Choosing the right pet insurance company for you and your dog or other pets in Louisiana 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 Louisiana 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 Louisiana
Let’s take a deep dive into the features and benefits of each of the major pet insurance brands here in Louisiana and across the USA. Simply scroll to the right to view all the brands:
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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:
Louisiana Pet Insurance FAQs
Are Pet Healthcare Plans Worth It In Louisiana?
Numerous pet insurance businesses provide wellness care coverage, which may include a wellness exam, vaccinations, tests to screen for parasites, heartworm preventative, flea/tick treatments, spay/neuter, teeth cleaning, and other similar services—typically as an add-on option. The costs of wellness care are fairly predictable, making it simpler to budget for them.
Do Pet Insurance Premiums In Louisiana Go Up With Age?
Young pets typically cost less when it comes to insurance as they are healthy and not much of a risk for insurance companies. However, older pets are more likely to have claims and use the policy, which is why prices increase as pets get older. After four or five years, most companies begin to raise their premiums, and the only reason is that the pets are getting older. Therefore, the price may become unaffordable before too long.
Does Pet Insurance Cost More For Certain Breeds In Louisiana?
Responsibility for reliable coverage falls on an insurance carrier as they need to provide the funds for thousands of pets while minimizing the company’s losses. Therefore, the amount of a policy’s premium is determined by the level of risk associated with that policy, and certain breeds require more care as they have more health issues.
There are a few different reasons why your pet’s breed can affect your premium cost. For example, In terms of size and build, a Yorkie will always be less substantial than a Great Dane because smaller dogs deal with fewer health risks. Sadly, larger breeds are more likely to suffer from certain medical conditions, such as hip dysplasia and heart conditions. Because of this, a pet insurance company might charge a higher monthly premium for a larger dog breed than a smaller breed.
Aside from concerns relating to size, certain breeds are also more likely to develop particular medical conditions. For instance, compared to other dog breeds, Rottweilers are more likely to be diagnosed with osteosarcoma, a particularly aggressive form of bone cancer; this condition affects more than one out of every eight Rotties. In addition, some dog breeds, like Saint Bernards and Great Danes, have a higher risk of bloat, also known as stomach flip, which is a potentially fatal medical emergency.
Some dogs are bred to produce specific characteristics, which may only be achievable by breeding two dogs that come from the same lineage. These dogs are referred to as “designer dogs.” Because of this inbreeding, a purebred dog may develop sought-after characteristics. But, on the other hand, this can mean an increased likelihood of congenital defects or inherited conditions. For example, full-breed French Bulldogs have a higher risk of developing congenital heart disease compared to many other dog breeds.
Is Spaying Covered By Pet Insurance In Louisiana?
Spaying and neutering are considered to be elective treatments by most pet insurers, which is why the majority of policies do not cover these procedures. However, many insurance providers offer supplemental wellness and preventative care programs. Many insurance companies provide the options for vaccinations, flea and tick prevention, wellness checks, and other treatments at a manageable monthly cost.
What Are The Advantages Of Pet Insurance In Louisiana?
If you have pet insurance, you will not have to choose between providing care and affording it, which is the main advantage of pet insurance. Most pet owners will do anything to ensure their pets’ well-being. Unfortunately, accidents and unanticipated health problems are inevitable for pets and often result in expensive veterinary bills most families cannot afford.
While pet owners can set aside money in a pet savings account, most do not because it’s harder to do on their own and would require more of their own funds. Additionally, one pet accident or illness can completely deplete the savings account and leave nothing available for another health issue. Even though this is a good plan for some situations, a single trip to the vet could use up most or all of the money you set aside.
If you have pet insurance, you will have financial help for veterinary care. Pet insurance allows you to visit any licensed veterinarian, including specialists and emergency animal hospitals, unlike human health insurance. Any pet, young or old, is eligible for pet insurance benefits. However, enrolling your pet at a younger age can help you avoid problems.
What Is Not Covered By Pet Insurance In Louisiana?
No matter what policy you choose, most insurance companies do not cover treatment for any pre-existing conditions. In addition, the majority of standard plans for pet insurance do not include coverage for routine wellness checks or medications; however, if you would like, you can typically purchase an add-on policy that will cover these services if you so choose.
Pet insurance frequently excludes coverage for stem cell therapy, end-of-life care, microchipping, and virtual pet visits. Check with each provider to find out what is not covered before you need to know to prevent unexpected bills without reimbursement. Each company will vary slightly, and most insurance policies make an effort to write in plain English and clearly describe what is covered.
What Is The Average Cost Of Pet Insurance In Louisiana Per Month?
For dogs, Louisiana pet insurance quotes have an average monthly price between $28 and $54. The range can be as low as $15 a month and as high as $81 a month. However, several factors could influence the cost of pet insurance premiums. First, breed plays a major role in the cost of insurance, as discussed above.
Next, a pet’s age will determine the cost of insurance as younger pets cost less while older pets will always cost more. The cost of pet insurance may vary depending on where you reside. Due to the increased cost of living in urban areas compared to rural ones, veterinary treatment is typically more expensive there. As a result, pet insurance typically costs more for people who live in metropolitan ZIP codes.
Furthermore, your payments will go up if you have a lower deductible, a greater reimbursement rate, and a higher coverage ceiling. Choosing any add-ons will add to the cost of your premiums, as will the annual limit and your deductible choices. For example, choosing accident-only coverage will cost far less than choosing comprehensive coverage and wellness care.
How Much Is Pet Insurance A Year In Louisiana?
The annual cost of insurance will depend on the monthly cost, your deductibles, and the annual limit. On average, the price ranges between $120 and $648 before considering other factors such as the deductible. The price changes with the options you choose with the yearly deductible, usually $250, $500, $750, or $1,000. You will have to cover the amount you choose before the insurance company will payout reimbursements for the policy.
Additionally, you will need to pay any amount over your annual limit. For example, if your annual limit is $5,000 with a deductible of $250, you will first have to pay your deductible of $250. Let’s say our pet is in an accident and the bill comes to $8,000, your policy will only cover $5,000, and you will be responsible for the other $3,000.
Who Has The Cheapest Pet Insurance In Louisiana?
Spot, ASPCA, and Figo offer some of the lowest prices in Louisiana for pet insurance, with an average of about $26.50 per month. Lemonade may be the cheapest, with only about $10 to $20 monthly coverage. Check the policies first, as your pet’s information may change the results.
Does Pet Insurance In Louisiana Cost A Lot?
Pet insurance costs depend on several factors, including the cost of veterinarian care. In Louisiana, vet bills are significantly lower than the national average at about 17.5 percent lower for dogs and almost 15 percent lower for cats. The state, in turn, ends up with some of the lowest cost pet insurance as a result.
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.
What do iHeartDogs Readers Think About Pet Insurance?
Is Pet Insurance Worth It? - We asked  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
More Popular Pet Insurance Resources
Thanks for reviewing our guide to comparing pet insurance brands. Below you find some additional pet insurance resources from iHeartDogs.com
- Compare Pet Insurance Quotes
- A Vet Explains What You Need To Know About Pet Insurance For Your Dog
- If You Don’t Have This Much Money Set Aside In An Emergency Fund, You Probably Need Pet Insurance
- Pet Insurance: Rip-Off Or Life-Saver?
- With Pet Insurance, Your Dog Is 4x More Likely To Survive A Medical Emergency
- Trupanion vs. Pets Best Pet Insurance: In-Depth Comparison
iHeartDogs is reader-supported. When you buy via links on our site, we may earn an affiliate commission at no extra cost to you.
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