Best Pet Insurance In Indiana For 2025
Lemonade Pet Insurance claims the top spot as Indiana’s best pet insurance provider.
We’ve saved shoppers an average of $350 per year on their pet insurance.
After looking into several pet insurance providers, I determined that Lemonade Pet Insurance offers the most comprehensive coverage in Indiana for various needs.
In the following sections, we’ll go over some top Indiana pet insurance choices and explore how factors can influence your overall insurance cost.
Best Pet Insurance Companies In Indiana, 2025
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 |
|
Overall Coverage |
2 days for accidents and 14 days for illnesses |
$18.41 |
$35.18 |
Instant Quote |
| Lemonade Pet Insurance |
|
Affordable Coverage |
2 days for accidents and 14 days for illnesses |
$18.41 |
$35.18 |
Instant Quote |
| ASPCA |
|
New Pet Owners |
Immediately for preventive care and 14 days for accidents and illnesses |
$38.67 |
$83.30 |
Instant Quote |
| Embrace |
|
Cat Owners |
48 hours for accidents and 14 days for illnesses |
$20.44 |
$48.25 |
Instant Quote |
| Lemonade Pet Insurance |
|
Owners Of Young Pets |
2 days for accidents and 14 days for illnesses |
$18.41 |
$35.18 |
Instant Quote |
| Pets Best |
|
Owners Of Multiple Pets |
3 days for accidents and 14 days for illnesses |
$29.54 |
$41.39 |
Instant Quote |
Our Methodology
In our search for affordable pet insurance options in Indiana, we examined data from various providers. Our team of insurance professionals, who have over 20 years of experience in the field, also contributed their insights. Please note that while the rates provided in this guide are current, premiums can change daily depending on factors such as your pet's age and breed.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
Reviews Of The Best Pet Insurance Providers In Indiana
Best Overall Coverage
Key Statistics
Why We Like Them
⇅A pet insurance company is ranked based on its pricing, customer service, and claims processing time. Lemonade Pet Insurance leads the way in Indiana with affordable rates of $18.41 for cats and $35.18 for dogs. Alongside its competitive pricing, Lemonade received high marks for its attentive customer service and love for pets.
Benefits & Drawbacks
⇅- Two-day wait period after an accident event
- Excellent claims handling team
- A wide selection of discounts is up for grabs.
- Part of the monthly charges goes toward nonprofit initiatives. ✓
- Enrollment for specific pet breeds is restricted based on age.
- Rules aren't available in every state.
- Your pet insurance rate is affected by your credit and your past claims. ✘
Best Affordable Coverage
Key Statistics
Why We Like Them
⇅The belief that pet insurance is expensive is common among pet owners. Lemonade Pet Insurance, however, proves that it’s affordable, offering average rates of $18.41 for cats and $35.18 for dogs. With bundling discounts of up to 15% and a simple mobile app for policy management, Lemonade is an affordable and convenient choice.
Benefits & Drawbacks
⇅- A two-day wait period after accidents.
- Claims processed quickly compared to other major players.
- You can benefit from a variety of discounts.
- Funds from your premium go to charitable organizations. ✓
- Some pet breeds may lose their insurance coverage once they reach a certain age.
- Your state of residency determines coverage limitations.
- Insurance costs for pet owners are determined by their credit standing and claims experience. ✘
Cheapest Rates For Cat Owners
Key Statistics
Why We Like Them
⇅If you’re a Indiana cat owner in search of great insurance, Embrace Pet Insurance offers cost-effective plans, averaging $20.44 a month. For every policy sold, they donate $2 to charity. Embrace also partners with leading insurers like USAA, Allstate, and GEICO.
Benefits & Drawbacks
⇅- You have cost-effective policy options available.
- Several typical policies cover treatable pre-existing health conditions.
- Pet owners can avoid delays in orthopedic care by scheduling a vet check-up. ✓
- Accident policies are exclusively for pets aged 14 years and older.
- Typical policies do not include supplemental benefits. ✘
Cheapest Rates For Owners Of Multiple Pets
Key Statistics
Why We Like Them
⇅Although having multiple pets can increase your expenses, it can save you money on pet insurance. Pets Best offers discounts for multi-pet policies, with cat insurance averaging $29.54 per month and dog insurance $41.39. They also offer a 24/7 vet helpline and coverage for pets with disabilities or prosthetic needs.
Benefits & Drawbacks
⇅- We cover pets that rely on wheelchairs or prosthetic devices.
- The 24/7 vet healthline provides continuous access to veterinary assistance.
- After three days, accident coverage goes into effect.
- Accident and illness policies offer flexible coverage selections. ✓
- Compared to other firms, claims processing is slower here.
- Only during the renewal period can policies be modified. ✘
Cheapest Rates For Owners Of Young Pets
Key Statistics
Why We Like Them
⇅Many families choose to adopt young pets, which can be an exciting addition to their household. However, caring for a new kitten or puppy can feel overwhelming. Along with training, it’s important to select a pet insurance provider that makes managing coverage simple. Lemonade Pet Insurance offers affordable rates and a user-friendly app, with great customer support. With premiums averaging $18.14 for cats and $35.18 for dogs, Lemonade is the top choice for young pet owners.
Benefits & Drawbacks
⇅- Policyholders can access pet injury coverage after just 2 days.
- Claims are processed with remarkable swiftness.
- Policyholders can benefit from a variety of discounts.
- Nonprofit organizations receive a portion of the premium paid by policyholders. ✓
- Insurance stops applying to certain pet breeds once they reach a certain age.
- This policy does not cover every state throughout the U.S.
- Pet insurance pricing is affected by the pet owner's credit score and their past claims. ✘
Cheapest Rates For New Pet Owners
Key Statistics
Why We Like Them
⇅When choosing pet insurance, new pet owners should look for a provider like ASPCA with a solid reputation for supporting animal health. ASPCA’s premiums are higher—$38.67 for cats and $83.30 for dogs—but the benefits are worth it. There are no age restrictions for senior pets, and they provide additional coverage for behavioral issues and alternative therapies, helpful for specific breeds.
Benefits & Drawbacks
⇅- Covered by the policy are alternative therapies, behavioral problems, and congenital conditions.
- Expect to wait 14 days for cruciate injuries.
- Our telehealth vet line operates 24/7 for your convenience.
- Typical policies cover vet clinic visits for illness and accident expenses. ✓
- An agent is essential for obtaining unlimited annual coverage.
- Options for deductions are sparse. ✘
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
The process of obtaining pet insurance is made easier by using platforms like Insuranceopedia.
Collect all necessary details in advance, including your pet’s type, breed, age, medical history, and any relevant lineage documentation.
Find the optimal coverage amount and deductible for your pet’s individual requirements.
Obtain and review quotes from at least three pet insurance providers to determine the best fit.
Complete your policy purchase and notify your vet about the new insurance coverage.
How To Find The Best Pet Insurance Company For You
Purchasing a pet insurance plan is similar to getting health or life insurance. Comparing rates and coverage is essential, but you need to understand the fundamental aspects of a pet insurance policy first. Most companies offer either accident-only coverage or more comprehensive plans that include both accidents and illnesses. Accident-only coverage suits younger pets with fewer health issues, while comprehensive plans are more appropriate for breeds with higher health risks. Additionally, consider the waiting period, as each provider sets its own terms for covering accidents and illnesses.
Things That Have An Impact On The Cost Of A Pet Insurance Policy In Indiana
Pet owners often assume that their pet’s insurance cost is influenced by just a few factors. However, multiple elements impact the price, such as:
- Type of Pet
- Breed
- Age
- Type of Insurance
- Location
Type of Pet: The type of pet you have greatly affects your insurance costs. Dog owners typically pay 2-3 times more than cat owners due to the higher risks associated with dogs being outdoors.
Breed: The breed of your pet can also influence insurance premiums. Certain breeds, like boxers and bulldogs, may have higher rates due to their higher risk of specific health problems, although most breeds don’t significantly affect costs.
Age: Age is a significant factor in determining insurance quotes. Some insurers offer competitive rates for pets of all ages, while others might not cover older pets. Comparing different options is crucial if your pet is a senior.
Insurance Type: You usually have two main insurance options: accident-only or accident and illness coverage. Comprehensive coverage costs more but offers broader protection. Consider if the extra expense is worth the added coverage.
Location: Your location can also affect insurance premiums. While city-to-city differences are usually small, some states or regions may have higher premiums due to a greater number of claims.
Pet Insurance Discounts In Indiana
Just like with regular health insurance, pet insurance costs in Indiana can vary depending on where you live. To reduce your insurance costs, check out available discounts. Although discounts vary by provider, consider these options:
- Discounts from employers
- Multi-pet discounts
- Union-based discounts
- Discounts through wholesale or special interest organizations
- Discounts for multiple policies
- Discounts for active or retired military
- Discounts for seniors
- Discounts for buying online
- Discounts for those in animal care
- Discounts for service animals
FAQs
Do all vets take pet insurance in Indiana?
In Indiana, veterinary clinics accept pet insurance, but the owner is expected to cover medical costs initially and then receive reimbursement from the insurance company.
How Much is Pet insurance in Indiana?
In Indiana, as seen across the country, cat insurance premiums are generally lower than those for dogs. On average, cat insurance costs $27.56 per month, while dog insurance averages $48.81.
Legally, Am I Required to Insure My Pet in Indiana?
While pet insurance is advisable, it’s important to understand that Indiana does not have a legal mandate for insuring dogs or cats.
