Hepper is reader-supported. When you buy via links on our site, we may earn an affiliate commission at no cost to you. Learn more.

10 Best Pet Insurance Providers in Wisconsin – 2024 Reviews

Cassandra Kyser

By Cassandra Kyser

woman having pet insurance form

Pet insurance has been around for a long time but has only recently been available in the U.S. The first dog to receive insurance coverage was in 1924 in Sweden. Pet insurance would take almost another 60 years to reach the U.S.

Today, many pet owners consider their cat or dog to be a member of their family. Advances in veterinary medicine make it possible to treat cancer and other serious illnesses.

Pet insurance is a wise investment that saves you from the unpleasant surprise of a hefty vet bill, and countless pet insurance companies provide coverage in Wisconsin. Below we provide an overview of Wisconsin’s 10 best pet insurance plans.

hepper-cat-paw-divider

A Quick Glance at Our Favorites of 2024

Rating Image Product Details
Best Overall
Winner
Pumpkin Pet Insurance Pumpkin Pet Insurance
  • Covers alternative therapies & behavioral issues
  • No upper age limits
  • Unlimited annual limit option
  • Best Value
    Second place
    Lemonade Pet Insurance Lemonade Pet Insurance
  • Bundling & multiple pet discounts
  • Cancel at any time
  • Certified B-Corp
  • Third place
    Progressive Pet Insurance Progressive Pet Insurance
  • Coverage in Canada
  • Low-cost injury-only plan
  • Bivvy Pet Insurance Bivvy Pet Insurance
  • Covers cats, dogs, and most other pets
  • Low monthly premium
  • Same price for all ages and species
  • Embrace Pet Insurance Embrace Pet Insurance
  • Phone support
  • Multiple reimbursement options
  • The 10 Best Pet Insurance Providers in Wisconsin

    1. Pumpkin Pet Insurance – Best Overall
    Pumpkin Pet Insurance_Logo

    Pumpkin is our top pick for the best overall pet insurance in Wisconsin. This insurance reimburses you for several conditions that other companies either don’t cover or charge you extra, like alternative therapies, dental illnesses, behavioral issues, and microchipping.

    If your dog or cat is getting some grey fur, you’ll love that there are no upper age limits. You can choose from a $10,000, $20,000, or an unlimited annual limit. There are a handful of deductible options to help lower the cost of your premiums. Pumpkin’s 90% reimbursement rate is standard across all their plans. You can contact customer support via phone or email, but their phone lines aren’t open on the weekends. Pumpkin pet insurance isn’t the cheapest, but we think it is the most comprehensive insurance on our list.

    Pros
    • Covers alternative therapies & behavioral issues
    • No upper age limits
    • Unlimited annual limit option
    Cons
    • Only one reimbursement percentage
    • No weekend phone support

    2. Lemonade Pet Insurance – Best Value

    Lemonade Insurance

    Lemonade could be your one-stop shop for insurance since the company also provides renters, homeowners, car, and life policies. You’ll receive a bundling discount if you have more than one type of insurance through Lemonade. The company also helps you save money by offering discounts if you pay your annual premium in full or if you have more than one pet.

    Lemonade operates differently than most insurance companies. They’re a Public Benefit Corporation and a Certified B-Corp that takes a flat fee out of their customers’ premiums for operating costs. After paying claims, the company donates any remaining funds to charities. You’ll have to do some math to determine if the optional wellness package add-ons make sense for your pets. Lemonade has donated over $2.3 million to nonprofit organizations.

    While you can speak with a customer service rep for car, renters, or homeowners issues, that isn’t the case for pet insurance. If you have a question or problem, you’ll have to handle it through the app. One caveat to be aware of is that Lemonade doesn’t cover bilateral conditions. You can cancel anytime if you decide this pet insurance isn’t right for you.

    Pros
    • Bundling & multiple pet discounts
    • Cancel at any time
    • Certified B-Corp
    Cons
    • No coverage for bilateral conditions
    • No phone support

    3. Progressive Pet Insurance

    Progressive Insurance

    Progressive made a name for itself as the car insurance brand that compares quotes from other companies. Progressive has partnered with Pets Best to offer customers insurance for their furry family members. This is one of the plans on our list that extends coverage to Canada.

    While Progressive offers bundling discounts for home and auto, they don’t appear to do so for pet insurance. We think that Progressive provides the best value in pet insurance because of its low-cost accident-only plan. You can get coverage for injuries like broken bones and bite wounds for as little as $6/month for your cat and $9/month for your dog. Remember that “accident only” plans do not cover illnesses or conditions like UTIs or cancer.

    Progressive’s BestBenefit plan includes both injury and illness coverage. You can mix and match your deductible and reimbursement coverage to create a plan that meets your needs and budget.

    Pros
    • Coverage in Canada
    • Low-cost injury-only plan
    Cons
    • No bundling discount

    4. Bivvy Pet Insurance

    Bivvy Pet Insurance

    Bivvy might be the right pet insurance for you if you want a simple policy without a lot of red tape and fine print. The company charges Wisconsin residents $14/month per pet, regardless of their pet’s age. Bivvy covers not only cats and dogs but also covers other family pets such as birds, turtles, and pot-bellied pigs.

    Reimbursement is 50% with a $3,500 annual limit and $250 deductible. That isn’t much coverage compared to other plans, but Bivvy does offer some of the lowest premiums we’ve seen.

    Pros
    • Covers cats, dogs, and most other pets
    • Low monthly premium
    • Same price for all ages and species
    Cons
    • Only offers one plan
    • No multi-pet discount

    5. Embrace Pet Insurance

    embrace pet insurance

    Embrace enforces a 6-month waiting period for canine orthopedic conditions like broken bones or ligament tears, a requirement we didn’t find on any other plans. However, you can reduce this waiting period to 14 days if you take your dog in for an orthopedic exam and waiver.

    There are no bundling discounts since Embrace only offers cat and dog insurance. The accident-only plans might be right if you have an older pet or one with pre-existing conditions but still want injury protection. You can submit claims and get most of your questions answered online, and Embrace also offers phone support Monday through Friday. However, it has a longer claims processing time than other plans on our list.

    The company states that it can take up to 15 days to reimburse you. You can choose direct deposit, or they’ll mail you a check. You’ll get your money faster if you submit your claim online or through the app, but you can also mail, fax, or email your invoice.

    Pros
    • Phone support
    • Multiple reimbursement options
    Cons
    • Long claim processing time
    • Waiting period for canine orthopedic conditions

    6. ASPCA Pet Insurance

    ASPCA Pet Health Insurance

    ASPCA is one of the few companies on our list that provides coverage for licensed vets in Canada. Considering Wisconsin’s proximity to Canada, this may be a bonus if you take frequent trips to our northern neighbors. ASPCA offers a 10% discount if you buy coverage for multiple pets. We think that ASPCA provides some of the most flexible plans on the market.

    You can choose your deductible, annual limit, and reimbursement percentage. While you can keep your monthly premiums low by pairing a high deductible with a low limit and reimbursement percentage, you may not be left with much coverage. You’ll need to crunch the numbers to determine which plans make sense for you, as you may reach a $3,000 annual limit much faster than you think.

    ASPCA allows you to submit your claims on the app, at the online Member Center, or via email. You can also go old school and submit claims via fax or snail mail, but you’ll likely have a long wait for reimbursement. ASPCA has phone support for their customers, but only Monday through Friday.

    Pros
    • Coverage in Canada
    • Multiple pet discount
    • Customizable plans
    • Several options for submitting claims
    Cons
    • Lower annual limits may not be a good deal
    • No phone support on the weekends

    7. Figo Pet Insurance

    FIGO Pet Insurance

    Figo stands out by offering 24/7 access to a vet via their app. It is also one of the few pet insurance companies offering both 100% reimbursement and no annual limit options. You can lower your monthly premium by choosing a $5,000 or $10,000 annual limit and reducing your reimbursement percentage.

    We like that Figo’s customer support reps can be reached on the weekends, as many other pet insurance companies only offer weekday support. One potential red flag we saw with Figo’s coverage is the timing of their “Transparency Report.”

    After you’ve had active coverage for at least 30 days, you can request that Figo review your pet’s medical history. They’ll then compile a report that “notes any pre-existing conditions and help you better understand your coverage.” The catch here is, if you’re unhappy with your Figo Transparency Report, you’ve already missed the cutoff for the 30-day money-back guarantee.

    Pros
    • App provides 24/7 vet support
    • Unlimited annual benefit option
    • 100% reimbursement option
    Cons
    • “Transparency Report” issued after 30 days

    8. Geico Pet Insurance

    GEICO Pet Insurance

    Geico car insurance may have a gecko spokesperson, but their pet insurance only covers cats and dogs. Geico saves you money with multi-pet discounts and for paying your annual premium in full. If you’re busy during the week, you’ll appreciate that Geico’s customer service reps answer the phones on Saturday.

    No matter which deductible, reimbursement percentage, or annual limit you choose, you’ll have access to 24/7 PawSupport. You can get answers and advice from a live Pet Pro via phone, video, or chat. Geico’s website is sparse on details compared to other pet insurance companies.

    You’ll need to enter your pet’s information and get a quote to see prices. Geico partners with Embrace to offer pet insurance, and there are no bundling discounts if you have auto insurance through Geico.

    Pros
    • Customer support Monday through Saturday
    • 24/7 PawSupport
    • Customizable plans
    Cons
    • No bundling discounts with other Geico insurance
    • Scant information on website

    9. AKC Pet Insurance

    AKC Pet Insurance

    The American Kennel Club (AKC) has been an expert in dog health, breeds, and training since 1884. Despite their canine affiliation, AKC pet insurance covers cats, too. What stands out most about this company is that they offer pre-existing condition coverage after a 12-month waiting period.

    Our research did not find any other pet insurance that covered costs associated with a pre-existing condition. AKC coverage includes 24/7 access to their vet helpline via phone or chat. This company has both a multi-pet discount and coverage in Canada.

    AKC has customizable plans and allows you to choose your deductible, reimbursement amount, and annual limits. The downside to AKC is that their age limit for accident & illness coverage is 8 years old.

    Pros
    • Pre-existing condition coverage after a waiting period
    • 24/7 vet support
    • Multi-pet discount
    • Coverage in Canada
    Cons
    • Age limit for illness coverage

    10. Hartville Pet Insurance

    Hartville Pet Insurance_Logo

    Hartville allows you to customize a plan to create coverage that’s right for your pet and your wallet. The company provides annual deductibles of $100, $250, and $500. You can choose a 70%, 80%, or 90% reimbursement rate.

    Annual limits range from $5,000 to unlimited. Hartville’s Complete Coverage plan covers alternative therapies like acupuncture, hydrotherapy, and remedies for behavioral problems.

    You can opt for their accident-only plan if you have an older pet or want to keep your premiums low. Hartville provides coverage for services performed by a licensed vet in Canada. Hartville states they process claims “in 30 days or less,” while many of the other companies on our list strive to reimburse you in a few days.

    Pros
    • Unlimited annual limit option
    • Customizable plans
    • Coverage in Canada
    Cons
    • Longer wait for reimbursement

    hepper-cat-paw-divider

    Buyer’s Guide: Choosing the Right Pet Insurance Provider in Wisconsin

    What To Look for in Pet Insurance in Wisconsin

    Shopping around for pet insurance can be overwhelming. Below, we list some factors you should consider when reviewing plans.

    Policy Coverage

    Knowing which services a policy covers is essential. That’s the only way to make a fair comparison between companies. You’ll also need to consider the type of medical care you would need if your pet were sick or injured.

    Would you seek out alternative therapies such as acupuncture? Would you pursue chemotherapy if your pet developed cancer or focus only on comfort care?

    Customer Service & Reputation

    Pet insurance companies will only post positive reviews and testimonials on their website. You’ll want to look at independent sources, such as Google reviews and the Better Business Bureau. Your veterinarian or animal hospital staff may also have insight into the various pet insurance companies.

    Claim Repayment

    Pet insurance plans differ in how quickly you receive reimbursement. All companies on our list reimburse you directly, then it’s your responsibility to pay your vet.

    Some animal clinics might be willing to wait to be paid until the insurance has reimbursed you, while others will require an upfront payment. You should determine your vet’s payment expectations before your pet gets sick or injured.

    Price Of Policy

    If you insure more than one pet, consider a company that offers multi-pet discounts. This option could save you a few dollars each month. For most plans, premium prices are based on the pet’s age, breed, and your location.

    Nationwide, the average annual premium for a dog is $583, while you can expect to pay $343 for a cat. If you move, whether within the state or outside of Wisconsin, your premium amount could change.

    Plan Customization

    Most pet insurance companies offer multiple options for reimbursement percentage, annual limit, and deductibles. Playing around with these figures can help you create a plan that fits your budget yet still provides the coverage you need.

    Pet Insurance Form Animal on the laptop screen
    Image Credit: Rawpixel.com, Shutterstock

    hepper-cat-paw-divider

    FAQ

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

    The pet insurance companies listed in this review provide coverage for services provided by veterinarians in the U.S. A handful of companies extend this coverage to Canada, which we’ve noted above.

    Most policies won’t cover vet bills if your pet is injured or becomes ill when you’re outside of the U.S. If you plan to travel internationally with your pet or move abroad, you’ll need to find pet insurance in that country. Pet lovers live around the world, and most developed countries offer pet insurance. Vets at your destination can provide advice on local pet insurance plans.

    What Is a “Pre-existing Condition” in Pet Insurance?

    You’ll notice that most, if not all, pet insurance companies do not cover “pre-existing conditions.” A pre-existing condition is any illness or injury that your pet showed signs of before your coverage started.

    What If My Insurance Company Is Not Listed in Your Reviews?

    According to the Insurance Information Institute (III), U.S. residents pay almost $2.6 billion in annual pet insurance premiums. It’s a huge industry, and it’s difficult for us to cover every insurance provider.

    Think of this review as a starting point for pet insurance plans that are available to Wisconsin residents. If you’re happy with the coverage you have, great! If you’re looking for a different policy, we hope you find this list of companies helpful.

    Which Pet Insurance Provider Has the Best Consumer Reviews?

    Consumer reviews are helpful to read before you purchase pet insurance. However, the “best” insurance plan for your budget and your pet may differ from another pet owner’s needs. Before you read through reviews, you’ll want to think about your priorities.

    How price-sensitive are you? Would you pursue every available treatment for your pet, or are you looking for accident-only coverage? Is phone support important, or are you internet savvy and okay with submitting records online?

    handing out insurance documents
    Image Credit: RODNAE Productions, Pexels

    What Is the Best and Most Affordable Pet Insurance?

    Pet insurance companies calculate your premiums based on your pet’s age, breed, and gender. Where you live also dictates costs. If you live in Milwaukee, you could pay a different amount than in Ashland.

    You can lower your premium by increasing the deductible or choosing a lower annual limit. There are so many pet insurance companies on the market because they all offer pet owners something different.

    Will I Have Coverage if My Pet Sees a Veterinarian Outside of Wisconsin?

    Pets make great traveling companions! If you and your cat or dog travel a lot, you must choose a plan that provides coverage in any state. There may be exceptions, but the industry standard is for policies to cover costs incurred at any veterinarian licensed in the state they practice. You should read the fine print in your policy before you leave home so you don’t run into any surprises.

    Is It Worth Getting Pet Insurance?

    Pet insurance is an individual choice. Only you can decide if coverage is “worth it.” If your car hit your cat, would you want your vet to exhaust every treatment available?

    Pet insurance makes sense if you need certain types of medical care and don’t have the cash on hand to cover these expenses.

    What Is an Annual Deductible on Pet Insurance?

    An annual deductible is the amount you pay out-of-pocket before the insurance coverage kicks in. Let’s say that your cat got sick, and the vet bill came to $1,200. If you had a $500 annual deductible, you would pay that amount yourself. Then the insurance company would reimburse you for the remaining $700.

    Some plans offer several choices for the annual deductible amount. Generally, the higher your deductible amount, the lower your monthly premiums will be.

    ginger cat check by vet
    Image Credit: Nestor Rizhniak, Shutterstock

    hepper-cat-paw-divider

    What the Users Say

    We noticed some common themes as we read through pet insurance reviews. Many pet owners don’t like that insurance doesn’t cover expenses for pre-existing conditions. The only company on our list that does cover pre-existing conditions is AKC, and that’s after a 12-month waiting period.

    Some pet owners are overwhelmed by policies that are several pages long and contain unfamiliar terms. While most vets don’t deal directly with pet insurance companies, they can still be a helpful resource. Your vet or animal hospital may understand which plans offer fast reimbursement and detailed coverage.

    Which Pet Insurance Provider in Wisconsin Is Best for You?

    Wisconsin pet owners have much to consider when choosing the right insurance provider. Do you need a plan that covers vets in Canada? What is your monthly budget for pet insurance premiums? When you decide which attributes are essential to you, you can narrow down your choices.

    hepper-cat-paw-divider

    Conclusion

    To recap a few of our picks, our best overall choice for Wisconsin pet insurance is Pumpkin. We like that the company has no age limits, covers alternative therapies, and offers a no annual limit option. Lemonade lets you bundle your pet insurance with homeowners, renters, and auto.

    Progressive has inexpensive accident-only plans and is our pick for the best value. Bivvy offers coverage for most family pets, including birds and turtles. Lastly, AKC is the only plan on our list to provide coverage for pre-existing conditions, but only after a 12-month waiting period.


    Featured Image Credit: Rawpixel.com, Shutterstock

    Related Articles

    Further Reading

    Vet Articles

    Latest Vet Answers

    The latest veterinarians' answers to questions from our database