South Dakota is a great place to live, work, and raise a family. And if you’re one of the many people in South Dakota who have pets, you know that they are members of the family too! That’s why it is important to have pet insurance for them.
In this article, we will discuss the best pet insurance companies in South Dakota for this year. We will also provide reviews and ratings for each company. So, whether you are looking for pet health insurance for your cat or dog, you will find the information you need here!
A Quick Glance at Our Favorites of 2025
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Best Overall
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USAA Pet Insurance |
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Trupanion Pet Insurance |
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Lemonade Pet Insurance |
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ASPCA Pet Insurance |
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Bivvy Pet Insurance |
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The 10 Best Pet Insurance Providers in South Dakota
1. USAA Pet Insurance – Best Overall
USAA is the best overall pet insurance company in South Dakota, hands down. They offer comprehensive plans at a fair price, and their customer service is excellent. Plus, they have many benefits that other companies don’t, such as identity theft protection and travel assistance.
However, USAA is not available to everyone. You must be a member of the military or related to someone who is to qualify for coverage.
- Comprehensive plans
- Fair prices
- Excellent customer service
- Identity theft protection
- Travel assistance
- Not available to everyone
2. Trupanion Pet Insurance
If you’re looking for a premium choice for pet insurance in South Dakota, Trupanion is a great choice. Their premiums are a bit higher than other companies, so this isn’t the most budget-friendly option. But they offer quick reimbursements, and you can pay your vet over the phone on the day of your visit which gives you peace of mind. However, they also only pay 90% after the deductible is paid.
- Comprehensive coverage
- Routine care coverage
- Can pay your vet over the phone on the day of your visit
- Has high premiums
- Only pays 90 percent after deductible
3. Lemonade Pet Insurance
Lemonade is a great choice for pet insurance in South Dakota if you’re looking for something with a lot of coverage options for accidents and illness. They offer better coverage for accidents and illnesses than almost any other company on our list and have very competitive prices. However, Lemonade does not cover routine care or preventive care, which can be a downside if you’re looking for comprehensive coverage.
- Good accident and illness coverage
- Competitive prices
- Excellent customer service
- Does not cover routine or preventive care
4. ASPCA Pet Insurance
As the name suggests, ASPCA Pet Insurance is a great choice for cat owners in South Dakota. They offer comprehensive coverage at a fair price, and they have a great reputation in the pet industry. Plus, they have many benefits that other companies don’t, such as routine care coverage and a discount on ASPCA membership. However, ASPCA pet insurance is not available to everyone. You must be an ASPCA member to qualify for coverage.
- Comprehensive coverage
- Great reputation
- Discount on ASPCA membership
- ASPCA membership required
5. Bivvy Pet Insurance
Bivvy Pet Insurance is a great value for pet insurance in South Dakota. They offer a wide range of coverage options and have very competitive prices. Their customer service is also excellent, which is important when you’re dealing with something as important as your pet’s health.
However, Bivvy does not cover routine care or preventive care, which can be a downside if you’re looking for comprehensive coverage.
- Wide range of coverage options
- Competitive prices
- Excellent customer service
- Does not cover routine or preventive care
6. Progressive Pet Insurance
Progressive is a great choice for pet insurance in South Dakota if you’re looking for excellent customer service. They offer a wide range of coverage options and have very competitive prices. Plus, they have many benefits that other companies don’t, such as identity theft protection and travel assistance and you can bundle your pet insurance with your auto insurance and other insurance policies. However, Progressive can get pricey if you get a robust policy.
- Wide range of coverage options
- Excellent customer service
- Option to bundle with other insurance types
- Can be pricey
7. Embrace Pet Insurance
Embrace is a great choice for pet insurance in South Dakota if you’re looking for comprehensive wellness coverage. They offer a wide range of coverage options, including for wellness in addition to accident and illness coverage, as well as prices that are very competitive with other companies. The downsides to Embrace are that it can be pricey if you add in their wellness coverage, and there is a waiting period before the policy will take effect.
- Wide range of coverage options
- Competitive prices
- Excellent customer service
- Can be pricey
- Has a waiting period
8. Nationwide Pet Insurance
Nationwide is a great choice for pet insurance in South Dakota if you’re looking for discounts or a more budget-friendly option. They offer a wide range of coverage options and have very competitive prices. They offer many discounts, such as a multi-pet discount, a military discount, and a loyalty discount, and you can bundle with other insurance policies such as auto, home, etc. However, Nationwide can be expensive if you get a robust policy.
- Wide range of coverage options
- Multi-pet discount
- Military discount
- Loyalty discount
- Can be expensive
9. Figo Pet Insurance
Figo is a great choice for pet insurance in South Dakota if you’re looking for technology. They offer a wide range of coverage options and have very competitive prices. Plus, their app is very user-friendly and offers many features, such as GPS tracking, that other pet insurance apps don’t. However, Figo does not cover routine care or preventive care, which can be a downside if you’re looking for comprehensive coverage.
- Wide range of coverage options
- Competitive prices
- User-friendly app
- GPS tracking
- Does not cover routine or preventive care
10. Healthy Paws Pet Insurance
Healthy Paws is a great choice for pet insurance in South Dakota if you’re looking for excellent customer service. They offer a wide range of coverage options and have very competitive prices. Plus, they have many benefits that other companies don’t, such as routine care coverage and no lifetime limits. The only downside we could find with Healthy Paws is that, like with other companies, they don’t offer coverage for pre-existing conditions.
- Wide range of coverage options
- Competitive prices
- Excellent customer service
- 24/seven live customer support
- Doesn’t cover pre-existing conditions
Buyer’s Guide: Choosing the Right Pet Insurance Provider in South Dakota
What Are the Benefits of Pet Insurance?
The main benefit of pet insurance is that it can help you pay for unexpected veterinary bills. It can also help you budget for routine care and preventive care, which can save you money in the long run.
What Are the Different Types of Pet Insurance?
There are three main types of pet insurance: accident only, comprehensive, and wellness.
- Accident only pet insurance covers unexpected accidents, such as a broken bone or ingestion of a foreign object.
- Comprehensive pet insurance covers both accidents and illnesses.
- Wellness pet insurance covers routine care and preventive care, such as vaccinations, routine blood work, and spaying/neutering.
What to Look for in Pet Insurance (for Cats, Older Dogs, Etc.)
Here are some factors to keep in mind when shopping for pet insurance:
- Coverage options: You’ll want to make sure that the pet insurance you choose covers the things that are most important to you. Some policies only cover accidents and illnesses, while others also cover preventive care, routine care, and more.
- Price: Pet insurance can be expensive, so you’ll want to make sure you’re getting a good value for your money. Be sure to compare prices and coverage options before making a decision.
- Discounts: Many pet insurance companies offer discounts, so be sure to ask about them. You may be able to get a discount if you have more than one pet, if you are a military member, or if you’re a loyalty member.
- Customer service: You’ll want to make sure that the pet insurance company you choose has excellent customer service. Be sure to read reviews before making a decision.
- Technology: If you’re looking for technology, Figo is a great choice. They offer a wide range of coverage options and have very competitive prices. Plus, their app is very user-friendly and offers many features, such as GPS tracking, that other pet insurance apps don’t.
What to Look for in Policy Coverage
There are a few things to keep in mind when shopping for pet insurance coverage:
- Deductible: The deductible is the amount of money you have to pay out-of-pocket before your insurance kicks in. Be sure to choose a deductible that you can afford.
- Co-insurance: Co-insurance is the percentage of medical bills that you have to pay after your deductible is met. Be sure to choose a co-insurance that you’re comfortable with.
- Reimbursement: Reimbursement is the amount of money you’ll get back from your insurance company after you’ve paid for medical care. Be sure to choose a reimbursement that you’re comfortable with.
How Does Claim Repayment Work?
Most pet insurance companies will reimburse you for veterinary bills after you’ve paid them. You’ll usually have to submit a claim form and documentation, such as vet records, to the insurance company. Once the claim is approved, you’ll receive a check or direct deposit for the reimbursement amount.
Frequently Asked Questions
What is the best pet insurance in South Dakota?
There is no one “best” pet insurance company in South Dakota. It’s important to compare prices and coverage options before making a decision.
How much does pet insurance cost in South Dakota?
Pet insurance can be expensive, so be sure to compare prices and coverage options before making a decision.
What discounts are available for pet insurance in South Dakota?
Many pet insurance companies offer discounts, so be sure to ask about them. You may be able to get a discount if you have more than one pet, if you’re a military member, or if you’re a loyalty member.
Is there a waiting period for pet insurance in South Dakota?
Yes, most pet insurance policies have a waiting period of 14 days. This means that any illnesses or accidents that occur during the first 14 days after you purchase the policy will not be covered.
What is included in pet insurance in South Dakota?
Most pet insurance policies cover accidents and illnesses, but some also cover preventive care, routine care, and more.
Is there an age limit for pet insurance in South Dakota?
Yes, most pet insurance companies only insure pets that are under the age of 16. However, some companies will insure older pets on a case-by-case basis.
How do I file a claim for pet insurance in South Dakota?
You’ll usually have to submit a claim form and documentation, such as vet records, to the insurance company. Once the claim is approved, you’ll receive a check or direct deposit for the reimbursement amount.
What is a pre-existing condition?
A pre-existing condition is a medical condition that your pet has before you purchase pet insurance. Most pet insurance policies do not cover pre-existing conditions.
How long does it take to get reimbursed?
It usually takes around two to four weeks to get reimbursed for a pet insurance claim. However, some companies offer faster reimbursement times.
Should I work with an agent?
Working with an agent can be helpful, but it’s not required. You may be able to get a lower price if you work with an agent.
What will I need in order to apply?
When you apply for pet insurance, you’ll usually need to provide your pet’s name, age, breed, and health history. You may also need to provide your contact information and financial information.
What is the cancellation policy?
Most pet insurance policies can be canceled at any time. However, some policies have a waiting period before you can cancel. Be sure to ask about the cancellation policy before you purchase a policy.
What is the refund policy?
Most pet insurance policies are non-refundable. However, some policies may offer a refund if you cancel within a certain time frame. Be sure to ask about the refund policy before you purchase a policy.
Conclusion
Pet insurance can be a great way to protect your furry friend from expensive medical bills. However, it’s important to compare prices and coverage options before making a decision. Be sure to choose a deductible and copay that you’re comfortable with and ask about any available discounts. Most policies have a waiting period of 14 days, so be sure to factor that into your decision. And finally, remember that not all pet insurance companies offer the same coverage. So do your research and find the best policy for your needs.
See also:
- 10 Best Pet Insurance Providers in North Carolina – Reviews & Top
- 10 Best Pet Insurance Providers in South Carolina – Reviews & Top Picks
Featured Image Credit: Rawpixel.com, Shutterstock
Contents
- A Quick Glance at Our Favorites of 2025
- The 10 Best Pet Insurance Providers in South Dakota
- 1. USAA Pet Insurance – Best Overall
- 2. Trupanion Pet Insurance
- 3. Lemonade Pet Insurance
- 4. ASPCA Pet Insurance
- 5. Bivvy Pet Insurance
- 6. Progressive Pet Insurance
- 7. Embrace Pet Insurance
- 8. Nationwide Pet Insurance
- 9. Figo Pet Insurance
- 10. Healthy Paws Pet Insurance
- Buyer’s Guide: Choosing the Right Pet Insurance Provider in South Dakota
- What Are the Benefits of Pet Insurance?
- What Are the Different Types of Pet Insurance?
- What to Look for in Pet Insurance (for Cats, Older Dogs, Etc.)
- What to Look for in Policy Coverage
- How Does Claim Repayment Work?
- Frequently Asked Questions
- What is the best pet insurance in South Dakota?
- How much does pet insurance cost in South Dakota?
- What discounts are available for pet insurance in South Dakota?
- Is there a waiting period for pet insurance in South Dakota?
- What is included in pet insurance in South Dakota?
- Is there an age limit for pet insurance in South Dakota?
- How do I file a claim for pet insurance in South Dakota?
- What is a pre-existing condition?
- How long does it take to get reimbursed?
- Should I work with an agent?
- What will I need in order to apply?
- What is the cancellation policy?
- What is the refund policy?
- Conclusion
