Best Pet Insurance Companies In Nebraska For 2024

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

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Updated: 12 March 2024
Written by
Doug Schaffer
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Our expert team of pet insurance pros have compiled research and data about pet insurance to help you understand the basics. We did comparison quotes between 18 pet insurance companies to see which coverage was best for various scenarios.

When we finished our research, we all agreed that amongst pet insurers in Nebraska, Lemonade Pet Insurance is the best. We ranked Lemonade highly because of their affordable premiums.  excellent coverage and praiseworthy customer service. There are other pet insurers, as well, that we ranked highly in their categories.

This information may be helpful if you’re thinking about purchasing pet insurance. In addition, we learned how different factors might affect rates, and passed this on to you.

Best Pet Insurance Companies In Nebraska 2024

Best Pet Insurance, Nebraska 2024

Comparing The Best Pet Insurance Companies In Nebraska

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

$18.41

$35.18

Instant Quote
ASPCA
4.6

New Pet Owners

Immediately for Preventive Care and 14 Days for Illnesses and Accidents

$38.67

$83.30

Instant Quote
Lemonade
4.7

Affordable Coverage

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
Lemonade
4.7

Owners of Young Pets

2 Days for Accidents and 14 Days for Illnesses

$18.41

$35.18

Instant Quote
Embrace
4.7

Cat Owners

48 Hours for Accidents and 14 Days for Illnesses

$20.44

$48.25

Instant Quote
Scroll to see comparisons

Our Methodology

When deciding which pet insurance company In Nebraska we believe to be the best, we looked at many elements of pet insurance. In addition, we analyzed data from the largest pet insurers operating within the state. That information, along with our combined twenty-five years of experience in the industry, was immensely helpful when it was time to select the top contender. Insurance rates are subject to go from higher to lower on any given day. The rates as shown here were accurate when written, but they might be more or less now. Rates can also be based on the age or breed of a pet, among other factors. Your breed of pet might not have the same rates as the averages quoted here.

35

Quotes Analyzed

17

Brands Reviewed

25

Years of Industry

32+

Research Hours

Pet Insurance Company Reviews In Nebraska


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 components to consider before reaching a conclusion about the best pet insurance. Things like the speed of processing claims, rates, customer service, and more all all must be weighed and considered. Lemonade Pet Insurance standard plan offers affordable premiums as low as $10 per month for dogs and cats. With its coverage, budget friendly premiums, a reputation for top notch customer service, and other things, Lemonade Pet Insurance came out in front of its competitors in Nebraska.

Besides attractively priced rates, pet owners in Nebraska frequently mention the first class customer service when leaving reviews. Reviewers often comment on how sincerely Lemonade cares about pets.

Lemonade Pet Insurance has discounts available that can lower the cost of coverage. For example, if you bundle two or more types of coverage, you may shave as much as 15% off your premiums. Lemonade offers customers a mobile app that makes it easy to get online and manage your pet insurance policy.

Benefits & Drawbacks

Benefits
  • Accidents covered after a brief 2-day waiting period
  • Claims are processed efficiently with an industry-leading department
  • Access to a wide range of discounts
  • A portion of your monthly premium supports nonprofits
Drawbacks
  • Enrollment restrictions based on age for certain pet breeds
  • Limited availability of policies across states
  • Insurance rates influenced by pet owner credit and claim history

Cheapest Rates for Cat Owners

Overall Rating
4.7

Key Statistics

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

Why We Like Them

Cat owners in Nebraska who are thinking about purchasing pet insurance should check out Embrace Pet Insurance. This company has built a solid reputation for affordable, multi-featured pet insurance policies for cats. The monthly rate for cat insurance in Nebraska averages around $20.

Many pet insurance carriers support charities and causes for animal welfare. Embrace Pet Insurance goes above and beyond with a $2 donation from every policy sold to aid in free or cheap spaying/neutering, animal shelters, and other animal causes like pets that have been displaced due to a natural disaster.

Embrace Pet Insurance is a partner with leading property and auto insurance carriers like  GEICO, Allstate, and USAA.

Benefits & Drawbacks

Benefits
  • Policies with affordable costs
  • Inclusion of coverage for curable pre-existing conditions in most standard policies
  • Exemption from the waiting period for owners with pets needing orthopedic care after a vet exam
Drawbacks
  • Accident-only policies are the only option for senior pets over the age of 14
  • Supplemental coverage is not part of standard policies

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

If you want to get a pet that’s young enough to grow up alongside your family, bear in mind  that younger pets come with a lot of maintenance and responsibilities. One thing that might prove helpful is to get pet insurance on your young pet right from the start. Baby animals are liable to let their curiosity get them into dangerous situations, so pet insurance on these little daredevils might be prudent.

Lemonade Pet Insurance is a mixture of low rates and attractive features. Policyholders get the convenience of a mobile application blended with above average customer service. Lemonade’s premiums for cats are about $18 monthly for cats and $35 monthly for dogs, making the cost of pet insurance affordable.

Owners of younger pets should be sure to check out Lemonade Pet Insurance.

Benefits & Drawbacks

Benefits
  • Policyholders enjoy a short 2-day waiting period for pet injuries
  • Rapid processing of claims, ensuring swift reimbursements
  • A variety of discounts accessible to policyholders
  • A portion of the policyholder’s premium is directed towards nonprofits
Drawbacks
  • Specific pet breeds face age-related coverage restrictions
  • Coverage isn't available in all 50 states
  • Pet owner credit and claim history influence insurance rates

Cheapest Rates for New Pet Owners

Overall Rating
4.6

Key Statistics

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

Why We Like Them

ASPCA Pet Insurance should probably be included in your list of finalists when looking around for a pet insurance coverage. This company has built a strong reputation for superlative customer service, and has received a great deal of recognition as an animal advocate.

ASPCA premiums in Nebraska are a bit more than the national average. A monthly premium for dogs, for instance, is around $83.00. Cat insurance will run approximately $38.00 per month. One feature of ASPCA pet insurance is that they impose no age limit for coverage. This means that you can insure your older pet regardless of how old it is.

ASPCA also offers additional coverage in areas such as pet behavioral issues and alternative therapies. These features could be helpful to certain pets.

Benefits & Drawbacks

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

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 are the owner of multiple pets, you know that expenses are considerably higher than those of one pet. Vet costs, food, and toys…all those expenses can add up fast with multiple pets. But sometimes owning more than one pet could be to your benefit. Many pet insurers have a multiple pet discount that can reduce your premiums by as much as 15%. A company that offers a discount for owning multiple pets is Pets Best Pet Insurance.

Besides its discount for multiple pets, Pets Best Insurance offers low rates for pet insurance. Cats have an average monthly premium of $30. Dog insurance will cost about $40 monthly. This rate may depend on the breed of your dog you own, among other factors.

Pets Best has many attractive benefits for its customers with features like a 24/7 veterinary helpline for emergencies. It also provides extra coverage for pets that need special prosthetic devices or disabilities.

Benefits & Drawbacks

Benefits
  • Coverage includes pets requiring wheelchairs or prosthetic devices
  • Access to veterinary assistance through the 24/7 vet helpline
  • Accident coverage starts after a 3-day waiting period
  • Flexible coverage options available for accident and illness policies
Drawbacks
  • Claims processing is comparatively slower than other competitors
  • Policy modifications are only feasible during the time of renewal

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

Quite a few pet owners consider purchasing pet insurance but don’t pursue it because they believe it will be too costly. But, as you can see by the affordability of Lemonade Pet Insurance rates, coverage for your pet doesn’t have to break the bank. Nebraska cat owners have a premium of about $16 per month, while dog owners pay about $36 per month. Rates might be higher for certain animals. Senior pets and/or pets with chronic health problems, will usually have a higher premium.

Lemonade Pet Insurance offers discounts that can help pet owners get lower rates. One way to do this is to bundle two or more types of coverage. By bundling and getting a discount, you can save up to fifteen percent. Lemonade offers customers a mobile app that makes it easy to get online and manage your pet insurance.

Benefits & Drawbacks

Benefits
  • Accidents covered after a quick 2-day waiting period
  • Faster claims processing compared to major competitors
  • Access to numerous discounts
  • A portion of the policyholder’s premium is donated to nonprofits
Drawbacks
  • Certain pet breeds face age-related coverage restrictions
  • Coverage is limited depending on the state of residence
  • Pet owner credit and claim history are considered in determining insurance rates

Average cost of pet insurance in Nebraska

Average Cost in Nebraska — By Cat Breed 

Cat Breed Average Monthly Cost
Domestic Shorthair $14
Sphynx $14
Siamese $18
Maine Coon $23

Average Cost in Nebraska — By Dog Breed 

Dog Breed Average Monthly Cost
Affenpinscher $15
Labradoodle $33
Greyhound $60
Newfoundland $81

Average Cost in Nebraska — Accidental-Only Coverage 

Insurance Provider Average Monthly Cost for Accident-Only Coverage
Lemonade $26
Pets Best $31
TrustedPals $32
Figo $38
ASPCA $49

Average Cost in Nebraska — Comprehensive Coverage 

Insurance Provider Average Monthly Cost for Comprehensive Coverage
Pets Best $36
Lemonade $45
Trusted Pals $46
FIGO $52
ASPCA $55

How to buy pet insurance online in Nebraska

If you plan to research pet insurance and find the best company, you might be happy to know that you can do it all online. The internet and sites like Insuranceopedia make the whole process from learning about pet insurance to purchasing a policy quick and easy. You can even take some steps ahead of time, which will expedite things.

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

  • Step 1: Gather together all of the information you’ll need before beginning. This includes the type of pet you have, as well as the pet’s breed, age, medical history, and any documents you have about lineage
  • Step 2: Figure out approximately how much coverage is best for your pet’s needs, and how much of a deductible
  • Step 3: Compare 3 rate quotes from your final choices
  • Step 4: Eliminate two of those three insurers and submit an application for the one that remains. Buy the policy you want, and don’t forget to contact your vet about your new pet insurance

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%

 

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

There are pet owners who mistakenly think that pet insurance rates are based on only one or a couple of factors. Actually, there are multiple factors that go into setting rates for pet insurance. Below are some examples of components to be considered:

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

Animal Type

Pet insurance rates may be influenced by what type of pet you own. Dog owners normally pay 2-3 times higher premiums than people who have cats, for example. This may be because some dogs are outside more than cats, where there is a higher chance of having an accident or contracting a disease.

Breed

The breed of pet you own might affect pet insurance premiums. Normally, there’s not a marked difference between rates for most dog breeds. However, dog breeds that have been classified high-risk could have higher rates for pet insurance.

Bulldogs and boxers are both high risk breeds due to their hereditary sinus and skin problems. If you own one of these breeds, it’s safe to say that you’ll be paying a higher premium.

Age

Age is another component that might affect premiums charged by pet insurers. Some pet companies keep rates low regardless of age, while some don’t. There are some pet insurance companies that won’t accept an application if the pet isn’t inside the company’s age limit. If you are the owner of an older animal, be sure to purchase insurance from a carrier that will cover senior pets.

Insurance Type

When you purchase pet insurance, you will usually have 2 options: accident and sickness, or accident-only. Both options have good points and will provide protection for your pet. A comprehensive plan will cover accidents and sickness, too. It will cost more than accident only, of course. If it’s a tough decision to choose between the two, ask yourself if the additional coverage will justify the additional price.

There isn’t normally a lot of difference between pet insurance premiums from one city to another city. Still, there are some places within a state that might be classified as high risk because there are more than the average number of claims in that area. If your home is one of those high risk areas, your rates for pet insurance will probably be higher,

Pet Insurance Discounts In Nebraska

Just as most other kinds of insurance, location may factor into pet insurance rates. If you  live in a place that’s considered high risk by pet insurers, you might still be able to save money on pet insurance premiums by using policy discounts.

Pet insurance carriers might offer various discounts, so look around before buying and see what’s available. Here are some discounts that could decrease your pet insurance premiums:

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

How To Find The Best Pet Insurance Company For You

Buying a pet insurance policy is a lot like buying insurance for yourself. In order to make an informed buying decision, there are things you need to do, including getting rate quotes, benefits and coverage, comparing deductible amounts, checking for discounts, looking over customer reviews, and more. If you don’t know much about pet insurance, you’ll probably find it useful to at least learn the basics.

Almost all pet insurance carriers sell policies that will only pay benefits for accidents. Disease or health problems aren’t covered. Some pet insurance companies will offer accident and forgiveness policies. Either one of these might be suitable for your pet insurance needs.

Young pets are far less likely to have age-related health conditions than older pets. The fact is that the older age group of pets has a much increased risk of health problems. This means that if you have a young pet, accident only coverage might be adequate for your needs. But, if your pet is designated high risk for particular health conditions, you would probably be better off with a comprehensive policy that would cover both accidents and sickness.

A waiting period as regards an insurance policy is the duration of time before insurance starts paying benefits on a claim. Waiting periods may vary between insurers and have various lengths of waiting periods, so this is something to check before you purchase a policy.

FAQs

Do all vets take pet insurance in Nebraska?

Most veterinarians will take pet insurance. Because the pet’s owner usually pays the vet bill and then waits to be reimbursed by the pet insurance company, it’s a no risk proposition for the vet. Your veterinarian may be amenable to filing the claim, in which case you wouldn’t have to pay the bill and then wait for reimbursement from the insurer.

How Much is Pet insurance in Nebraska?

Cat insurance rates in Nebraska are in line with everywhere else in the nation and are almost always considerably lower priced than for dogs. Monthly premiums for cats in Nebraska is about $27 monthly and dog insurance has an average premium of $49 monthly.

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

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

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