7 Best Pet Insurance Providers in Louisiana – 2024 Reviews

Whether your pet lives in the city in Baton Rouge or likes to romp through the wetlands down south, pet insurance protects your dog or cat in the event of any accident. One in three pets will have an emergency each year, so your policy will likely pay off over the course of their life.

When shopping for pet insurance, it’s always a good idea to find a personalized quote for your own special dog or cat because the prices can vary due to breed, age, or region. Here are our top seven picks for pet insurance in Louisiana in 2022, based on variables such as range of coverage, cost of deductible, processing time, and whether the plan includes special features such as telehealth.

A Quick Look at Our Winners in 2024

The 7 Best Pet Insurance Providers in Louisiana

1. Embrace with Wellness Plan – Best Overall

As our best overall choice, Embrace gives Louisianans the fullest complete coverage for the lowest price. They’ll even cover your pet’s medical bills while they’re traveling internationally with you for up to six months.

While Embrace offers an accident-only and accident & illness plan, you’ll get the best value coverage if you also buy their wellness add-on. The wellness plan acts like a savings account for your pet. You’re given a certain allotment per year that you pay off each month, and you’re allowed to spend it on any number of routine expenses such as flea prevention and rabies vaccines. Unique to most wellness plans, Embrace with Wellness will even cover certain cosmetic procedures such as grooming.

While their monthly costs are cheaper than most, their annual deductibles are a little higher, starting at $200 and going up to $1,000.

---

2. Spot – Best Value

As our best value choice, we love Spot’s flexibility in terms of price and coverage. The lowest tier of their accident-only plan starts under $10 a month, but there’s really no limit to the coverage you can choose since they also offer a wellness add-on and have an unlimited maximum payout option. Exam fees, diagnostic testing, and treatment are included in all of their plans, unlike some medical insurance providers which might not pay for exams. If you choose the accident & illness plan, you’ll even receive coverage for holistic procedures.

Their wellness plan isn’t the best. Since there are caps per category, you can only spend a portion of your allowance on any given expense, unlike similar wellness plans which let you choose how to spend your allotment.

---

3. Fetch–Cheapest Comprehensive Care with Telehealth Services

Fetch by the Dodo is one of the newest names in the insurance game, but they’re quickly rising to fame as one of the cheapest options for comprehensive care. They don’t offer a wellness plan, but they’ll readily take care of your pet if they need surgery or accidentally eat a chew toy. Fetch provides you with TeleVet access for those middle-of-the-night diagnostics when you’re not sure whether it’s necessary to whisk your pet to the pricey 24/7 clinic or wait it out until morning.

They also pay for expenses not commonly covered by mainstream pet insurance plans, such as paying to board your pet for up to 4 days if you’re hospitalized. Their monthly costs are rather low, but their deductible options start at $300, which is higher than average.

---

4. Trupanion – Pays Vet Directly

Trupanion is the best choice for you if you have a low credit limit, or even no credit at all. Instead of most pet insurance companies who pay you back after a given period, Trupanion pays the vet directly with no hassle of waiting for claims to process. As with human healthcare, the biggest drawback to this model is that the veterinary clinic has to be in their network of providers. Trupanion can be a great choice especially if you live near a VCA hospital because their clinics are equipped with the software that allows them to pay your vet directly.

Although Trupanion isn’t the cheapest choice, it allows you to fully customize your deductible, ranging from $0-$1,000. Trupanion also offers two $5 monthly add-ons if you want additional coverage. The Recovery & Complementary Care pays for holistic therapies such as acupuncture, and the Pet Owner Assistance pays for expenses such as reward money if your pet goes missing. Overall, Trupanion keeps it pretty simple. There’s no wellness plan, but their accident & illness comprehensive plan always covers 90% of the emergency bill.

---

5. ASPCA – Best for Comprehensive Coverage for Average Price

If you’re looking for an inclusive coverage plan that won’t break the bank, ASPCA offers accident-only, comprehensive, or comprehensive with wellness add-on options to suit you and your pet’s needs. They’ll let you customize your deductible and payout options so that you can find the combination that fits your budget. In the spirit of helping adopted animals, ASPCA allows you to enroll any dog or cat as long as they’re 8 weeks or older.

We recommend ASPCA if you’re looking for a cheap comprehensive plan, especially for an older pet. The accident-only plan has average coverage but is a little more expensive than some comparable plans from other companies.

---

6. Healthy Paws—Best Unlimited Accident & Illness

Let Healthy Paws lend a hand in case of emergencies. This pet insurance company offers one basic accident & illness plan that’ll pay your bill, no matter the cost. There are no maximum payouts per incident, per year, or for life. With an average 2-day processing time, you won’t have a huge bill sitting on your credit card statement, and some veterinary clinics may be eligible to receive payments directly from Healthy Paws instead of making you pay it all up front.

There isn’t a wellness plan, and the price is relatively high compared to some companies. You’ll also reap the most benefits if you enroll your pet while they’re young because there are some coverage exclusions to animals who are over 6 years old. However, if you’re looking for a plan to cover your pet’s accident within 2 days of the incident, Healthy Paws is our best choice for you.

---

7. Pumpkin—Best Inclusive Accident & Illness

Let Pumpkin patch your pet’s injury with a 90% universal reimbursement rate and inclusive comprehensive care. Although they’ve only been on the pet insurance market for a season, this company is quickly rising to the top of our list because of their vast list of procedures they’ll cover, such as holistic and behavioral therapies. They have a wellness add-on if you want assistance paying for routine expenses but Embrace or ASPCA is a cheaper choice for complete coverage of everyday costs.

Pumpkin claims to have a 12–14-day processing window, which is longer than we would like. For example, Healthy Paws is one of the leading competitors with a mere 2-day processing time. However, Pumpkin has the advantage in coverage, so we consider them to be a comparable choice.

Buyer’s Guide: How to Choose the Right Pet Insurance Provider in Louisiana

What to Look for in Pet Insurance

Not all pet insurance providers service all states, so it’s important to find a quote for your pet in the area you live in before you begin comparison shopping. For example, Lemonade is a new company that tops most lists for affordable pet insurance, but unfortunately, they haven’t launched in Louisiana yet.

You’ll also need to consider other factors such as your pet’s age, breed, medical conditions, and your estimated budget.

Policy Coverage

Are you looking for emergency protection for your pet, or assistance budgeting for routine expenses such as wellness visits? Determining your coverage priorities will help you find the policy you need. Accident-only plans are the cheapest, but they’ll only cover immediate emergency expenses, such as treatment for a bowel obstruction or broken bones. Comprehensive plans go a little further, paying for chronic treatment for illnesses such as cancer.

If you want the additional coverage for everyday visits, a wellness add-on can help. However, keep in mind that a wellness plan isn’t an insurance policy. Rather, it’s like a savings account where you pay a certain amount every month and receive a yearly allotment. Some companies, such as Spot, determine how much of your allotment you can spend on one expense. For example, they may only let you spend $25 of your allotment per year on vaccines. We liked Embrace as our overall best choice because they had the most inclusive coverage for the cheapest price, and there were no per-incident caps on the wellness allotment.

Customer Service & Reputation

Everyone wants to know if the insurance company lives up to their claims. Checking customer reviews and asking fellow pet parents for their thoughts can help you determine if the insurance company fits the bill for your needs.

Claim Repayment

Since most pet insurance companies follow a reimbursement model, it’s important to find an insurance policy that’s quick to repay you so you don’t have a large bill sitting on your credit card statement. Of the companies we reviewed, Healthy Paws scored the best in this category with an average 2-day wait time. Pumpkin was one of the worst, with an average of 12-14 days.

Price Of Policy

The price of your insurance policy is determined by your coverage and the ratio of your deductible to your monthly payment. A higher deductible equals a lower monthly payment, and conversely, a higher monthly payment will give you a lower deductible. You should choose the best option for your budget, and your pet’s perceived needs. Just remember, like human health insurance, pre-existing conditions aren’t covered, so don’t wait until your pet is sick to secure a policy.

Plan Customization

Ideally, you want to pay the least amount for the most coverage. Some companies offer one plan, but others such as Spot will let you choose how much coverage you need, and give you greater freedom of how much you want to spend at a time.

While Trupanion doesn’t have a wellness plan, they’re one of the only companies that lets you customize your deductible from $0-$1,000. This makes them a good choice if you need a comprehensive accident & illness policy that doesn’t require a hefty sum at the end of the year.

Note: Pet insurance deductibles are usually charged annually, not per incident like car insurance deductibles.

Age of Pet

Some pet insurance companies, such as Healthy Paws, limit your pet’s coverage if you enroll them after a certain age. Others may not even offer coverage to your pet if they believe they’re near the end of the life expectancy for their breed. ASPCA doesn’t have any age restrictions, so they might be the best choice for an older pet.

FAQ

Can I Get Pet Insurance Outside the U.S.?

Some other countries have their own pet insurance companies, and you’ll need to switch to a local plan once you move. If you’re only visiting for six months or less, Embrace can cover your pet while you travel.

How Does Pet Insurance Work?

Human healthcare can be a headache, but pet insurance is pretty simple. You choose whether you want accident-only, accident & illness, or an additional wellness package depending on your plan. You generally set a maximum payout amount per year, which is a factor in determining your premium, and choose whether you would rather have a lower annual deductible or monthly bill.

When your pet has an emergency, you typically pay all of the costs out of pocket, and then submit a claim to the insurance companies, who will compensate you according to your chosen reimbursement rate. There are a few companies, such as Trupanion, who skip this final step and pay your vet directly. However, you will need to find a vet in the network as you would for human healthcare in that instance.

Which Pet Insurance Provider Has The Best Consumer Reviews?

Healthy Paws has one of the best reputations in the pet insurance business. Established in 2009, they’ve been around the block for a little longer than some of the newcomers such as Pumpkin and Fetch. However, their limited coverage has many people seeking newer plans that also include holistic care.

What Is the Best and Most Affordable Pet Insurance?

The best and most affordable pet insurance policy for you covers your pet while making you pay only what you can personally afford. Since emergencies are a bit harder to predict than an annual wellness exam, we recommend purchasing at least an accident-only or accident & illness plan to protect your pet (and your purse) from costly medical vet expenses that occur when you least expect them.

Which Pet Insurance Provider Is Best For You?

The best choice for you depends on what you’re looking to gain from your pet insurance policy. All of the insurance companies on our list have their particular strengths that make them good candidates for some pet parents, but not ideal for others. For example, Embrace is our overall best choice if you’re wanting a comprehensive plan with wellness, but Trupanion is the better choice if you mainly want accident protection and don’t have a credit card with a maximum limit high enough to cover emergencies up front.

Conclusion

No matter where you live in Louisiana, purchasing a pet insurance policy can help you financially as a pet owner who might not have enough funds to pay the total vet bill. Accidents happen, and statistically, your pet will need to use their policy at least once every three years. Considering 24/7 clinics cost hundreds in mere exam fees, a single trip could make years’ worth of pet insurance bills worth the money.

Our best overall choice, Embrace with the wellness plan, covers your pet completely in the event of an accident and helps you plan for expected expenses such as routine visits. If you’re looking for a budget-friendly option, Spot is our best value choice that offers basic accident-only care for less than $10 per month, but with the option of upgrading to comprehensive later.

See also:

• Spot vs Pumpkin Pet Insurance Comparison: Which is Best?
• ASPCA vs. Healthy Paws Pet Insurance Comparison: Which is Best?

---

Featured Image Credit: Rawpixel.com, Shutterstock