Based on our survey of major pet insurance providers, pet insurance costs average $314 annually for cats and $579 for dogs in Nebraska, which is 9 to 10% cheaper than the national average. However, your dog's breed and age, along with your coverage choice, can make prices vary.
How Much Is Pet Insurance in Nebraska?
Updated: July 28, 2025
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Key Takeaways
In Nebraska, dog insurance averages $48 per month ($579 per year), while cat insurance averages $26 per month ($314 per year).
Compared to the national average, pet insurance costs in Nebraska are 9% lower for dogs and 10% lower for cats.
Find the best cheap pet insurance in Nebraska by researching providers, selecting appropriate coverage and comparing multiple quotes.
How Much Does Pet Insurance Cost in Nebraska?
| Cat | $26 | $314 |
| Dog | $48 | $579 |
*These accident-only coverage rates (which cover injuries but not illnesses) apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (7-year-old cat) and a Labrador Retriever (6-year-old dog). While we included most pet insurance providers, some don't have these offerings, which we excluded for consistency.
What Factors Affect Pet Insurance Costs in Nebraska?
Below are the key factors affecting pet insurance costs in Nebraska and how influential they are. Click each factor to see pricing details.
Coverage level
Your chosen coverage level has the biggest impact on pet insurance costs in Nebraska. Our baseline accident-only rates average $314 to $579 annually, while comprehensive accident and illness coverage ranges from $495 to $978 annually for standard parameters.
Pet type and breed
Your pet's type and breed are the second-biggest factors affecting your rates in Nebraska. Our research shows monthly costs range from about $44 to $208 for dogs and $48 to $66 for cats, depending on your pet's breed.
Pet age
Insurance costs increase as pets age because they become more susceptible to health issues and accidents. In Nebraska, annual premiums range from $205 for young pets to $2,014 for senior pets, assuming other factors remain constant.
Location
Where you live affects your rates because of local vet costs and regional risks. Nebraska pet insurance runs about $60 less for dogs and $33 less for cats compared to the national average. Cities within Nebraska don't vary much though.
Your vet
When you get quotes, insurers often ask about your vet. Different vets charge different prices, which affects how much claims cost and ultimately impacts your premiums.
Average Nebraska Pet Insurance Costs by Coverage
Your coverage choice has the biggest impact on what you'll pay. Nebraska monthly prices range from $26 to $82, depending on your pet type and coverage details.
The table below shows comprehensive accident and illness coverage rates. Individual rates may vary significantly based on your pet's specific health history, your chosen veterinarian and other factors.
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$500
| Cat | $41 | $495 | -10% |
| Dog | $82 | $978 | -9% |
Average Nebraska Pet Insurance Cost by Breed
Pet type and breed significantly impact your insurance costs, with monthly rates ranging from $44 to $208 across different breeds nationwide. Based on national data, your choice of pet and its specific breed can create price differences of more than $160 per month.
Average Pet Dog Insurance Costs in Nebraska
In Nebraska, your dog's breed significantly impacts pet insurance costs, with monthly rates ranging from $44 for small mixed breeds to $208 for Bull Mastiffs. Take a look at the complete breakdown of breed-specific insurance rates in the table below.
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Dog Breed:Affenpinscher
| Affenpinscher | $90 | $1,075 |
*These rates represent policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Pet Cat Insurance Costs in Nebraska
Monthly cat insurance rates in Nebraska range from $48 to $66, with your feline's breed determining where you'll fall in that price range. Here are the average costs for different cat breeds in the Cornhusker State:
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Cat Breed:Abyssinian
| Abyssinian | $66 | $788 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Nebraska Pet Insurance Cost by Age
A pet's age is the third most significant factor in determining insurance costs in Nebraska, with annual premiums ranging from $205 for young cats to $2,014 for senior dogs. The table below shows how insurance costs increase with your pet's age due to higher health risks.
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Pet Type:Cat
| Under 1 | $17 | $205 |
| 1 | $19 | $223 |
| 2 | $20 | $239 |
| 3 | $22 | $261 |
| 4 | $24 | $285 |
| 5 | $26 | $310 |
| 6 | $28 | $336 |
| 7 | $38 | $461 |
| 8 | $33 | $395 |
| 9 | $36 | $435 |
| 10 | $40 | $484 |
| 11 | $45 | $542 |
| 12 | $51 | $610 |
| 13 | $55 | $655 |
| 14 | $61 | $728 |
| 15 | $67 | $804 |
| 16 | $74 | $888 |
| 17 | $75 | $902 |
| 18 | $83 | $995 |
| 19 | $90 | $1,083 |
| 20 | $98 | $1,170 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (cat) and a Labrador Retriever (dog).
Average Nebraska Pet Insurance Cost by City
Your city barely affects pet insurance rates in Nebraska: just a few dollars difference per year. Below are costs for some of Nebraska's biggest cities.
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Pet Type:Cat
| Grand Island | $26 | $313 |
| Lincoln | $26 | $314 |
| Omaha | $26 | $315 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (cat) and a Labrador Retriever (dog).
How to Get the Best Cheap Pet Insurance in Nebraska
To help you find the best pet insurance for the lowest price, we've created a simple step-by-step guide below.
- 1
Assess Your Coverage Needs
Before buying pet insurance, find out how much coverage you need that's both pet and budget-friendly. Consider first how much you can afford, the common health and behavioral problems for your pet's breed, and vet costs for your primary veterinarian and area.
- 2
Research Cost Factors
Research average costs for your pet and coverage level so you'll know a good deal when you see one. Pet insurance doesn't offer as many discounts as other insurance, but look for multi-pet and bundling savings where available.
- 3
Evaluate Insurance Providers
Check customer opinions on forums to get the real story about different companies. Also look at coverage options, waiting periods, and claims processes to make sure you won't hit surprises when you need to file a claim.
- 4
Compare Multiple Quotes
Get quotes from several companies to make sure you're getting the best deal. Most insurers offer quick online quotes for dogs and cats, though you'll need to call if you have an exotic pet.
- 5
Review Policy Details
Carefully examine the fine print of policies you're considering, focusing on coverage limits, deductibles, and exclusions. Make sure you understand what conditions are covered, any breed-specific limitations, and how the reimbursement process works before making your final decision.
Average Pet Insurance Cost in Nebraska: Bottom Line
Nebraska offers cheaper pet insurance than most states. Expect to pay around $26 monthly for cats and $48 for dogs, though your actual costs depend on your pet's breed, age and coverage choice.
Want better rates? First, determine what coverage you actually need, then shop around. Get quotes from several insurers before you commit.
Pet Insurance Cost in Nebraska: FAQ
Find expert answers to common questions about pet insurance costs in Nebraska below:
How much does pet insurance cost in Nebraska?
Pet insurance costs an average of $48 per month for dogs in Nebraska, but depending on age, pricing ranges from $30 to $168 monthly. Cat insurance costs around $26 monthly in the state, but monthly pricing varies from $17 to $98 by age.
Is Nebraska pet insurance expensive?
Nebraska pet insurance is not expensive, ranking as a cheaper state to get pet insurance coverage for dogs and cats.
How should I go about buying pet insurance in Nebraska?
To buy pet insurance in Nebraska, decide on your coverage needs beforehand, research costs and discounts, look into company reputations and coverage details, and compare multiple quotes.
How We Determined Average Pet Insurance Costs in Nebraska
All costs in this article are based on or modified from the following profile:
- $5,000 annual limit
- 80% reimbursement
- $500 deductible
- For dogs: Labrador Retriever (6 years old)
- For cats: Ragdoll (7 years old)
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.