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Best Pet Insurance in Wyoming of 2022

Lisa Scott

Enrolling your pet in an insurance plan is one good decision that will be of great importance to the well-being of your animal friends. It is important because your pet can accidentally get injuries in the cause of an accident or other unforeseen circumstances such as illness.

Pet insurance can also cover the cost of your pet’s routine checks, preventive care, examinations, and testing. However, if you want to get the best insurance for your pet, there are certain factors you should consider. Here, we’ll guide you through the process of getting the best insurance in Wyoming.

Extensive coverage to help keep your pet healthy

$20,000

Coverage Up To

90%

Reimbursement Rates

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.

Short waiting periods on accidental coverage

Unlimited

Coverage Up To

70% - 100%

Reimbursement Rates

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

Affordable prices with a fast reimbursement process

$100,000

Coverage Up To

70% - 90%

Reimbursement Rates

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

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

$3,000

Coverage Up To

100%

Reimbursement Rates

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

Is pet insurance worth it in Wyoming?

A lot of pet owners would love to care for the health of their pets just the way they care for their human health by buying an insurance policy. Some others ask the question “is it worth it to get pet insurance for your pet in the state of Wyoming?”

If you have a pet that has hereditary issues or illnesses that are significant to the breed, you would need to register your pet early. This is so that when unexpected illnesses occur, they’ll get the best healthcare possible.

Moreover, before you enroll your per under an insurance policy, you’ll need to compare the insurance cost to the monthly vet cost. 

What types of pet insurance plans are in Wyoming?

For a proper understanding, let’s explore the types of insurance you can find in the state of Wyoming.

  • Wellness plan: A wellness insurance plan only covers your pet’s lifetime cost for routine checkups, exams, and preventive care. However, it will not include the cost of medical bills for accidents. In this case, you might have to make cash payments or use your credit cards which will hurt your budget. That’s why you should enroll your pet under a more comprehensive plan that could reimburse you when an emergency arises. 
  • Accident-only plan: An accident-only plan will cover the cost of treatment in case your pet gets involved in an accident such as falls resulting in broken bones, etc. Hence, your monthly premium might be anchored on the age of your pet. This is because the cost of treating an older pet is costlier than that of a younger pet. So, if you have a puppy or a kitten, now will be the best time to enroll your pet under this plan. 
  • Accident and illness plan: This insurance plan covers the medical bills that will be incurred when your pet falls sick or gets injured. Under this plan, you can also include emergency treatments for accidents and illnesses. So, when registering for this plan, ensure to take note of the list of things it covers, the coverage might vary from company to company. In doing this you will be able to compare the quoted prices different companies offer for this plan.

What does pet insurance cover and exclude? 

In most cases, a veterinarian will advise you to choose a plan that offers full coverage because an emergency might occur at any time. In the state of Wyoming, pet insurance policies typically cover the list of things below:

  • Vaccinations: Most insurers cover annual vaccines against core diseases like rabies, canine distemper, and feline panleukopenia. Some also cover vaccinations for other conditions such as Lyme disease and West Nile virus.
  • Treatment for illness or injury: This includes emergency medical treatment for an illness or injury. This policy also covers x-rays, medications, and surgery.
  • Routine and preventative care: This includes wellness exams, routine lab tests, and other regular maintenance services you may be seeking for your pet. Heartworm testing and flea/tick preventatives are also included.
  • Diagnostic testing: This includes imaging such as ultrasounds, CT scans, MRIs, and more.

The following is a list of exclusions you should be aware of when looking at pet insurance policies:

  • Treatment or diagnosis of pre-existing conditions: Pet insurance will not cover the cost for treatment or the diagnosis of pre-existing conditions.
  • Injury or illness with intent to cause harm: Pet insurance will not cover injuries or illnesses that were provoked by abuse, neglect, self-mutilation, or any other intentional act on the pet owner’s part.
  • Breeding, pregnancy, and whelping: Pet insurance does not cover expenses related to breeding, pregnancy, or the whelps (i.e., newborn pups) if the mother dog dies during pregnancy or the whelping process. This would include transportation costs to and from the veterinary clinic, medications, and surgeries related to whelping.
  • Additional veterinary facility fees: If your veterinarian charges more than the fee agreed upon in your policy, pet insurance will not cover the difference.
  • Elective veterinary procedures: Any elective veterinary procedures will not be covered by the insurer in a basic plan. Examples of these procedures include dental care, routine surgeries such as spaying (for females), neutering (for males), and declawing. However, many policies do offer an add-on option if you would like to have coverage for elective care.

How much does pet insurance cost in Wyoming?

Good guidance on searching for the cost of insurance for your pet would be that you consider various factors. They include the type and breed of pet, type of plan, the cost for coverage, age of pet, deductible, and the number of pets. 

An average cost for pet insurance in Wyoming is $150 per month considering those factors and more. Majorly, vet bills for dogs are costlier than cats, so if you have a dog, your monthly insurance premium will be higher compared to cats. 

What are the veterinary costs in Wyoming? 

Veterinary services are often determined on the basis of your pet’s needs. These services not limited to routine checks and can include treatments, procedures, and medical exams. If your pet has been diagnosed with cancer or requires surgery, you may be required to pay for medication as well.

However, veterinary costs in Wyoming can average $1,400 annually. If you own a dog, it might cost you $259- $5,000 to pay for its surgery and $1000 per cancer treatment. 

How to choose the best pet insurance in Wyoming

When you are considering a pet insurance policy, there are a few key factors that can help you make the best decision for your pet. Consider the following when making your decision:

  • Get quotes from multiple carriers: Shop around for the best coverage at a reasonable price. Compare not just price but also deductible amounts, annual premiums, reimbursement levels, and the policy length. Ask about any limitations and exclusions that apply to the policy.
  • Understanding the terms of the policy: By taking the time to thoroughly review your policy, you will know what kind of services will be covered and what will be excluded. You can also assess if your pet requires basic insurance or potentially add-on options such as wellness and preventative care.
  • Customer reviews: Check what other customers in Wyoming have to say about an insurance agency you’re considering. Read reviews about the customer’s experience, their service, and how they handle their claims process. This will make it easier for you to come to a decision.