Wisconsin, including monthly premiums and any out-of-pocket costs you may incur.
We pulled quotes from two major pet insurance companies, ASPCA and Embrace, to provide you with a price range. Monthly premiums for cats range from $7.50 to $61.49. For dogs, monthly premiums are between $23.31 and $205.98.
The Importance of Pet Insurance
Pet insurance helps cover the cost of vet treatment if your pet is injured in an accident or gets sick. Having pet insurance allows you to access care that you may not otherwise be able to afford.
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How Much Does Pet Insurance Cost in Wisconsin?
We’ve pulled together quotes from two companies to give you an idea of how much pet insurance costs throughout Wisconsin. Your pet insurance premiums may vary based on your pet’s breed, age, and location.
Most pet insurance companies allow you to choose your reimbursement percentage, annual deductible, and annual coverage amount independently of each other. These options will also affect your monthly premium.
The quotes below are for each company’s illness and injury plans. Wellness plans that cover preventative care, like wellness exams and vaccinations, are extra.
| ASPCA Pet Health Insurance | |||||
| Pet | City | Annual Limit | Reimbursement | Annual Deductible |
Monthly Premium |
| Labrador retriever, Female, 8 weeks old | Rice Lake | $10,000 | 90% | $100 | $86.56 |
| $5,000 | 80% | $250 | $43.25 | ||
| $3,000 | 70% | $500 | $25.17 | ||
| French bulldog, Male, 5 years old | Milwaukee | $10,000 | 90% | $100 | $205.98 |
| $5,000 | 80% | $250 | $102.92 | ||
| $3,000 | 70% | $500 | $59.91 | ||
| Domestic shorthair cat, Female, 1 year old | Madison | $10,000 | 90% | $100 | $47.19 |
| $5,000 | 80% | $250 | $21.38 | ||
| $3,000 | 70% | $500 | $12.66 | ||
| Siamese cat, Male, 3 years old | Superior | $10,000 | 90% | $100 | $32.59 |
| $5,000 | 80% | $250 | $14.77 | ||
| $3,000 | 70% | $500 | $8.74 | ||
| Embrace Pet Insurance | |||||
| Pet | City | Annual Limit | Reimbursement | Annual Deductible |
Monthly Premium |
| German shepherd, male, under 1 year old | Eau Claire | $30,000 | 90% | $200 | $95.23 |
| $10,000 | 80% | $500 | $59.09 | ||
| $5,000 | 70% | $1,000 | $33.01 | ||
| Pug, female, 3 years old | Green Bay | $30,000 | 90% | $200 | $67.26 |
| $10,000 | 80% | $500 | $41.73 | ||
| $5,000 | 70% | $1,000 | $23.31 | ||
| Tabby cat, female, under 1 year old | Beloit | $30,000 | 90% | $200 | $21.63 |
| $10,000 | 80% | $500 | $13.42 | ||
| $5,000 | 70% | $1,000 | $7.50 | ||
| Maine coon, male, 4 years old | Wausau | $30,000 | 90% | $200 | $61.49 |
| $10,000 | 80% | $500 | $38.15 | ||
| $5,000 | 70% | $1,000 | $21.31 | ||
Additional Costs to Anticipate
Your monthly premium isn’t the only cost you will have when your pet receives vet treatment. You are responsible for paying the annual deductible before any coverage kicks in, the difference between the treatment cost and your reimbursement level, and any costs above your yearly limit.
As the pet owner, you are ultimately responsible for services not covered by pet insurance. Read through your policy carefully before you authorize vet treatment for your pet.
When Should I Enroll in Pet Insurance?
It’s wise to obtain coverage as soon as you get a pet. You want your pet to start coverage while they are healthy, as most policies do not cover pre-existing conditions.
Also, many companies enforce a waiting period of 7 to 15 days. You will not be eligible for reimbursement during this initial waiting period.
Does Pet Insurance Cover All Vet Services?
The short answer is “no.” Most accident and illness policies do not cover grooming, boarding, cosmetic procedures like tail docking, breeding services, wellness exams, vaccinations, and pre-existing conditions. Some pet insurance companies cover holistic and alternative procedures like acupuncture and water therapy, while others do not.
How Does Pet Insurance Work?
When your vet treats your pet, they will provide you with an itemized bill. You then submit that bill to the pet insurance company. You will receive reimbursement for the charges based on your reimbursement percentage, deductible, and annual limit.
Your vet’s office may require you to pay for the services upfront or may allow you to submit to the insurance first. Make sure you understand your vet’s payment policies before your pet gets sick or injured.
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Conclusion
Monthly premiums for pet insurance in Wisconsin can range from $ 23.32 to $205.98 for dogs and $7.50 to $61.49 for cats. Your pet’s breed and age, where you live, and the amount of coverage you choose will determine the actual cost.
The quotes we’ve provided are for accident and illness policies. Some pet insurance companies offer wellness coverage at an additional cost.
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