7 Best Pet Insurance Companies in Indiana: 2022 – MarketWatch

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All pet parents want to provide the best care to their furry companions, but costs don’t take long to add up. A single surgery can cost thousands of dollars, which doesn’t include exams or medications. Pet health insurance can reduce these costs when an accident or illness occurs. 
Pet owners in Indiana have many providers to choose from, each with different benefits. To help you narrow your choices, we at the Home Media reviews team researched the top pet insurance providers and compared their costs and plans. These are our top picks for pet insurance companies in Indiana.
 
 
Here are our top seven picks for the best pet insurance companies in Indiana based on our research.
 
 
Lemonade is ideal for pet parents on a budget. According to the quotes we gathered for Indiana residents, the company has the most affordable plans. You can also save money by bundling policies since Lemonade offers home, renters, auto and life insurance.
Lemonade has a standard accident-and-illness plan covering injuries, illnesses, diagnostics, associated procedures and prescription medication. There are also two preventive add-ons covering wellness checks, bloodwork, dental cleanings, vaccines and some preventive testing. The more expensive option has a slightly higher reimbursement rate.
All quotes in this article are for 4-year-old, mixed-breed cats and dogs in Indiana. We compared varying deductibles, coverage limits and reimbursement percentages. 
To learn more: Lemonade Pet Insurance review
Get a quote: Visit Lemonade’s website
 
 
Spot is popular among pet owners due to its many customization options. Its various plans make it easy to find a policy that works for your budget and pet’s needs. You can also choose from seven annual limits, including a low $2,500 option if you want minimal coverage.
Spot’s accident-only and accident-and-illness plans cover standard treatments and procedures related to accidents and sicknesses. Spot also covers microchipping and behavior treatments, which not all providers do. You can choose from the Gold and Platinum plans to add preventive care coverage. Each tier has different per-treatment coverage limits.
To learn more: Spot Pet Insurance review
Get a quote: Visit Spot’s website
 
 
Healthy Paws provides unlimited coverage with no annual or lifetime caps. Its accident-and-illness plan covers standard issues, including broken bones, lacerations, swallowed objects, cancer, diabetes, hereditary conditions and more. It processes most claims within two days, resulting in fast reimbursements. However, it doesn’t include a preventive coverage option.
To learn more: Healthy Paws Pet Insurance review
Get a quote: Visit Healthy Paws’ website
 
 
Unlike most providers that cap reimbursement at 90%, Figo will reimburse 100% of covered veterinary bills. It also offers unlimited annual benefits and doesn’t cap payments by condition type. Its waiting period for injury-related claims is much shorter than many providers at just one day. It may cover certain preexisting conditions if your pet hasn’t shown symptoms for 12 months before enrollment.
Figo offers three levels of accident-and-illness coverage. Each level covers common expenses related to accidental injuries and illnesses, such as surgeries, X-rays, broken bones, general sickness, diabetes and cancer. The difference is how much coverage is provided per level. 
Here’s what to expect with each level:
Figo also offers vet exam fee coverage and routine care benefits for an additional monthly cost.
Get a quote: Visit Figo’s website
 
 
Embrace offers multiple ways to lower your premium if you want to save money. The company provides several discounts, including a 10% discount for each additional pet policy you purchase, a 5% military discount and a 10% employee discount if your employer offers Embrace. You’ll also see your deductible go down $50 each year you don’t file a claim. 
Embrace’s accident-and-illness plan covers pets 14 and under for treatments and procedures related to accidental injuries and sicknesses. Coverage limits range from $5,000 to $30,000. There’s also an option to add preventive care coverage with tiers at $250, $450 and $650 annually.
To learn more: Embrace Pet Insurance review
Get a quote: Visit Embrace’s website
 
 
Fetch’s accident-and-illness plan is more comprehensive than many competitors. Though the company doesn’t provide add-on options for preventive care, its standard accident-and-illness plan covers unique items such as dental care, alternative therapies and behavioral therapy. That means you can get therapy for your pet if it experiences issues such as anxiety or aggression, plus alternative treatments such as acupuncture and chiropractic adjustments. 
To learn more: Fetch Pet Insurance review
Get a quote: Visit Fetch’s website
 
 
Trupanion gives you more control over your monthly premium. It offers a 90% reimbursement rate, unlimited coverage and a deductible range from $0 to $1,000. Unlike most providers, Trupanion pays your vet directly at checkout, so you don’t have to go through the trouble of filing a claim and waiting for reimbursement. 
The company offers a standard accident-and-illness plan covering issues such as respiratory infections, hip dysplasia, heart disease, cataracts, liver disease, infections, pain, GI upset and injuries. It doesn’t have any preventive care add-ons, but it covers some unique items such as prosthetic devices and carts and herbal therapies.
To learn more: Trupanion Pet Insurance review
Get a quote: Visit Trupanion’s website
 
 
There are three primary types of pet insurance plans: accident-only, accident-and-illness and wellness. Here’s what you can expect from each coverage option. 
In addition to plan types, you’ll need to consider other factors such as your annual limit, deductible and reimbursement rate. Your annual limit is the maximum amount a provider will pay toward your vet claims per year. The deductible is the maximum amount you’ll pay out of pocket per year or per condition, and the reimbursement rate is the percentage of each claim the provider will pay. 
A low reimbursement rate and high deductible will decrease your monthly premium, but you’ll pay more out of pocket when you file a claim. Conversely, a high reimbursement rate and low deductible will decrease your out-of-pocket costs but increase your monthly rate.
 
 
Every pet insurance provider has pros and cons, so choosing the best policy comes down to your priorities. Here are some considerations to weigh.
 
 
There are a lot of excellent pet insurance options available in Indiana. Each provider in this review has been thoroughly vetted and found to have multiple benefits. Embrace has multiple savings opportunities for pet parents on a budget, while Spot allows for customization, and Figo provides full reimbursement. Lemonade offers bundling with your home insurance, and Fetch provides options for therapy coverage.
Selecting the right pet insurance policy comes down to finding coverage that best meets your pet’s needs and budget. We recommend comparing quotes from at least three providers so you can make an informed decision.
 
 
See how these Indiana pet insurance providers compare based on data gathered in our secret-shopping process.
Provider
Get a Quote
Our Score (Out of 5)
Monthly Cost*
Waiting Periods
Multi-pet Discount
Mobile App
Lemonade
Visit Lemonade
4.5
$32.09
2 days for accidents; 14 days for illnesses
10%
✔
Spot
Visit Spot
4.4
$31.48
14 days for all conditions
10%
✔
Trupanion
Visit Trupanion
3.9
$76.99
2 days for accidents; 14 days for illnesses

10%
✔
Fetch
Visit Fetch
4.4
$31.82
15 days for accidents and illnesses
None
✔
Embrace
Visit Embrace
4.5
$33.09
Varies by ZIP code
5%–10%
✔
Healthy Paws
Visit Healthy Paws
4.2
$40.24
2 days for accidents; 14 days for illnesses
5%
✔
Figo
Visit Figo
4.5
$36.29
14 days for all conditions
10%
✔
*We obtained the sample monthly premiums above for an accident-and-illness policy for a 4-year-old, medium-sized, mixed-breed dog in Indiana. Pricing may vary based on your pet’s age, breed and location, so we recommend getting quotes directly from companies for the most accurate cost information.
 
 
If you want peace of mind that you can afford vet care for your pet, then yes, pet insurance is worth it. Whether your pet is young or aging, it will likely get sick or injured at some point. This could be a hereditary illness down the line or a swallowed toy tomorrow. Pet insurance means you won’t have to pay 100% of the bill when this happens, potentially saving you thousands of dollars.
A preexisting condition is any condition your pet shows symptoms for before enrollment or during your policy’s waiting period. Most providers won’t cover preexisting conditions, but some will cover certain conditions if your pet has shown no symptoms within a stated period, usually 12 to 18 months before enrollment. 
The average cost of pet insurance in Indiana is roughly $40 per month for a male, mixed-breed, 4-year-old dog. Your monthly rate depends on your ZIP code, pet type and its preexisting conditions, so it’s essential to get quotes to compare pricing accurately. Check out our review of cheap pet insurance companies to see affordable plans. 
Yes, you can use pet insurance at any vet, whether they’re a general vet, specialist or at an emergency hospital. This applies in Indiana and across the country if your pet has an issue while you’re traveling. 
 
 
Our review of pet insurance companies is based on in-depth industry research that includes reading hundreds of customer reviews, simulating the quote and purchasing process, speaking to representatives on the phone to assess the customer service experience and surveying 1,000 dog and cat owners nationwide to determine the most important elements of pet insurance coverage.
We have scored each provider on a 100-point scale based on those elements. We then divided the points earned for each provider’s final score on a 5-point scale.
Here are more details about each factor and how they’re weighted: 
We use our rating system to compare and contrast each company against key factors to help us determine the best pet insurance companies in the industry. Additionally, we keep our research up to date and revisit our reviews on a regular basis.
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