Best Pet Insurance In Wisconsin For April, 2024

Lemonade Pet Insurance stands as my top pick for Wisconsin’s finest pet insurance provider.

min read
Updated: 18 February 2024
Written by
Doug Schaffer
On this page Open

Our team of pet insurance experts delved into 36 quotes from 21 pet insurance providers to uncover the best coverage for various needs. When it comes to pet insurance in Wisconsin, Lemonade Pet Insurance shines as the undisputed champion. Not only do they offer top-notch overall coverage, but they also take the crown for affordability, especially for pet parents with young animals.

Yet, let’s not overlook three other noteworthy contenders in this area: ASPCA, Embrace, and Pets Best Pet Insurance, each excelling in their own specialized categories.

In the upcoming sections, we’ll dissect some of the top pet insurance options in Wisconsin and unravel how various factors can affect your premiums.

Best Pet Insurance Companies In Wisconsin, 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, Wisconsin 2024

Compare The Best Pet Insurance Companies In Wisconsin

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

$18.41

2 days accidents and 14 days illnesses

Affordable Coverage

$35.18

Instant Quote
Lemonade Pet Insurance
4.7

$18.41

2 days accidents and 14 days illnesses

Owners Of Young Pets

$35.18

Instant Quote
Pets Best
4.5

$29.54

3 days for accidents and 14 days for illnesses

Owners Of Multiple Pets

$41.39

Instant Quote
ASPCA
4.6

$38.67

Immediately for preventive care and 14 days for accidents and illnesses

New Pet Owners

$83.30

Instant Quote
Embrace
4.7

$20.44

48 hours for accidents and 14 days for illnesses

Cat Owners

$48.25

Instant Quote
Lemonade Pet Insurance
4.7

$18.41

2 days accidents and 14 days illnesses

Overall Coverage

$35.18

Instant Quote
Scroll to see comparisons

Our Methodology

To find the most affordable pet insurance rates in Wisconsin, our team embarked on a thorough analysis of data from various pet insurance providers across the state. We also harnessed the collective expertise of our seasoned insurance professionals, who boast a remarkable twenty-five years of industry experience, to meticulously assess each carrier.

However, it's crucial to bear in mind that while the rates presented in this guide are accurate as of now, pet insurance premiums are as dynamic as Wisconsin's desert landscape. They can shift daily and are subject to variations based on factors such as your pet's age or breed.

36

Quotes Analyzed

25+

Years Of Industry Experience

21

Brands Reviewed

32+

Research Hours

Pet Insurance Company Reviews


Best Overall Coverage

Overall Rating
4.7

Key Statistics

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

Why We Like Them

Several factors contribute to a pet insurance company’s excellence, including affordability, customer service quality, and the speed of processing claims. In Wisconsin, Lemonade Pet Insurance emerged as the standout performer across most categories. They offer budget-friendly monthly coverage at just $18.41 for cats and $35.18 for dogs.

In addition to their wallet-friendly rates, Lemonade also garnered high praise from Wisconsin pet owners for delivering a top-notch customer service experience. Their team members genuinely care about animals, and it shines through in the exceptional service they extend to policyholders.

Benefits & Drawbacks

Benefits
  • Quick 2-day waiting period for accident coverage
  • Exceptional claims processing department leading the industry
  • A plethora of discounts on offer
  • A portion of your monthly premiums contributes to nonprofits
Drawbacks
  • Age restrictions for enrollment may apply to specific pet breeds
  • Policies are not accessible in all states
  • Insurance rates take into account pet owner credit and claims history

Cheapest Rates For Owners Of Multiple Pets

Overall Rating
4.5

Key Statistics

8/10 Affordability
9/10 Customer Reviews
7/10 Payouts
9/10 Coverage Level

Why We Like Them

When you’re a proud owner of multiple pets, it can mean more expenses on food and toys, but it can also bring some perks when it comes to pet insurance. Many pet insurance companies, like Pets Best, offer enticing discounts for policies covering multiple animals.

But that’s not all – Pets Best sweetens the deal with budget-friendly monthly premiums, clocking in at an average of $29.54 for cat insurance and $41.39 for dog insurance.

Pets Best goes the extra mile for their policyholders, providing a host of benefits. You’ll have access to a 24/7 vet helpline for those unexpected emergencies, and they even extend coverage to animals with disabilities or those in need of specialized prosthetic devices.

Benefits & Drawbacks

Benefits
  • Coverage extends to pets requiring wheelchairs or prosthetic devices
  • Access to 24/7 veterinary assistance via the vet healthline
  • Only a 3-day waiting period for accident coverage
  • Flexible coverage choices for accident and illness policies
Drawbacks
  • Claims processing tends to be less prompt 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
9/10 Payouts
8/10 Coverage Level

Why We Like Them

Many folks choose to bring home young pets, providing them the opportunity to grow alongside their new families. While the arrival of a kitten or puppy is brimming with excitement, it can also usher in a slew of new responsibilities that might seem a tad overwhelming at first. In addition to imparting proper training, it’s essential to partner with a pet insurance provider that simplifies the process of securing and managing coverage.

Enter Lemonade Pet Insurance, a harmonious blend of affordability and user-friendly features. With a stellar mobile app and a customer service team that sets industry standards, Lemonade offers attractive average rates of just $18.14 for cats and $35.18 for dogs.

For those caring for young pets, Lemonade Pet Insurance stands as the unrivaled choice.

Benefits & Drawbacks

Benefits
  • Policyholders enjoy a mere 2-day waiting period for pet injury coverage
  • Lightning-fast claims processing turnaround times
  • A wide array of available discounts
  • The company contributes a portion of policyholder premiums to nonprofits
Drawbacks
  • Certain pet breeds become ineligible for coverage once they reach a certain age
  • Coverage is not available in all 50 states
  • Insurance rates take into consideration pet owner credit and claims history

Cheapest Rates For New Pet Owners

Overall Rating
4.6

Key Statistics

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

Why We Like Them

For those who are fresh to pet ownership, having a reliable pet insurance provider like ASPCA, which boasts a strong track record of championing animal health, holds significant importance.

While ASPCA does come with slightly higher average premiums—around $38.67 for cat insurance and $83.30 for dog insurance—their numerous advantages more than compensate for the added cost. Notably, ASPCA doesn’t impose an age limit, making coverage available to senior pets, irrespective of their age.

Furthermore, ASPCA extends additional coverage options for behavioral concerns and alternative therapies, which can be particularly advantageous for certain dog breeds.

Benefits & Drawbacks

Benefits
  • Coverage includes a range of items such as alternative therapies, behavioral issues, and congenital conditions
  • Only a 14-day waiting period for cruciate injuries
  • Access to a 24/7 telehealth vet line
  • Vet clinic visit fees for illnesses and accidents are covered under standard policies
Drawbacks
  • Unlimited annual coverage can only be obtained through an agent
  • Limited choices for deductible options

Best Affordable Coverage

Overall Rating
4.7

Key Statistics

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

Why We Like Them

Lots of pet parents aim to safeguard their beloved furry companions, but the misconception lingers that insurance comes with a hefty price tag. Yet, Lemonade Pet Insurance boldly challenges this notion, showing that pet protection doesn’t have to drain your wallet. On average, cat owners typically shell out a modest $18.41, while dog guardians pay an affordable sum of approximately $35.18.

In their commitment to making coverage accessible, Lemonade Pet Insurance presents a range of discounts, including enticing bundling options that can trim costs by a substantial 15%. They also sweeten the deal with a user-friendly mobile app, making it a breeze to manage your existing policies with ease.

Benefits & Drawbacks

Benefits
  • Speedy 2-day waiting period for accidents
  • Claims processing surpasses other major competitors in terms of speed
  • Abundance of available discounts
  • A portion of policyholder premiums is donated to nonprofits
Drawbacks
  • Some pet breeds lose coverage after reaching a certain age
  • Coverage limitations tied to your state of residence
  • Insurance rates take into consideration pet owner credit and claims history

Cheapest Rates For Cat Owners

Overall Rating
4.7

Key Statistics

9/10 Affordability
10/10 Customer Reviews
8/10 Payouts
7/10 Coverage Level

Why We Like Them

If you’re a cat owner in Wisconsin on the hunt for top-notch policies to protect your feline friend, Embrace Pet Insurance is a compelling choice. They present cat insurance at pocket-friendly rates, averaging just $20.44 per month.

What sets Embrace apart is their commitment to giving back. For every policy they sell, they make a generous $2 donation, going the extra mile to support local charities.

Moreover, Embrace Pet Insurance has earned the trust of major car and home insurance providers such as USAA, Allstate, and GEICO, making them a preferred partner in safeguarding your beloved pets.

Benefits & Drawbacks

Benefits
  • Affordable policy choices available
  • Most standard policies encompass coverage for treatable pre-existing conditions
  • Pet owners with animals requiring orthopedic care can bypass waiting periods with a vet exam
Drawbacks
  • Senior pets aged 14 or above are eligible only for accident-only policies
  • Supplemental coverage is not included in standard policies

How To Find The Best Pet Insurance Company For You

Getting pet insurance is key to securing health or life insurance for yourself. It’s vital to compare rates, but before diving in, it’s crucial to understand what aspects to scrutinize in a pet insurance policy.

For instance, most companies offer two main types of plans: accident-only coverage and comprehensive accident and forgiveness plans. Both have their advantages and suit different scenarios.

Accident-only coverage often suits younger pets less prone to age-related illnesses, while breeds at a higher risk benefit more from comprehensive plans.

Another factor to weigh is the waiting period’s duration. Each pet insurance company sets its own waiting periods for accidents and illnesses, so it’s vital to determine what aligns best with your pet’s health needs.

Average Cost Of Pet Insurance In Wisconsin

Average Cost In Wisconsin — By Dog Breed

Dog Breed Average Monthly Cost
Affenpinscher $18
Labradoodle $34
Greyhound $60
Newfoundland $82

Average Cost In Wisconsin — By Cat Breed

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

Average Cost In Wisconsin — Accidental-Only Coverage

Insurance Provider Average Monthly Cost for Accident-Only Coverage
Lemonade $26
Pets Best $31
TrustedPals $32
Figo $43
ASPCA $52

Average Cost In Wisconsin — Comprehensive Coverage

Insurance Provider Average Monthly Cost for Comprehensive Coverage
ManyPets $34
Pets Best $36
Lemonade $44
Trusted Pals $46
Healthy Paws $53

 

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%

How To Buy Pet Insurance Online In Wisconsin

Buying pet insurance is a straightforward endeavor, especially when using a platform like Insuranceopedia. Nonetheless, there are some essential steps you can take beforehand and throughout the application process.

Here are four key steps to consider when buying pet insurance:

Step 1: Gather all vital information in advance (e.g., pet type, breed, age, medical history, and any documentation related to your pet’s lineage).

Step 2: Determine the desired coverage amount and deductible for your pet.

Step 3: Compare quotes from at least three different pet insurance providers.

Step 4: Finalize your policy purchase and inform your veterinarian about your new coverage.

Factors That Impact Cost Of Your Pet Insurance Policy In Wisconsin

Many pet owners assume the monthly premium for their pet’s coverage is tied to one or two factors. However, several elements go into establishing a rate for pet insurance. These pricing components include:

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

Animal Type:

When it comes time to purchase your pet insurance policy, the type of pet you own will be a significant factor in calculating your monthly payments. On average, dog owners pay 2-3 times more for coverage compared to cat owners due to the higher likelihood of dogs being exposed to outdoor risks.

Breed:

Similar to the category of the animal type, the specific breed of your pet also plays a role in your pet health insurance cost. While many dog breeds have similar premium rates, some are deemed higher risk. For instance, breeds like boxers and bulldogs have a known history of sinus and skin issues, leading to higher monthly premiums.

Age:

Your pet’s age is another crucial factor impacting the quotes you receive from pet insurance providers. While some insurers maintain consistent pricing regardless of age, others may decline coverage for older pets. If you are a pet owner of a senior furry friend, it’s essential to explore different options for pricing.

Insurance Type:

When acquiring your pet insurance policy, you’ll typically encounter two primary choices: accident-only or accident and illness coverage. Both options offer protection for your pet, but comprehensive policies usually come with higher costs. It’s important to weigh whether the additional coverage justifies the increased monthly expenses.

Location:

Regional considerations also come into play for many pet insurance companies when evaluating coverage costs. While there’s typically not a substantial difference in premiums between different cities, certain state regions may be regarded as higher risk due to a greater frequency of claims.

Pet Insurance Discounts In Wisconsin

Just like health insurance for humans, pet insurance in Wisconsin can vary in cost. If you want to reduce the expense, consider discounts. While not all pet insurance companies offer the same discounts, it’s worth checking out these options:

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

Wisconsin Pet Insurance Laws To Know

While Wisconsin doesn’t require pet insurance for pet owners, there exist various laws and legislations aimed at safeguarding both animals and their human companions. A notable example is a recent House Bill that made its way into law, addressing the role of a dog’s breed in determining homeowners’ and renters’ insurance.

In the past, insurance companies had the authority to decline coverage, cancel existing policies, or levy higher monthly premiums solely based on a pet’s breed. However, the enactment of House Bill 2323 has changed the landscape, making it unlawful for insurance companies to discriminate based on a dog’s breed or physical appearance. This signifies a significant stride in ensuring equity and protection for pet owners in the state.

Information About Wisconsin

Wisconsin is known for its Native American history and beautiful natural scenery. The state has cultural sites where you can learn about Native American traditions.

Wisconsin’s landscape is also impressive. You can visit places like the Great Lakes, forests, and scenic countryside. Whether you’re by Lake Michigan, hiking in the woods, or exploring Door County, there are plenty of ways to enjoy the state’s natural beauty.

FAQs

Do all vets take pet insurance in Wisconsin?

Every veterinary clinic in Wisconsin welcomes pet health insurance. This is because the pet owner initially pays for the medical expenses and then gets reimbursed by the pet insurance company.

Do I legally have to insure my pet in Wisconsin?

While it’s a good idea to have pet insurance for your furry friends, it’s not mandatory by law to insure your dog or cat in Wisconsin.

How much is pet insurance in Wisconsin?

As is the case across the country, cat owners in Wisconsin pay lower premiums compared to dog owners. On average, cat insurance in Wisconsin comes with a monthly premium of $27.56, while dog insurance tends to cost around $48.81 per month.

Go back to top