Best Pet Insurance in Alaska

Choosing the right pet insurance company for you and your dog or other pets in Alaska can be a frustrating and confusing process. How much coverage will my plan provide? How fast will I be reimbursed? Are there any health issues not covered?

Here at iHeartDogs, we created an easy comparison below of all the major pet insurance brands in Alaska and across the US. You can also use the form below to receive a no obligation quote from all the major pet insurance carriers at once, allowing you to compare pricing and coverage:

Dog & Cat Insurance In Alaska

Let’s take a deep dive into the features and benefits of each of the major pet insurance brands here in Alaska and across the USA. Simply scroll to the right to view all the brands:

Pets Best
Lemonade
ManyPets
Trupanion
FIGO
HealthyPaws
Prudent Pet
Embrace
Wagmo
Company
Company
Pets Best
Lemonade
ManyPets
Trupanion
FIGO
HealthyPaws
Prudent Pet
Embrace
Wagmo
Annual Coverage
Annual Coverage
$5,000 or Unlimited
Up To $100,000
Unlimited
Unlimited
$5,000 or Unlimited
Unlimited
$10,000 or Unlimited
$5,000 - $30,000
Unlimited
Multi-pet Discount?
Multi-pet Discount?
Yes
Yes
No
No
Yes
No
Yes
Yes
No
What They Do Best
What They Do Best
Best for plan customization
Great pricing for puppies & kittens
$0 copay option. No fees for paying monthly.
Best for paying claims to veterinarian direct
Short waiting periods
Best for paying claims fast
Best Trustpilot reviews
Best plan for superior benefits
Fast claims. Wellness plan available.
iHeartDogs Customer Rating ⭐⭐⭐⭐⭐
iHeartDogs Customer Rating ⭐⭐⭐⭐⭐
4.3 / 5
4.6 / 5
4.7 / 5
4.5 / 5
4.1 / 5
4.4 / 5
4.5 / 5
4.5 / 5
4.1 / 5
Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)
Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)
Yes
Yes
Yes
No
No
No
No
Yes
Yes
Example Quote for 1 Year Old 30 lb Mixed Breed
Example Quote for 1 Year Old 30 lb Mixed Breed
$35.81 per month
$20.00 per month
$30.00 per month
$68.25 per month
$69.30 per month
$26.25 per month
$73.46 per month
$42.35 per month
$15.00
Reimbursement Amount
Reimbursement Amount
90%, 80%, or 70%
90%, 80%, or 70%
90%, 80%, or 70%
90%
100%, 90%, 80%, or 70%
90%, 80%, 70%, 60%, or 50%
90%, 80%, or 70%
90%, 80%, or 70%
100% or 90%
Annual Deductible
Annual Deductible
$50, $100, $200, $250, $500, or $1,000
$100, $250, or $500
$100, $250, or $500
$0 to $1,000
$100, $250, $500, or $750
$100, $250, $500, $750, or $1,000
$100, $250, $500, or $1,000
$200, $300, $500, $750, or $1,000
$250, $500, or $1,000

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Receive a Free No-Obligation Quote from All the Pet Insurance Carriers At Once
Rather than visiting each insurance carrier’s website, you can use the form below to receive a no obligation quote from all the pet insurance carriers at once, allowing you to easily compare:

Which pet insurance company is best?

Alaska Pet Insurance FAQs

Can You Claim Animal Expenses On Alaska Taxes?

You can not claim pets as dependents on taxes, but you may be able to write off pet expenses if you satisfy specific criteria, keeping more of your hard-earned money. Pets that help your business may be tax-deductible for business owners. Fostering animals may get you a tax advantage. Fostering animals from a recognized nonprofit can be deducted as charitable donations. 

Also, service animals may give a reduction. You can claim medical expenses for these animals. Emotional Service Animals do not usually receive tax reductions.

Do Pet Insurance Premiums In Alaska Go Up After A Claim?

Yes, your insurance company might believe that if you have filed one claim, you are more likely to file another, which would raise your premiums. The same holds true if you have needed to file a claim due to an accident or the loss of a pet. 

It is also important to keep in mind that while evaluating a new insurance application, an insurance company will take your pet’s medical history into account. As a result, you might find that the price quoted to you is greater than you anticipated. 

Do Pet Insurance Premiums Go Up With Age In Alaska?

Yes, older pets will always see an increase in premiums. As your pet ages, health issues arise more frequently, resulting in more expensive vet trips. In addition, when pets reach a particular age, pet insurance providers may raise your premium to cover the expense of the additional care that your pet requires. 

After roughly four years, you might notice an increase in the premium price for your puppy. As they age, the cost often keeps going up until treatment is unaffordable. Naturally, this depends on the insurance provider, the breed, and additional elements like pre-existing conditions.

Does Pet Insurance Start Immediately In Alaska?

The majority of pet insurance policies do not begin immediately and do not take effect until approximately two weeks later. These plans cover accidental injuries only and begin immediately for some policies, while others take longer.

Insurance companies implement waiting periods to discourage pet owners from delaying the purchase of coverage for their animals until it is too late. However, without a waiting period, pet owners might be tempted to forego purchasing insurance for their animal companion until after an accident or illness has manifested itself.

There are no plans for insurance coverage for pets that do not involve a waiting period. Before your pet can be covered for medical expenses, the waiting periods required by your pet insurance company are standard. Insurance is intended to provide protection in the event that something unanticipated takes place; however, it does not provide coverage for issues that have already manifested, nor does it typically cover pre-existing conditions.

How Does Zip Code Affect Pet Insurance In Alaska?

The prices of almost everything you buy are influenced by the cost of living in your zip code location. Therefore, the amount you could expect to pay on pet insurance directly relates to the cost of living in a particular area. The cost of living index has a value of 100, which corresponds to the average cost of living in American cities. Therefore, you can use the index to get information about the cost of living in your city. 

For instance, the annual cost of living in Alaska is almost $49,000, which is a little higher than California and about ten thousand more than Texas. Also, veterinarian services in Alaska are, on average, ten percent higher than the national average, which will also affect your pet insurance rates. 

What Is The Average Annual Deductible For Pet Insurance In Alaska?

Your plan’s deductible refers to the amount of out-of-pocket expenses that you are responsible for paying before the insurance provider begins to pay its portion. You may be able to select the deductible amount that will apply to your plan through certain providers. Generally speaking, the higher the deductible (that is, the greater the amount of money you are willing to pay out of pocket for covered care before reimbursement begins), the lower your monthly premium will be.

What Is Pet Wellness Coverage?

Wellness, preventive, and elective care, as well as other add-ons, help to cover the cost of regular or maintenance pet care. Including a preventative care plan in your pet insurance policy will help you cover the costs of routine treatment. Some treatments include vaccinations, wellness exams, microchipping, and other procedures which are great for puppies. However, the cost of the coverage may not be sustainable.

What Is Routine Care Pet Insurance?

Routine care is another name for wellness care but may differ slightly with each company. The care can include services like wellness exams, immunizations, parasite screening tests, heartworm preventatives, flea/tick treatments, spaying/neutering, teeth cleaning, etc. The expense of wellness treatment is predictable and easier to budget.

What Is The Annual Limit For Pet Insurance?

An annual limit refers to the maximum amount your insurance company will pay out for your dog in one year under the terms of your policy. You will be given the option to select one of many limits ranging from $5,000 to $30,000 for the annual maximum amount of coverage that will be offered by your animal’s insurance policy. For example, if the annual maximum of your insurance coverage is $5,000 and your veterinary expenditures exceed that amount, the insurance company will not reimburse any more expenses until the following year. 

What Is The Average Cost Of Pet Insurance Per Month In Alaska?

In Alaska, the average monthly cost of insurance starts at $16 to $116. However, a typical dog insurance plan should cost between $12 and $75 a month. Alaska pet insurance rates might vary depending on a number of elements, including your pet’s breed and your ZIP code. The prices of nearby veterinarians in your ZIP code are typically used to determine Alaska pet insurance costs. Your charges will probably be higher if you live in a smaller town like Kodiak or North Pole than if you live in Anchorage or Juneau.

For instance, the breed of your dog may have an impact, particularly if that breed is more likely to contract a particular disease. Next, the age of the pet will change the prices as well, with younger pets getting lower prices while older pets have higher risks and higher prices. 

A fantastic approach to reducing your costs is to use a pet insurance carrier that provides discounts. For instance, Fetch offers discounts to AARP people, veterans, active duty service members, and pet adopters and rescuers. If you have insurance for numerous pets, the ASPCA will reduce your premium by ten percent. In addition, the annual coverage caps, deductibles, and reimbursement rates you set when designing your plan could increase or decrease your monthly cost.

What Is The Best And Least Expensive Pet Insurance In Alaska?

Alaska has several top insurance providers for pets, each with their own advantages. Figo offers the lowest cost depending on the coverage options you choose. With reimbursement rates of ninety percent, they do stand out, and they also offer complementary services with veterinarians via video chat. It’s easy to track your records, and they score highly with customers. 

Wagmo, while a little more expensive, offers a variety of wellness plans and provides prompt refunds via direct deposit, PayPal, or Venmo. Even better, once your deductible has been met, they will pay up to 100% of your veterinary expenses for the remaining months of the year. There are many features of Wagmo that pet owners would value, including additional discounts for many pets, renewals without claims in the past, and freedom of choice when it comes to vets.

Which Pet Insurance Company Does iHeartDogs.com Recommend?

Our recommendation depends very much on your individual situation. You can compare quotes for your dog’s age and your location here. We can report that Trupanion, HealthyPaws, and Pets Best are very popular with iHeartDogs supporters.

Compare Pet Insurance Companies. Which is best?

What do iHeartDogs Readers Think About Pet Insurance?

Is Pet Insurance Worth It? - We asked [33] Dog Owners and Here's What They Said

Pet insurance is "worth it" if you can afford the cost of the insurance, but could not afford an emergency vet bill. However, the best plan is to only get a pet if you can afford vet care, & to have a special savings account set aside for pet emergency care. - Louise 

Very much worth it. I have Nationwide. It used to be VPI. It doesn’t cover things in full, but it very much helps. More then paid for itself with my first two dogs. Haven’t needed it much with the two I have now but if something happens, I won’t hesitate to get the best treatment I can. It really helps. - Beth

Yes it is worth it. But you need to shop wisely for it. I have care credit that is used when needed. With no excluded treatments because it's up to me! Great rates and options to pay back. Saved my bank account a number of times. - Jennifer

Always worth it with my previous pet dog, Louie (French bulldog) and current pet dog, Lucy (dachshund).
It’s more than paid for itself each time. Unless you can cough up $10,000 for an emergency surgery I suggest you get pet insurance. Healthy Paws I highly recommend!!! - Leo

My vet one time said...my a "Dogs are Expensive" account. Whatever the going rate for pet insurance is...say $100...put that monthly in the "D A E" account. If you are ahead at the end of the year roll that money over....then, if you do need a big sum you have it, and if you don't the $ is in your pocket and not the insurance company's... whatever you decide..good luck! - Peggy

With my last dog no. I paid 17 years and never made a claim. With the two I have now definitely. My JR managed to get a dog toy piece stuck in her intestine - hugh, expensive op so worth it. I don't like the fact that even though my dogs are both young, the premium has gone way up however. 3&2 are not senior dogs. - Kit

Before just checking quotes check with your vet or ones in your area. The one problem with many pet insurances it actually may affect the cost a vet or clinic may charge for a service based on what they may have to pay or what they need to do get paid. For example a base xray charge may be $100 if you pay yourself but say you use insurance A that may cost the clinic so much a year to be a member or requires so much documentation or takes so long for payment may increase the charge to $130-150 .Then if you have a deductible you will be paying more. Your vet will also know which ones are more reliable for your area and for the needs for your breed. - Candi

I would never have a pet without insurance. Way too risky for those sudden and age related injuries/health issues . Everyday check- ups and vaccines are incidental costs compared to many things that can go wrong w ur furry family member ❤️ - Holly

I'm furious that insurance companies have now made owning pets incredibly expensive. Once insurance companies enter into the equation, the price for everything goes "through the roof." I wish these monsters would be regulated and insurance, health care was NON PROFIT!!!!!! - Rhonda

Yes Healthy Paws has been great. My Boston is on constant eye meds for about 6 years and 2 surgeries. I have 80 percent and they pay right away. - Lynda

Worth it if you plan ahead. One of my dogs I adopted and got insurance a year or so later and insurance has denied EVERYTHING…even an ear infection at 10 years old, as a preexisting condition because she had one when she was 3years old. My other dog I got insurance right away (lesson learned!) and it has been a huge benefit because ten years later he had significant medical expenses that were covered at 90% I could not be more thankful to have the insurance - Shannon

Definitely worth every penny! Our Shitz tore her ACL, swallowed my husband’s hearing aid, puts everything in her mouth!!! We have Healthy Paws. Very pleased. Just wish we went with 90% coverage instead of 80%. Get it BEFORE they have an issue!! - Jan

Nope not worth it. I love my babies but, it's like human insurance, Hardly worth getting. More n likely whatever your pet has insurance won't cover it so your still gonna pay out the ying yang. So here we are paying out the ying yang for insurance and still paying high dollar to a vet. - Nancy

Yes. My sweet hound developed allergies. The insurance covers are $73. Apoquel prescription plus everything else that goes wrong. She had a cough with meds the bill was over $400. Very happy we have insurance. - Pamela

Yes! For 10 years I never had to use it. Then my dog got very sick and needed to go to the animal hospital. She was diagnosed with diabetes and cushings disease and the costs for all the medications and testing she undergoes until we get her regulated is exorbitant. With the insurance I’ve been getting most of it back. - Erica

Worth it! Preventative/wellness services usually aren't included with accident/injury plans, but most insurances offer that separately (for more money). Get coverage asap when you get a pet... preexisting conditions are almost never covered and the older a dog gets, the higher the cost gets. I had Nationwide through my previous employer. The plans were supposed to follow my pets for life, after I left the job, but (long story short) the plans were cancelled. So now I'm getting new insurance through ManyPets for a dog who was 9 when I got the Nationwide plan, but is now 13 - with preexisting conditions. For all three of my dogs, it's about $235/month (that's with the optional wellness plans added for each). But if anything happens to any of my "kids", I pay a $250 annual deductible, then ManyPets covers 80% - with no lifetime limit. - Andrea

Yes. It's worth it. You never know what might happen. I see so many go fund me's to help animals when insurance would have covered it. Fyi, Trupanion is slightly more expensive but can pay the Vet directly if the Vet is signed up on their system. I have my 2 dogs and 2 cats covered. - Blythe

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