Best Pet Insurance Indiana Companies 2023: Get Quotes

Find the best pet insurance Indiana Companies, remarkably easily and fast.

With so many US pet insurance companies in Indiana, how do you know which one is best for your unique pet in Indiana? From Evansville to Fort Wayne, to Indianapolis, and all over “The Hoosier State” – we help thousands of pet parents as you compare and buy the best coverage at the best price.

At tontimes, we only work with industry-leading pet insurance companies so you can rest assured that your personalized analysis is already filtered down to proven plans with great Indiana customer experiences.

Our Methodology and Approach

We researched leading pet insurance companies in Indiana to give you an objective summary of how long it takes them to reimburse you, how long you have to lodge a claim, deductibles, reimbursement rates, coverage restrictions, and what’s covered, and what’s not covered.

A licensed insurance expert has reviewed all content. We strongly advise you to acquire customized advice based on the breed, age, and location of your pet.

Why You Can Trust Us

Unlike other platforms, we offer personalized advice based on breed-specific attributes and total cost predictions for the lifetime of the pet. Our Advisor is recommended by the American Animal Hospital Association (AAHA) as the Preferred Business Provider for pet insurance.

Why We Don’t Have Pet Insurance Ratings or “Picks”

You may have seen ranked pet insurance recommendations on numerous review sites. Many companies that rank some pet insurance policies higher than others are paid to do so.

FACT: There is no one-size-fits-all pet insurance. The “best pet insurance” depends entirely on your pet’s breed, age, location, and many more.

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Below you’ll find data-driven breakdowns comparing top pet insurance providers side-by-side. To see which pet insurance is best for you, get a personalized recommendation now.

Best Pet Insurance Companies Indiana 2023

PLEASE NOTE: These companies are not ranked and are in no specific order. See above for why we don’t believe in broad ratings or “picks”.

COMPANY	REVIEWS	PAYBACK
ASPCA	4.5 | 1812 Reviews	9 days after claim, on average
PetsBest	4.5 | 967 Reviews	7 days after claim, on average
Embrace	4.1 | 992 Reviews	10 days after claim, on average
MetLife	4.3 | 637 Reviews	10 days after claim, on average
FIGO	4 | 650 Reviews	8 days after claim, on average
PRUDENT PET	4.8 | 825 Reviews	1-7 days after claim, on average
HARTVILLE	4.5 | 145 Reviews	9 days after claim, on average
Fetch	4.4 | 743 Reviews	6 days after claim, on average

Overview of Indiana Pet Insurance Comparison Chart

COMPANY	DEDUCTIBLE	REIMBURSEMENT	LIMITS
ASPCA Pet Health Insurance	$100, $250, or $500	70%, 80%, or 90%	$2,500, $5,000, $10,000, $15,000, or Unlimited
Pets Best Pet Insurance	$100, $250, $500, or $1,000	70%, 80%, or 90%	$5,000, or Unlimited
Figo Pet Insurance	$100, $250, $500, or $750	70%, 80%, 90%, or 100%	$5,000, $10,000, or Unlimited
Healthy Paws Pet Insurance	$100, $250, or $500	70%, 80%, or 90%	Unlimited
Embrace Pet Insurance	$200, $300, $500, $750, $1,000	70%, 80%, 90%	$5,000, $8,000, $10,000, $15,000, $30,000
Lemonade Pet Insurance	$250, $500, $1,000, or $2,500	60%, 70%, 80%, or 90%	$5,000, $10,000, $20,000, $50,000, or $100,000
MetLife Pet Insurance (Formerly PetFirst)	$50, $250, or $500	80%, or 90%	$5,000, or $10,000
Nationwide Pet Insurance	$250	50%, or 70%	$7,500
Trupanion	$0 – $1,000 (in $5 increments)	90%	Unlimited
Fetch by The Dodo (Formerly Petplan)	$250, $300, or $500	70%, 80%, or 90%	$5,000, $10,000, or $15,000
Hartville Pet Insurance	$100, $250, $500, $750, or $1,000	70%, 80%, or 90%	$2,500, or $5,000
Pumpkin Pet Insurance	$100, $250, or $500	90%	Dogs: $10,000, $20,000, or Unlimited. Cats: $7,000, $15,000, or Unlimited
Spot Pet Insurance	$100, $250, $500, $750, or $1,000	70%, 80%, or 90%	$2,500, $3,000, $4,000, $5,000, $7,000, $10,000, or Unlimited

How to Choose the Best Pet Insurance Policy for Your Family in Indiana

The best pet insurance policy is determined by your pet’s breed, age, location, and personal preferences. However, there are a few things that every dog or cat parent in Indiana should think about before making a decision.

• Step 1. Get a personalized recommendation and see quotes from top providers all in one place.
• Step 2. Review the coverage details of your recommended plan so you know exactly what’s covered and what’s not in the policy.
• Step 3. Review the Lifetime Pricing score to ensure you’re getting the best deal with your money.
• Step 4. Customize the policy to fit your needs and budget. Choose your reimbursement rate, annual limit, deductible, and routine care add-ons.

Pro Tips: Sometimes, the cheapest plan today may not be the cheapest plan in five years because providers raise premiums at different rates based on your pet’s breed, age, and location. This is especially important because you want to choose the best plan upfront — you don’t want to change providers once enrolled because any pre-existing condition will not be covered. Use a trusted Lifetime Pricing Score to find the best deal.

Pet Insurance Indiana Costs

The cost of pet insurance in Indiana varies greatly depending on your zip code, the age of your dog or cat in relation to its expected lifespan, and the health risks associated with your pet’s breed (s). The table below shows some price ranges for top providers in Evansville, Fort Wayne, and Indianapolis.

BREED & AGE	MONTHLY INSURANCE COST
Chihuahua 6 months old puppy	Evansville   $14-$37 Fort Wayne   $14-$50 Indianapolis  $14-$50
Domestic Shorthair 6 months old kitten	Evansville      $10-$19 Fort Wayne    $10-$30 Indianapolis   $10-$30
Golden Retriever 6 months old puppy	Evansville      $23-$59 Fort Wayne    $23-$81 Indianapolis   $23-$81
Maine Coon 6 months old kitten	Evansville      $12-$21 Fort Wayne    $12-$33 Indianapolis   $12-$33
Chihuahua 5 years old dog	Evansville      $17-$44 Fort Wayne    $17-$60 Indianapolis   $17-$60
Domestic Shorthair 5 years old cat	Evansville      $12-$22 Fort Wayne    $12-$34 Indianapolis   $12-$34
Golden Retriever 5 years old dog	Evansville      $31-$72 Fort Wayne    $31-$98 Indianapolis   $31-$98
Maine Coon 5 years old cat	Evansville      $15-$25 Fort Wayne    $15-$38 Indianapolis   $15-$38

NOTE: The Indiana average monthly costs listed above are based on an 80% reimbursement rate, unlimited annual reimbursment, and a $500 deductible.

How to Get the Best Deal on Pet Insurance Rates in Indiana

The majority of IN pet owners who enroll in pet insurance do so within six months of adopting their new four-legged family member. Puppies and kittens in Indiana typically have the lowest rates because they have a lower risk of developing health issues – and it’s critical that your plan’s coverage kicks in before any pre-existing conditions arise.

Pet Type	Example $ Savings	Average % Savings
Kittens	$38.33	15.12%
Puppies	$132.75	30.23%

Note that the Indiana average savings listed above refer to the difference in annual premiums for a 1-year-old pet vs a 5-year-old pet, and are based on an 80% reimbursement rate, unlimited coverage, with a $500 deductible. However, prices may be lower or higher for different coverage options.

Discounts & Lifetime Pricing Score

Several providers will provide a discount for insuring multiple pets, which often includes an additional 10% discount for additional pets.

• Coverage Score assigns a rating to plans based on how well they will cover your pet’s breed-specific health risks.
• Lifetime-Pricing Score ranks plans based on lifetime value over the course of your pet’s life. This score considers expected premium increases as your pet ages and can save you up to 75% on lifetime insurance costs by assisting you in selecting the right plan.

Is Pet Insurance Indiana Worth It?

The number of insured pets grows by nearly 20% each year, and for good reason. After surveying over 20,000 pet owners, we discovered that four out of five could not afford an unexpected $5,000 veterinary bill without pet insurance.

With more than 20,000 pet owners and 69.20% of Indiana households owning a pet, pet insurance is an excellent tool for mitigating financial risk. It’s similar to auto insurance in that you have it but hope you never need it – but if an unexpected tragedy occurs, you’ll be reimbursed 70% to 90% of the costs (depending on your plan). Getting Indiana pet insurance can help ensure that your dog or cat receives the care they require. It enables you to prioritize doing the right thing over cost.

You can use pet insurance at any licensed veterinary clinic or animal hospital in Indiana

Because pet insurance reimburses you rather than the vet, you can use your plan at any veterinarian in Indiana. Whether your veterinarian is in Evansville, Fort Wayne, Indianapolis, or anywhere in between, pet insurance plans can help IN residents reduce out-of-pocket costs for unexpected accidents or illnesses.

Veterinary Costs in Indiana

• According to CNBC, one out of every three pets will require emergency medical treatment in any given year.
• According to EmergencyVetsUSA, the average cost of emergency veterinary care that necessitates hospitalization for 1-2 days is $600-$1700, while surgery in the pet ER can easily cost up to $5,000.
• Almost 60% of dogs are overweight or obese.
• By the age of two, 80% of dogs will have some form of dental disease.
  According to the Veterinary Cancer Society, nearly half of all dogs over the age of ten will develop cancer.

Vet bills in Indiana are lower than the national (US) average. This means that the cost of health insurance in this state is likely to be the lowest.

According to our data, the cost of veterinary care and pet insurance for dogs in Indiana is 14.67% lower than the national average, while the cost for cats in Indiana is 15.01% higher.

NOTE: The above Indiana vet cost prediction refers to the difference in health insurance premiums for a 6-month-old pet in IN versus the national average. We used premiums in this analysis because they are highly correlated with veterinary costs in a given location.

How Does Pet Insurance Works in Indiana?

Most Pet Insurance Indiana reimburses you after you submit a claim, and because the insurance company pays you back rather than the veterinarian, you don’t have to worry about being “in-network.” Your pet insurance will be accepted by any licensed veterinarian in Indiana.

Below is an example of how the claim process works:

• You pay for the vet treatment your pet needs.
• You submit a claim to your pet insurance company.
• The pet insurance company reimburses you 70%, 80%, 90%, or even 100% of the covered costs (after your deductible is met, and usually within 10 days depending on the provider).

Save Hours Comparing Pet Insurance Quotes with a Personalized Recommendation

Remember, there is no such thing as one-size-fits-all pet insurance. The best plan (and pricing) will be determined by your cat or dog’s breed, age, and zip code in Indiana. However, it’s critical to consider not only how much your pet insurance policy will cost today, but also how much it will cost over the course of your pet’s life.

Simply put, a policy that appears to be cheaper today may not be cheaper in the long run.