Pet Insurance in Minnesota

Choosing the right pet insurance company for you and your dog or other pets in Minnesota 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 Minnesota 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 & Dog Insurance in Minnesota

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

Minnesota Pet Insurance FAQs

Which Is The Best Pet Insurance In Minnesota For You?

The best pet insurance is one that will assist you financially in the event that your pet needs medical attention. Instead of focusing on the price of pet insurance, concentrate on what matters most: your pet’s health. Different sorts and amounts of care are required for different pets; thus, the optimal strategy will be determined by your pet. 

Your choice of pet insurance policy should be based on your pet’s individual requirements. That may mean going with Embrace for a strong preventative care plan for your puppy’s wellness treatment or Prudent Pet for its complete Ultimate Plan, which includes unlimited annual coverage. We recommend getting quotes from a few providers to compare pricing and options based on your location in Minnesota and your pet’s age, breed, gender, and species, no matter your needs.

What Are The Types Of Pet Insurance Plans In MN?

Unlike home insurance and other types of insurance, pet insurance is rather straightforward. It is usually divided into two plan types and preventative care endorsements that you can add to your coverage. Here are some more details about each plan type: 


An accident-only plan is the cheapest pet insurance option because it only covers your cat or dog in the event of an unexpected accident, such as injuries, toxic ingestions, swallowed items, or cuts. 

Comprehensive plans cover the same types of accidents as the other plan, but it also covers illnesses and other health difficulties like chronic disorders, allergies, cancer, hip dysplasia, and more. Because it is the most comprehensive choice, premiums may be higher. 

Adding a preventative care plan to your pet insurance coverage will help you cover the costs of basic care such as vaccines, wellness checks, microchipping, and other procedures. This is especially useful for pet owners with younger animals requiring more initial vet appointments as they grow older.

How Do You Choose The Right Pet Insurance Provider?

As a pet owner, you have probably discovered that routine inspections are the most regular costs for your animals, especially young dogs. Some insurers, such as Pets Best, cover the cost of the exam, but others do not. You may have to pay a higher monthly price to get them included with some insurers.


Depending on the insurance carrier and its fees, the money you have to put into your monthly premium may be greater than your out-of-pocket cost for one or two yearly checks. Pet insurance companies rarely cover pre-existing conditions. Additionally, if your pet belongs to a breed that is more susceptible to a certain medical condition, make sure you choose a provider that covers breed-specific and hereditary disorders. 

If you have a purebred pet, do some research on the breed to see if there are any health issues to be aware of. An unanticipated illness or injury that necessitates diagnostic testing, operations, overnight hospitalization, and medicines can be prohibitively expensive for many pet owners. Therefore, it is worthwhile to purchase a plan that covers these expenses and prevents you from having to euthanize your pet due to financial constraints. 

You should consider your pet’s breed and kind, as well as how often he or she visits the veterinarian. If your dog is older, he or she may require more frequent visits to the veterinarian. A more comprehensive plan with no maximum age limit on new enrollments may be the best option in this circumstance. However, if you have a younger animal, you may want to consider a plan that does not have lifetime reimbursement caps.

Is There A Waiting Period For Pet Insurance Policies In Minnesota?

To avoid covering pre-existing conditions, all pet insurance companies impose a waiting time before covering a pet’s health issues. The average time it takes to recover from an illness is 14 to 30 days. The typical length of time spent recovering from an injury is between 2 and 15 days. For particular concerns or breeds, some companies may impose extended waiting periods.


When Is The Best Time To Purchase Pet Insurance For My Pet?

If you obtain insurance when your pet is young, you will get the greatest value. Although some providers have a minimum age requirement, it is best to cover your pet as soon as they reach this age, which is usually no more than a few months. Ensuring older animals are more likely to develop costly conditions can save you money in the long term, but monthly premiums will be higher. 

Serious disorders, such as cancer, can cost tens of thousands of dollars to treat. It is never pleasant to put your pet down, but it is preferable if it is for compassionate treatment rather than because the medical bills are too great. Because a policy is unlikely to cover a pre-existing condition, it is critical to ensure your pet before they become ill.

Is It Worth Getting Pet Insurance For A Dog?

Yes, because we know you would go to any length and pay any price to keep your pet healthy and happy. Veterinary expenditures are an unavoidable part of owning a pet, and these visits may add up quickly. The average dog owner has spent at least three thousand dollars on a necessary vacation. 

 


Accidents happen in life, and emergencies may arise at an inconvenient time. Therefore, it is worth considering whether the danger of high out-of-pocket expenses is more financially possible for you than the cost of monthly insurance. In Minnesota, veterinarians’ flat costs may make an insurance plan a more affordable option.

Furthermore, pets in Minnesota have several health obstacles that make ensuring them the best way to maintain their health and lifestyle. In Minnesota, leaving dogs outside too long is unhealthy due to the harsh summer and winter extremes. Roaming dogs often encounter other dogs or even deadly animals such as mountain lions. Beware of coyotes and black bears in forests and national parks, as both predators threaten your dog’s safety. 

How Much Does Pet Insurance Cost In Minnesota?

The costs for the monthly plan range from $12 to $116 in this affordable state. Although the rates for veterinarian care are almost ten percent higher in Minnesota, insurance for your pet remains affordable with some of the lowest prices in the nation. 

Of course, you need to consider the additional costs, such as the deductible you will have to pay before insurance reimburses you. Also, you need to consider how much the plan covers after the deductible. Some insurance companies cover 100 percent (for a much higher premium), while other companies will cover 70 to 90 percent of the costs. You may also have to cover anything, not under your policy’s umbrella.


Residents in Minnesota should look into the Minnesota Benefit Association for lower-cost pet insurance through Nationwide. 

What Is The Average Monthly Payment For Pet Insurance In MN?

In Minnesota, the average cost of dog insurance is $34 per month. The cost of pet insurance in Minnesota varies based on your zip code and the specifics of your pet, but a regular accident and illness policy should cost between $15 and $80 each month.

How Much Is Pet Insurance Per Year?

The annual insurance cost is the monthly rate times twelve, along with your deductible. For example, if you have a monthly rate of $34 a year with a deductible of $500, you will pay $908 a year. 

How Much Is Pet Insurance For An Older Dog In MN?

Older pets are more prone to health difficulties due to their age; they can be more expensive to insure. Depending on the breed, location, health concerns, and your insurance policy, a dog five years and older will cost between $17 and $116. Every company has a different price gage, so always check ahead of time to know what to expect in the future.


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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