Best Pet Insurance In Indiana For 2024

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.

Average Cost Of Pet Insurance In Indiana

Average Cost of Pet Insurance In Indiana — By Cat Breed

Average Cost of Pet Insurance In Indiana — By Dog Breed

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

Average Cost In Indiana — Comprehensive Coverage

Largest Pet Insurance Companies In The United States

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