Pet insurance is becoming more common and popular as many pet owners are experiencing significant savings on veterinary care bills. Rather than being a luxury, pet insurance is becoming a reasonable option for pet owners because it helps with budgeting and paying for expensive surgeries and treatments for chronic conditions.
Most pet insurance companies provide the same basic coverage in their insurance plans. However, they’ll differ on what types of customizations and unique items they’ll include in their plans. It can get overwhelming to research every available pet insurance provider. So, our list of some of the best pet insurance companies in North Dakota is here to help you get to know key players in the pet insurance industry and determine which one will be a good fit for your pet.
A Quick Comparison of the Winners for 2024
|Lemonade Pet Insurance
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|Trupanion Pet Insurance
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|Hartville Pet Insurance
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|Pets Best Pet Insurance
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|Pumpkin Pet Insurance
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The 15 Best Pet Insurance Providers in North Dakota
1. Lemonade Pet Insurance – Best overall
Lemonade Pet Insurance offers affordable pet insurance plans in select states. Fortunately, North Dakota is included in its service area, so you can enjoy the benefits of one of the cheapest rates you’ll find in the market. While you can submit reimbursements for treatments your pet receives in any state, you can only purchase pet insurance in some states. So, if you end up moving out of state, there’s a chance that you may not be able to keep your coverage.
This company excels in customer service and has a very user-friendly app for submitting claims and making the most out of your pet insurance. Its basic accident and illness plan provides competitive coverage and includes services like diagnostic testing, emergency care, and medications. You can add on wellness care, but many customers don’t end up experiencing much savings due to the cost. So, you must make sure to use all the services under Lemonade’s wellness care coverage to make this add-on worth it.
2. Trupanion Pet Insurance
Trupanion Pet Insurance offers one accident and illness plan for pets. All plans have a 90% reimbursement rate and no annual limits. So, while Trupanion’s premiums tend to be on the higher end, you can end up saving significantly because of the relatively high reimbursement rate.
Trupanion makes the customer experience simple and easy. It has a relatively fast claims process as long as you submit claims correctly. You can also potentially skip the claims process altogether. Trupanion can directly pay veterinarians if they’re participating in its direct payment program.
While it doesn’t have a standalone wellness care plan or add-on, Trupanion does offer other unique riders. The Pet Owner Assistance Package helps pay for boarding and lost pet notifications. The Complementary Care Rider will extend your coverage to pay for alternative therapies that many other pet insurance companies won’t cover.
3. Hartville Pet Insurance
Hartville is another great pet insurance provider in North Dakota for several reasons. It has a flat rate on its accident-only plan, so the premium stays the same for pets of all breeds and ages. The accident and illness pet insurance plan covers basic medical care costs and includes hereditary conditions and behavioral issues. You can also add preventative care to this plan if you want more extensive coverage.
Hartville Pet Insurance also provides different options for your deductible amount and reimbursement rate. There is also an option to remove annual limits. Just keep in mind that the premiums increase significantly for pets older than 5 years old.
4. Pets Best Pet Insurance
Pets Best Pet Insurance offers a good number of customizations, so with a bit of work, you can find a plan that best meets your pet’s needs. The basic accident and illness plan offers relatively comprehensive care, and you can choose from two tiers of wellness plans. You can also omit some coverage options to make premiums more affordable. Remember that no matter what plan you choose, Pets Best Insurance doesn’t provide coverage for holistic therapies.
This pet insurance company also has excellent customer service, and all policyholders have access to its 24/7 emergency health line. So, there’s the potential to experience even more savings by preventing any unnecessary vet office visits.
5. Pumpkin Pet Insurance
Pumpkin Pet Insurance offers excellent customer service and a relatively comprehensive accident and illness plan. It doesn’t have a standalone wellness care plan, but you can purchase the wellness care add-on to the accident and illness plan, and it’s a flat rate for all pets.
Premiums tend to be on the more expensive end, but Pumpkin offers 90% reimbursement rates for all plans. You can also choose your deductible and annual limit to save on some costs. Just keep in mind that there’s a pretty stark difference in premium prices for breeds known for having more hereditary conditions. So, it may not be the most affordable option for these breeds.
6. Embrace Pet Insurance
Embrace Pet Insurance offers a considerable number of customizations so that you can find cheaper premiums. Embrace offers one of the widest ranges of deductibles, and you can choose from 10 different options. You can experience additional savings by choosing from various reimbursement rates and annual limits.
Embrace is an excellent option for younger and healthy pets because you can get a reduction on your deductible for every year a claim doesn’t get processed. Premium rates do tend to get more expensive as pets get older, and Embrace has an age limit set at 14 years old.
Another great feature is that all policyholders have access to Embrace’s 24/7 pet health line. Embrace is also known for having reliable customer service.
7. Nationwide Pet Insurance
Nationwide Pet Insurance is one of the only pet insurance companies that offers coverage for birds and exotic pets. It also has a 5% multi-pet discount, so it’s a great option for homes with various pets.
Nationwide offers accident-only, accident and illness, and wellness care plans, and each of these plans have different tiers of care. So, there are opportunities to find a highly customized plan for your pet. However, depending on your pet’s age and breed and your location, you’ll have limited options for selecting your reimbursement rate and deductible.
8. ASPCA Pet Insurance
ASPCA offers an accident-only plan and accident and illness plan. The accident and illness plan offers several different customization options, and you can choose your deductible amount, reimbursement rate, and annual limit.
Along with the usual services and treatments covered by most pet insurance plans, ASPCA will cover alternative therapies, prescription food, and poison consultations. It’s also one of the few pet insurance providers that includes microchipping in its plans. While ASPCA has extensive coverage, one of the services that isn’t covered is obedience training.
Another unique feature of ASPCA is that it provides insurance for horses. Multi-pet owners can also experience additional savings with its 10% multi-pet discount. ASPCA also doesn’t place an age limit on pets, so all cats, dogs, and horses can enroll in a pet insurance plan.
9. Healthy Paws Pet Insurance
Healthy Paws Pet Insurance has one accident and illness plan that you can customize to fit your pet’s specific needs. You can also experience additional savings by choosing from a selection of deductible amounts, reimbursement rates, and annual limits.
Healthy Paws generally offers affordable premiums, but prices get significantly expensive as your pet ages. Options for choosing your deductible and annual limit are also reduced for older pets.
Healthy Paws is also known to have excellent customer service and has a very simple app that makes submitting claims a straightforward process.
10. AKC Pet Insurance
AKC Pet Insurance is only available to dogs, but it provides some of the most comprehensive pet insurance plans for dogs. It’s an especially great plan for breeders because it offers add-ons for services and treatments specifically for pregnant and nursing dogs.
While most pet insurance companies don’t provide coverage for pre-existing conditions, AKC has industry-leading eligibility requirements for dogs with pre-existing conditions. So, after a waiting period, you may be able to experience savings. Just keep in mind that AKC has an age limit, so your dog isn’t eligible for enrolling in pet insurance once it reaches 8 years old.
11. Figo Pet Insurance
You can find very comprehensive coverage with Figo Pet Insurance. Coverage for the accident and illness plan extends to alternative treatments, and you can also experience some savings with prescription foods. Figo doesn’t have a separate accident-only plan or wellness care plan, and you have to purchase add-ons to receive coverage for routine care.
Figo is a considerable option for older pets because it doesn’t place an age limit. It also offers several different customization options, so you have the potential to find the most affordable plans in the market. You can even opt for a 100% reimbursement rate, but this tends to add a significant increase in premium prices.
12. Bivvy Pet Insurance
Bivvy Pet Insurance has one of the fastest application processes in the market, so it’s a considerable option if you’re looking for a quick way to insure your pets. You don’t have to submit any vet exams with your application, and you can get approved within minutes of applying.
Bivvy has a set premium rate, so pets of all breeds and ages will have the same premium. However, coverage is a little more limited than competitors, and you have a lifetime limit of $25,000. So, Bivvy may not be a considerable option for long-term veterinary care needs.
13. Progressive Pet Insurance
Progressive Pet Insurance has some of the most affordable plans. Along with providing the standard accident and illness plan, you can also choose an accident-only plan or standalone wellness care plan. The accident-only and wellness care plans have flat rates, so you don’t have to worry about premiums increasing yearly.
Progressive keeps its plans affordable by having a small selection of annual limits, and all accident-only plans have one annual limit option. So, if you have a breed that tends to have a lot of hereditary conditions, you may not experience significant savings with Progressive.
14. Geico Pet Insurance
Geico Pet Insurance offers some of the most affordable rates in the pet insurance market. However, it tends to keep prices affordable by determining your annual limit for you. The annual limit ranges from $5,000 to $30,000. However, the highest annual limit isn’t offered to all pets.
The accident and illness plan provides competitive coverage, and you can potentially receive coverage for up to $1,000 in dental services. Geico also has a 24/7 health line, so you can speak with a veterinarian without having to be onsite at a vet’s office.
15. USAA Pet Insurance
USAA Pet Insurance offers accident-only plans and accident and illness plans. If you’d like to experience savings on routine care, you can enroll in its Wellness Rewards program. The accident and illness plans have competitive coverage and include diagnostic testing, surgeries, and outpatient care.
You’re more likely to experience significant savings if you have healthy, young pets. For every year a claim doesn’t get processed, you’ll get a reduction on the deductible of the following year.
USAA may not be the best option for older pets. Once a pet reaches 14 years old, its coverage will automatically switch to the accident-only plan if it’s been on the accident and illness plan.
Buyer’s Guide: Choosing the Best Pet Insurance Plan In North Dakota
What to Look for in Pet Insurance
Your pet’s insurance coverage will look different depending on your pet’s needs. So, it’s important to do your research to determine which pet insurance company will provide the most appropriate level of coverage at the most affordable price. Here are some things to remember to help you find the right pet insurance plan.
Accident-only plans will provide coverage for unforeseen injuries and incidents. They’re a much cheaper option and are a considerable option if you have young and healthy pets that don’t need to visit the vet very often.
Accident and illness plans provide more comprehensive coverage. Under these plans, pet insurance companies will help pay for diagnostic testing, surgeries, hospitalizations, and medications. Some companies have more robust plans that cover alternative therapies, behavioral issues, dental care, and vet exam fees. You can also use add-ons or riders to extend your coverage.
Wellness care plans help pay for routine care costs, such as vaccines and initial heartworm tests. Not all companies offer a standalone wellness care plan, but you can find many that offer savings for wellness care through riders or separate programs.
Customer Service & Reputation
Since pet insurance is based on claims and reimbursements, it’s important to find a company with reliable and responsive customer service. This will help immensely with ensuring you submit your claims properly and tracking your reimbursements.
Along with assistance with claims, you’ll want to work with a trustworthy customer service representative when purchasing a plan. A good customer service representative won’t be hasty with selling you the most expensive and comprehensive plan. They’ll be able to answer any questions and offer suggestions to ensure that you get the appropriate amount of coverage that falls within your budget.
Pet insurance companies will have varying claims repayment policies and procedures. Make sure to find out what the claims submission window is as some pet insurance companies won’t process claims for bills that are too old.
Another factor to consider is how long it typically takes a company to process a claim. Some can process them within days while others allow for a 30-day processing period.
Some companies also have direct payment programs. However, they can only send direct payments to participating vets. So, make sure that your vet is eligible to receive direct payments before making your final selection on a plan.
Price of Policy
The price of the policy will depend on many different factors. First, your pet’s age and breed will affect prices. Prices will also vary depending on your location. For example, people living in big cities will have higher premiums than those in smaller towns with lower living costs.
Some companies also offer plan customizations that can increase or decrease prices. For example, you may be able to remove a specific type of medical treatment or service to lower premiums. Add-ons and riders can also increase premiums.
Lastly, many pet insurance companies will allow you to choose from a selection of deductible amounts, reimbursement rates, and annual limits. Higher deductibles and lower reimbursement rates and annual limits tend to be the most affordable arrangements for pet insurance plans.
Many pet insurance companies offer plan customizations through add-ons and riders. A common add-on you’ll see is wellness care.
Some pet insurance companies will also have different tiers of coverage. So, you can choose a premium-level plan if your pet has more veterinary care needs.
Just keep in mind that customization options tend to become more limited as pets age. Many pet insurance companies have age limits or may reduce reimbursement rates and annual limits for older pets. Some older pets may only be eligible for accident-only plans.
What is typically covered in pet insurance plans?
The most basic pet insurance plans will cover veterinary care costs related to unpreventable accidents and illnesses. So, you can expect to receive reimbursements for diagnostic tests, surgeries, medications, broken bones, and wound care.
Pet insurance companies won’t provide coverage for pre-existing conditions and preventable illnesses and injuries. So, injuries caused by intentional harm won’t be covered.
What is the average pet insurance premium price in North Dakota?
The average price for insurance premiums in North Dakota is $36 a month. However, the range can be from $14-$120 a month depending on several factors. Smaller towns tend to have cheaper rates, and cat insurance is usually cheaper than dog insurance.
Does pet insurance only cover cats and dogs?
Most pet insurance companies only provide coverage for cats and dogs. However, you can find some that will cover other types of pets. ASPCA Pet Insurance will cover horses, and Nationwide Pet Insurance has plans for birds and exotic pets.
What the Users Say
Hartville tends to have generally positive customer reviews. Many customers have received significant savings and report that customer service is helpful and responsive. However, some customers have noted that their claims processing took a long time.
Which Pet Insurance Provider Is Best for You?
For most dog and cat owners in North Dakota, Hartville Pet Insurance will be a great place to start. It has one of the best plan customization options, so you can find a plan that best fits your pet’s unique needs. You can also save on your deductible for every year you don’t have a claim repayment.
Pet owners with young and healthy pets can potentially save more with more affordable companies, like Lemonade and Bivvy. Companies that cater to older pets and don’t have age restrictions are ASPCA and Progressive.
Our overall winner for North Dakota is Lemonade Pet Insurance because of its excellent customer service and plan customization options. It’s a good baseline for finding the right type of insurance plan for your pet.
When looking for a pet insurance plan, make sure to familiarize yourself with your pet’s needs. Factors like breed, age, and health history can help you determine what kinds of treatments and services your pet will most likely need to receive. Talking with your veterinarian may also help you find what kind of coverage your pet will need.
Once you do these things, it’ll be easier to find appropriate pet insurance plans and make further customizations to best fit those needs.
Featured Image Credit: ressmaster, Shutterstock