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Best Pet Insurance in Indiana of 2024

Lisa Scott

Indiana is known for fun outdoor activities, and it attracts a large number of families from different areas including pet owners. Indiana is a flat state with a lot of agriculture that is worked all year. All of this combines to make Indiana one of those places where you’ll always need companions to have a good time when you’re outside.

Pets are highly essential friends in Indiana, both inside and outside the home. However, in order to return the care to these pets, you may need to establish plans for their care in case something unexpected happens to them. And, that is what a pet insurance policy is all about. Read on to learn more about Indiana pet insurance options.

Super-extensive accident & illness coverage

$20,000

Coverage Up To

90%

Reimbursement

Overview

Pumpkin offers high-quality pet insurance plans for cats and dogs as well as an optional non-insurance preventive care plan for vaccinations, key tests and wellness exams, which will help to keep your pet happy and healthy through their life. You can travel with your pet in Canada or the US and can get access from any licensed vet in these countries. The platform is entirely digitized and serves as a one-stop-shop for all your pet's healthcare needs.

Pumpkin will cover up to $20,000 for dogs and $15,000 for cats annually.

What we like

  • Extensive coverage on multiple health issues
  • Optional preventive care plan that reimburses in full for annual wellness exams and vaccines
  • No exclusion on breeds or older pets
  • Offers a Fur Family Discount on multiple pets
  • Healthcare coverage in Canada and the US

What we don't

  • Pre-existing health conditions not covered
  • Pumpkin only covers dogs and cats

Pumpkin Advertiser Disclosure: Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/insurancepolicy. Products, discounts, and rates may vary and are subject to change. Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company (NAIC #21113, Morristown, NJ) and produced by Pumpkin. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states. For full terms, visit pumpkin.care/customeragreement. Paid Endorsement.

Multiple options for wellness plans

$100,000

Coverage Up To

90% - 100%

Reimbursement Rates

Overview

Wagmo began by providing stand-alone pet wellness coverages. Today, it has expanded its portfolio to include customizable pet insurance coverage.

What we like

  • Customizable policies
  • Variety of wellness plans
  • Fast reimbursements
  • High incident limits
  • Visit a vet of your choice

What we don't

  • 15 day waiting period on accident policy

Affordable prices with a fast reimbursement process

$100,000

Coverage Up To

70% - 90%

Reimbursement

Overview

Lemonade has earned a stellar reputation in the pet insurance industry with its affordable monthly premiums and fast reimbursement of claims with its AI technology. This technology has attracted thousands with its customizable policies and provides comprehensive coverage on illness and accidents to dogs and cats.

What we like

  • Customizable plans so you only pay for coverage that your pet needs
  • Claims are reimbursed in minutes
  • Affordable monthly premiums starting at $10/month
  • Comprehensive wellness plans to keep your pet in good health
  • Pay deductible once per year and not per incident

What we don't

  • Lemonade is only available in 33 states
  • Certain hybrid breeds may be denied

Short waiting periods on accidental coverage

$25,000

Coverage Up To

50% - 100%

Reimbursement

Overview

MetLife Insurance offers pet insurance for cats and dogs and is known for the shortest waiting periods in the industry.

What we like

  • No restriction on breeds and pet age
  • Customizable annual benefit limits
  • Short waiting periods accidental coverage
  • Flexible deductibles from $50 to $2,000
  • No incident limits

What we don't

  • Wellness treatment not included (optional add-on)
  • Pay first out of pocket and reimbursed later

Quick claims process

$10,000

Coverage Up To

70% - 90%

Reimbursement

Overview

Spot will insure older animals and provides a multi-pet discount when you insure two or more pets

What we like

  • Multi-pet discount
  • No upper age limit
  • Quick claims process
  • Fast and simple filing of claims
  • Optional no lifetime limits or caps on payouts

What we don't

  • Customer service limited to weekdays
  • 14 day waiting period

Pre-existing conditions and 6 pets covered for $24/m

$3,000

Coverage Up To

100%

Reimbursement

Overview

Pawp offers pet owners an emergency fund up to but not exceeding $3,000 annually. The platform is different from other traditional pet insurance agencies as it does not require you to provide a medical examination report before enrolling your pet. Whether your pet is healthy or has been diagnosed with a pre-existing condition, you can still enroll it and access the emergency fund when the need arises.

With no deductibles and low monthly premiums as low as $24, the digital platform will protect your furry friend during an incident and save money from large vet expenses. Although the agency does not provide any limitations on age, it is best to insure your pet while still young and be prepared in advance when an emergency occurs.

What we like

  • Monthly premiums as low as $24
  • Allows coverage on 6 pets for $24 a month
  • Allows enrollment of pets with pre-existing conditions
  • 24/7 unlimited access to Pawp’s virtual vet doctors

What we don't

  • Coverage is restricted to healthcare emergencies only
  • Does not offer wellness coverage
  • Emergency funds can be accessed only once per year

Provides holistic therapy coverage

$15,000

Coverage Up To

70% - 90%

Reimbursement

Overview

Fetch covers various conditions and offers holistic therapy coverage.

What we like

  • Covers examination fee during vet visits
  • Holistic therapy coverage
  • Comprehensive dental coverage
  • No penalty for multiple claims
  • No upper age limit for the pets

What we don't

  • Offers a single plan
  • No preventive care plans
  • No multi-pet discount

No age limit on pets - older dogs and cats are covered

Unlimited

Coverage Up To

70% - 90%

Reimbursement Rates

Overview

Prudent pet has excellent coverage for your pet regardless of their age. The insurer can customize your plan from illnesses, medications, accidents to preventive care that will fit your pet's needs and financial situation. This plan will give you peace of mind that you won't break the bank with unlimited coverage if an emergency occurs since treatments tend to be more expensive for older pets.

What we like

  • Older cats and dogs are covered
  • Customize your plan to fit your pet's needs and financial situation
  • Customers from US can get covered in Canada as well
  • Unlimited live vet chat if an issue occurs with your pet
  • 10% multiple pets discount

What we don't

  • Pre-existing health conditions not covered
  • Wellness add-ons can get expensive

Is pet insurance worth it in Indiana?

Pet insurance is worth purchasing in Indiana. If you don’t have the financial resources to help your pet when they have health problems or are involved in an accident, you may lose them. Pet insurance is akin to getting ready for the rainy season ahead of time. It allows you to set money away for your pets in case something goes wrong.

When traveling or residing in Indiana, it’s crucial to remember to dress appropriately for the weather! Temperatures in the summer might reach as high as 95 degrees. The coldest temperatures in the winter might be as low as minus 30 degrees! All of these things might not sit well with your dogs. They can get hypothermia, frostbite, and any other cold-related issues that humans do.

Ticks carry and spread a variety of diseases, including spotted fever, tularemia, and Lyme disease, which can infect pets. Lyme disease is a contagious infection that can be fatal if not treated, and it can be difficult to identify and cure in both humans and pets.

When any of these things happen to your pets, the best and most cost-effective way to treat them is to purchase pet insurance. Visiting a veterinarian can be very costly. Pet insurance is the greatest solution for most pet owners to protect themselves against financial difficulty caused by a pet’s accident or illness.

What are the types of pet insurance plans?

In general, there are three types of pet insurance, while each insurer may offer tailored plans that cover additional conditions. The following are the three most frequent insurance plans in Illinois:

  • Accident and illness plans: If your pets are being held down by accidents or sickness, accident and illness plans can be a huge help. This plan can help you deal with unexpected veterinary expenditures because certain insurance will cover up to 85% of the cost. However, not all veterinary expenses are covered. You can get compensated for the costs of severe and minor illnesses like cancer, arthritis, hypothyroidism, ear infections, digestive disorders, and urinary tract infections if you have illness coverage (UTIs).
  • Accident-only plans: In Indiana, accident-only plans are a less expensive option for pet insurance. It will solely cover accident-related injuries. This type of plan may not be the best for your pet, but it’s what you can afford or what you think is best. An accident-only plan may be the best option depending on the type of physical activities you engage in with your pets.
  • Wellness plans: In most cases, a pet wellness plan in Indiana will assist cover the price of routine veterinary appointments, like checkups and preventive care. Wellness plans are for routine veterinary treatment and are sometimes available as an add-on to your pet insurance policy. This plan covers a variety of needs, so you won’t have to pay a lot of money out of pocket if your pet needs to go to the vet.

What does pet insurance in Indiana cover and exclude?

The pet insurance coverage in Indiana covers the following conditions:

  • Illnesses
  • Accidents
  • Hereditary Conditions
  • Congenital Conditions
  • Chronic Conditions
  • Diagnostic Treatment
  • Cancer and Chemotherapy
  • Surgery and Hospitalization
  • X-Rays, Blood Tests, Ultrasounds
  • Surgery
  • Prescription Medications
  • Emergency Care
  • Specialty Care
  • Alternative Treatment

The following are some of the conditions that pet insurance companies in Indiana do not cover:

  • conditions that already existed
  • Some critical disease examination fees or preventative care, such as annual check-ups, immunizations, spay/neuter operations, and teeth cleaning, may be required.

How much does pet insurance cost in Indiana?

In Indiana, it is customary for pet insurers to assess the cost of pet coverage based on the pet’s age, breed, zip code, species, and other characteristics. The price of a Golden Retriever dog of various ages in different places and the price of other species may vary. A one-year-old mixed breed dog might cost $30-$40 per month, whereas a three-year-old Golden Retriever might cost $35-$45 per month. Cats are less expensive; for example, a three-year-old Domestic Shorthair cat costs $20-$25 a month.

With our tailored plan and applicable savings, you may create affordable coverage. You can choose how you wish to split your veterinary expenditures with the insurance company with customized coverage. So, if you choose a $500 deductible and a $10,000 maximum, you’ll have superb major medical pet insurance that won’t cover minor mishaps but will cover the bigger ones. You might personalize pet insurance coverages for each pet to ensure that they are adequately protected. You have the option to customize:

  • Your maximum annual cost, which includes the ability to purchase plans for $2,000, $5,000, or $10,000 per year.
  • Annual Deductible: You may be able to choose from plans that cost $100, $200, or $500 every year.
  • Choose from a 10%, 20%, or 35% co-payment.

What are the veterinary costs in Indiana?

Emergency veterinary care that necessitates hospitalization for 1-2 days costs $600-$1800 on average, while surgery can cost up to $5,000. Veterinary costs in Indiana vary depending on the ailment, but hopefully, this provides you with an idea of how much treatment might cost if your dog or cat needs it.

  • Cushing’s Disease – $500 to $2,000
  • Degenerative Spinal Stenosis – $2,500 to $5,000
  • Cruciate Ligament Tear – $2,700 to $10,00The curvature of the Spine – $5,000 to $10,000
  • Degenerative Valve Disease – $7,000 to $15,000
  • Dilated Cardiomyopathy – $9,000 to $20,000

How to choose the best pet insurance in Indiana 

You may need to compare quotes from several insurance providers to get the best pet insurance providers for your pets in Indiana. It will equip you with the right information for various insurance policies, and you may be able to discover the finest coverage for your budget.

The level of coverage and deductible you want will decide the best pet insurance plan for you. Pet insurance costs vary depending on the type of policy chosen and the features of the insured pet.

Another option for finding the top pet insurance carriers in Indiana is to hire an independent agency to research for you.


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