Best Pet Insurance In Louisiana For 2024

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

min read
Updated: 23 February 2024
Written by
Doug Schaffer
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Our team of pet insurance experts conducted thorough research, including gathering quotes from 18 different pet insurance carriers, to assess the best coverage options for various scenarios. After careful analysis, we unanimously concluded that Lemonade Pet Insurance stands out as the top choice among pet insurance providers in Louisiana.

Lemonade received high praise for its competitively priced premiums and comprehensive coverage. However, it’s important to note that there are other notable pet insurance companies that received commendations in their respective categories, as outlined in this guide.

We have compiled valuable information about the leading pet insurers in Louisiana, along with insights into how different factors can impact insurance rates and other important aspects of pet insurance.

The Best Pet Insurance In Louisiana 2024

Best Pet Insurance, Louisiana, 2024

Comparison Of The Best Pet Insurance In Louisiana

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

Overall Coverage

2 Days for Accidents and 14 Days for Illnesses

$19

$34

Instant Quote
Pets Best
4.5

Owners of Multiple Pets

3 Days for Accidents and 14 Days for Illnesses

$27

$40

Instant Quote
Embrace
4.7

Cat Owners

48 Hours for Accidents and 14 Days for Illnesses

$22

$43

Instant Quote
Lemonade
4.7

Affordable Coverage

2 Days for Accidents and 14 Days for Illnesses

$19

$34

Instant Quote
ASPCA
4.6

New Pet Owners

Immediately for Preventive Care and 14 Days for Illnesses and Accidents

$38

$81

Instant Quote
Lemonade
4.7

Owners of Young Pets

2 Days for Accidents and 14 Days for Illnesses

$19

$34

Instant Quote
Scroll to see comparisons

Our Methodology

We took a lot into consideration when selecting what we believed to be the best pet insurance company in Kentucky. For instance, our team analyzed data from large pet insurance carriers operating in Louisiana. All of that along with 25 years of combined experience in the pet insurance industry helped us come to an informed decision. Insurance rates may fluctuate up or down from one day to another. So, although the rates we show here were accurate and up-to-date at the time we wrote them, they might be more or less now. Premiums may be dependent on the age or breed of a pet, among other things.

43

Quotes Analyzed

19

Brands Reviewed

25

Years In The Industry

32+

Research Hours

Reviews Of The Best Pet Insurance Companies In Louisiana


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

In determining the best pet insurance provider, various factors such as rates, claim processing efficiency, and customer service are carefully evaluated. Our assessment led us to conclude that Lemonade Pet Insurance, particularly its basic plan, offers affordable premiums starting as low as $10 per month for both dogs and cats.

With its competitive pricing, reputation for superior customer service, and other notable features, Lemonade emerges as the top choice among competitors.

Beyond its low premiums, Lemonade is consistently praised by pet owners in Louisiana for its exceptional customer service. Reviews frequently highlight the company’s genuine concern for pets, further solidifying its position as a standout provider in the pet insurance industry.

Benefits & Drawbacks

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

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

Many pet owners desire insurance coverage for their pets to safeguard against significant veterinary expenses and ensure their pets’ well-being. However, some refrain from exploring pet insurance options due to perceived high costs.

Contrary to this notion, Lemonade Pet Insurance demonstrates that pet protection can be affordable. In Louisiana, cat owners typically pay around $19 per month, while dog owners pay about $34 per month for coverage, with potential variations in rates based on factors such as pet age.

Lemonade Pet Insurance further enhances affordability with various discounts available to policyholders. For instance, bundling multiple types of coverage can qualify you for a discount of up to 15% off your premium. Additionally, Lemonade offers a user-friendly mobile app, enabling convenient management of your pet insurance coverage online.

Benefits & Drawbacks

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

Best 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

For new pet owners in Louisiana seeking comprehensive coverage and exceptional service, ASPCA Pet Insurance emerges as a top contender. Renowned for its commitment to animal welfare and customer satisfaction, ASPCA offers robust policies designed to meet various pet care needs.

While ASPCA’s rates in Louisiana may exceed the national average, the added benefits justify the investment. Dog insurance typically costs around $81.00 per month, while cat insurance averages approximately $36.00 per month. Notably, ASPCA imposes no age limit on pets, ensuring that senior animals receive the care they deserve regardless of age.

Furthermore, ASPCA extends coverage to address behavioral issues and alternative therapies, catering to diverse pet health requirements. These additional features enhance the value proposition for pet owners seeking comprehensive protection and support for their furry companions.

Benefits & Drawbacks

Benefits
  • Coverage extends to items like alternative therapies, behavioral issues, and congenital conditions
  • Cruciate injuries only have a 14 day waiting period
  • 24/7 telehealth vet help line
  • Vet clinic visit fees for illnesses and accidents are covered under standard policies
Drawbacks
  • Minimum options for deductibles
  • Unlimited annual coverage is only available through an agent

Best 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

For those considering adopting a young pet to grow alongside their family, it’s essential to prepare for the responsibilities that come with it. From training to routine care, providing a nurturing environment involves careful planning. One crucial aspect of this preparation is securing pet insurance coverage from the outset.

Lemonade Pet Insurance stands out as an ideal choice, offering a harmonious blend of affordability and user-friendly features. With monthly premiums averaging around $19 for cats and $34 for dogs, Lemonade provides peace of mind without breaking the bank. Moreover, Lemonade’s intuitive mobile app and top-notch customer service enhance the overall experience for pet owners.

For owners of young pets seeking reliable coverage and exceptional service, Lemonade Pet Insurance is a trusted industry leader worth exploring.

Benefits & Drawbacks

Benefits
  • Fast turnaround times for processing claims
  • Numerous discounts available
  • Policyholders only have a 2 day waiting period for pet injuries
  • The company donates a portion of the policyholder’s premium to nonprofits
Drawbacks
  • Specific pet breeds don’t qualify for coverage after a certain age
  • Pet owner credit and claim history are factored into insurance rates
  • Coverage doesn’t extend to all 50 states

Best 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

For cat owners in Louisiana considering pet insurance, Embrace Pet Insurance emerges as a standout choice. Renowned for its affordable cat insurance policies, Embrace offers an average monthly rate of approximately $22, making it an accessible option for pet owners.

Beyond its competitive pricing, Embrace Pet Insurance demonstrates a commendable commitment to supporting animal welfare initiatives. With a donation of $2 from every policy sold, Embrace contributes to vital causes such as animal shelters, spaying and neutering programs, and assistance for pets affected by natural disasters.

Moreover, Embrace’s partnerships with leading home and auto insurers like GEICO, USAA, and Allstate further bolster its credibility and accessibility to pet owners seeking reliable coverage.

For cat owners seeking comprehensive yet affordable pet insurance coverage in Louisiana, Embrace Pet Insurance stands as a compassionate and dependable choice.

Benefits & Drawbacks

Benefits
  • Cost friendly policy options
  • 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
Drawbacks
  • Supplement coverage isn’t a part of standard policies
  • Senior pets over the age of 14 only qualify for accident only policies

Best For Owners of Multiple Pets

Overall Rating
4.5

Key Statistics

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

Why We Like Them

For pet owners with multiple furry companions, Pets Best Pet Insurance offers an attractive solution with its multi-pet discount, potentially reducing premiums by up to 15%. This discount provides welcomed savings amid the multiplied expenses of caring for multiple pets, including food, toys, and veterinary bills.

In addition to its cost-saving benefits, Pets Best Insurance boasts competitive monthly rates for both cats and dogs. Cat insurance averages around $27 per month, while dog insurance typically costs approximately $40 monthly, contingent upon factors such as breed and other variables.

Beyond affordability, Pets Best stands out for its comprehensive coverage and customer-centric offerings. Policyholders gain access to a 24/7 veterinary helpline for emergencies, as well as additional coverage for pets requiring specialized prosthetic devices or support for disabilities.

With its blend of affordability, comprehensive coverage, and customer-focused benefits, Pets Best Pet Insurance emerges as a top choice for pet owners managing the expenses of multiple pets.

Benefits & Drawbacks

Benefits
  • Benefits extend to pets who need wheelchairs or special prosthetic devices
  • Vet help is available through the 24/7 veterinarian help line
  • Flexible coverage options for accident and illness policies
  • Accident coverage comes with a 3 day waiting period
Drawbacks
  • Policy changes are only possible during the time of renewal
  • Claims processing tends to be slower than other companies

Average Cost Of Pet Insurance In Louisiana

Average Cost In Louisiana — By Cat Breed

Cat Breed Average Monthly Cost
Sphynx $15.00
Domestic Shorthair $15.00
Maine Coon $25.00
Siamese $20.00

Average Cost In Louisiana — By Dog Breed

Dog Breed Average Monthly Cost
Greyhound $61.00
Labradoodle $35.00
Newfoundland $83.00
Affenpinscher $17.00

Average Cost In Louisiana — Comprehensive Coverage

Insurance Provider Average Monthly Cost for Comprehensive Coverage
Pets Best $38
FIGO $53
Trusted Pals $49
Lemonade $46
ASPCA $58

Average Cost In Louisiana — Accidental-Only Coverage

Insurance Provider Average Monthly Cost for Accident-Only Coverage
Lemonade $28.00
TrustedPals $34.00
Figo $40.00
Pets Best $33.00
ASPCA $51.00

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

  • Step 1: Gather the information you will need before beginning. This includes the type of pet you have, its age, medical history, breed, and any documents you might have about lineage
  • Step 2: Figure approximately how much coverage is enough depending on your pet and your wallet. Also, decide how much of a deductible is best for you
  • Step 3: Compare 3 rate quotes from the carriers you like most
  • Step 4: Eliminate two of those three finalists and submit an application for the one that remains, purchase the policy, and then contact your vet with the news about your newly acquired pet insurance

How To Buy Pet Insurance Online In Louisiana

When navigating the process of purchasing pet insurance, it's crucial to follow these four essential steps:

Before diving into your search for pet insurance carriers, compile all pertinent details about your pet. This includes their type (e.g., cat, dog), breed, age, medical history, and any documentation related to their lineage. Having this information readily available will streamline the research process.

1

Assess your pet’s healthcare requirements and establish the level of coverage that aligns with their needs. Additionally, determine the deductible amount that you’re comfortable with. Understanding these factors beforehand will help you narrow down suitable insurance options.

2

Obtain quotes from at least three different pet insurance companies to compare rates and coverage options. By evaluating multiple quotes, you can identify the most cost-effective and comprehensive insurance plan that meets your pet’s needs and your budget.

3

After reviewing and comparing quotes, refine your selection to the top contenders. Weed out options that don’t meet your criteria and submit an application for the remaining pet insurance provider. Once approved, purchase the policy and inform your veterinarian about your pet’s new insurance coverage.

4

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 Find The Best Pet Insurance Company For You

Buying pet insurance shares similarities with purchasing health insurance for yourself. Both processes involve steps such as obtaining rate quotes, comparing deductible amounts, benefits, coverage options, checking customer reviews, and more. When shopping for pet insurance, most people start by comparing rates from different companies.

However, taking the time to understand the fundamentals of pet insurance can be beneficial.

Most major pet insurance providers offer policies that primarily cover accidents, excluding illnesses or health conditions. Additionally, many carriers offer accident and forgiveness plans, providing options that may suit your needs and your pet’s requirements.

Young pets are less likely to develop age-related health issues compared to senior pets, who have a higher incidence of illnesses. For young pets, an accident-only plan might suffice, while comprehensive coverage that includes accidents and sickness could be more suitable for senior pets or those at high risk for certain conditions.

The waiting period, which is the duration before insurance coverage takes effect for an incident, is a crucial factor. It’s essential to understand the waiting period of each pet insurance carrier before enrolling in coverage, as waiting periods can vary among providers.

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

Some pet owners assume that pet insurance rates are determined by only a few factors, but in reality, several elements influence the cost of pet insurance. Here are some key factors to consider:

Insurance Type

The type of coverage you choose significantly impacts your premiums. Pet insurance typically offers two options: accident and sickness coverage, or accident-only coverage. While both provide protection, comprehensive plans covering accidents and sickness will have higher premiums compared to accident-only plans.

Animal Type

The type of pet you own can also affect insurance rates. Generally, dog owners pay higher premiums compared to cat owners, reflecting factors such as outdoor activity levels and susceptibility to accidents or illnesses.

Breed

The breed of your pet plays a crucial role in determining insurance premiums. While there may not be significant differences in rates among many dog breeds, high-risk breeds, such as bulldogs and boxers, often incur higher premiums due to their predisposition to specific health issues.

Age

The age of your pet is another important factor in setting insurance premiums. Some insurers maintain consistent rates regardless of the pet’s age, while others may have age restrictions or charge higher premiums for older pets. It’s essential to choose an insurer that offers coverage without age limitations for senior pets if you have an older animal.

Location

Although pet insurance premiums generally do not vary significantly from one city to another, certain areas within a state may be considered high-risk due to a higher frequency of claims. Residents in these areas may face higher insurance costs.

Considering these factors can help you make an informed decision when selecting a pet insurance policy that suits both your pet’s needs and your budget.

Pet Insurance Discounts In Louisiana

The cost of health or accident insurance for humans can vary depending on where you live, and the same principle applies to pet insurance. If you reside in an area deemed higher risk by pet insurers, you can still reduce your pet insurance premiums by taking advantage of policy discounts.

Pet insurance companies typically offer various discounts, so it’s worthwhile to explore your options and compare available discounts. Here are some types of discounts that could help you secure lower premiums:

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

Louisiana Pet Insurance Laws To Know

In Louisiana, it’s mandatory for every dog over 3 months old to receive a rabies vaccination, which must be administered or supervised by a licensed veterinarian. Additionally, like in all 49 other states, dog fighting is considered a felony in Louisiana, and participation in betting on dog fights is also a felony offense.

Louisiana boasts a rich cultural heritage, including a significant Native American presence. Tribes such as the Houma, Choctaw, and Caddo have inhabited the region for over ten thousand years. Visitors to Louisiana have the opportunity to explore Native American cultural sites and gain insights into their way of life.

The state offers numerous tourist attractions, ranging from the historic French Quarter in New Orleans to the picturesque white sand beaches along the coast. Visitors can also explore the unique landscapes of bayous and swamplands, among many other captivating destinations throughout the state.

FAQs

Do all vets take pet insurance in Louisiana?

Yes, that’s correct. In many cases, pet owners pay the veterinarian directly for services rendered, and then they can submit a claim to their pet insurance company for reimbursement. However, some veterinarians may offer the convenience of directly filing the insurance claim on behalf of the pet owner, eliminating the need for the owner to pay upfront and wait for reimbursement. It’s always a good idea to inquire with your veterinarian about their specific policies regarding pet insurance billing and reimbursement.

How much is pet insurance in Louisiana?

In Louisiana, pet insurance rates for cats are generally consistent with national averages and tend to be lower than those for dogs. On average, cat insurance premiums in Louisiana amount to approximately $27 per month, while dog insurance typically carries an average premium of $48 per month.

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

No, you aren’t required by law to have pet insurance.

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