Choosing the right pet insurance company for you and your dog or other pets in Nebraska 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 Nebraska 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 Nebraska
Let’s take a deep dive into the features and benefits of each of the major pet insurance brands here in Nebraska 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:
Nebraska Pet Insurance FAQs
Can You Claim Animal Expenses On Nebraska Taxes?
Only working, performance and service dogs are eligible for tax incentives; typical family dogs are not. Even though you cannot deduct the costs of veterinary care for pets, you might be able to for service animals. Service animals include, for instance, seizure dogs for persons with epilepsy and guide dogs for people with hearing or vision impairments.
Guide dogs who help persons with vision, hearing, mental, or other medical issues can claim this deduction. You must prove a pet’s primary function is medical care or pain reduction while claiming “emotional support,” Again, this requires extensive paperwork, including a doctor’s certification that your pet can treat a documented ailment or condition.
Most pet-related deductions go to animal organizations. Adoption fees are not tax-deductible, but shelter donations are. You can deduct food, supplies, transportation, and veterinary expenditures if you foster an animal from a qualified charity.
Do Pet Insurance Premiums In Nebraska Go Up With Age?
Your pet’s age affects your insurance rate. It is a widespread misperception that it only increases as your pet ages. Older pets have more health concerns like humans; thus, their insurance costs more. In addition, as they get older, they are more likely to have health complications. However, your pet’s first year or two are the most susceptible to congenital and hereditary illnesses.
Does Pet Insurance Cost More For Certain Breeds In Nebraska?
It is possible that the breed of your pet puts it at a greater risk of contracting certain diseases. For instance, hip dysplasia is more common in German Shepherds, Boxers, and Labrador Retrievers than it is in Beagles, Poodles, and Pomeranians. There are inherent dangers associated with every breed. However, some genetic illnesses are more expensive to treat than others, which is why your pet’s breed will impact the cost of your insurance premium.
How Does Zip Code Affect Pet Insurance In Nebraska?
The cost of living in your zip code area affects the prices of virtually all of the things you purchase. For example, there is a direct correlation between the cost of living in a location and the amount of money you may anticipate spending on pet insurance. If a family in Omaha pays $50 per month for pet insurance, they should anticipate spending approximately $100 per month once they relocate to New York because of the difference in cost of living.
Is It Worth Getting Pet Insurance For Dogs?
Weighing the total cost of insurance against the expected cost of your pet’s medical care will determine whether insurance will be beneficial for your pet. The next concern is how much a pet insurance policy would cover those expenses.
Pet insurance will pay off handsomely if your pet develops a significant health problem for which treatment could cost thousands of dollars. The same is true if your dog is accident-prone or lives in unsafe conditions. Although, if your pet’s medical care is routine and unremarkable, you probably will not be able to recover your expenses.
First, preventive and routine visits and exam costs are typically not covered by insurance policies; therefore, it is doubtful that you will be compensated for routine checks and immunizations. Pet insurance benefits depend on the coverage whether or not pet behavioral therapy and dental care are covered. Pet life insurance will not be included in the coverage, but cremation and burial fees might be.
In conclusion, many pet owners could be better off saving up money for unexpected medical expenses. However, many people cannot afford to save for a pet accident. Pet insurance can make a much more affordable option broken up into monthly payments.
Is Pet Insurance Worth It For a Senior Cat?
Finding insurance may be more difficult the older your pet is. If your cat is older than 10, you should look for a firm with a greater age restriction or no limit.
Older dogs and cats will cost more to insure with pet insurance than younger animals. In addition, every time you renew your policy, the cost can increase due to the higher chance of making a claim.
If you are debating whether it is worthwhile to purchase pet insurance for an elderly dog or cat, take into account life expectancy, covered ailments, and the overall costs. Only you can determine if the benefits are worth the costs, but usually, the prices are much higher than most people can afford.
Is Spaying Covered By Nebraska Pet Insurance Providers?
No, spaying is not included, but several leading insurance companies give customers the option to buy a wellness plan, protecting against the cost of routine and preventative medical procedures. It is possible that wellness plans will include sterilization as a covered procedure, but this will depend on the provider.
What Are The Advantages Of Pet Insurance?
Pet insurance will not prevent mishaps and sicknesses from happening to your pet. However, insurance will enable you to make treatment decisions for your dog more quickly in an unexpected emergency. You can then focus your attention on the well-being of your dog and the ways in which he might improve rather than fretting over your financial situation.
You can pay monthly, quarterly, or yearly for pet insurance, and it helps you save money on unforeseen veterinary expenses. For this reason, you may be able to approve treatment for your pet’s existing medical conditions. For example, if your dog has cancer, a pricey surgery may extend his life. However, if your pet does not have insurance, you can not pay for a lifesaving operation.
What Is Annual Deductible For Pet Insurance?
Before insurance pays, you must pay the deductible. Standard deductible amounts are $100, $250, $500, $750, and $1,000. You will be responsible for paying this amount before your insurance starts to reimburse covered expenses, which is on top of your monthly payments.
What Is Not Covered By Pet Insurance In Nebraska?
Pet insurance does not cover preventative treatment, such as routine checkups, dental work, or vaccines, unlike health insurance for people. Only unpredictable events like ear infections, broken bones, and chronic illnesses warrant purchasing pet insurance. Although, you can add wellness care to your coverage policy for more money.
Preexisting conditions are not covered by insurance, nor is care for abused or neglected animals, including treatment for diseases that may have been averted with immunizations. Therefore, insurance companies will not pay for your dog’s treatment if he catches Bordetella (kennel cough) and is not vaccinated. Always check with the insurance company to find out what they do and do not cover.
What Is Routine Care Pet Insurance?
It is crucial to maintain a regular wellness care schedule to assist in the prevention of common diseases and the early detection of health problems for pets. Depending on the policy, you may be able to purchase an additional wellness plan or package for your pet at an additional cost each month. This added wellness coverage is intended to assist you in budgeting for and planning for preventative care services (like vaccinations and parasite screening tests), which veterinarians recommend to help keep pets healthy throughout the year.
What Is The Average Cost Of Pet Insurance Per Month In Nebraska?
The average cost of pet insurance in Nebraska for dogs is about $35 a month. However, the prices can change dramatically depending on age, breed, location, and health, among other factors. You can expect the monthly cost to range from $13 to $98 for dogs. As veterinarian care in Nebraska tends to be about 11 percent lower than the national average, the costs are quite affordable.
Who Has The Cheapest Pet Insurance In Nebraska?
Lemonade offers the lowest prices, with dog insurance averaging $23 a month depending on your coverage. Figo offers very similar rates as does Pawp, Spot, Embrace, ASPCA, Prudent Pet, and Pet’s Best insurance.
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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