Best Pet Insurance Companies in Indiana
Choosing the right pet insurance can be a crucial decision for pet owners. Considering factors like cost, coverage, and the ability to pay the vet directly can help narrow down the search for the best pet insurance policy.
Here’s a look at some of the top-rated pet insurance companies in Indiana:
Pets Best
- Our Rating: 5.0
- Monthly average cost for dogs: $28
- Special waiting period: 6 months for cruciate ligament conditions
- Can pay the vet directly?: Yes
Embrace
- Our Rating: 4.5
- Monthly average cost for dogs: $50
- Special waiting period: 6 months for orthopedic conditions, which may be waived with a pre-policy orthopedic exam.
- Can pay the vet directly?: No
ManyPets
- Our Rating: 4.0
- Monthly average cost for dogs: $45
- Special waiting period: None.
- Can pay the vet directly?: No
Figo
- Our Rating: 4.0
- Monthly average cost for dogs: $53
- Special waiting period: 6 months for orthopedic conditions, which may be waived with a pre-policy orthopedic exam.
- Can pay the vet directly?: No
AKC
- Our 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
Pets Best is one of the top choices.
How Much Does Pet Insurance Cost in Indiana?
Pet insurance costs in Indiana vary based on the plan and the type of pet.
- The average cost for a dog is $67 per month for a plan with unlimited annual coverage.
- For cat owners, the average cost is $31 per month for unlimited annual coverage.
When considering these costs, it’s important to think about the coverage levels and deductibles.
How to Find the Best Pet Insurance in Indiana
Here’s how to find the best pet insurance in Indiana:
- Free 24/7 Vet Helpline: Look for plans that offer this feature for immediate guidance.
- Direct Vet Payments: Some providers, such as Pets Best, can pay the vet directly. This is helpful in managing large vet bills.
- Multi-Pet Discounts: This can save money for pet parents with multiple dogs or cats.
- Routine Care Coverage: Including wellness plans in your policy can cover costs for regular checkups.
- Waiting Periods: Evaluate the waiting periods for specific conditions, such as hip dysplasia.
- Vet Exam Fees: Not all policies cover these fees. Look for policies that provide this coverage.
Veterinary Costs in Indiana
The cost of veterinary visits in Indiana varies by city.
Here are some average costs for a vet visit for one dog:
- Carmel: $65
- Evansville: $62
- Fort Wayne: $62
- South Bend: $62
- Zionsville: $65
For more complex procedures or additional services, costs will naturally increase.
Methodology
The rankings given in the article were calculated using factors with the following weight:
- Pet insurance rates: 40%
- Special waiting period: 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 generally offers cheaper pet insurance rates compared to states like Georgia and Arizona.
- What is the cheapest pet insurance in Indiana? In analysis of the available data, Pets Best offers some of the lowest average insurance prices. For dogs, the average is $28 per month for unlimited coverage. For cats, it’s about $16 per month.
- Is pet insurance worth it in Indiana? The value of pet insurance depends on individual financial situations and potential vet expenses. Weigh the monthly premiums against the cost of possible treatments. For example, if a pet owner pays $50 per month for three years, they’ve paid $1,800 in premiums. If the dog develops a condition that costs $3,500 to treat, the out-of-pocket cost could be much lower with a pet insurance policy.
