Best Pet Insurance in Minnesota of 2022 – MarketWatch

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You can’t predict an accident that could happen while taking your dog for a walk through the snow in a cold Minnesota winter, nor can you foresee a disease such as cancer or diabetes that could impact your pet’s health. That’s where pet insurance in MN comes in — to help you afford expensive veterinary bills related to emergencies and unexpected conditions.
If you opt for pet insurance, we at the Home Media reviews team have identified the best pet insurance companies in Minnesota. To find those top insurers, we researched the industry by surveying pet owners, analyzing hundreds of real-life customer reviews and comparing companies on a number of crucial factors such as policy coverage and affordability.
 
Here are our top picks for pet insurance in MN:
 
 
Coverage & Cost: You can purchase coverage for either accidents only or accidents and illnesses from Spot’s pet insurance plans. The accident-only plan provides coverage for injuries, swallowed objects, toxic ingestions and other accidents. The accident and illness plan covers illnesses and conditions, such as hip dysplasia, heart disease and cancer. Spot doesn’t cover cosmetic or elective procedures, issues related to pregnancy or pre-existing conditions.
Optional Add-Ons: Spot provides optional preventive care coverage with its Gold Plan, which comes with total per-treatment limits equaling $250 per year, and the Platinum Plan, which comes with $450 per year.
Sample Monthly Premiums: We pulled quotes from Spot for various pets, and an accident-only plan with a $5,000 annual limit, a $250 deductible and an 80% reimbursement rate was priced at the following monthly premiums, regardless of age and breed:
To learn more: Spot Pet Insurance Review
Get a quote: Visit Spot’s website and enter your pet’s information for a free quote.
 
 
Coverage & Cost: Embrace offers one plan for coverage on accidents and illnesses between $5,000 and $30,000 per year, depending on your needs. It pays for allergy testing, physical therapy treatments, hospitalization, lab tests, exam fees and more to treat your pet for unexpected accidents, injuries, general illnesses and other conditions. It doesn’t cover pre-existing conditions, elective procedures, organ transplants and breeding issues.
Optional Add-Ons: Embrace also offers the optional Wellness Rewards plan for coverage of up to $250, $450 or $650 per year on 100% of vet bills related to your pet’s routine and preventative care, such as spay or neuter surgery, microchipping, prescription diet foods and vaccinations.
Sample Monthly Premiums: Below are some average prices for mixed cats and dogs in Minneapolis between 1 and 9 years old on Embrace policies with $5,000 annual limits, $300 deductibles and 80% reimbursement rates:
To learn more: Embrace Pet Insurance Review
Get a quote: Use Embrace’s free online quote tool to check prices based on your pet’s details.
 
 
Coverage & Cost: Fetch provides a comprehensive accident and illness plan that covers injuries, general illnesses, dental issues, cancer treatment, behavioral issues and more. It also provides up to $1,000 for advertising and reward money for lost pets, boarding fees if you have to board your animal if you’re hospitalized for more than four days and vacation cancellation fees that you may incur during your pet’s covered treatment.
Exclusions: Since Fetch doesn’t offer coverage for preventative care, it’s not the best option for those who want help paying for their pet’s routine wellness treatments. Other exclusions include pre-existing conditions and elective procedures, and the company requires your pet to be examined annually to be eligible for coverage.
Sample Monthly Premiums: Here are some average premiums for mixed breeds from 1 to 9 years old in Minneapolis on Fetch policies with $5,000 annual limits, $250 deductibles and 80% reimbursement rates:
To learn more: Fetch by The Dodo Pet Insurance Review
Get a quote: Use Fetch’s online tool to get a quote based on your zip code and pet’s details.
 
 
Coverage & Cost: ASPCA Pet Health Insurance provides pet parents the choice between two plans. The Accident-Only Coverage Plan pays for vet bills, exam fees and other costs related to accidents, including broken bones, cuts, abscesses and toxic ingestions. The Complete Coverage Plan covers both accidents and illnesses, including behavioral issues, diabetes, respiratory issues and more.
Optional Add-Ons: Neither plan includes coverage for pre-existing conditions, issues related to breeding or pregnancy or elective procedures. It does offer two levels of preventative care coverage that can be added to your policy. The Basic Plan includes up to $250 per year of per-treatment limits, whereas the Prime Plan includes $450 per year at a higher monthly rate.
Sample Monthly Premiums: We gathered the following average prices from quotes in Minneapolis for the Complete Coverage Plan with $5,000 of annual coverage, a $250 deductible and an 80% reimbursement rate for mixed cats and dogs, ages 1–9:
To learn more: ASPCA Pet Health Insurance Review
Get a quote: Visit the ASPCA Pet Health Insurance website to get a free quote on your dog or cat’s policy.
 
 
Coverage & Cost: Healthy Paws offers one plan and doesn’t provide any optional add-ons for preventative care. It includes unlimited per-incident, annual and lifetime coverage for your animal’s accidents and illnesses, including cancer, hereditary conditions, chronic conditions and more. It doesn’t cover exam fees, vet visit fees, spay or neuter procedures, elective surgeries, behavioral treatments and pre-existing conditions.
Sample Monthly Premiums: We pulled quotes from Healthy Paws on policies with a $250 deductible and 80% reimbursement rate when those options were available for mixed 1- to 9-year-old pets in Minneapolis. Here are average rates from those sample quotes:
To learn more: Healthy Paws Pet Insurance Review
Get a quote: Fill out this online form for an instant quote from Healthy Paws.
 
 
Coverage & Cost: Prudent Pet offers three coverage plans: the Accident-Only Plan, Essential Plan and Ultimate Plan. The Accident-Only Plan has a $10,000 annual coverage limit and covers bite wounds, broken bones, tooth injuries and more. The Essential Plan also has a $10,000 annual limit and covers everything in the previous plan plus illnesses and other conditions, such as hip dysplasia, hereditary conditions and more. The Ultimate Plan has unlimited annual coverage for those accidents and illnesses, plus it reimburses you for mortality costs, vacation cancellation fees, boarding fees if you’re hospitalized for more than four days and can’t take care of your pet and lost-pet advertising and reward money.
Optional Add-Ons: You can also add preventative care and vet visit fees coverage to your policy for an extra monthly cost.
Sample Monthly Premiums: Here are some average prices from quotes for Prudent Pet’s Essential Plan with a $250 deductible and 80% reimbursement rate for mixed dogs and cats between 1 and 9 years old in Minneapolis:
To learn more: Prudent Pet Insurance Review
Get a quote: Fill out this easy form for an online quote from Prudent Pet.
 
 
Coverage & Cost: Pawp doesn’t offer pet insurance policies, but it provides a $24-per-month membership to a 24/7 virtual vet digital clinic and includes a $3,000 emergency fund that can be used once per year for life-threatening emergencies that unexpectedly happen to your pet. The fund can pay 100% of your vet bill without any deductibles or copays owed out of your pocket and can cover items such as severe internal or external injuries and choking and toxic ingestions. Pawp doesn’t pay for any scheduled procedures or treatments, preventative care, pregnancy or breeding issues and anything not considered life-threatening.
How Pawp Works: To access the emergency fund, you must confirm your pet’s eligibility by speaking with an official Pawp vet after the incident, then you have four hours to get your pet to a local vet near you to use the money.
To learn more: Pawp Pet Insurance Review
Get a quote: Sign up for a Pawp membership on the company’s website.
 
 
Your decision for your pet insurance policy should be driven by your pet’s specific needs. That may mean choosing Embrace for a solid preventative care plan for your puppy’s wellness treatment or picking Prudent Pet for its comprehensive Ultimate Plan with unlimited annual coverage.
No matter where your needs fall, we recommend pulling quotes from a few different providers to compare prices and offers based on your exact location in Minnesota and your pet’s age, breed, gender and species.
 
 
Provider
Monthly Cost*
Waiting Period for Accidents
Waiting Period for Illnesses
Multi-Pet Discount
Mobile App
Spot
$44.14
14 days
14 days
10%
✔
Embrace
$51.26
2 days
14 days
10%
✔
Fetch
$57.18
15 days
15 days
None
✔
ASPCA
$44.14
14 days
14 days
10%
✔
Healthy Paws
$42.16
15 days
15 days
None
✔
Prudent Pet
$44.89
5 days
14 days
10%
✘
Pawp
$19.00
14 days
14 days
None
✘
*Each provider’s monthly cost is based on accident and illness policy premiums from quotes we received on 4-year-old medium-sized dogs in Minneapolis.
 
Unlike home insurance and other insurance products, pet insurance is pretty simple. It’s typically broken down into two plan options plus preventative care endorsements that can be added to your policy. Here are more details about each type of plan:
 
 
Each pet insurance company offers different coverage levels, types of plans, customization options and more. Before picking a policy, you should consider the following factors to make sure you choose the right one for you and your companion:
 
 
Although pet insurance companies don’t require a credit check like some other insurance products, pet insurance premiums can greatly vary depending on a few rating factors that impact prices, such as your pet’s age, breed, species and zip code. To give you a general idea of pet insurance pricing in Minnesota, we pulled dozens of quotes on pets of various breeds and ages and found that most policies were around $20–$130 per month for dog insurance and $15–$50 per month for cat insurance.
Pet insurance always comes with waiting periods between your initial enrollment and when coverage officially starts. While the industry standard is around 14–15 days, some providers, such as Embrace and Prudent Pet, have shorter waiting periods for issues related to accidents.
We recommend purchasing your pet insurance policy early in your animal’s life to ensure that all future health conditions that may arise are covered. Additionally, purchasing preventative veterinary care early on can help you pay for those puppy or kitten vaccinations and wellness treatments that are common for young pets.
 
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.
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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