Best Pet Insurance in Nebraska of 2023

Lisa Scott

Having a pet will require a lot from you, such as paying for vet bills, feeding, and medical bills in case of an emergency. If you love your pet so much, you won’t want to lose your pet to the rescues because you’re not offering proper care. 

Pet insurance offers pet owners the privilege of reducing the cost of expensive vet bills and it comes in handy when an emergency occurs. 

However, with the many pet insurance companies in Nebraska, you should go for the one that will give your pet the required care. This is because they might be specific care your pet needs that certain insurance companies offer. 

In this article, we will give you the specifics to look out for when choosing insurance for your pet. 

Extensive coverage to help keep your pet healthy


Coverage Up To




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 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 Paid Endorsement.

Affordable prices with a fast reimbursement process


Coverage Up To

70% - 90%



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

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


Coverage Up To




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

Short waiting periods on accidental coverage


Coverage Up To

50% - 100%



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

Provides holistic therapy coverage


Coverage Up To

70% - 90%



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

Quick claims process


Coverage Up To

70% - 90%



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

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


Coverage Up To

70% - 90%

Reimbursement Rates


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 Nebraska

Out of a large number of pet owners in Nebraska, a good number of them may not be able to pay for expensive vet bills. Also, you can not predict the period your pet will fall sick, or get accidental injuries and how much the treatment will cost. 

Struggling with your pet’s medical bills can be frustrating and defeat your reason for getting a pet. Hence, the responsibility of taking care of your pet and nurturing it in good health will not be burdensome if you get pet insurance. 

With pet insurance, you can rest assured to have peace of mind because your insurer will cover the expenses for treating your pet. 

When you get pet insurance in Nebraska, you have the opportunity to use it to get treatment for your pet at a licensed veterinary clinic. Your pet will receive proper treatment depending on the type of plan you buy.

What Are the Types of Pet Insurance 

With proper knowledge of the types of pet insurance plans, you’ll be able to know which plan will best fit your pet. However, there are four types of pet insurance and they include.

  • Accident- Only Pet Insurance

This plan only offers coverage for your pet medical bills for accident-related treatments. Apart from this, your insurer will not reimburse you for the cost of treatment when your pet falls sick.  

Under this plan, not all companies offer coverage for older pets. Rather, an older pet can benefit from this plan if you enroll them at an early age. 

  • Accident- Illness Pet Insurance

Accident and illness pet insurance covers the cost of treatment for accidents and illnesses inclusive. This plan seems to be more comprehensive than the accident-only plan. 

If you enroll your pet under this plan and need urgent medical attention as a result of an illness, the plan will cover your medical expenses. That is to say, your insurer will reimburse you a portion of the amount you spent on the medical bills, usually above 50%. 

  • Accident, Illness, and Wellness Plan

This plan offers complete coverage for your pet. Under this plan, your insurer will cover the cost of treatment for injury, illness alongside your pet’s wellness care. Also, this plan covers emergency care.

Many insurance companies don’t offer wellness care as a pet insurance plan, rather it’s offered as an add-on to the accident and illness plan. This will include the vaccinations, routine checks, and preventive care your pet requires.

What Does Pet Insurance in Nebraska Cover and Exclude 

Majorly, the list of coverage a company offers is linked to the type of plan a pet owner buys. If your plan doesn’t include coverage for illnesses, you won’t be reimbursed when there’s an emergency that’s related to illnesses.

However, pet insurance in Nebraska offers coverage for several accidents, illnesses, preventive care, and other cases losses below

  • Accidents: Poisoning, cuts, broken lines, foreign body ingestion, surgery, torn cruciate ligament,and bloat.
  • Illnesses: Vomiting, cancer, Giardia, pneumonia, and  diarrhea
  • Vet Services: Procedures, diagnosis, testing, medications, lab work, prescription, examinations, preventive care, routine checks, and spay/ neuter operations. 
  • Health Conditions: hereditary conditions, genetic conditions, and  patellar location.
  • Severe conditions: Arthritis, hip and elbow dysplasia, polycystic, and kidney disease. 

Generally, many companies don’t include pre-existing conditions, breeding, pregnancy care, cosmetic procedures, and DNA testing or cloning,  grooming, training, to the list of coverage. 

How Much Does Pet Insurance Cost in Nebraska 

Pet insurance costs are necessarily not expensive but are different among several companies. Moreover, insurance costs for dogs are higher than for cats because dogs are prone to injuries and accidents compared to cats.

Insurance costs for dogs in Nebraska range from $30- $80 per month and $20 -$30per month for cats. They are key factors you need to consider that affect the cost of a pet, we’ll list them out below.

  • Age of pet
  • Specie
  • Breed
  • Weight and height
  • Location
  • Reimbursement rate
  • Type of plan
  • Common or regular risk in the area
  • Policy provider
  • Deductible
  • Payout limit
  • Waiting period 
  • Terms of policy
  • Length of policy

Paying a small amount of money monthly will make it possible and easier to pay for your pet’s treatment, that’s what makes insurance worth the cost. This is one reason many pet owners go for pet insurance, not minding the age, breed, or location. 

What Are Veterinary Costs in Nebraska 

With the several challenges that come with owning a pet, it’s expected that you have a vast knowledge of vet bills in Nebraska. Knowing this will give you an idea of how much pet insurance will cost if you’re looking for the best insurance plan for your pet. 

Amidst feeding your pet properly, and buying the relevant toys for recreational activities, your per deserves proper care from a vet clinic. There are a lot of vet clinics in Nebraska that provide these services to ensure your pet sustains a perfect health condition. 

Veterinary cost for various services is listed below. 

Vet services           Cost

Routine services      $120

Heartworm test        $50

Vaccines                  $50 (per shot)

Physical exams       $45

Allergy testing         $230

Dental cleaning       $180

How to Choose the Best Pet Insurance In Nebraska?

Every pet should be given the privilege of pet insurance. In choosing the best pet insurance for your pet in Nebraska, you should know that all pets are not the same. Several features differentiate one pet from another. 

Hence, the best pet insurance for a golden retriever might not be the best for a chihuahua in Nebraska. Also, if you have a puppy or a kitten, what will be the best insurance for them might not be the same for an older dog or cat. 

If you want to choose the best pet insurance in your location, you’ll need to consider the coverage limit, annual deductible, and reimbursement rate. These factors are all anchored on your budget and financial stability. 

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