Best Pet Insurance Companies In Indiana

In Indiana, when it comes to pet insurance, my top recommendation is Lemonade Pet Insurance.

min read
Updated: 19 September 2023
Written by
Doug Schaffer

On this page

Open

Our team of pet insurance experts conducted a thorough evaluation, assessing 35 quotes from 20 different pet insurance providers to determine the best coverage for various situations. Among them, Lemonade Pet Insurance emerged as the top choice for overall pet insurance coverage in Indiana. It also excelled in providing the most budget-friendly options, particularly for owners of young pets.

However, it’s worth noting that three other companies, namely ASPCA, Embrace, and Pets Best Pet Insurance, also earned recognition for their excellence in specific categories.

In the upcoming sections, we’ll delve into a detailed analysis of some of Indiana’s finest pet insurance options, considering various factors that can influence your overall premiums.

Best Pet Insurance Companies In Indiana, 2023

Lemonade
Best Overall Coverage - Lemonade Pet Insurance
Lemonade
Best for Affordable Coverage - Lemonade Pet Insurance
Lemonade
Best for Owners of Young Pets - Lemonade Pet Insurance
aspca
Best for New Pet Owners - ASPCA Pet Insurance
embraceicon-logo
Best for Cat Owners - Embrace Pet Insurance
Best Pet Insurance, Indiana 2023

Compare The Best Pet Insurance Companies In Indiana

Overall Rating Best For Coverage Waiting Period Average Annual Cost for Cats Average Annual Cost for Dogs Get A Quote
Lemonade Pet Insurance
4.7

Overall Coverage

2 days for accidents and 14 days for illnesses

$18.41

$35.18

Instant Quote
Lemonade Pet Insurance
4.7

Affordable Coverage

2 days for accidents and 14 days for illnesses

$18.41

$35.18

Instant Quote
ASPCA
4.6

New Pet Owners

immediately for preventive care and 14 days for accidents and illnesses

$38.67

$83.30

Instant Quote
Embrace
4.7

Cat Owners

48 hours for accidents and 14 days for illnesses

$20.44

$48.25

Instant Quote
Lemonade Pet Insurance
4.7

Owners Of Young Pets

2 days for accidents and 14 days for illnesses

$18.41

$35.18

Instant Quote
Pets Best
4.5

Owners Of Multiple Pets

3 days for accidents and 14 days for illnesses

$29.54

$41.39

Instant Quote
Scroll to see comparisons

Our Methodology

To find the most affordable pet insurance rates in Indiana, we conducted a comprehensive analysis. Our team scrutinized data from various pet insurance companies operating across the state. Additionally, we leveraged the extensive collective experience of our insurance experts, boasting over twenty-five years in the field.
Here's a quick overview of our research efforts:

  • We thoroughly examined 40 insurance quotes.
  • We conducted in-depth assessments of 18 different insurance brands.
  • Our team brings a cumulative 25 years of valuable industry experience.
  • Our research spanned more than 32 hours of dedicated effort.
  • It's essential to bear in mind that while the rates provided in this guide are accurate at the time, pet insurance premiums can fluctuate daily, influenced by factors like your pet's age or breed.

    35

    Quotes Analyzed

    25+

    Years Of Industry Experience

    20

    Brands Reviewed

    32+

    Research Hours

    Reviews Of The Best Pet Insurance Companies In Indiana


    Best Overall Coverage

    Overall Rating
    4.7

    Key Statistics

    9/10 Affordability
    9/10 Customer Reviews
    9/10 Payouts
    8/10 Coverage Level

    Why We Like Them

    When evaluating the best pet insurance companies, various factors come into play, including affordability, customer service quality, and claims processing speed. In Indiana, Lemonade Pet Insurance stands out as a top performer across most categories. They offer budget-friendly monthly coverage, with rates as low as $18.41 for cats and $35.18 for dogs.

    But it’s not just about low costs; Indiana pet owners have also lauded Lemonade for delivering an exceptional customer service experience. The team’s genuine care for animals shines through in their service to policyholders, making them a standout choice in the region.

    Benefits & Drawbacks

    Benefits
    • Accidents covered after just a 2-day waiting period
    • Outstanding claims processing department in the industry
    • A wide range of discounts to take advantage of
    • A portion of monthly premiums contributes to nonprofit organizations
    Drawbacks
    • Age restrictions apply to certain pet breeds during enrollment
    • Availability of policies is limited, not offered in every state
    • Insurance rates are influenced by pet owner credit and claim history

    Best Affordable Coverage

    Overall Rating
    4.7

    Key Statistics

    9/10 Affordability
    9/10 Customer Reviews
    9/10 Payouts
    8/10 Coverage Level

    Why We Like Them

    When evaluating the best pet insurance companies, various factors come into play, including affordability, customer service quality, and claims processing speed. In Indiana, Lemonade Pet Insurance stands out as a top performer across most categories. They offer budget-friendly monthly coverage, with rates as low as $18.41 for cats and $35.18 for dogs.

    But it’s not just about low costs; Indiana pet owners have also lauded Lemonade for delivering an exceptional customer service experience. The team’s genuine care for animals shines through in their service to policyholders, making them a standout choice in the region.

    Benefits & Drawbacks

    Benefits
    • Rapid 2-day accident waiting period
    • Swift claims processing outpaces major competitors
    • Abundance of available discounts
    • The company allocates a portion of the policyholder's premium to support nonprofits
    Drawbacks
    • Some pet breeds lose coverage after reaching a specific age
    • Coverage availability varies depending on your state of residence
    • Insurance rates take into account pet owner credit and claim history

    Cheapest Rates For Cat Owners

    Overall Rating
    4.7

    Key Statistics

    9/10 Affordability
    10/10 Customer Reviews
    8/10 Payouts
    7/10 Coverage Level

    Why We Like Them

    If you’re a cat owner in Indiana seeking top-notch policies for your feline friends, Embrace Pet Insurance should be high on your list. They provide budget-friendly rates for cat insurance, with an average monthly premium of just $20.44.

    What sets Embrace apart is their commitment to local charities – they go the extra mile by donating $2 for every policy they sell.

    Notably, Embrace Pet Insurance is the preferred partner of several major car and home insurance providers, including USAA, Allstate, and GEICO, making them a trusted choice for comprehensive coverage.

    Benefits & Drawbacks

    Benefits
    • Access to cost-friendly policy options
    • Inclusion of coverage for curable pre-existing conditions in most standard policies
    • Owners with pets in need of orthopedic care can bypass the waiting period by obtaining a vet exam
    Drawbacks
    • Senior pets aged 14 and above are eligible only for accident-only policies
    • Supplemental coverage is not integrated into standard policies

    Cheapest Rates For Owners Of Multiple Pets

    Overall Rating
    4.5

    Key Statistics

    8/10 Affordability
    9/10 Customer Reviews
    7/10 Payouts
    9/10 Coverage Level

    Why We Like Them

    Having multiple pets can increase costs for things like food and toys, but it can also lead to savings with pet insurance. Many providers, including Pets Best, offer multi-pet discounts for those insuring multiple animals.

    Beyond the discount, Pets Best offers pocket-friendly monthly premiums, with average rates of $29.54 for cat insurance and $41.39 for dog insurance.

    Pets Best goes the extra mile for policyholders by providing several benefits, such as access to a 24/7 vet helpline for emergencies. They also offer coverage for animals with disabilities or those requiring special prosthetic devices, making them a comprehensive choice for pet insurance.

    Benefits & Drawbacks

    Benefits
    • Coverage includes pets requiring wheelchairs or prosthetic devices
    • Access to veterinary assistance through the 24/7 vet healthline
    • A 3-day waiting period for accident coverage
    • Flexible coverage choices for accident and illness policies
    Drawbacks
    • Claims processing is generally less speedy compared to other competitors
    • Policy modifications can only be made during the renewal period

    Cheapest Rates For Owners Of Young Pets

    Overall Rating
    4.7

    Key Statistics

    9/10 Affordability
    9/10 Customer Reviews
    9/10 Payouts
    8/10 Coverage Level

    Why We Like Them

    Many folks opt for younger pets who can grow alongside their family. While welcoming a kitten or puppy is exciting, it does bring new responsibilities that can initially seem overwhelming. Besides proper training, finding a pet insurance provider that simplifies coverage acquisition and management is crucial.

    Lemonade Pet Insurance strikes an ideal balance between affordability and user-friendly features. The company stands out with its top-notch mobile app and customer service team. Moreover, Lemonade offers competitive rates, averaging $18.14 for cats and $35.18 for dogs.

    For those with young pets, Lemonade Pet Insurance shines as the top choice, making pet ownership a breeze.

    Benefits & Drawbacks

    Benefits
    • Pet injuries have a mere 2-day waiting period for policyholders
    • Claims are processed swiftly with short turnaround times
    • A wide array of discounts is at your disposal
    • The company allocates a portion of the policyholder's premium to support nonprofits
    Drawbacks
    • Certain pet breeds become ineligible for coverage after reaching a particular age
    • Coverage is not available in every one of the 50 states
    • Insurance rates take into consideration pet owner credit and claim history

    Cheapest Rates For New Pet Owners

    Overall Rating
    4.6

    Key Statistics

    8/10 Affordability
    9/10 Customer Reviews
    8/10 Payouts
    8/10 Coverage Level

    Why We Like Them

    For new pet owners, having a reliable pet insurance provider like ASPCA is crucial. They have a strong foundation and a track record of advocating for animal health.

    It’s worth noting that ASPCA’s average premiums are slightly higher, with cat insurance at $38.67 and dog insurance at $83.30. However, there are several advantages that outweigh the extra cost of choosing ASPCA. One significant benefit is that ASPCA has no age limit, ensuring that senior pets can receive coverage, regardless of their age.

    Additionally, ASPCA offers extra coverage for behavioral issues and alternative therapies, which can be particularly beneficial for certain dog breeds.

    Benefits & Drawbacks

    Benefits
    • Coverage encompasses a wide range of items, including alternative therapies, behavioral issues, and congenital conditions
    • Swift 14-day waiting period for cruciate injuries
    • Access to a 24/7 telehealth vet line
    • Standard policies cover vet clinic visit fees for illnesses and accidents
    Drawbacks
    • Unlimited annual coverage is exclusively accessible through an agent
    • Limited choices for deductibles

    Average Cost Of Pet Insurance In Indiana

    Average Cost In Indiana — By Cat Breed

    Cat Breed Average Monthly Cost
    Domestic Shorthair $13
    Sphynx $19
    Siamese $23
    Maine Coon $27

    Average Cost In Indiana — By Dog Breed

    Dog Breed Average Monthly Cost
    Affenpinscher $19
    Labradoodle $37
    Greyhound $65
    Newfoundland $85

    Average Cost In Indiana — Accidental-Only Coverage

    Insurance Provider Average Monthly Cost for Accident-Only Coverage
    Lemonade $29
    Pets Best $36
    TrustedPals $37
    Figo $44
    ASPCA $55

    Average Cost In Indiana — Comprehensive Coverage

    Insurance Provider Average Monthly Cost for Comprehensive Coverage
    ManyPets $34
    Pets Best $39
    Lemonade $48
    Trusted Pals $52
    Healthy Paws $57

    How To Find The Best Pet Insurance Company For You

    Purchasing pet insurance resembles acquiring health or life insurance for yourself. It’s crucial to compare rates, but before you do so, it’s important to understand what factors to consider when choosing a pet insurance policy.

    For instance, most companies provide two types of plans: accident-only coverage or an accident and forgiveness plan. Each has its advantages and is suited for different situations.

    Accident-only coverage is often ideal for younger pets less likely to develop age-related illnesses. On the other hand, breeds with a higher risk profile tend to benefit more from a comprehensive plan.

    Another aspect to contemplate is the waiting period. Since the waiting period for accidents and illnesses varies among pet insurance companies, you should assess what aligns best with your pet’s health needs.

    Largest Pet Insurance Companies In The United States

    Company Name Estimated Market Share Percentage
    Trupanion 30%
    Nationwide Mutual Insurance Company 19%
    Embrace Pet Insurance 9%
    Fetch by the Dodo 8%
    Pets Best Insurance 2.4%
    Hartville Group Inc. 1.4%
    MetLife Pet Insurance 1.4%
    Petsecure 1.3%
    Healthy Paws Pet Insurance .73%
    Pumpkin Pet Insurance .48%

    How To Buy Pet Insurance Online In Indiana

    Obtaining insurance for your pet is a straightforward process, particularly when utilizing platforms like Insuranceopedia. However, there are several preparatory steps you can take to expedite the process.

    Here are four essential steps to follow when acquiring pet insurance:

    Step 1: Gather all pertinent information beforehand (e.g., pet type, breed, age, medical history, and any available documentation regarding your pet’s lineage).

    Step 2: Determine the desired coverage amount and deductible for your pet.

    Step 3: Compare quotes from at least three different pet insurance providers.

    Step 4: Finalize your policy purchase and inform your veterinarian about your new coverage.

    Factors That Impact Cost Of Your Pet Insurance Policy In Indiana

    Many pet parents often think that their pet’s monthly insurance premium depends on just a couple of factors. However, there are several aspects taken into account when determining the cost of pet insurance. These price factors include:

    • Type of Pet
    • Breed
    • Age
    • Type of Coverage
    • Location

    Type Of Pet

    When you’re ready to buy pet insurance, the kind of pet you own plays a big role in figuring out your monthly payments. On average, dog owners usually pay 2-3 times more for coverage compared to cat owners, mainly because dogs tend to spend more time outdoors and face a higher risk of accidents.

    Breed

    Like the type of animal, your pet’s breed also influences the cost of pet health insurance. While there’s not much difference for many dog breeds, some are still considered more high-risk. For instance, boxers and bulldogs have a history of sinus and skin issues, which can increase the monthly premium due to the higher likelihood of developing problems.

    Age

    Age is another major factor when you get quotes from pet insurance providers. While some insurers keep prices reasonable regardless of your pet’s age, others might reject your application if your pet is too old. If you have an older pet, it’s crucial to shop around for pricing options.

    Type Of Coverage

    When purchasing your pet insurance policy, you typically have two main options: accident-only or accident and illness coverage. Both plans offer protection for your pet, but the comprehensive policy tends to cost more. It’s important to consider whether the added coverage is worth the extra monthly expense.

    Location

    Regional pricing is another factor that many pet insurance companies take into account when you apply for coverage. Although there usually isn’t a significant difference in premiums between cities, certain state regions may be deemed higher risk due to a higher number of claims originating from that area.

    Indiana Pet Insurance Laws To Know

    While pet insurance isn’t mandatory for pet owners in Indiana, there are still various laws and regulations aimed at safeguarding animals and their caregivers. Recently, a House Bill was introduced and enacted into law to address the use of a dog’s breed in determining homeowners’ and renters’ insurance eligibility.

    Before this change, insurance companies had the authority to reject coverage, terminate policies, or increase monthly premiums based on a pet’s breed. However, thanks to the enactment of House Bill 2323, it is now unlawful for insurance providers to discriminate based on a dog’s breed or physical appearance.

    In The News

    • Starting from June 30, 2023, insurance companies are no longer permitted to make underwriting decisions solely based on a dog’s breed.
    • Governor Katie Hobbs has officially approved Senate Bill 1053, enabling veterinarians to establish a veterinary-client relationship through telemedicine.

    Information About Indiana

    Indiana boasts one of the largest cities in the United States and has a rich Native American heritage. The state is home to various reservations and cultural sites that offer insights into Native American traditions, providing an opportunity for residents to connect with this vital aspect of their history.

    Moreover, Indiana is renowned for its stunning natural scenery, with well-known tourist destinations such as the Indiana Dunes National Park, Brown County State Park, and the picturesque Amish country. Visitors to the state have a wealth of opportunities to immerse themselves in the beauty of nature and create lasting memories.

    Pet Insurance Discounts In Indiana

    Just like human health insurance, pet insurance in Indiana can vary in cost depending on your location. To help reduce the overall expense of your pet’s insurance coverage, you can look into discounts. Although not all pet insurance companies provide the same discounts, it’s worth investigating the following options:

    • Employer-sponsored discounts
    • Multi-pet discount
    • Employee union discounts
    • Wholesale and special interest clubs discounts
    • Multi-policy discount
    • Active and retired military discounts
    • Senior discounts
    • Online policy discounts
    • Animal care employee discounts
    • Special service animal discounts

    FAQs

    Do all vets take pet insurance in Indiana?

    Every veterinary clinic in Indiana welcomes pet health insurance because it operates by pet owners covering the medical costs upfront and then getting reimbursed by their pet insurance provider.

    Do I legally have to insure my pet in Indiana?

    While it’s a good idea to have pet insurance for your furry friends, it’s important to note that it’s not a legal obligation to insure your dog or cat in Indiana.

    How much is pet insurance in Indiana?

    Just like in many other states across the country, cat owners in Indiana enjoy lower insurance costs compared to their counterparts who own dogs. On average, cat insurance in Indiana comes with a monthly premium of $27.56, whereas dog owners typically pay around $48.81 per month for their pet’s coverage.

    Go back to top