Pet Insurance Indiana

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Contributor, Benzinga
Updated: July 7, 2022

Did you know many of our readers end up choosing Lemonade Pet Insurance for their pet insurance coverage?

If you’re a pet owner, you understand the costs that accompany pet ownership. Pet food, leashes, licensing and toys add up, but when you love pets like family, the extra money is worth it. If you're looking for the best Indiana pet insurance, look no further.

Pet insurance is 1 way to ensure you can afford the best medical care. Check out Benzinga’s guide for the best pet insurance in Indiana.

Best Pet Insurance in Indiana:

Compare Indiana Pet Insurance Quotes

  • Lemonade Pet Insurance
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    Top-rated pet insurance
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    securely through Lemonade Pet Insurance's website
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    Lemonade is currently available in the following states: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, District Of Columbia, Georgia, Illinois, Indiana, Iowa, Maryland, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, and Wisconsin,

  • Spot Pet Insurance
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    Prescription food and supplements
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    securely through Spot Pet Insurance's website
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  • Pumpkin Pet Insurance
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    Families with multiple pets
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    Limitations apply. For terms and conditions, visit Pumpkin Insurance Services Inc. (NPN#19084749) (“Pumpkin”) is a licensed insurance agency, not an insurer. Insurance plans underwritten by United States Fire Insurance Company. Preventive Essentials is not an insurance policy, and is not available in all states.

  • Trupanion
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Pet Insurance in Indiana: An Overview

You might ask yourself whether pet insurance is really worth it. The national numbers speak for themselves.

Number of households with pets: 72,781,269

Amount spent on pet bills annually: $1,070 for cats; $1,270 for dogs

Average cost of pet insurance annually: $300 for cats; $540 for dogs

What Does Pet Insurance Typically Cover?

Pet insurance mirrors your health insurance in many ways. You’ll find a range of coverage for all needs and you’ll also encounter some of the same vocabulary words:

  • Deductible. This is the amount you must pay out-of-pocket for covered services before your insurance provider contributes toward your pet’s medical costs. 
  • Premium. The amount you pay each month or year to keep your pet’s coverage active.
  • Reimbursement level. The percentage pet insurance providers reimburse you for covered services after you meet your deductible.

Covered services are the procedures and treatments accepted by your pet insurance plan — here’s what many pet insurance plans offer.


Let’s say your pet has a medical emergency or injury such as a bite wound or broken bone. These types of injuries qualify as accidents. Treatment for common mishaps (like when your dog swallows your gym socks) may also be covered.


Standard pet insurance covers both minor and major illnesses. Minor illnesses might include ear infections or acute allergies, while major illnesses might be arthritis, hypothyroidism or even cancer. No pet insurance company offers coverage for preexisting conditions. However, in some cases, pet insurance companies may offer coverage for a condition your pet has not shown symptoms of for 6 or more months.


Microchips are small chips inserted beneath the skin between your cat or dog’s shoulder blades. Microchipping is a minimally-invasive procedure done in minutes in most vet offices. If your pet ever gets lost, the microchip allows a vet’s office or animal shelter to scan for identifying information such as your name and phone number.

Vet Services

If your pet lands at the vet’s office due to a covered accident or illness, diagnostic testing is covered — this could involve blood work, MRIs, ultrasound and X-rays. Sutures, prescription medications or surgery are also covered. Some pet insurance companies may offer additional coverage options or add-ons. 

Alternative Treatments

After your pet is diagnosed with a covered condition, you may seek alternative treatments to alleviate his or her symptoms. Some pet insurance companies offer coverage for alternative treatments such as acupuncture, chiropractic care, hydrotherapy, laser therapy and more.

Behavioral Issues 

If your pet starts exhibiting abnormal behaviors and your vet finds that these issues are caused by an underlying medical condition, your pet could require specialized care. Some pet insurance companies will offer coverage for your pet to receive treatment from an animal behaviorist.

Congenital and Hereditary Conditions 

This is a concern for some pet parents, especially owners of purebred pets. Coverage for such conditions varies — be sure to read and compare policies carefully.

Exam Fees

Each time you visit the vet, you’ll pay a basic exam fee. Some pet insurance policies do not cover the exam fees, even if it covers the treatment for your pet’s condition. 


Pet prescription coverage might include prescription food, medications or prescribed supplements.

The Best Pet Insurance in Indiana

Now that you know what to expect from pet insurance, let’s look at your options. Pet insurance companies vary by state, so get a quote for the most accurate quotes. Here are a few of our favorite pet insurance companies in Indiana to get you started.

Lemonade Pet Insurance
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  • Top-rated pet insurance
securely through Lemonade Pet Insurance's website

1. Best Overall: Lemonade Pet Insurance

Lemonade offers super customizable pet insurance to dog and cat pet parents. Choose from several types of coverage to build your perfect plan. Coverage options include accidents & illness coverage, preventative & wellness coverage, extended accident and illness coverage and more.

You can also decide your coinsurance rate -- with Lemonade, they'll reimburse 70%, 80% or 90% of your eligible vet expenses depending on your choice. Deductibles and annual maximums are also customizable. Lemonade stands out for it's high annual maximums -- choose up to a $100,000 limit.

Pumpkin Pet Insurance
Best For
  • Families with multiple pets
securely through Pumpkin Pet Insurance's website

2. Best for Extensive Coverage: Pumpkin Pet Insurance

Take a look at Pumpkin for extensive pet insurance coverage. Pumpkin Pet Insurance has traditional pet insurance for dogs and cats, as well as optional preventive care coverage. Its policies all have a 90% reimbursement rate. 

You'll find its policies cover a wide range of situations. Start with a sample quote today for a better understanding of coverage and exclusions. 

Get a hold of the Pumpkin Pet Insurance customer service team by:

  • Calling 1-866-ARF-MEOW, Monday to Friday from 8 a.m. to 8 p.m. EST.
  • Emailing

Pumpkin's new online chat feature is in the works and coming soon.

Spot Pet Insurance
Best For
  • Prescription food and supplements
securely through Spot Pet Insurance's website

3. High-Quality Pet Insurance: Spot Pet Insurance

Spot Pet Insurance is the No. 1 pet insurance provider recommended by Cesar Millan, the leading expert in dog behavior. Some insurance highlights:

  • Up to 90% reimbursement on eligible vet bills
  • No age cap on coverage
  • Plans start as low as $1 a day* — that’s less than a cup of coffee!

You can customize your coverage and can even add special Spot-On coverage. Coverage options include accidents, behavioral issues, dental disease, illnesses, preventive services and even hereditary and congenital conditions. 

Spot’s claims service is easy. Just visit your vet (don’t forget to give your pet a treat on the way out!), send Spot the bill and get reimbursed.

Take 30 seconds to fetch your free quote now. 

*Rates vary based on plan type, species, breed, age and location

Progressive Pet
Best For
  • Bundling with other insurance products
securely through Progressive Pet's website

4. Best for Insurance Product Bundling: Progressive

Are you already a Progressive customer?

Consider enrolling in its pet insurance option — and bundle it with your auto, rental or other insurance policy.

You could earn a discount on your monthly premiums. Progressive offers pet insurance plans with varying levels of coverage.

Best For
  • Immediate Coverage
securely through PetFirst's website

5. Best for Accident-Only Coverage: PetFirst

Want to cover just worst-case scenarios? Check out PetfFirst’s accident-only coverage. Enroll in comprehensive coverage for vet visits after an accident or illness.

Or you can enroll in its accident-only coverage if you want a more economical plan for when your pet gets injured. Some owners prefer accident-only coverage for their young and healthy pets.

Remember: If you enroll in an accident-only plan, your pet will not be covered for any illnesses or other conditions.

How Do I Choose the Best Pet Insurance in Indiana?

You want the best insurance for your pet. Ask yourself what’s most important to you. How much are you willing to spend per month on your premiums? Owning a pet is an expense, but pet insurance keeps everything affordable.

Frequently Asked Questions

Does pet insurance cover preexisting conditions?

It depends on the provider, but many pet insurance companies do not cover preexisting conditions. That’s why getting pet insurance early in your pet’s life is a good idea.

How does pet insurance work?

Typically, pet insurance works on a reimbursement basis. You’ll pay up front, and submit a claim. Your insurer will usually pay a certain percentage per expense.