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Best Pet Insurance in Wisconsin

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Americans seem to be spending more than ever on their fur babies through doggy daycare, gourmet food and spa-like grooming sessions.  

It should come as no surprise that an increasing number of pet parents seek pet insurance for their pets. Pet insurance can ease the financial load of diagnosis, management and treatment of your pet’s injury or illnesses.

Benzinga’s done the research — read on to understand what pet insurance can offer you, how policies work and discover the best pet insurance in Wisconsin.

Best Pet Insurance in Wisconsin:

Pet Insurance in Wisconsin: An Overview

Wisconsinites spend ample time in the great outdoors, due to Wisconsin’s waterways, lakes and the Northwoods. Outdoor time is great for pets and owners, but Mother Nature makes your pet more vulnerable to tick and flea diseases and injuries. 

Pets are popular in Wisconsin:

  • Number of households with pets: 32% own a cat
  • Amount spent on pet bills annually: $1,300 annual average
  • Average cost of pet insurance annually: $44.60 per month for a mixed breed, 5-year-old medium-sized dog

What Does Pet Insurance Typically Cover?

Your pet insurance policy will let you choose the best coverage type for you, based upon your pet’s age, breed, preexisting conditions and your budget.

There are 3 basic types of pet insurance:

  • Accident-only insurance plans cover injuries due to an accident. Accidental injuries include broken bones, bite wounds, poisoning and injuries from fights with other pets. Tick and flea care and preexisting conditions are usually excluded. Accident-only coverage is a good choice for young, healthy animals that only need routine exams and emergency coverage. 
  • Accident and iIllness plans cover vet-diagnosed diseases and illnesses on top of emergency accidents. Commonly-covered diseases include cancer, arthritis, skin and ear infections, obesity, allergies and certain hereditary conditions. Coverage for preexisting conditions can vary, so be sure to read your policy details. When included, plans like this can be perfect for breeds that suffer from specific issues like hip dysplasia.
  • Comprehensive plans normally include accident, illness and routine care, annual exams, heartworm, tick and flea treatments, vaccinations, regular testing, dental care and behavioral therapy sessions. 

Comprehensive coverage is great for aging pets more susceptible to injuries and age-related illnesses. Check age limits before signing up.

3 Reasons to Buy Pet Insurance in Wisconsin

Dogs most often are diagnosed with Lyme disease, giardia and diabetes in comparison to other states. These conditions are preventable and treatable when found in the early stages. Wisconsin’s harsh winters pose temperature-related health risks like hypothermia and injuries from ice/snow.

Fortunately for Wisconites, the costs of veterinary care and checkups are a lot more economical than in other states. Some common health issues and the average costs of treatment are as follows:

  1. Addison’s disease can cost up to $2,400 annually.
  2. Heart disease and cancer can cost from $5,000 up to $20,000 annually.
  3. Cataracts cost approximately $2,000 to $3,500 for each eye.

You’ll pay less for cats compared to dogs. Owning the best pet insurance plan can be a big help for the advance treatment of these illnesses.

The Best Pet Insurance in Wisconsin

Wisconsin residents pay an average of $1,300 for emergency vet care each year. Plan ahead for the unexpected with pet insurance — check out our top providers. 

1. High-Quality Pet Insurance: Spot Pet Insurance

Spot Pet Insurance offers an array of pet insurance plans endorsed by celebrity dog whisperer Cesar Millan. 

Choose from Accident-Only Coverage and Spot On coverage and add on a Preventive Care Feature for routine care coverage. Then you can customize the type of coverage, deductible, reimbursement and annual limit based on your needs. General deductible options available are $100, $500 and $250. 

You can also customize your reimbursement from 70% to 100%. Your pet can be enrolled as early as 8 weeks old, and there is no upper age limit. 

2. Most Affordable in Wisconsin: PetFirst

PetFirst is one of the fastest-growing pet insurance companies in the U.S. Its plans cover dogs and cats of all breeds and ages with no lifetime or per-incident limits.

Accident coverage is immediate and illnesses require a 14-day waiting period. After a waiting period of 12 months, your pet is covered for disc diseases, cruciate damage of ligaments, hip dysplasia and other hereditary and preexisting conditions. 

Routine care benefits consist of behavioral training, neutering and spaying, dental care and flea and tick treatment. Up to 80% reimbursement is provided on approved vet bills. Compensation claiming can be done via mail, fax and through its online portal. 

  • Average monthly premium for dogs: $34
  • Average monthly premium for cats: $16

3. Best for Reimbursement Claims: Healthy Paws

Healthy Paws is known for its easy claims filing process, swift reimbursements, alternative therapies and reasonable deductible options. The company offers these features in 1 comprehensive package to cover your pet for a lifetime. Its insurance plans cover illnesses, accidents, injuries, genetic conditions and also emergency care. You can expect Healthy Paws comprehensive coverage to include:

  • Hereditary and congenital conditions
  • Cancer
  • Hospitalization
  • Ultrasounds
  • Surgery
  • X-rays
  • Blood tests
  • Diagnostic treatment
  • Prescription medications
  • Alternative treatments

The waiting period for injury and illness is 15 days and 12 months for reimbursement for hip dysplasia treatment. Claims can be filed by submitting vet bills through the app.

  • Average monthly premium for dogs: $52
  • Average monthly premium for cats: $24

4. Best for Supplementary Coverage: Embrace

Embrace started in 2003 as a project of the Wharton Business School and the company now insures more than 100,000 pets. Embrace is known for its flexible wellness care plans.

You can expect reimbursement for routine care and supplementary treatments, including:

  • Grooming and training
  • Medicated shampooing
  • Umbilical hernia treatment
  • Routine blood and fecal tests
  • Nutritional supplements
  • Gastropexy
  • Behavioral training
  • Reiki massage sessions
  • Chiropractic care
  • Acupuncture
  • Dental care
  • Tick, flea and heartworm medication
  • X-rays

There’s a 48-hour waiting period for accidents and a 14-day waiting period for illness coverage. You can customize any of their plans based on your requirements. If you want a specific preexisting condition coverage, Embrace will review your file for consideration. Up to 80% to 90% reimbursement is provided on approved vet bills. 

  • Average monthly premium for dogs: $34
  • Average monthly premium for cats: $16

5. Best for Accidents & Illness: Pets Best

Dr. Jack Stephens, the founding father of North America’s pet insurance industry, founded Pets Best in 2005. 

Pets Best offers both accident and illness plans and accident-only plans. Accident and illness is offered at 3 levels: Elite, Essential and Plus. All vary in price, so you can choose any one of these, depending on your budget. 

Essential plans cover outpatient and specialist care, ongoing and chronic conditions, lab tests, medications, injections and diagnostic tests like X-rays, CAT scans or MRIs. You’ll also have coverage for euthanasia, prosthetic devices and dental care. 

The Plus plan covers exam fees, while Elite includes physical, chiropractic and acupuncture therapy. Expect a 3-day waiting period for accidents, 24 hours for routine care and 14 days for illness. 

Pets Best offers a variety of deductibles ranging from $50 to $1000 and will reimburse 70 to 90% of your total bill. Submit claims by uploading your bills online or through the app. Reimbursement is available in as little as 5 days. 

  • Average monthly premium for dogs: $44
  • Average monthly premium for cats: $10

The Bottom Line

Protect your pet with a pet insurance policy. Do the research before choosing a plan that is right for you. Spend your money spoiling your furry family member instead of dishing out extra money for emergency and routine care.   

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