Based on our analysis, Pets Best, Embrace, and Figo are among the best pet insurance companies in Wisconsin. The average cost for pet insurance in Wisconsin is approximately $73 per month for dogs and $35 per month for cats.
Key Takeaways
- Pets Best, Embrace and Figo are among the best pet insurance companies in Wisconsin, according to our analysis.
- The average pet insurance cost for dogs in Wisconsin is $73 per month.
- For cats, the average cost is $35 per month.
Compare the Best Pet Insurance Companies in Wisconsin
Rates are based on plans with unlimited annual coverage, a $250 deductible and 80% reimbursement, or the closest option available.
Pets Best
- Forbes Advisor Rating: 5.0
- Maximum annual coverage: $5,000 or Unlimited
- Average monthly cost for Unlimited coverage: $39 for dogs; $22 for cats
- Deductible Choices: $50, $100, $200, $250, $500 or $1,000
Our Expert Take: Pets Best has low average rates and solid basic coverage. They can also pay a vet directly if they agree.
Pros & Cons
Pros:
- Access to a 24/7 pet telehealth line.
- Covers all the basics like X-rays, surgery, prescriptions, and chronic conditions.
- Covers the vet exam fee and dental illnesses.
Cons:
- 6-month waiting period before coverage of cruciate ligament issues.
- The Plus plan, which we rate here, does not cover alternative therapies, but the Elite plan will cover acupuncture and chiropractic care if your dog or cat needs rehabilitation.
Embrace
- Forbes Advisor Rating: 4.3
- Maximum annual coverage: $5,000, $8,000, $10,000, $15,000 or Unlimited
- Average monthly cost for Unlimited coverage: $69 for dogs; $29 for cats
- Deductible choices: $100, $250, $500, $750 or $1,000
Our Expert Take: Make sure to consider Embrace because of its wide range of coverage.
Pros & Cons
Pros:
- Coverage includes stem cell treatment, behavioral therapy, alternative therapy and dental illnesses.
- Vet exam fees covered.
- 24/7 pet telehealth line included.
- Optional wellness plan available.
- Embrace’s Healthy Pet Discount Program will reduce your deductible when you don’t make claims.
Cons:
- Embrace has a waiting period of 6 months for coverage of orthopedic conditions. This can be waived after an orthopedic exam after you purchase a policy.
Figo
- Forbes Advisor Rating: 4.2
- Maximum annual coverage: $5,000, $10,000 or Unlimited
- Average monthly cost for Unlimited coverage: $52 for dogs; $22 for cats
- Deductible choices: $100, $250, $500, $750, $1,000 or $1,500
Our Expert Take: We like Figo for highlights such as its 100% reimbursement option and coverage for dental accidents and illnesses.
Pros & Cons
Pros:
- Has coverage for alternative therapies such as acupuncture.
- Optional wellness plan sold.
- 24/7 pet telehealth line included.
Cons:
- You’ll need to pay extra if you want coverage for basic vet exam fees. Many top competitors include this without an extra charge.
- 6-month waiting period for orthopedic problems (but this can be waived if a vet signs an orthopedic condition waiver within 30 days).
ManyPets
- Forbes Advisor Rating: 4.0
- Maximum annual coverage: Unlimited
- Average monthly cost for Unlimited coverage: $56 for dogs; $34 for cats
- Deductible choices: $500 or $750
Our Expert Take: One reason we like ManyPets is because the waiting period for coverage is 15 days but can be reduced to only 24 hours if you switch over from another insurer.
Pros & Cons
Pros:
- Also offers a wellness plan.
- Covers vet exam fees and end-of-life expenses such as cremation.
Cons:
- No 90% reimbursement option unlike most other pet insurers.
- Does not cover pet behavioral therapy, unlike many others.
- Lacks a 24/7 pet telehealth line.
AKC
- Forbes Advisor Rating: 4.0
- Maximum annual coverage: $2,500, $5,000, $7,500, $10,000, $15,000 or Unlimited
- Average monthly cost for Unlimited coverage: $55 for dogs; $29 for cats
- Deductible choices: $100, $250, $300, $400, $500, $600, $750 or $1,000
Our Expert Take: AKC has a great variety of annual coverage options and deductibles, which means you can adjust coverage levels to fit your budget.
Pros & Cons
Pros:
- No coverage for stem cell treatment, prescription food or microchipping.
- Has coverage for pre-existing conditions after a 12-month waiting period.
- 24/7 pet healthline and 5% multi-pet discount.
Cons:
- Cannot pay the vet directly.
- 14-day accident waiting period vs. some competitors that have only a 1- or 2-day waiting period.
Spot
- Forbes Advisor Rating: 4.0
- Maximum annual coverage: $2, 500, $3, 000, $4, 000, $5, 000, $7, 000, $10, and 000 or Unlimited
- Average monthly cost for Unlimited coverage: $95 for dogs; $46 for cats
- Deductible choices: $100, $250, $500, $750 or $1, 000
Our Expert Take: Spot has an excellent selection of annual coverage choices and deductible options, plus a 10% discount for insuring more than one cat or dog.
Pros & Cons
Pros:
- Includes coverage for behavioral and alternative therapies.
- Covers stem cell treatments, which can be used to reduce pet pain like dog arthritis.
- No special waiting periods for conditions like cruciate ligament problems.
- Has a 24/7 pet telehealth line.
Cons:
- Can be on the high side of cost but you’re also getting robust coverage.
How Much Does Pet Insurance Cost in Wisconsin?
Pet insurance in Wisconsin averages $49 per month for dogs and $25 per month for cats, based on our analysis of pet insurance costs. This reflects a policy with $5,000 annual coverage, a $250 deductible, and an 80% reimbursement level. With unlimited annual coverage, the cost averages $73 per month for dogs and $35 per month for cats, with a $250 deductible and 80% reimbursement.
How To Find the Best Pet Insurance in Wisconsin
When comparing pet insurance options, consider the following:
- 24/7 Vet Helpline: Look for insurers that provide 24/7 vet helplines for addressing pet health concerns.
- Direct Vet Payments: Some insurers, like Pets Best and Trupanion, can pay the vet directly.
- Multi-Pet Discounts: If you own multiple pets, inquire about a multi-pet discount.
- Wellness or Routine Care Policy: Consider insurers offering wellness plans to help with preventive care costs.
- Waiting Periods: Understand the waiting periods before coverage starts, and if there are extended waiting periods for specific conditions.
- Coverage of Vet Exam Fees: Ensure the policy covers exam fees for accidents or illnesses.
Veterinary Costs in Wisconsin
While the average vet visit costs $49 for dogs in Wisconsin, costs can be higher depending on your pet’s needs, such as dental care or surgery. Here is a look at vet visit costs in different cities in Wisconsin.
