Best And Cheapest Pet Insurance In Indiana For March, 2024

Lemonade Pet Insurance is my top choice for Indiana’s best pet insurance company.

min read
Updated: 04 January 2024
Written by
Doug Schaffer
On this page Open

Our expert team of pet insurance professionals collected quotes from 18 pet insurance companies to ascertain which carrier’s coverage was the best overall for various situations. Our findings were that of the pet insurance carriers in Indiana, Lemonade Pet Insurance ranked first place. We gave Lemonade top marks for affordable premiums, as well as the best coverage overall. That said, there are other insurers that we ranked highly in their respective categories.

We put together some valuable information on the top ranked pet insurance companies in Indiana, along with how various factors could affect premiums, in the sections below.

Best Pet Insurance Companies In Indiana, 2024

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 2024

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

Our decision as to which pet insurance carrier offers the most affordable coverage in Indiana was based on multiple factors. We checked information and data from various leading pet insurance companies active in Indiana. We also relied to some extent on our combined twenty-five years of experience in the pet insurance industry to decide who was best all around. Insurance premiums can go up or down from one day to the next, so although the rates shown here were accurate when this guide was written, they might be different now. Premiums can be based on the pet's age or breed, among other things.

35

Quotes Analyzed

25+

Years Of Industry Experience

20

Brands Reviewed

32+

Research Hours

Reviews Of The Best Pet Insurance Providers In Indiana


Best Overall Coverage

Overall Rating
4.7

Key Statistics

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

Why We Like Them

There are many things to take into consideration when proclaiming one pet insurance carrier as the best. Elements such as the speed of claim processing, customer service, and cost are all weighed and analyzed. After these things and several more were researched, Lemonade Pet Insurance unanimously received our top ranking for pet insurers in Indiana. It’s budget friendly protection, offering rates as low as $18.41 monthly for cats and $35.18 monthly for dogs. All in all, Lemonade comes out in front of any competitors in Indiana.

Besides its low premiums, pet owners in Indiana give Lemonade great reviews in customer service. Reviewers often mention how Lemonade genuinely cares about pets and that their caring shows through in their service.

Benefits & Drawbacks

Benefits
  • Numerous discounts available
  • 2 day waiting period for accidents
  • A percentage of monthly premiums goes toward nonprofits
  • Industry leading claims processing department
Drawbacks
  • Policies aren’t available in every state
  • Pet owner credit and claim history are factored into insurance rates
  • Some breeds of pet are subject to age restrictions in order to enroll

Best Affordable Coverage

Overall Rating
4.7

Key Statistics

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

Why We Like Them

Most pet owners would probably like to have pet insurance. It not only protects them monetarily, but it also protects a pet’s health and wellbeing. Some pet owners may hesitate to look into pet insurance, thinking that pet insurance is expensive. However, as you can see by Lemonade Pet Insurance rates, this coverage doesn’t have to cost a lot. Cat owners in Indiana pay only about only $18 monthly, while dog owners pay an average of $35 monthly.

Lemonade Pet Insurance offers several discounts that can help policyholders save money on premiums. One such discount allows customers to bundle their coverage and insure multiple pets at a discounted rate. Bundling can lower premiums by up to 15%, which is a good discount. Lemonade also provides an advanced mobile app that makes it fast and easy for pet owners to manage the insurance they have on their pet/s.

Benefits & Drawbacks

Benefits
  • The company donates a portion of the policyholder’s premium to nonprofits
  • Numerous discounts available
  • 2-day accident waiting period
  • Claims processing is faster than other major competitors
Drawbacks
  • Some pet breeds are not covered after a certain age
  • Pet owner credit and claim history are factored into insurance rates
  • Coverage is limited based on the state you live in

Cheapest Rates For Cat Owners

Overall Rating
4.7

Key Statistics

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

Why We Like Them

Indiana cat owners considering pet insurance for a furry feline would do well to check out Embrace Pet Insurance. This insurer offers low rates for cat insurance, with the average premium being about $20 monthly.

Numerous pet insurance carriers support various animal charities. Embrace Pet Insurance  donates $2 of every policy they sell to animal charities, local shelters, and free or cheap spaying and neutering.

Of note is that Embrace is a pet insurance partner with large home and vehicle insurance providers like GEICO, USAA, and Allstate.

Benefits & Drawbacks

Benefits
  • Most standard policies include coverage for curable pre-existing conditions
  • Owners with animals needing orthopedic care can skip a waiting period with a vet exam
  • Cost friendly policy options
Drawbacks
  • Senior pets over the age of 14 only qualify for accident only policies
  • Supplement coverage isn’t a part of standard policies

Cheapest Rates For Owners Of Multiple Pets

Overall Rating
4.5

Key Statistics

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

Why We Like Them

If you have more than one pet, chances are you know that multiple pets means multiple expenses. Food, veterinary expenses, toys…all of these costs are multiplied by how many pets you have. There’s a silver lining in that multiple pet cloud though, because many pet insurers offer discounts when you get coverage for more than one pet. Pets Best, for example, offers their policyholders multiple discounts for coverage of multiple pets.

Besides a cost saving discount for multi-pets, Pets Best Insurance also has low monthly rates. The monthly rates for cat insurance average around $29.54 monthly. Monthly premiums for dog insurance average $41.79, based on the dog’s breed among other things.

Pets Best has lots of benefits for its policyholders. These benefits include perks like access to a 24/7 veterinary helpline in case of emergency, plus extended coverage for pets who have disabilities or need special prosthetic devices.

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 plans
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
8/10 Payouts
9/10 Coverage Level

Why We Like Them

A lot of people prefer adopting a young pet so it grows up with the family, often alongside the children. Puppies and kittens are cute, but the responsibilities that come with these young pets can be more than a little problematic. Besides having a good training program in place, owners of younger pets should consider having a carrier that makes it extra easy to insure them.

Lemonade Pet Insurance is a seamless blend of low premiums and advanced features. Policyholders get the benefit of an easy to use mobile app plus highly ranked customer service. Lemonade’s average premiums of just $18 per month for cats and $35 per month for dogs makes for a wise investment.

Owners of younger pets would do well to look at Lemonade Pet Insurance.

Benefits & Drawbacks

Benefits
  • Pet injuries have a 2-day waiting period for policyholders
  • Claims are processed swiftly with short turnaround times
  • A wide array of discounts is at your disposal
  • The pet insurance 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

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

Why We Like Them

If being a pet owner is new to you, finding a pet insurance company like ASPCA, with an industry wide reputation for excellent customer service and as animal health advocates, should be a top priority.

ASPCA’s premiums in Indiana are higher than the US average. Dog insurance will run about $83 per month and cat insurance around $38 per month. One of the best policy features is no age limit on pets, which lets you  get coverage for your senior pet no matter its age.

ASPCA offers extra coverage, also, in areas such as behavioral issues and alternative therapy. Either or both of these might prove useful to some pets.

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 of Pet Insurance In Indiana — By Cat Breed

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

Average Cost of Pet Insurance In Indiana — By Dog Breed

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

Average Cost of Pet Insurance In Indiana — Accidental-Only Coverage

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

Average Cost In Indiana — Comprehensive Coverage

Insurance Provider Average Monthly Cost for Comprehensive Coverage
Pets Best $39
Lemonade $48
Trusted Pals $52
FIGO $54
ASPCA $57

Largest Pet Insurance Companies In The United States

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

How To Buy Pet Insurance Online In Indiana

If researching and purchasing pet insurance from your home or office sounds better to you than going out somewhere to purchase it, you’re in luck. Nowadays you can go online and accomplish this task quickly and easily. Internet platforms like Insuranceopedia have all of the information and data you could possibly need to know about pet insurance providers. You can take care of some things ahead of time, too, which will streamline the process. When you’re ready to submit an application for coverage, you can do that online, too.

Below are four important steps you’ll want to take during the pet insurance buying process:

  • Step 1: Assemble all of the information you’ll need before starting your research into pet insurance companies in Indiana. Factors such as type of pet, (i.e. cat or dog) the pet’s breed, its age, its medical history, and whatever documentation you might have about the pet’s lineage, if any
  • Step 2: Calculate approximately how much coverage is best for you and your pet, and do the same for the amount of the deductible
  • Step 3: Get comparison quotes from at least three pet insurance carriers
  • Step 4: Eliminate two of the three insurers, leaving your first choice. Next, submit your application, purchase a policy, and then contact your veterinarian to let him/her know about the new pet insurance coverage

Things That Have An Impact On The Cost Of A Pet Insurance Policy In Indiana

Numerous pet owners think that pet insurance rates are based on just one or two criteria. In actuality, though, there are several factors that play a part in rates for pet insurance. Here are some of those things that are considered:

  • Insurance Type
  • Location
  • Age
  • Breed
  • Animal Type

Breed

The breed of your pet is a crucial factor in the price of insurance coverage. There isn’t an appreciable difference for a lot of dog breeds. But as some particular breeds are considered high risk, their coverage will be more expensive.

Bulldogs and boxers are an example of this with their history of sinus issues and skin problems. These breeds have a higher possibility of developing health problems and will usually cost more to insure.

Animal Type

While you’re scoping out pet insurance companies, you should know that the type of pet you have will play a part in the cost of the premiums. Dog owners usually pay at least 2-3 times higher premiums than cat owners. This is largely due to dogs spending more time outdoors than cats do, where they have a higher risk of accidents or sickness.

Age

Yet another factor that comes into play with rate quotes from pet insurers is your pet’s age. Some pet insurance companies manage to keep their premiums affordable, no matter the age of the pet. On the flip side, there are other pet insurers who won’t approve your application if your pet falls outside their age limits for coverage. If you are the owner of a senior animal, shop around for an insurance carrier that provides coverage for older pets.

Insurance Type

In most cases, you will have two options when the time comes to purchase pet insurance: Accident alone, or both accident as well as sickness coverage. Either of these plans will provide protection for your pet as well as protecting your cash outlay if your pet needs medical treatment. A comprehensive policy that will cover both accidents and sickness will be more expensive than accident-only. If you can’t decide which one to purchase, ask yourself if the cost of the additional coverage for illness will justify the extra premium.

There isn’t usually a significant difference in the price of pet insurance from city to city. But some regions within a state could be classified as high risk because there is a higher number of claims in that area. If you happen to live in one of those areas, your pet insurance will cost more.

Pet Insurance Discounts In Indiana

Pet insurance coverage, just like any sort of insurance coverage, is liable to be higher priced depending on where you are located. One way to cut the cost of premiums is to take advantage of the discounts that a pet insurance carrier might make available. Different pet insurance companies offer different discounts, making it worthwhile to do some shopping around before making a purchase decision. Below are discounts that may save you money on premiums:

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

Indiana Pet Insurance Laws To Know

  • It is illegal in Indiana to own a dog, cat or ferret that hasn’t been vaccinated for Rabies
  • It is also illegal in Indiana to purchase or own a dog used for fighting

FAQs

Do all vets take pet insurance in Indiana?

Just the same as in other states, it’s unlikely you’ll have a vet who won’t accept your pet insurance. Because you pay the veterinarian and then the insurer reimburses you, there’s zero risk of non-payment for the vet.

How Much is Pet insurance in Indiana?

Indiana cat insurance rates in Indiana are much the same as the rest of the US: Not as high as dog insurance rates. Insurance coverage for dogs is almost always higher than for cats. Cat insurance in Indiana has an average premium of $27 monthly, while coverage for dogs is about $48 monthly.

Legally, Am I Required to Insure My Pet in Indiana?

No, you aren’t. But it’s a good idea to have it.

Go back to top