Things to Consider Before Choosing Pet Insurance in Indiana
- The type of coverage you need: Some pet insurance plans only cover accidental injuries, while others also cover illnesses. You will need to decide what type of coverage is right for you and your pet.
- The cost of the plan: Pet insurance can be expensive, so it is important to find a plan that fits your budget.
- The deductible and reimbursement rate: The deductible is the amount of money you will have to pay out of pocket before your insurance kicks in. The reimbursement rate is the percentage of the vet bill that your insurance will cover.
- The waiting period: Some pet insurance companies have a waiting period before they will cover certain conditions. This is usually around 14 days.
- The policy limits: The policy limits are the maximum amount of money your insurance will pay out for a single claim or over the lifetime of your pet.
Introduction
Pet owners in the Hoosier State take their pet’s well-being seriously. Rated as the state with the highest percentage of pet owners, there are plenty of Indiana pet insurance providers who offer comprehensive and affordable insurance policies.
Caring for your fluffy little fella is a priority, especially if you enjoy spending time outdoors where potential accidents and injury threats can happen at any moment. That’s why purchasing an Indiana pet insurance policy can be a life-saver.
But how do you choose the best pet insurance companies Indiana has to offer? No worries, we did the homework for you and made a list of the best pet insurance Indiana based providers that will offer peace of mind when it comes to your loving furry friend.
Lemonade Pet Insurance
Rating among the top pet insurance Indiana providers, Lemonade combines the best available insurance options and offers them at low and affordable prices. Why pay hundreds of dollars for plans that don’t suit your needs when you can get the coverage plan that is especially tailored for you.
Pros
- Has a two-day waiting period for accident;
- Unclaimed money is donated to charities;
- Offers multiple discounts like 7-10% on annual payment of policy, a 5% multi-pet discount, and 10% for bundling pet insurance with the renter’s and homeowner’s insurance packages.
Cons
- Doesn’t offer dental or behavioral coverage
Plans & Coverage
Lemonade’s basic coverage plan offers a standard range of treatments and conditions, including injuries, infections, prescriptions medications, blood tests, veterinary care, and more.
If you decide to purchase add-on coverage, your pet will be covered for three vaccines per year, a wellness exam, blood tests, and heartworm testing. There is also an add-on option for coverage of physical therapy and vet visit fees.
Spot Pet Insurance
If you are looking for a premium dog insurance Indiana provider, then Spot is the choice for you. It offers plans that can be customized and personalized according to the needs and budgets of pet owners.
Pros
- Coverage plan for behavioral issues;
- 30-day money-back guarantee with all policies;
- Flexible and customizable plans;
- 24/7 Telehealth line.
Cons
- No weekend customer service;
- Prescription food is not covered.
Plans & Coverage
Spot’s pet insurance Indiana cost options vary depending on the pet and the chosen plan. There is an option of choosing between the accident-only plan and the accident and illness plan. The average cost for dogs is $30 per month and $18 per month for cats.
Two of the optional add-ons offered for preventive care are the Gold Preventive Care and the Platinum Preventive Care plans. The first one covers costs for pet vaccines, heartworm tests, and dental cleanings, allowing for $250 annual pretreatment limits. The Platinum Preventive Care plan comes with a $450 annual reimbursement and covers preventive procedures, spaying, and neutering.
Embrace
With a choice of five deductible options, Embrace is a one-of-a-kind pet insurance in Indiana offering the ultimate accident and illness insurance coverage. To meet the demands of some pet owners with older pets, Embrace offers the Accident-Only plan for dogs over the age of 15.
Embrace has been present in the charity industry for a long time by making regular donations to various pet organizations and charities. For every purchased policy, Embrace donates $2 to help unprotected animals.
Pros:
- Healthy Pet Deductible Program;
- 10% discount for multiple pets;
- 5% discount for military personnel;
- User-friendly mobile app for filing claims and managing the policy.
Cons:
- Highest coverage cap is $30,000;
- Higher premiums are quoted for larger dogs.
Plans & Coverage
Embrace offers an accident and illness plan that offers more or less the same coverage as other insurance companies. This includes pet illnesses, surgeries, allergies, hospitalization, and diagnostics.
There is an option of purchasing a wellness add-on for preventive and routine care that will cover massages, prescription pet foods, nail clipping, pet grooming, chiropractic care, and more. To reward pet owners for taking good care of their pets, Embrace promotes the Healthy Pet Deductible Program to lower the deductible by $50 for every year that the pet owner doesn’t file a complaint.
Healthy Paws
Being one of the top-rated pet insurance in Indiana, Healthy Paws offers pet parents unlimited annual coverage at low prices and relieves them of stressing over expensive occurrences. Healthy Paws offers no limits for monthly, annual, or lifetime coverage. With over a decade of experience in the insurance industry, it provides a 30-day money-back guarantee.
Pros
- Affordable policies;
- A 2-day processing period for most claims;
- Donates to charities to end pet homelessness.
Cons
- No add-on options for preventive care are available;
Plans & Coverage
One insurance plan for accidents and injuries and no possibility for add-ons is what Healthy Paws offers to pet owners. The plan covers chronic and congenital conditions, surgery, X-rays, ultrasounds, and more.
Behavioral treatments, preventive care costs, and pre-existing conditions are not covered. It also doesn’t provide a discount for pet owners with multiple pets.
Fetch By Dodo
Pet owners on the lookout for coverage of alternative treatments and providing their pets with natural remedies are in for a score. Fetch by Dogo is the rare pet insurance Indiana provider that can offer this. With up to $1,000 in Telehealth services, Fetch offers coverage for services including acupuncture, homeopathy, stem cell and laser therapy, and hydrotherapy.
Pros
- Offers a broad insurance coverage plan;
- Up to $1,000 of behavioral fees covered;
- Coverage of exam fees and sick visits;
- Comprehensive dental care coverage.
Cons
- No preventative care package;
- An annual examination, paid by the owner, is required for eligibility for coverage;
Plans & Coverage
What makes Fetch stand out from the other providers are the alternative therapies that many pet owners are seeking to find in an insurance plan. However, what it doesn’t cover is pre-existing conditions, elective procedures, and preventive care.
The comprehensive accidental and illness insurance plan includes almost everything other insurance providers offer, like illness, injury, diagnostics, hospitalization, surgeries, and emergency care.
A downside to this Indiana pet insurance provider is that it requires submitting an exam not older than six months for the company to consider starting coverage. Another negative is that the pet has to undergo an annual exam to maintain coverage, and all this needs to be covered by the pet owner.
ASPCA
With several decades of experience, ASPCA is one of the veterans among the pet insurance companies in Indiana. Part of the American Society for the Prevention of Cruelty on Animals, this provider has many flexible and customizable plans to offer its customers.
As a company that has a tradition of caring for animals, it offers a 30-day money-back guarantee if you are not satisfied with the services. It also doesn’t require any examination of your pet as a requirement to start the coverage plan.
Pros
- 30-day money-back guarantee;
- 10 % multiple pet discounts;
- Basic coverage includes microchipping;
- A selection of several add-ons.
Cons
- Has higher coverage costs than competitors;
- An annual coverage cap of $10.000.
Plans & Coverage
ASPCA offers its customers an Accident-Only and a Complete Coverage Plan. The first one is used only for emergencies and injuries like broken bones, cuts, toxic ingestions, and similar conditions.
The Complete Coverage plan helps pet owners with accidents and illnesses, behavioral issues, congenital conditions, dental diseases, and more. The Basic and Prime Wellness Plans are also used as add-ons to the original plan. There is a $250 per year pre-treatment limit for the Basic add-on and a $450 limit for the Prime Wellness add-on.
The average price of the plans averages to $30 for cats and $55 for dogs. Pet owners will be charged a $2 transaction fee per month, but it may be avoided if you opt for annual payments.
Pawp
When giving pet owners 24/7 access to digital veterinary services it’s no wonder you’ll be recommended by customers as one of the best pet insurance Indiana providers. Pawp is not your regular insurance provider because it may or may not fit your lifestyle and the needs of your pet.
The unique offering of one membership for six pets, a $3,000 emergency annual fund, and all professional assistance anytime you need it is not something to be taken lightly.
Pros
- One membership for up to six pets;
- 24/7 access to professional help without an appointment;
- $3,000 emergency fund per year;
- Flat $24 fee per month.
Cons
- Wellness or preventive care not covered;
- Only emergencies are covered.
Plans & Coverage
Pawp may not be what you had in mind, but it may be what your pet needs. What Pawp offers is one plan at a flat price of $24 per month for membership of up to six pets, regardless of your pet’s age, breed, or species. You also get 24/7 access to professional veterinarians through a virtual vet digital clinic. There is also a $3,000 emergency fund to be used for life-threatening emergencies once per year.
What Pawp doesn’t cover is pet wellness, routine, and preventive care related costs. But this star among insurance providers will take care of all emergency conditions, even those resulting from pre-existing conditions.
Figo
Is your pet a naughty little fella and causes damage everywhere it goes? Figo has a solution for that. This Indiana pet insurance provider offers pet owners a unique opportunity of purchasing the extra coverage add-on to help them pay for any damage their pet causes to third-party property.
The accident and illness plans are Figo’s number one product, but what puts it on the map are the Figo Pet Cloud app and the Extra Care Pack plan. What makes Figo a top provider are the three plans with variable cost and coverage and unique add-ons that can’t be found in other providers.
Pros
- Cheaper plan options for older pets;
- 100% reimbursement rate;
- 30-day money-back guarantee.
Cons
- Vet visits and exam fees are subject to extra monthly costs;
- Increased premiums as the pet ages.
Plans & Coverage
Offering pet owners a choice between the Essential, the Preferred, and the Ultimate plan, Figo covers the standard conditions like illnesses, accidents, cancer, ligament issues, chronic and congenital conditions, and more. The three different plans offer a choice of annual caps of $5.000, $10.000, and unlimited benefits.
Third-party property damage, vacation cancellation fees, end-of-life expenses, boarding fees, lost pet advertising, and rewards money are all part of Figo’s Extra Care Pack add-on. The Figo Pet Cloud app allows pet owners to connect with other pet owners in the area and exchange experiences.
How Much Is Pet Insurance in Indiana?
The pet insurance Indiana cost is determined based on several factors including the pet’s age, gender, species, breed, and health condition. On a general basis, the costs of insuring your pet in Indiana should range between $11 and $37 per month for cats and $20 and $100 per month for dogs.
Prices also vary depending on the chosen coverage plan and add-ons. Many insurance providers offer military or multiple pet discounts. Pet owners should pay attention to the customization of the insurance policy because that can make or break your budget.
FAQ: Pet Insurance in Indiana
Q: Is pet insurance worth it?
A: Pet insurance policies are designed and intended to help pet owners deal with emergencies they may encounter with their pets. Many may find it a waste of money, but once faced with an emergency and having to pay an unexpected veterinary bill, you’ll find to appreciate taking out pet insurance. It helps take off the strain on your budget when you most need it, while at the same time giving your pet the best health care they need.
Q: Is there a waiting period for pet insurance coverage?
A: Yes, pet insurance coverage comes with a waiting period before the coverage starts. This is because providers want to make sure that you are taking out the insurance policy for the right reasons. Some providers have a waiting period of several days, while others will have you wait for 14 days or even more before the policy is active. Make sure you consult with the potential insurance provider on this matter before purchasing a policy.
