Pet Insurance in Wisconsin

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

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

Wisconsin Pet Insurance FAQs

How Much Does Pet Insurance Cost In Wisconsin?

The price of a pet insurance policy in Wisconsin varies depending on a number of criteria, including breed, age, location, customizations, and discounts are all possible factors. You should expect to pay between $20 to $100 per month for a typical coverage. Many additional factors can affect the price, so you should shop around before deciding on pet insurance. Breed, age, location, customizations, and discounts are all possible factors. 

Pet insurance will cover between 50 and 90 percent of the cost, depending on all circumstances. In addition, a variety of discounts are available from several insurance carriers. Many, for example, provide discounts for multiple pets. Some will offer a discount if your pet has been spayed or neutered, while others will offer an annual premium reduction or even a military discount. 

Furthermore, plans vary depending on the sort of insurance policy you get. Accident-only policies, for example, are popular because they have lower premiums but do not cover wellness or illness. An accident and illness plan, on the other hand, will cover both, albeit at a higher cost. Wellness, preventative measures, savings, and options for elderly pets are common add-on options. You should expect rising prices depending on the coverage limits, plan type, supplementary coverage, and policy customizations.

How Much Does Dog Insurance In Wisconsin Usually Cost?

Before factoring in any criteria, dog insurance in Wisconsin costs between $17 and $98 a month. Costs for insurance are slightly lower than the national average in the state, providing customers with reasonable rates. However, these rates do not include the annual deductible and the percentage of out-of-pocket expenses.

Is It Worth Getting Pet Insurance For Dog In WI?

It is an excellent idea to purchase dog insurance if your dog is reasonably young and healthy, with no preexisting problems. Monthly premiums are substantially lower for younger dogs, and there is less of a chance that an accident or disease will be considered preexisting. In these situations, buying coverage will almost certainly be financially beneficial if your dog ever requires a pricey surgery. 

The monthly premium for older dogs or those with a history of illness and injury will most likely cost $60 to $70 per month. Furthermore, insurers may deny coverage if your dog has had previous illnesses or injuries. However, if your dog requires an expensive, life-saving treatment that is covered by your coverage, it will more than pay for itself. 

Finally, whether or not to acquire dog insurance is an emotional and financial issue. If a dog owner does not have insurance and receives a high medical bill, they will have to make a difficult option. However, suppose you do not have enough money in the bank to cover a significant treatment and can not bear the prospect of euthanizing your dog. In that case, you should consider purchasing a dog insurance policy.

What Is The Best Pet Insurance In Wisconsin?

Each insurance company has its own set of benefits and costs, so determining which is best for your family and pets is a personal choice. Lemonade, Embrace, Fetch, Figo, Spot, Healthy Paws, and Prudent Pet are some of the most popular choices in Wisconsin. 

However, there are a plethora of other options with less well-known names that may be advantageous to other creatures. Only you know your pet insurance budget and requirements. Investigate a variety of possibilities before deciding one is best for your family. To assist in building their business, locally owned or smaller businesses may give discounts or cheaper rates.

At What Age Should You Get Your Dog Pet Insurance?

The sooner you purchase puppy insurance, the better, as you will get the greatest rates. You may get pet insurance the day you bring your pet home. The majority of consumers purchase pet insurance within the first six months of owning a pet. Early coverage ensures that your plan will cover any changes in your pet’s health. Keep in mind that many insurance companies will not cover a puppy younger than eight weeks old. 

What Are The Disadvantages Of Pet Insurance In WI?

While insurance can save your dog’s life, this service has some downsides. First, you will be faced with a maximum benefit each year, regardless of the plan and carrier you choose. So, if your pet is prone to accidents or suffers from illnesses, you may still be responsible for a portion of the expense. In most circumstances, these types of injuries are not covered unless they are covered at the highest level or as an additional expense.

As all insurance companies work on reimbursements, you need to prepare for the upfront costs of vet visits and wait for the return. Additionally, if your dog already has a lot of health issues, the insurance ship has most likely sailed for you. Surprisingly, nearly no plans provide coverage for routine medical care. If you have recently purchased a puppy and believe that purchasing insurance is the best way to save money, think again. Wellness plans start at about $70 a month.

What Is An Annual Deductible In WI For Pet Insurance?

The annual deductible is the amount you need to pay before the insurance company starts reimbursing their assigned percentage. When choosing a plan, most providers provide you with a selection of deductibles to pick from, ranging from $0 to $1000. The lower the deductible, the higher your monthly premium will be because you will be paying less out of pocket before your insurance provider begins to reimburse you for your pet’s medical bills. 

Most firms have an annual deductible, but some may have a “lifetime per problem” deductible. Both are fine choices, but depending on your needs, one may be better than the other. If you choose an annual deductible plan, you will not be paid for any of your expenses until you have met the deductible for the current year. Any new diseases or accidents your pet develops during the year will be added to that single deductible. 

You will be responsible for paying your deductible for each individual condition your pet has, but you will only have to pay it once over your pet’s lifetime. Owners of pets with recurring or chronic illnesses will profit from this because they will not have to meet their deductible every year. In addition, once you have met your deductible for an issue, you will be compensated for the remainder of your pet’s life.

Does Pet Insurance Cost Increase With Age?

When purchasing any type of insurance policy, the rates are usually determined by the level of risk you provide to the insurance company. Pet insurance is no exception; when determining a premium, most carriers consider characteristics like your pet’s breed, health, and, most importantly, age. As a result, you should normally expect your premiums to rise as those risk factors rise.

What Is A Standard Annual Limit For Pet Insurance In WI?

A standard limit set by insurance companies starts at $5,000. However, if you want a higher limit, you can choose a higher premium. The plan’s maximum limits an insurance company’s claim payment. Maximum payouts vary by pet insurance company. Each pet insurer has different limits. The annual limit in pet insurance is the most popular and usually supplied by pet insurance companies of all the limitations listed. 

When insurance has an annual limit, it indicates that amount is the most they will pay toward your pet’s veterinarian bill in a given year. Remember that you will be responsible for the deductible and coinsurance. 

Can You Claim Animal Expenses On Wisconsin Taxes?

You can deduct some pet-related expenses in certain circumstances, but only if the pet is a service animal, a working animal, or a performing animal. You may be eligible to deduct expenses incurred while caring for foster animals, but only if you adopted the animal from a qualified non-profit organization.

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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Thanks for reviewing our guide to comparing pet insurance brands. Below you find some additional pet insurance resources from iHeartDogs.com

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