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Best Pet Insurance in Louisiana of 2025

Lisa Scott

If you like having a good time, Louisiana has plenty of options for families visiting or staying in the state, as well as plenty of amusement for your four-legged family members. You’ll be happy to find that there are lodgings, a variety of interesting activities, and even exquisite delicacies available, all with beautiful mountain views.

Bars and restaurants in Louisiana allow pets outside dining, which is ideal for enjoying the pleasant weather and people watching in the spring and fall. However, you should be aware that these activities may put your pets at risk, as those mountains are home to numerous wild creatures. Accidents are most likely to happen, which is one of the reasons you need pet insurance in the first place – for such unforeseeable emergencies.

Purchasing a pet insurance plan for your pet can help you save money and lessen the expense of your pet’s health care in the event of an emergency. Learn more about pet insurance in Louisiana by reading on.

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 Louisiana? 

Several significant considerations in Louisiana make obtaining an insurance plan worthwhile. The weather in this state can be extremely hot, making it difficult for pets to cool off, causing their temperatures to rise dangerously high. This can exhaust your pet, leaving it vulnerable to sickness.

Furthermore, Louisiana is home to a multitude of harmful species, including potentially lethal beasts and bugs. In Louisiana, you must keep an eye on your pets for everything from reptiles to insects to marine life.

As spring gives way to summer and more of these species emerge from hiding, whatever preparations you have for the outdoors should be done with caution.

When you consider your options if something goes wrong, the expense of veterinary care is quite considerable. It is worthwhile to consider pet insurance because it can help you save money. It can assist in the payment of large vet fees that may arise as a result of emergency treatment.

Insurance can help you prepare for unforeseen events and reduce your out-of-pocket expenses. Depending on the plan you choose, pet insurance can reimburse you up to 100% of the cost of treatment. You don’t expect to use it, just like any other sort of insurance, but if anything unexpected happens, you’ll be grateful you have it.

What are the types of pet insurance plans? 

Generally, three types of pet insurance coverage plans exist among different insurance companies. They are accident, illness, and wellness; however, some insurers provide other tailored plans, but these three are the most common.

  • Accident-Only Plans: This insurance plan covers only treatments for unexpected injuries. These are insurance policies that cover accidents caused by insects or wild animal bites, as well as your pet being hit by a vehicle. This is one of the programs that doesn’t take your dogs’ age into account while giving them treatments. If you have older pets, accident-only insurance may be the best option because it reduces medical costs.
  • Accident and Illness Plans: This is the most recommended plan in Louisiana for various dogs, especially if you desire comprehensive coverage. The most frequent pet ailments are covered by accident and illness plans. Medication, x-rays, hospitalization, and surgery are among the services covered. However, while this approach may be beneficial, most insurance companies take age into account.
  • Wellness Plans: Some insurers provide wellness plans as stand-alone policies, while others include them as standard coverage. It’s primarily for your pet’s health maintenance and includes things like microchipping, vaccines, and vet exams, among other things.

What does pet insurance in Louisiana cover and exclude?

Pet insurance providers in Louisiana cover the cost of pet health disorders caused by accidents as well as illnesses like hip dysplasia, genetic difficulties, chronic conditions, and cancer. The following are a few of the subjects that were discussed in further depth:

  • Accidents
  • Dental Illnesses
  • Behavioral Therapy
  • Illness
  • Specialty Care
  • Breed-Specific & Genetic Conditions

Preexisting diseases, pregnancy, preventative care, and various vital health examination fees are all excluded from most pet insurance policies. So, if your pet had a health problem before you received insurance, it’s possible that the insurance won’t cover it.

How much does pet insurance cost in Louisiana?

Pet insurance premiums in Louisiana typically cost less than $150 per month; however, prices vary depending on some criteria, including:

  • Age: The rates you will pay are determined by the age of your dogs. This is because as pets age, they become more susceptible to health issues; older pets may become ill more frequently, and recuperation may take longer than usual.
  • Species: Because particular species are more prone to certain unusual ailments like joint difficulties and hip dysplasia, your pet’s species can increase the cost of your premium. Treatment for these illnesses is also more expensive.
  • Breed: The same rule for species applies to certain breeds of pets which makes them more expensive than others. And this is attributed to their susceptibility to certain diseases.

What are the veterinary costs in Louisiana?

Veterinary costs in Louisiana, like in other states, are quite costly. Here are some nationwide average costs for several services:

  • Physical exams: $35 to $65
  • Fecal exam: $20 to $55   
  • Heartworm test: $40 to $50   
  • Dental cleaning: $65 to $500

For instance, here’s an estimate of treatment for pets:

  • Spider bites: around $1,000.
  • Diabetes: roughly $6,000 each year.
  • Ear infections: around $2,000 to $3,500
  • Cancer: $4,000 – $20,000
  • Dog Hernia: $650 – $1,500
  • Ear Infection: $2,500-$4,500

However, factors such as your insurance plan, your pet’s age, and the ailment you’re treating combine to determine the majority of your vet bill.

How to choose the best pet insurance in Louisiana 

Comparing pet insurance quotes from a variety of companies is the most effective way to get a policy that matches your budget. You can get a quote from a pet insurance provider that suits your criteria by filling out a form on the firm’s website.

Insurance quotes will show you how much you’ll spend and what kind of coverage you’ll get. Obtaining many insurance quotes will assist you in locating the most cost-effective insurer for your needs.

If you prefer to speak with someone directly, you can speak with an insurance company representative or an independent insurance agent.

Don’t forget to look into the effectiveness of pet insurance providers by reading online reviews. Check out what other pet parents have to say about different pet insurance companies to see which ones provide the finest service and low-cost premiums.


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