10 Best Pet Insurance Providers in Indiana – 2024 Reviews & Top Picks

When searching for pet insurance in Indiana, there are quite a few factors to consider. Depending on your pet’s age, health, and breed, you’ll discover that some insurers are better suited to your pet’s needs than others. Many pet owners don’t understand the need for pet insurance, but when you look at the policy prices compared to the cost of an emergency visit to the local vet, it’s easy to see why some pet owners prefer insurance instead of paying out-of-pocket. To help you determine which pet insurance company in Indiana is perfect for your pet, we have 10 reviews of the top providers and a detailed buyer’s guide.

A Comparison of Our 2024 Winners

The Top 10 Pet Insurance Plans in Indiana

1. Pumpkin Pet Insurance – Best Overall

Pumpkin Pet Insurance features deductible options of $100, $250, or $500, with reimbursement rates of 90%. Annual coverage limits are between $7,000 and unlimited, according to the plan you choose. The company offers a 10% discount for each additional pet added to your policy, and they do cover preexisting conditions as long as they have been cured.

They have a 14-day waiting period for cruciate ligament injuries and hip dysplasia, which is shorter than many other pet insurance providers.

However, they are a bit expensive with their premiums, and they charge higher premiums for certain dog breeds. Pumpkin also doesn’t cover herbal supplements.

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2. Figo Pet Insurance – Best Value

Figo Pet Insurance offers annual deductibles ranging from $100 to $750, with reimbursement options of 70%, 80%, 90%, or 100%, according to your chosen plan. Their average premium is around $30 a month. The company also offers a 10% multi-pet discount for adding multiple pets to your policy. Unlimited annual coverage options are available, but you can also choose a $5,000 or $10,000 rate.

Figo’s deductibles are a bit higher than some of the other providers on our list. While the company doesn’t have an upper age limit for pets, pets must be at least 8 weeks old to be covered.

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3. Trupanion Pet Insurance

Trupanion Pet insurance offers comprehensive coverage with a zero deductible option. The average monthly premium for a policy is around $55, and deductibles range from $0 to $1,000. They are a little different than other insurers and offer their deductibles on an individual basis per condition, which can be beneficial if your pet suffers from a chronic illness. They offer a 90% reimbursement rate and unlimited payouts for the life of your pet. Your premiums also won’t be automatically raised as your pet gets older.

This provider doesn’t cover exam fees at the vet and doesn’t offer accident-only or wellness plans. It’s also essential to note that their coverage for rehab, acupuncture and other complementary therapies could cost you extra, depending on your location.

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4. Lemonade Pet Insurance

Lemonade Pet Insurance is a well-known provider in Indiana and other parts of the United States. They offer deductibles of $100 to $500 and reimbursement rates of 70%, 80%, and 90%. Their coverage limits range from $5,000 to $10,000 annually. They sell pet insurance online only and have a user-friendly website. Their claims process is quick and painless, and they offer pay-in-full discounts. One of the best things about Lemonade is that any money left over is donated to a non-profit charity to help animals at the end of the year.

The most significant disadvantage we found is that if you cancel your policy, your pet’s conditions will be considered preexisting conditions if you renew.  Some therapies, such as physical therapy and chiropractic care, require more money, and if you have bad credit or too many claims, it could affect your rates.

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5. Embrace Pet Insurance

Embrace Pet Insurance is also a well-known pet insurer. Their average cost is $33 a month, with deductibles ranging from $100 to $500. Every year you don’t put in a claim, your deductible will drop by $50 until it reaches $0 annually. Reimbursement options include 70%, 80%, or 90%, and Embrace considers preexisting conditions on a case-by-case basis.

A vet exam can reduce the waiting period for any orthopedic problems your pet has, and the company offers discounts of 5% to 10% for the military and for having multiple pets covered.

While they seem to be budget-friendly for most people, they may only work for some budgets, as there are cheaper options on our list. Embrace doesn’t cover supplements or prescription food, while others on our list do.

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6. Healthy Paws Pet Insurance

Healthy Paws Pet Insurance has average premiums of $48 a month, with deductibles of $100, $250, $500, $750, and $1,000. Reimbursement rates are 50%, 70%, 80%, and 90%, and Healthy Paws gives you cash for referring friends to the provider. They also donate to animal charities and have no annual or lifetime coverage limits to worry about. One of the best things about Healthy Paws is that many claims only take 2 days to process.

This provider doesn’t offer wellness coverage and also doesn’t cover exam fees, prescription diets, or behavior modification treatments. It is also possible that you’ll be charged $25 when you purchase your plan to cover administrative fees.

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7. ASPCA Pet Insurance

ASPCA Pet Insurance is one of the more affordable options on our list, with payments of around $24 a month and deductibles of $100, $250, or $500 annually. They offer reimbursement options of 70%, 80%, and 90%, according to the plan you choose. They have excellent customer service, and their standard plan covers alternative therapy, congenital conditions, and behavior issues. They have a 14-day waiting period for cruciate injuries, which is shorter than most insurers, and they don’t just cover cats and dogs; they also cover horses.

The biggest problem we saw with ASPCA insurance is that you have to call to get a quote for their unlimited annual coverage options instead of using their website.

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8. Nationwide Pet Insurance

Very few pet owners haven’t heard of Nationwide Pet Insurance. They offer premiums of around $38 a month and an annual deductible of $250. If you want a different deductible, you have to call and talk to an agent. They offer reimbursement options of 50% or 70%.  Not only do they cover dogs and cats, but they also cover exotic animals.

They even offer a 100% money-back guarantee in the first 10 days. Comprehensive coverage is available through the company’s Whole Pet plan. They offer discounts for multiple pets or for having more than one policy through them.

Sadly, you can’t add wellness coverage to their plans, and they don’t cover spaying and neutering. The reimbursement options are limited when compared to others on our list.

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9. AKC Pet Insurance

AKC Pet Insurance has affordable plans with deductibles ranging from $100 to $1,000 and 70%, 80%, or 90% reimbursement options. Coverage limits range from $2,500 to $20,000 annually, with unlimited being an option as well.  The accident-only plan has a fixed deductible of $100, and AKC covers cancer and some preexisting conditions after a 12-month waiting period is met. The comprehensive coverage has no deductible, and AKC provides a discount for insuring multiple pets through them.

The monthly premiums are high, and their deductibles are also high compared to most of the providers on our list. The coverage for hereditary and congenital conditions is considered an add-on, and AKC offers no dental coverage for your pet.

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10. Pet’s Best Pet Insurance

Pet’s Best Pet Insurance provides coverage of $5,000 to $10,000 annually and has unlimited annual coverage with some plans. Their deductible rates range from $50 to $1,000, with their accident-only plan having a $250 deductible. There are no deductibles for their wellness plan. Reimbursement options are 70%, 80%, or 90%, according to the coverage you choose. Pet’s Best can pay your vet directly and has discounts for insuring multiple pets, as well as discounts for the military and their family members.

Pet’s Best will not cover holistic and herbal treatments; you can only get coverage for some therapies and exam fees by purchasing a more expensive plan.

Buyer’s Guide: How to Choose the Best Pet Insurance Plan in Indiana

What to Look for in Pet Insurance in Indiana

We all know that insurance can be complicated, and pet insurance is no exception. It can especially be complex if you don’t know how it works. In our next section, we’ll cover the most important aspects to know before choosing a policy. Hopefully, this will answer all of your questions and more, so you can find the pet insurance you need in Indiana that you can depend on.

Policy Coverage

Policy coverage is the most crucial factor to consider when choosing pet insurance.  When shopping for insurance plans, you’ll first notice that there are many customization options for some companies, and others offer none.

Also, some insurance providers offer accident and illness insurance but refrain from offering a wellness policy. Some companies offer add-ons that can expand your coverage, but they can add to your premiums, so be careful.

Customer Service & Reputation

You can read reviews on websites and social media sites to learn more about an insurer’s reputation. You want to look for key points, such as how well the company meets claims and how long it takes before making a decision.

As for customer service, the last thing you want is to have a claim or a question and be unable to get a customer service agent on the phone or the app to help you. The same holds for the agent you talk to. You want someone courteous, friendly, professional, and able to answer your questions promptly and efficiently. If possible, go with an insurance provider that has 24/7, 7-day-a-week support because pets don’t just get sick or injured during the work week.

Claim Repayment

Most of the providers on our list release claims within 2 to 10 days of you submitting your claim. Some companies will pay the vet directly for you or immediately deposit your payment in your bank account, but others will send you a check as reimbursement. Selecting a company with a good reputation for fast claims processing can keep you from waiting long periods for your payments.

Price of Policy

Securing a pet insurance policy isn’t as simple as just paying a monthly premium, but premiums typically run between $15 and $100. You have to meet the deductible before the insurance kicks in, so be careful of the deductible amount you choose when purchasing your policy. With a lower deductible, you’ll pay a higher monthly premium.

While some insurance providers have higher premiums, they may also have discounts that make the higher premiums worth it.

Plan Customization

A customized plan may not be practical for a young, healthy pet, but the ability to customize is invaluable to pet parents in certain situations. If your pet requires alternative therapies, you can find an insurer that covers the cost of the treatments. Although some insurers exclude older pets, you can select a company without age restrictions that provides comprehensive coverage. Most insurance companies provide quotes, so it should be pretty easy to determine which is the best fit for your wallet while still covering your pet’s needs at the same time.

FAQ

We’ll answer a few of the most common questions about pet insurance plans in Indiana below.

Which Pet Insurance Provider has the Best Reviews?

Most of the pet insurance providers in Indiana on our list have excellent reviews. However, that doesn’t mean that you shouldn’t do your research to determine which is the best fit for your needs.

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Can I get Pet Insurance Outside of the United States?

While you may live in Indiana, you may want to travel to other states or even outside of the United States with your pet. Most of the pet insurance plans we found in Indiana won’t cover your pet if you’re outside of the United States.

However, it can’t hurt to ask the insurance company you’re considering, just in case.

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What If My Pet Insurance Company Isn’t on the List?

If your insurance company isn’t on the list, it doesn’t mean that it’s a bad choice for you. However, if you aren’t happy with your current pet insurance, the ones on our list might fit your needs better. It’s important to keep your options open and search for a better insurer if you’re unsatisfied with your current provider.

What the Users Say

According to online reviews and posts, most customers seemed happy with their pet insurance policies. A Pumpkin policyholder mentioned how friendly and professional the customer service agents were when she had a question about a policy. However, another Pumpkin customer was disappointed in their coverage and exclusions.

We noticed similar comments about an insurer’s coverage in reviews of other providers, but some of the issues were related to misunderstanding which services were covered. You’ll find positive and negative comments about all the pet insurance companies, but it’s more important to concentrate on the frequency of bad reviews for each provider. If one insurer fails to live up to its customers’ expectations by frequently increasing the rates unexpectedly, it’s best to choose another company.

You can make sure you aren’t one of those who have a negative experience by researching and not being afraid to call and ask questions about a policy before making a final decision.

Which Pet Insurance Plan in Indiana Is Best for You?

It’s best to take your time, get quotes, and research numerous providers before deciding on a plan. You can also ask your family and friends for recommendations or talk to your veterinarian. Veterinarians have more experience with pet insurance companies than practically anyone and can help you determine if an insurer is suitable for your pet. Remember, you want to consider the factors we’ve listed above, read the reviews, and choose the insurer that fits your budget but still gives you high-quality coverage.

When it comes to your pet, you want only the best, and the best policy might not be as expensive as you think.

Conclusion

In Indiana, the temperatures plummet during the winter and can be dangerous for your pets. However, temperatures aren’t the only danger affecting your pet. You never know what could happen, from your dog eating a toxic substance to your cat getting struck by a car when wandering around outside.

It’s invaluable to have reliable pet insurance, even if you never have to use it, so you know your pet is covered no matter what happens.

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Featured Image Credit: LightField Studios, Shutterstock