The Best Pet Insurance in Indiana (2024)
Indiana is called the Hospitality State, a fitting name for a state with so many incredible experiences. Whether you’re visiting or live in Indiana, you should check out the fantastic Covered Bridge Festival, the Indianapolis Zoo, the Indiana Caverns, Indianapolis Motor Speedway, and so much more. Many of these attractions are even pet-friendly, which is a massive plus for pet parents.
However, you should keep in mind that your pet can become ill or injured at any age. Even if your dog or cat is young and healthy now, it could have an accident or develop an illness. Pet insurance gives you a financial safety net so that you never have to worry about not being able to afford your pet’s veterinary bills.
The 5 Best Indiana Pet Insurance Companies
In this piece on the best pet insurance in Indiana, we’ll cover the following top pet insurance providers:
- Spot: Best overall
- Lemonade: Most affordable
- ASPCA: Most experienced
- Embrace: Best for deductibles
- Healthy Paws: Best for chronic conditions
Compare Pet Insurance Companies in Indiana
| Best For | Star Rating | Monthly Cost | Link | ||
|---|---|---|---|---|---|
| Spot |  | Most Inclusive | $22-$80 | Compare Quotes | |
| ASPCA Pet Insurance |  | Most Experienced | $18–$44 | Compare Quotes | |
| Lemonade |  | Most Affordable | $16–$30 | Compare Quotes | |
| Embrace |  | Best for Discounts Offered | $23-$85 | Compare Quotes | |
| Healthy Paws |  | Best for Chronic Conditions | $24–$54 | Compare Quotes |
| Spot | |
|---|---|
| Logo |
 |
| Best For | Most Inclusive |
| Star Rating | |
| Monthly Cost | $22-$80 |
| ASPCA Pet Insurance | |
|---|---|
| Logo |
 |
| Best For | Most Experienced |
| Star Rating | |
| Monthly Cost | $18–$44 |
| Lemonade | |
|---|---|
| Logo |
 |
| Best For | Most Affordable |
| Star Rating | |
| Monthly Cost | $16–$30 |
| Embrace | |
|---|---|
| Logo |
 |
| Best For | Best for Discounts Offered |
| Star Rating | |
| Monthly Cost | $23-$85 |
| Healthy Paws | |
|---|---|
| Logo |
 |
| Best For | Best for Chronic Conditions |
| Star Rating | |
| Monthly Cost | $24–$54 |
*Certain conditions, such as cruciate ligaments or orthopedic conditions, may have longer waiting period times, usually six months to a year. This is common among many pet insurance providers, but most illnesses will be covered after the waiting period listed above.
Pet Insurance Companies in Indiana Reviews
Pet health insurance shopping can be challenging due to the abundant number of providers on the market. To help you out, our team at QUARTZ has compiled the following information about Indiana pet insurance providers. Take time to carefully assess what you’re looking for in a plan and what type of coverage would benefit your pet most.
Keep reading to learn more about the strengths and weaknesses of each provider, and the different things each offers from its rates to coverage, charitable giving, claim submission process, discounts, and much more.
Spot
Most Inclusive
ASPCA Pet Insurance
Most Experienced
Lemonade
Most Affordable
Embrace
Best for Discounts Offered
Healthy Paws
Best for Chronic Conditions
How to Choose the Best Pet Insurance in Indiana for You
Pet insurance is a personal choice, and it can be overwhelming and even frustrating to sort through all the options available. We recommend starting with the type of plan you’re interested in. There are three primary types of pet insurance plans:
- Accident-only plans: Accident-only plans help with the costs of accidents, such as broken bones, foreign object ingestion, lacerations, animal bites, and toxin ingestion. It will not cover routine veterinary care or illness treatment costs.
- Accident and illness plans: Accident and illness plans will cover everything an accident-only plan covers, and illnesses, such as cancer, diabetes, infections, and hereditary conditions. This is usually the most comprehensive type of coverage a pet insurance provider will offer. It will not cover routine veterinary care.
- Wellness or preventative care coverage: Wellness plans help with the everyday, expected veterinary costs of caring for a pet. These plans typically include checkups, vaccinations, routine blood work, dental cleanings, and more. Wellness plans are usually an add-on to one of the other pet insurance plans and cannot be purchased independently.
Next, consider what other features are important to you in a pet insurance provider. Think about the following factors before choosing a pet insurance plan and provider:
- Does the plan provide your pet with dental illness coverage?
- Are their wellness or preventative care options available through this provider?
- Does this provider offer coverage for prescription diets and medications?
- Is it necessary to you to have coverage for alternative therapies, such as physical therapy or acupuncture?
- How are this provider’s rates compared to other companies?
- Are customization options available? Can you personalize your coverage level, deductible, reimbursement percentage, and annual limit?
- Does it offer a plan with unlimited annual or lifetime coverage?
- Can you communicate with the pet insurance provider through your favorite communication method? (email, live chat, phone, etc.?)
- Is there a user-friendly mobile app available?
How Much Does Pet Insurance Cost In Indiana?
Your monthly premium can vary greatly depending on where you live in Indiana and your pet’s age, health, and breed. The type of plan you choose will also impact the overall cost, especially if you decide to add a wellness plan to your coverage. Typically, you can expect to pay around $45 for dog insurance and $25 for cats monthly in Indiana, excluding a wellness plan. A wellness plan will usually add anywhere between $10 to $25 to your monthly premium.
Shopping around can help you save a significant amount of money on your pet insurance. Take a moment to look at available discounts and bundling options to see if you can save more money.
| Provider | Sample Monthly Cost For Dogs | Sample Monthly Cost For Cats | Sample Monthly Wellness Cost |
|---|---|---|---|
| Spot | $40 | $22 | $9.95 (gold), $24.95 (platinum) |
| Lemonade | $37 | $15 | $10 to $34/month for cats, $15 to $40/month for dogs |
| Embrace | $35 | $18 | $35 |
| Healthy Paws | $39 | $12 | Not offered |
| ASPCA | $49 | $29 | $9.95 (basic), $24.95 (prime) |
Monthly Cost of Pet Insurance by City in Indiana
Here are some examples of monthly premiums for pet insurance in different Indiana cities. These rates are based on the most popular policy, which pays 80% of the bill with a $250 deductible. It’s also based on a mixed breed, 55-pound dog that is 4 years old.
| City | Monthly Cost |
|---|---|
| Indianapolis | $48.12 |
| Terre Haute | $34.74 |
| South Bend | $41.43 |
| Lafayette | $34.48 |
| Fort Wayne | $34.74 |
Final Thoughts
Pet insurance is a valuable asset for pet parents looking to protect themselves financially should their pets have accidents or develop illnesses. With pet insurance, you can have peace of mind knowing that your pet is covered if it is injured or falls ill. Pet insurance lets you choose treatments for your pet based on what is best for it, rather than having to select or skip a treatment based on cost.
Veterinary care is constantly advancing, which is great news for pet parents. However, it also means that veterinary costs will only continue to rise. Consider this when choosing a pet insurance provider: what will best benefit you and your pet in the long run? We recommend gathering several free pet insurance quotes from multiple pet insurance providers before enrolling your pet in a plan.
Information for Pet Owners in Indiana
The Hospitality State doesn’t discriminate against pets. Indiana is overflowing with pet-friendly locations and establishments. Take your pet on an adventure this weekend to one of these beautiful pet-friendly locations. Before you leave for your adventure, make sure you’re aware of Indiana pet laws so that your adventure stays fun. Keep reading for everything you need to know about Indiana and pet fun.
Indiana Pet Laws
Double-check that you’re aware of the following Indiana pet laws before taking your pet on a fun trip throughout Indiana:
- Indiana has strict laws about pets being up-to-date on their vaccinations. If you’re harboring a non-immunized dog, you can be charged with a criminal offense, so double-check that your dog is up-to-date on its shots.
- Owners have strict liability for their pets. If your dog or cat bites someone else or another animal, you may be liable for damages incurred.
- There is not a leash law throughout the state of Indiana. However, many cities of Indiana do have leash laws, so we recommend that you research the area you’re in before taking your dog on a leash-less stroll.
Fun Things to Do With Your Pet in IN
Whether you’re a visitor or a resident of Indiana, there are plenty of pet-friendly experiences to be had. Check out the following pet-friendly locales:
- Indiana Dunes in Charleston: Your dog can be off-leash on this enormous beach. It’s known for having a breathtaking sunset.
- Plump’s Last Shot in Indianapolis: This pet-friendly restaurant features casual, pub-style food with a warm atmosphere and a pet-friendly outdoor patio.
- Fire by the Moon in Indianapolis: Another dog-friendly restaurant featuring an outdoor patio. This restaurant features casual pub food.
- Ivanhoe’s Drive-in in Upland: A drive-in restaurant sure to make your pet feel at home. The outdoor seating is plentiful, and the location is on point.
- Swiss Heritage Village in Linn Grove: There is a museum for humans to visit here and many beautiful trails that are dog-friendly and great for adventures.
Indiana Pet Resources
If you or someone you know is in need, we recommend checking out these great Indiana pet resources:
- Michiana Animal Rescue Coalition: This animal rescue helps save dogs and cats from high kill shelters. It also offers low-cost vaccinations, wellness checks, microchipping, and spay/neuter services.
- Kokomo Humane Society: This humane society features a community pet food pantry between Monday and Friday. One bag of pet food is allowed per household.
- Fort Worth Pet Food Pantry: This pantry provides pet food at no cost to pet parents struggling to feed their pets.
- Vanderburgh Humane Society: This humane society provides spay/neuter assistance, behavior issue assistance, and offers pet food help. You can also reach out to them about end-of-life services.
Frequently Asked Questions About Pet Insurance in Indiana
How do I get reimbursed for a vet bill?
Simply take your cat to any licensed veterinarian and submit your claim. Depending on your provider, you can submit your claim through its mobile app, online member center, or through the mail. Then, you’ll wait for your provider to approve the claim. Once approved, it will reimburse you for the allocated amount in your pet insurance policy through direct deposit or check.
Does pet insurance cover all veterinary expenses?
No, pet insurance won’t cover all expenses you build up at the vet’s office. However, insurance will typically cover accidents and illnesses that aren’t pre-existing. Some policies will even offer wellness and preventative care add-ons that add additional benefits to your policy, like wellness exams and vaccines.
What does Pet Insurance Typically Cover?
Depending on what type of plan you choose, your pet insurance plan will cover different things. Accident-only plans provide medical coverage for accidental injuries, such as broken bones, sprains, and prescription medications. Accident-and-illness plans try to extend that coverage to include cancer treatments, digestive illness, hip dysplasia, and similar issues.
Our Methodology
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