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

Owning pets can be both rewarding and expensive, so having pet insurance can save you thousands of dollars, especially in emergency and accident-type situations. Most pet insurance companies offer coverage in all U.S. states, with Wyoming included. In Wyoming, vet bills seem to be lower than the national average, which means pet insurance can be more affordable in the state.

In this article, we’ll look at ten pet insurance companies for Wyomingites and explain in-depth what each plan covers, their exclusions, and how each one works overall. Our goal is to help you make the best decision for both your wallet and your beloved fur baby.

A Quick Glance at Our Favorites of 2024

The 10 Best Pet Insurance Providers in Wyoming

1. Spot Pet Insurance – Best Overall

Spot pet insurance offers coverage for dogs and cats. You can choose from five deductible and three reimbursement rates, which makes choosing what you need simple and straightfoward. If you choose their accident and illness policy, things like hereditary conditions, behavioral issues, alternative therapy, and chronic issues will be covered under that plan.

Spot is one of the more expensive companies, and they have a 14-day waiting period before coverage kicks in, but they do offer a 10% discount for enrolling multiple pets compared to the standard 5%. For preventative care, you have two options: the Gold Package, which covers dental cleanings, wellness exams, deworming, and heartworm medication for $9.95 extra, or the Premium Package, which covers the same as the Gold but in addition to blood tests, fecal tests, urinalyses, and health certificates for $24.95 extra per month.

They do not have a weekend customer service, but they do cover end-of-life expenses, such as euthanasia, cremation, and burial. You can submit claims online, and there is no age limit for coverage. They will cover curable pre-existing conditions as long as there have been 6 months of no treatments or symptoms. They do not cover knee or ligament conditions.

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2. Wagmo Pet Insurance

 

Wagmo pet insurance has three plans that cover everything from diagnostic tests, hospitalization, cancer treatment, and more. The classic plan, which is the most popular, runs from $36 a month, or you can choose their value plan from up to $20 per month or the deluxe plan from $59 per month.  All plans have slight variations on what they cover, and you can choose a deductible of $100, $250, or $1,000.

The wellness coverage covers routine annual exams, in addition to mobile and in-home care. Grooming is covered, along with dental treatment with the deluxe plan. You can also be reimbursed within 24 hours from the vet visit.

They only cover hip dysplasia in pets under 6 years of age, and there is a 30-day waiting period for cancer treatment.

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3. Pets Best

Pets Best Pet Insurance offers customizable plans for cats and dogs. You can choose routine wellness coverage, accident and illness, or accident-only coverage. With the customizable options, you can choose your deductible and reimbursements rates, which will alter your monthly premiums. For example, you can choose a deductible from $50, $100, $200, $250, $500, and $1,000, and reimbursement rates of 70%, 80%, or 90%.

The accident-only is a good option for those looking to get coverage but on a budget. You pay as little as $6 for cats and $9 for dogs monthly. This plan covers accidents like broken limbs, snake bites, or obstruction from swallowing an object.

The accident and illness plan covers a bit more with monthly costs between $35–$58 monthly for dogs and $22–$46 monthly for cats. They also offer a 5% multi-pet discount when you enroll multiple pets.

For overall wellness, Pets Best offers a Best Wellness plan and an Essential Wellness plan that can be added to an existing policy for an extra fee. If you’re looking for complete coverage, this option will cover pretty much anything except for pre-existing conditions, which is standard for all pet insurance companies.

A drawback to this company is premiums increase with age; however, there are no age limits for enrollment. Before the policy kicks in, you’ll have waiting periods of 3 days for accidents, 14 days for illness, and 6 months for a cruciate ligament. They do offer a 24/7 hotline for emergencies, and they have a direct payment option, which pays your veterinarian directly.

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4. Figo

Figo is the easier pet insurance company as far as making decisions for coverage for dogs or cats. They only have an accident or illness plan, but you can add a wellness package to your policy for a little extra a month. The wellness package covers exam fees and vaccines, and there are no lifetime maximums, meaning you won’t be penalized due to how much you use the insurance. They have a “power up” option that you can add to the wellness coverage, which covers dental issues with the exclusion of dental cleanings.

This company stands out with its 1-day waiting period for accident coverage, and they process claims within 2–3 business days. They also feature a Figo Pet Cloud app that allows you to connect with other pet owners, talk with veterinarians, schedule play dates, and more.

Another standout feature is they offer a 100% reimbursement option, which is hard to find with other companies. There’s no age limit or caps for coverage, and deductibles and reimbursement fees are customizable. You have access to a veterinarian 24/7 via their hotline, and their customer service receives excellent reviews.

They do have a 6-month waiting period for orthopedic conditions, such as hip dysplasia, knee injuries, or disc problems, but you can choose $5,000, $10,000, or unlimited annual benefits.

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5. Embrace

Embrace is a pet insurance company that covers pretty much any condition with the exclusion of the standard pre-existing conditions. Speaking of which, Embrace handles pre-existing conditions differently—they review only the last 12 months of your cat or dog’s medical records instead of the standard 24 months, which results in pre-existing conditions being covered sooner. They have an extensive list of what they cover. However, cosmetic procedures, pregnancies, and breeding are not covered.

You have 10 deductible options, and with each year you do not fill a claim, you get a $50 credit on your deductible. For our military and veterans, you can enjoy a 5% discount, and for multiple pet households, you can enjoy a 10% discount. You also have the option of paying your premiums monthly or annually.

Embrace offers a Wellness Rewards program that covers grooming expenses, but they do have a 14-day waiting period for illnesses, a 2-day waiting period for accidents, and a 6-month waiting period for orthopedic conditions. There is also an age limit of 14 for enrollment. They offer a 24/7 hotline, and processing claims is easy from their website with a 10–15-day timeframe for reimbursement.

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6. ASPCA

The American Society for the Preventions of Cruelty to Animals (ASPCA) offers coverage not only for dogs and cats but also for horses. You have the choice of accident-only coverage for a more affordable option, or you can opt for complete coverage. ASPCA also covers exam fees without having to add on preventative coverage, which is a nice perk.

Complete coverage includes behavioral conditions, hereditary conditions, chronic conditions, alternative therapies, medicine, prescription food, supplements, and microchipping. They do not cover cosmetic procedures or pregnancies.

This company does have the standard 14-day waiting period for coverage, and they have slow claims processing that sometimes can take up to 30 days to complete. You can, however, submit claims easily from their website.

There is no age limit, and they offer a 10% for multiple fur babies. If you want preventative care coverage, that will cost you extra per month.

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7. Healthy Paws

If you’re looking for an easy choice, Healthy Paws only offers an accident and illness plan that makes things more straightforward. A drawback to this is they do not offer any type of preventative care or coverage for behavioral issues, and you don’t have the option of adding these, either. What this means is that you will pay the entire bill for wellness exams, blood work, and vaccines. However, you don’t have to worry about caps when you file claims.

They are fast to process claims through a mobile app, and it takes roughly 2 business days to complete for reimbursement. You have five options for deductible and reimbursement rates, and they offer a 30-day money-back guarantee.

A standout acknowledgment is that they help homeless pets receive medical care, and for that, we applaud them. This company has a 15-day waiting period for accidents, illnesses, and cruciate ligament coverage, and a 1-year waiting period for hip dysplasia coverage. They do cover euthanasia, but they do not cover cremation or burials. No discounts are available, as well.

You may want to look elsewhere if you need preventative care options, but it’s a good choice for those seeking only accident and illness coverage.

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8. Pumpkin

Pumpkin pet insurance is unique because they do not have any sneaky add-ons. Their accident and illness coverage stays the same regardless of your aging pet’s age, and they will reimburse 90% of covered vet bills. Pumpkin also offers a Preventative Essentials package you can buy when you enroll your pet, and purchasing this package for an extra monthly fee will reimburse 100% rather than 90%.

A standout feature is a 6-month to a 1-year waiting period for hip dysplasia or knee injuries; you won’t find that short timeframe with any other pet insurance company. They also cover dental treatments due to gum disease or injury, regardless if your pet has had a dental cleaning within the last 12 months, which is what most companies require. However, routine dental cleanings are not covered.

A 10% discount is available for enrolling multiple pets, and you can submit a claim on their website, which is optimized for any smartphone, desktop, or tablet.

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9. Hartville

Hartville pet insurance has a complete coverage plan that includes exam fees, which is a nice perk; most do not cover exam fees. The complete coverage plan covers diagnostic costs and treatment if your dog or cat gets sick, and you can choose a deductible of $100, $250, or $500. Reimbursements options are 70%, 80%, and 90%. They also have an accident-only plan that will also include exam fees.

You can choose your annual limit from $5,000 to unlimited, which starts over at the beginning of the year. You can add preventative coverage for a little extra a month that will cover wellness exams, vaccines, and dental cleanings, which is another nice perk.

This company does not cover breeding, cosmetic procedures, or pre-existing conditions. It also has a payout cap of $10,000, which is lower compared to its competitors. A monthly transaction fee of $2 makes the plan a little more each month, which could be a turn-off for some people. It also does not cover grooming services.

They do not have an age limit for enrollment, and coverage does not diminish as your pet ages. This plan has a 14-day waiting period for coverage.

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10. Nationwide

Nationwide pet insurance is unique in that they cover exotic animals in addition to dogs and cats, which is terrific news if you own an exotic pet and want coverage for your animal friend, whether it’s birds, guinea pigs, hamsters, mice, lizards, and so forth.

Nationwide gives you plenty of options when it comes to coverage that ranges from “nose to tail” coverage, accident-only, and wellness. They have two wellness package plans that cover deworming, vaccines, fecal tests, nail trims, microchipping, flea and heartworm prevention, and physical exams, all with payout variations. Hereditary and alternative therapies are covered under the Whole Pet and Major Medical plans, as well as diagnostic testing and x-rays. The wellness plans will cost you extra per month and range from $12–$22.

Unfortunately, they have an age limit of 10 years old, but they will not drop your pet once that age is reached. However, ensure you do not let your plan lapse, as that will result in discontinued coverage for your senior fur baby.

A 5% discount is offered to current customers, but you will have to pay for services rendered upfront to your vet. After filing the claim, you will be reimbursed a percentage, or you have the option of using their benefit schedule, which is set at a certain amount regardless of the amount of the bill.

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

What to Look for in Pet Insurance

When it comes to shopping for pet health insurance, there are a few factors to consider before committing to any plan. Factors such as your pet’s breed and age can affect how much you will spend monthly. To better understand what to look for, let’s take a deeper dive into the various factors that can influence your decision.

Policy Coverage

Not all pet insurance operates in the same way. Some will cover certain conditions, and some will not. Pre-existing is commonly not covered under any issuance, but some have specific factors, such as covering after 1-year of no symptoms or treatments, and some will cover after 2-years.

Dental treatment varies, as some will cover routine cleanings, and some will only cover dental treatments due to an injury. Most offer an accident-only plan that is an affordable option, and most offer a preventative care plan that can be added for an extra monthly fee. The type of plan that will work for you really depends on your dog’s overall health and age.

Customer Service & Reputation

All plans have their own protocols when it comes to customer service. It’s wise to read reviews on any plan’s customer service to get an idea of how easy they are to work with. Most offer easy claim submission from either an app or a website. Ensure you read reviews from customers on how fast claims are processed and the friendliness of the staff. Another perk to look for is if the company has a 24/7 hotline for any inquiries you may have, which can limit frustration if you have an issue over the weekend.

Claim Repayment

Some pay claims directly to your vet, and some will send you a check for reimbursement. Ensure you do your research and understand how the company’s reimbursing protocols work. For example, knowing how much you can expect to be reimbursed is important, as you can choose your deductible amounts and reimbursement rates. When deciding on a rate, one thing to consider is the deductible. The higher the deductible, the lower your monthly premium will be. However, if you choose a lower deductible, your monthly premium will be higher, but you will meet the deductible much quicker, which means sooner reimbursement for costly vet bills.

Price Of Policy

The price of any policy will vary depending on what type of coverage you are looking for. Accident-only coverage is much more affordable but will only cover just that–accidents. Accident and injury plans are slightly more, but most charge you extra a month for a wellness package.

In Wyoming, the average cost for dogs is $24 per month with $5,000 annual coverage and $46 per month for unlimited annual coverage. For cat owners, you will pay on average $13 per month for $5,000 annual coverage.

Plan Customization

Most offer plan customization, such as choosing your deductible amount and reimbursement rates, which will alter your monthly costs. Some keep it simple with straight, across-the-board coverage with limitations on what’s covered. You know your pet the best, and if you feel you need all the coverage you can get, ensure you understand the exclusions and conditions beforehand.

FAQ

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

Most plans offer coverage in the U.S. and Canada, while others limit it to the U.S. Embrace offers a travel policy for your pet, and if you travel with your pet often, this could be a nice option.

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

All pet insurance companies have a website with valuable information explaining their policies in depth. If you don’t see one you’re interested in from our reviews, you can always check the company out for yourself and use our guide to help you in knowing what specifics to look for.

Which Pet Insurance Provider Has the Best Consumer Reviews?

Embrace has the best overall reviews due to its fast 2-day claim processing.  They offer wide coverage for various ailments and give deductible credits of $50 each year you do not file a claim. Their customer service and overall coverage for the money satisfy many customers with very few complaints.

What Is the Best and Most Affordable Pet Insurance?

Embrace seems to be the most affordable company with the most coverage for the money. Plus, they offer a $50 credit for each year you do not file a claim. Pets Best is another excellent company with affordable rates and customizable options.

What the Users Say

Most people are happy with the company they choose. Most complaints concern the speed of processing claims and denying coverage for a pre-existing condition. All pet insurance companies have protocols for what they consider a “pre-existing” condition, so ensure you understand the policy before you buy.

Which Pet Insurance Provider Is Best for You?

Most plans cover both dogs and cats, and if you have an exotic animal, you may be limited. However, Nationwide is one of the few plans that offer such coverage. For senior pets, there may be an age limit for enrollment, and others may increase your rates as your pet ages. It really depends on the animal, age, and breed.

Conclusion

Having pet insurance can save you thousands of dollars, especially for unexpected emergencies and accidents. Most will allow you to see any vet of your choosing, but it’s a good idea to double-check this information before buying a policy. Ensure you know exactly what is covered and that you’re only paying for what you need, and make sure you understand the company’s exclusions, caps (if any), and rates.

• See also: 10 Pet Insurance Reviews

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Featured Image Credit: Ekaterina_Minaeva, Shutterstock