Before the days of pet insurance, pet honors were responsible for paying 100% of out-of-pocket costs for veterinary care. Due to emergencies and illnesses, it can be very complicated to foresee. If you aren’t financially prepared for high medical bills, it can catch you off guard, and you might even lose a pet.
Pet insurance protects your dog or cat and is much lighter on the wallet in the long run. Just like everything else, pet insurance companies differ drastically as much as they are the same. Here we rounded up 10 pet insurance companies available in Indiana. Hopefully, our reviews help you make an informed decision on what works best for your situation.
A Quick Comparison of the Winners for 2024
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Best Overall
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Trupanion Pet Insurance |
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Lemonade Pet Insurance |
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Click to Get Quote |
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Embrace Pet Insurance |
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Click to Get Quote |
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Bivvy Pet Insurance |
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Healthy Paws Pet Insurance |
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Click to Get Quote |
The 10 Best Pet Insurance Providers in Indiana
1. Trupanion Pet Insurance – Best Overall
| Reimbursement | 90% |
| Deductible | Varies |
Trupanion is an ever-growing company that works diligently to protect your domesticated pets. They offer coverage on both canines and felines offering comprehensive coverage.
Coverage
Trupanion coverage is pretty unique. Rather than reimbursing you, they pay the vet directly at the time of payment. They have an incredibly long list of medical procedures that they cover, which is a major upside from many pet parents. You can get a full look at this list here.
Customer Service
There are always ways to get a hold of a Trupanion representative. You can use their telephone line to get a hold of them or chime in via chat on the main website.
Price
Trupanion does pricing a little differently than most insurance companies. Rather than setting prices, they consider your pet’s age upon enrollment. If a dog is younger, the policy will be much cheaper.
If your dog is getting up there in years, you can expect to pay more for your monthly premium. For instance, insurance on an 8-week-old puppy will be significantly less than on a 9-year-old senior.
2. Lemonade Pet Insurance
| Reimbursement | Varies |
| Deductible | Varies |
Lemonade Pet Insurance is coming up with some comprehensive plans. We think they will soon be leaders in the industry.
Coverage
Lemonade offers terrific policies that you have complete control over. You can cancel or make changes any time via the app on your phone, how convenient. However, if you choose coverage again, any covered issues are considered pre-existing conditions. So, make sure it’s worth canceling beforehand.
Customer Service
Lemonade has a reputation for easy peasy customer service. They also include a 24/7 medical chat open for policyholders.
Price
Lemonade has pretty standard pricing on its policies that can fluctuate with the coverage options you pick. They also have a few savings options—like a 10% bundle discount, multi-pet discount and annual fee discount.
3. Embrace Pet Insurance
| Reimbursement | 90% |
| Deductible | Varies |
We reviewed many great companies that can ensure your pet is covered, but our favorite is Embrace Pet Insurance. This company covers both canines and felines, making it perfect for multi-pet households.
Coverage
One unique thing about Embrace is that they consider pre-existing conditions, permitting your pup has been symptom-free for 12 months. You can also enroll seniors up to 15 years of age—which is amazing!
Customer Service
Embrace has very outstanding customer service online and their phone. If you go to their contact page on the main website, you will see lots of direct contact and customer support information. They have tons of resources you can take advantage of,
Price
Embrace has average pricing as far as most insurance companies go, which makes policies affordable to a wide range of families or budget styles. While they cover a broad range, coverage pricing options might not work for all dog or cat families.
4. Bivvy Pet Insurance
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| Reimbursement | 50% |
| Deductible | $100 |
Bivvy Pet Insurance is a practical choice with low monthly premiums that are the same for every pet. They have annual caps of $2,000, which can be deterring for some but optimal for others.
Coverage
In addition to traditional policies covering accidents and illness, Bivvy offers a Wellness Care plan that includes routine care.
Customer Service
Bivvy isn’t as up-and-coming with customer service quite yet, but you can contact them via mail or telephone. Mail obviously takes much longer to reach, delaying claims and other contact forms.
Price
Bivvy makes things easy—they charge a $15 premium across the board. Also, they make you pay 50%, and they pay 50% of all vet bills. Bivvy offers their very own Pet Credit, too. So, if you need some help—you could see if you qualify.
5. Healthy Paws Pet Insurance
| Reimbursement | 90% |
| Deductible | $100 |
Healthy Paws were really the pioneers of pet care—but they’ve recently undergone some serious competition. Still, they’re going strong, offering so much for a price, of course.
Coverage
While reimbursement times can be lengthy (up to 10 days,) they have no annual caps or limits on coverage.
Customer Service
On the website, there is tons of valuable information linking you with customer reps who will take care of all your questions. Also, there is a laundry list of FAQs where you can get information.
Price
If you get a friend on board, you can get a $25 gift certificate for the referral through the Refer-a-Friend program. They also support tons of charities, helping domesticated animals all over.
6. Pumpkin Pet Insurance
| Reimbursement | 90% |
| Deductible | $100, $250, $500 |
Pumpkin Pet Insurance is an outstanding choice and it’s one of the more affordable insurance selections. They have a really fabulous website that is incredibly easy to navigate, making quotes and signing up a breeze.
Coverage
Pumpkin has impressive coverage. Coverage doesn’t start until 14 days after the policy begins.
Customer Service
Pumpkin has a team of professionals on standby, waiting to help you out through startup, claim submissions, and general questions. You can contact them using the phone number listed on the main website.
Price
Pumpkin has fair pricing with great plans to choose from. Also, they offer perks and discounts—like the 10% multi-pet discount. They also have very high reimbursement rates for a variety of visits.
7. ASPCA Pet Insurance
| Reimbursement | 90% |
| Deductible | $100, $250, $500 |
It’s probably no surprise that the ASPCA jumped on board to offer services helping pet parents. They have quite a range of perks and available deductibles that you set, too.
Coverage
You have a few plans to choose from with the ASPCA. The coverage is specific to your pet’s needs and nothing more or less. They even offer a Complete Coverage plan that even includes wellness care—or you can simply choose an accident-only policy.
Customer Service
The ASPCA offers great customer service support. On their website, you can select options to contact customer service, a licensed vet on staff, media professionals, and GoFetch Pay Reimbursement. On their site, they also have a fax number if you choose to submit your claims traditionally.
Price
The ASPCA offers some flexible, affordable plans. Plus, they offer a 10% discount if you have multiple pet policies.
8. Figo Pet Insurance
| Reimbursement | $100 |
| Deductible | $100-$1,000 |
Figo Pet Insurance is excellent—providing great coverage for a variety of vet visits. However, deductibles can be somewhat high. Keep in mind that this company does offer a 100% reimbursement option—so it might very well be worth the extra monthly premium.
Coverage
Figo offers many coverage options, including a cool spin on preexisting conditions. Any pet who is symptom-free for 12 months beforehand is eligible for pre-existing condition coverage in these rare circumstances.
Customer Service
Customer service is a big deal at Figo, so they offer many options to stay in touch. You can call in anytime—plus, they have access to a round-the-clock vet on staff to answer medical-related questions.
Price
Figo might be one of the most expensive options in pet insurance coverage, but there’s a reason for that. They are the only company that offers a 100% reimbursement rate.
9. Nationwide Pet Insurance
| Reimbursement | 50-70% |
| Deductible | $250 |
Nationwide pet insurance covers more pets than any other option on our list. In addition to dogs and cats, they also cover exotic pets, which is a huge perk if you were shopping for extended coverage.
Coverage
No matter what type of coverage you need, Nationwide has options for your pet. They are truly a godsend for those with birds, reptiles, and other small cage animals—innovators if you will.
Customer Service
Nationwide has excellent customer service that’s a breeze to contact. Plus, on each page of the site, they have a Tap-to-Call button where you can make a single click and get connected.
Price
Nationwide policy prices vary depending on the coverage you select and your pet type. Also, you can cancel or make changes to your policy at any time, and there is a 100% money back guarantee for the first ten days after activation.
10. AKC Pet Insurance
| Reimbursement | 70-90% |
| Deductible | $100 to $1,000 |
AKC Pet Insurance is an excellent choice of coverage for breeders—but it can work for any dog owner. This canine-only insurance covers everything from injuries to breeding—so it can be well worth it for the right circumstances.
Coverage
Customer Service
AKC has terrific customer service with lots of avenues of contact. They offer a 24/7 veterinary support line you can call for questions or concerns, so you can possibly skip a vet trip altogether if the issue isn’t pressing enough. They also have an app called TrailTrax for all your pet’s accessible plan info.
Price
The AKC has a wide range of pricing for their plans, depending on your choice. The deductibles can be expensive, some going up to $1,000. However, they offer breeding coverage, which almost all other companies exclude—so it might be well worth the price.
Buyer’s Guide: Choosing the Best Pet Insurance Provider in Indiana
Insurance can be complicated, especially if you don’t know how it works. So, we will discover different areas to consider when you purchase and hopefully answer most of your questions regarding pet insurance.
Policy Coverage
Policy coverage will be the single most crucial factor to look at when you’re purchasing a policy. You want everything to be included that you’ll be using regularly.
When shopping for a policy, you might notice that there is quite a bit of variation and customization available. Many companies offer accidents and illness coverage, excluding other things like wellness care. Although, companies will add these items on for an additional cost.
If you would like to tailor your policy to meet your pet’s specific needs, you can get a hold of the company via chat, telephone, and email.
Customer Service & Reputation
Customer service and company reputation are both critical factors to look at when you’re deciding. If your pet depends on coverage, having a good customer service team will help you answer any questions you might have and come up with solutions.
Also, excellent customer service can help you submit and retrieve your claim and reimbursement. Companies even go above and beyond, offering 24 seven access to licensed veterinarians via chat or telephone.
Claim Repayment
Once you submit your claim, most companies release funds within 2 to 10 business days. Some will automatically reimburse you through a chosen bank account, while others will send you a check. Some companies even prefer to pay the veterinarian directly.
Price of Policy
There are several aspects to the price of a policy. Typically, you have a monthly premium between $15 and $100. Then, you have to worry about the deductible before the insurance takes place.
Both policy premiums and deductibles will vary based on the coverage you pick and the insurance company you choose. Some insurance companies might have a higher premium, but other perks, discounts, and savings will be worth it in the long run.
Also, prices can differ based on animal species and age. Puppies might have a lower premium than seniors, for instance.
Always make sure to factor in all cost considerations when you’re choosing.
Plan Customization
Many insurance companies offer customization in their plans. However, some plans are set the way that they are. If you prefer to customize your plans with add-ons or additional services, you can tailor the policy to meet your needs and test your budget.
Most insurance companies have a free quote. So if you know what you’re looking for, you can put in your information, set up a quote, and be contacted by a representative to go over the final cost and set up.
FAQ
Can I Get Pet Insurance Outside the U.S.?
Certain insurance companies cover other areas of the world. If you live in another state or go back and forth between two areas, you might wonder if you have coverage in the areas outside of the United States with your pet policy.
Most situations will not cover that care in another country if you have a policy in Indiana. But you should always check with the insurance company that you choose to get their exact rules on the subject.
What If My Insurance Company Is Not Listed In Your Reviews?
If you already have an insurance company for your pet, but we did not cover it here, it doesn’t mean that there’s anything wrong with your chosen coverage. In fact, if you have a policy that works for your pet the way that you are satisfied with, there’s no reason to make a switch. In the case that you’re just looking at other options to make sure you made the right choice, you can go with whatever company suits you best. There are several other insurance companies, and more grow all the time, that cover your beloved animals. So just keep your options open if you are looking to save or even find an insurance policy that covers
Which Pet Insurance Provider Has the Best Consumer Reviews?
Many of the insurance companies listed in our top ten have excellent consumer reviews.
What Is The Best And Most Affordable Pet Insurance?
We personally feel that Embrace covers the most territory in the pet insurance world at the present time. With competitive Add ONS and policy changes, other insurance companies definitely give them a run for their money, and it’s never a case-closed scenario.
You have to be careful also that you are truly saving money. Some insurance companies offer low premiums but don’t cover as much Of the vet costs or have high reimbursement fees. Others have very low deductibles but are very expensive monthly and so on. It just depends on your budget and how you factor in costs with coverage.
Do Pet Insurance Companies Only Cover Dogs and Cats?
At this time, Nationwide is the only pet insurance company offering exotic pets insurance. All other companies cover dogs and cats except for the AKC.
What the Users Say
When you’re searching for pet insurance, there’s a lot to consider. It might seem as simple as Google searching pet insurance and choosing the first result. However, reading real customer reviews is the best way to get an honest opinion about actual coverage and experience with a company.
Which Pet Insurance Provider Is Best For You?
Only you can decide what insurance company best suits your pet’s needs. With a combination of research and retrieving quotes, you can easily find the one that works the best for you. Considering all of these aspects when you’re choosing, it should be relatively simple for you to pick.
After all, and then the companies offer the same things at similar prices, so differences won’t be drastic if you’re looking for average, everyday coverage. However, if your dog has special needs or you need strict coverage, get an insurance company.
Conclusion
If you want to know our honest opinion, we give a big thumbs up to Trupanion Pet Insurance. It has reasonable premiums, fair prices, and awesome reimbursement rates. Our second choice pick goes to Lemonade Pet Insurance since they offer a range of plans you can update or change at any time if your pet coverage needs change.
If you want to save the most, Bivvy has the lowest monthly premiums across the board—$15 a month! So, if you need basic coverage you can count on, Bivvy has you covered.
Vet bills can be outrageous, and sometimes insurance can literally be the deciding factor between life or death. No matter what insurance company you pick, it’s so nice to have that added layer of protection for your pets. We can’t recommend it more.
Hopefully, in the future, more companies will offer coverage for other pets—not just cats and dogs!
Featured Image Credit: Rawpixel.com, Shutterstock
