Forbes Advisor’s analysis reveals Pets Best and Embrace as top contenders for pet insurance in Indiana. This guide delves into the costs, coverage, and key features of the best pet insurance companies in the state.
The Best Pet Insurance Companies in Indiana
Several factors were considered when evaluating pet insurance providers, including the ability to pay the vet directly, the availability of a 24/7 vet health line, and the option to add a wellness plan. Here are the top picks:
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Pets Best:
- Rating: 5.0
- Monthly Average Cost for Dogs: $28
- Special Waiting Period: 6 months for cruciate ligament conditions
- Can Pay The Vet Directly?: Yes
Pets Best logo -
Embrace:
- Rating: 4.5
- Monthly Average Cost for Dogs: $50
- Special Waiting Period: 6 months for orthopedic conditions, which can be waived with an orthopedic exam.
- Can Pay The Vet Directly?: No
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ManyPets:
- Rating: 4.0
- Monthly Average Cost for Dogs: $45
- Special Waiting Period: None
- Can Pay The Vet Directly?: No
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Figo:
- Rating: 4.0
- Monthly Average Cost for Dogs: $53
- Special Waiting Period: 6 months for orthopedic conditions, which can be waived with an orthopedic exam.
- Can Pay The Vet Directly?: No
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AKC:
- Rating: 4.0
- Monthly Average Cost for Dogs: $45
- Special Waiting Period: 180 days for cruciate ligament conditions and intervertebral disc disease
- Can Pay The Vet Directly?: No
How Much Does Pet Insurance Cost in Indiana?
The average cost for pet insurance in Indiana is:
- Dogs: $67 per month (for a plan with unlimited annual coverage, a $250 deductible, and 80% reimbursement)
- Cats: $31 per month (for a plan with unlimited annual coverage, a $250 deductible, and 80% reimbursement)
These figures are based on Forbes Advisor’s research.
How to Find the Best Pet Insurance in Indiana
When evaluating pet insurance options, consider these features:
- Free 24/7 Vet Helpline: Many insurers offer access to a 24/7 helpline for pet health questions.
- Direct Vet Payments: Some companies, like Pets Best, allow direct payments to the vet, which can be helpful for large bills.
- Multi-Pet Discount: If you have multiple pets, look for insurers that offer a multi-pet discount.
- Routine Care Coverage: Consider a wellness plan to help with the costs of preventative care.
- Waiting Periods: Be aware of waiting periods, and consider plans with shorter waiting periods, or the option to waive them.
- Coverage for Vet Exam Fees: Look for policies that cover vet exam fees for accidents and illnesses.
Veterinary Costs in Indiana
While the average vet visit in Indiana costs around $45 for dogs, costs can increase with additional needs such as medication or surgery. Here’s a look at average vet visit costs in select Indiana cities:
Methodology
Forbes Advisor’s rating methodology considered:
- Pet insurance rates (40%)
- Special waiting periods (10%)
- Direct payment to vet (10%)
- 24/7 vet health line (10%)
- Routine wellness plans (10%)
- Pays veterinary exam fees (10%)
- Euthanasia or end-of-life expenses (5%)
- Multi-pet discount (5%)
Indiana Pet Insurance FAQs
Is pet insurance more expensive in Indiana?
Indiana has comparatively cheaper pet insurance costs on average than states like Georgia while pet owners in Arizona, California, and Connecticut will have to pay more.
What is the cheapest pet insurance in Indiana?
Pets Best offers the cheapest pet insurance for dogs in Indiana, with average costs of $28 per month for unlimited coverage; for cats, it is $16 per month for unlimited coverage.
Is pet insurance worth it in Indiana?
Pet insurance’s value can be determined, in part, by assessing how unexpected vet bills may affect your finances. Doing a cost-benefit analysis can help you determine value.
