Pet Insurance in Indiana

Choosing the right pet insurance company for you and your dog or other pets in Indiana 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 Indiana 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:


Best Pet Insurance For Dogs in Indiana

Let’s take a deep dive into the features and benefits of each of the major pet insurance brands here in Indiana 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?

Indiana Pet Insurance FAQs

Does Pet Insurance Cost A Lot In Indiana?

Depending on the breed, age, region, and other considerations, pet insurance can cost anywhere from $14 to $98 per month in Indiana. For most dog owners, the cost will be less than a tank of gas or a family meal out. Most families can afford the cost, especially since it can save them thousands of dollars over time. 

Prices in Indiana for veterinary care are around 14 percent lower than the national average. As a result, pet care costs less in the state, so insurance companies can charge less for coverage. As a result, Indiana pet owners can enjoy lower-cost pet insurance to keep their dogs protected. 

Other considerations, such as local risks, can influence the cost of insurance in Indiana, such as extreme heat, colder temperature, allergies, and wild animals. 


Many animals suffer from allergies and must be treated locally. Pet insurance can assist in safeguarding your pet’s health and well-being in the future. 

In both urban and rural settings, coyotes can be predatory and territorial and harm dogs. When pets are allowed out early or late, they are more likely to be attacked. Pet insurance allows owners to provide their pets with the care they require without worrying about the cost.

What Is Usually Covered Under Pet Insurance?

Accidents and illnesses covered by standard dog insurance plans range from surgery to remove a swallowed sock to comprehensive cancer treatment. Always check with your insurance company to find out what they do and do not cover. Here’s a more in-depth look at what a typical plan entails. 

Accidents


Hereditary Conditions

Diagnostic Treatment

Illness

Surgery


Hospitalization

Medications

Standard Testing

Which Insurance Is Best For My Dog?

Every insurance provider has its own set of advantages and expenses, so deciding which is best for your family and pets is a personal decision. The best thing you can do for your pet’s health and wallet is to look into each insurance option and determine which one best suits your needs. You should also consider whether the insurance company provides savings for multiple dogs, accidents, illness, wellness care, and preventative treatment. Other insurances will not cover pets past a particular age, further limiting your options.


You will also want to know if you may choose your own veterinarian if there are any waiting periods, what the plan does not cover, medication coverage, deductibles, and the company’s reputation. For emergency or long-term illnesses, some firms may give less treatment. Your budget will significantly impact the pet insurance company you choose.

Does Pet Insurance Increase With Age?

Most buyers sign up for insurance when their pets are young since the monthly costs are the lowest. As does age, the prices increase as they are more liable to incur health concerns and illnesses. It is possible that the price will rise sooner or later. You should expect the cost of pet insurance to rise with age, just like it does for people.

How Much Is Indiana Pet Insurance A Year?

Prices for insurance per year start at about $170 and can increase to $1,175 depending on the breed. This does not include your portion of bills, as most companies will reimburse you for a percentage. Therefore, you will have some out-of-pocket expenses. Also, multiple factors can increase or decrease the cost, and there is no way to determine the actual annual price until you choose all the options. 

Can You Claim Animal Expenses On Taxes?

In most cases, you can only deduct a service dog, a working dog, or a performing pet from your taxes. Some foster pet fees, as well as moving expenses, may be deductible. There are currently no tax benefits available for family pets.


Is Spaying Covered By Pet Insurance?

Many pet insurance companies cover the cost of spaying or neutering a pet. However, it’s usually not part of a standard policy. Instead, it’s an add-on that costs extra. As spaying and neutering is a one-time event in your pet’s life, it’s best to pay out of pocket instead of increasing your coverage. 

Do You Have To Have Dog Insurance?

Indiana does not mandate pet insurance. However, pet insurance is a wise investment as the cost of veterinary care continues to climb, making them unaffordable for most households. Furthermore, without insurance, non-insured pet owners may be unable to provide life-saving care to their animals.

The Pet Insurance Working Group of the National Association of Insurance Commissioners is working on a model law on pet health insurance as of January 2021. The pet insurance market and how veterinarians manage pet insurance with clients will undoubtedly be affected by whether and how states follow the new model law. 

Can You Go To Any Vet With Pet Insurance in Indiana?

Veterinary clinics choose whether or not to accept insurance on a case-by-case basis. However, most pet insurance companies expect the customer to pay upfront, and the insurance reimburses the customer directly. Because pet insurance is a relatively new market, laws are still being developed, which could change in the future.


Does Pet Insurance Cover Diagnostic Tests?

Yes. Pet health insurance coverage for eligible accidents and diseases will cover the costs of diagnostics and treatments. Because your pet cannot tell you what is wrong or how they are feeling, any tests recommended by your veterinarian are worth pursuing. These tests are crucial because they allow your veterinarian to receive a complete picture of your animal’s family member’s health. 

Some pet insurance providers may offer a wellness package that extends coverage to more circumstances, with pet diagnostics covered as part of your pet’s preventative treatment.

What Is An Annual Deductible On Pet Insurance?

Your deductible is the amount you must pay before your insurance provider covers any expenses. As a result, the larger the deductible, the more you will have to pay if you need to use the plan. For example, if you choose a $250 deductible plan, you will be responsible for the first $250 in expenditures before the insurance company pays anything. This is likely only the beginning of the expenditures you will be accountable for if you need to use the plan. 

The insurance company’s monthly premiums usually reflect the buyer’s likelihood of using the insurance. Monthly rates might vary depending on several factors, one of which is the deductible. Generally, the higher the deductible amount you select, the lower your monthly premium cost will be. The reason for this is due to the financial responsibility of the insurance provider when the plan is used. If your percentage of the expenses of services is higher, they will not have to contribute as much of the charges. 


If you do not know what you are doing, this is an area where you can get buried. Therefore, it is critical that you learn as much as possible about that deductible. Some businesses will charge an annual deductible for each pet, similar to your personal health insurance, with some having lifetime deductibles and others charging the deductible for each event. As you can expect, if you have a pet prone to accidents or ailing, this may add up quickly. 

An annual deductible indicates that you must meet the deductible amount (pay it) before the insurance company covers any expenditures for the remainder of the calendar year. Next, a lifetime deductible indicates that you must pay the set sum of the deductible before the insurance company pays any percentage of any expenditures for the duration of the insured’s life. Finally, per incident deductibles mean that you will be responsible for paying the specific deductible amount each time you utilize the plan for an incident.

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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