Pet Insurance in Alaska: Compare the Best Pet Insurance Companies and Most Affordable Quotes

Are you looking for pet insurance in Alaska? MoneyGeek analyzed policy details, coverage options, and thousands of quotes to help you find the best pet insurance company in Alaska with affordable rates.

Last Updated: 3/13/2022
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With the best pet insurance in Alaska, you provide your pet with emergency care if it’s ill or injured without having to worry about covering the cost of expensive veterinary care. Usually, a pet insurance plan covers unexpected injuries, illnesses, surgeries, prescription medicine, tests/diagnostics and emergency exam fees. Pet insurance could also include preventive care.

In this guide, MoneyGeek researched the best pet insurance companies in Alaska and gathered quotes in different cities, including Anchorage, Fairbanks and Juneau, to help you understand the cost of pet insurance in the state and find a policy that fits your pet’s needs.

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The Best Pet Insurance Companies in Alaska

MoneyGeek determined the best pet insurance company by analyzing thousands of pet insurance quotes in Alaska across many different providers in the state. We also documented policy and coverage details for companies offering pet insurance policies in Alaska and chose the best provider based on affordability and insurance offerings. However, since the cost of a pet insurance policy depends on your pet's age, breed and medical history, it’s best to compare rates of different insurers to find the best deal.

Best Overall Pet Insurance in Alaska for Your Pet

Pets Best

pros

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Two wellness add-ons

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No upper age limit for enrollment

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Offers convenient online tools

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Few annual limit options

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Does not cover end-of-life expenses

COMPANY HIGHLIGHTS

MoneyGeek’s research shows that Pets Best is the overall best pet insurance company in Alaska. The company offers customizable pet insurance plans, which means you can select the annual deductible, annual benefit limit and reimbursement amount. On average, it costs $25.84 per month for a policy with Pets Best.

With pet insurance from Pets Best, you can add two wellness options — called EssentialWellness and BestWellness — to your policy. These wellness add-ons cover a variety of routine care treatments. The company also does not have any upper age limit for enrollment — you can buy a policy for a senior cat or dog.

The annual benefit limit of Pets Best is $5,000 or unlimited, while its deductibles range from $50 to $1,000. A pet insurance policy from the company usually covers accidents, illnesses, emergency care, chronic, hereditary and congenital conditions.

Best Pet Insurance Company in Alaska: Unlimited Coverage

Pets Best

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24/7 pet telehealth helpline

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Multiple discounts available

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Offers direct vet reimbursement

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Only Elite plan includes rehabilitation coverage

COMPANY HIGHLIGHTS

MoneyGeek found that Pets Best is the top option for people looking for a pet insurance policy in Alaska with unlimited coverage. The company offers two annual limit options — a $5,000 limit or unlimited coverage. On average, an unlimited coverage policy with Pets Best costs $31.18 per month.

With an unlimited coverage plan, there is no annual limit of how much you can be reimbursed, which means you won’t have to decide on euthanizing your pet if you get a hefty quote from the veterinarian clinic. Usually, this plan covers accidents, illnesses, hospitalizations, surgeries, emergency care, exam fees, diagnostics, hereditary and congenital conditions, and much more. You can also add routine care options to your policy for an additional cost, which cover blood work, vaccines, microchipping, deworming medications, spaying/neutering, and more. The unlimited coverage plan does not cover pre-existing conditions.

Best Pet Insurance Company in Alaska: Affordable Coverage

Pet Plan

pros

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Customizable insurance plans

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No network limitations

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Covers virtual vet visits

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Does not offer a multi-pet discount

COMPANY HIGHLIGHTS

MoneyGeek researched affordable pet insurance in Alaska for people looking for cheap pet insurance and found that Petplan offers the most affordable pet insurance policy in the state. On average, it costs $20.16 per month to buy a policy from Petplan in Alaska.

Petplan allows you to customize your pet insurance policy according to your budget and set your annual limit, deductible and percentage of reimbursement. A policy from Petplan covers all of your unexpected veterinarian expenses. However, it does not cover routine and wellness care expenses and does not provide coverage for pre-existing conditions and preventive care coverage. Since the company does not offer a discount for multiple pets, it may not be the best option for you if you have more than one pet.

Because of the COVID-19 pandemic, Petplan now offers coverage for virtual vet visits up to $1,000.

Best Pet Insurance Company in Alaska: Multiple Pets

Pets Best

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Offers routine wellness plans

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Range of deductible choices

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Direct vet reimbursement is available

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Only two annual limit options

COMPANY HIGHLIGHTS

If you own multiple pets in Alaska and are looking for a pet insurance policy, Pets Best is the best choice for you. The company offers a 5% discount on insuring more than one pet. On average, it costs $23.25 per month for a pet insurance policy with Pets Best.

The Pets Best pet insurance policy in Alaska usually covers accidents, illnesses, cancer, prescription medicine, surgeries, emergency care and hereditary conditions. However, coverage is not available for pre-existing conditions. The company also offers routine wellness care coverage for an additional cost. The deductible can range from $50 to $1,000, and there are two annual limit options — a $5,000 limit or unlimited coverage.

In addition to multi-pet discounts, the company offers a 10% discount for enrolling a pet in a policy 24 hours after a veterinary exam and a 5% discount when adopting a pet.

Best Pet Insurance Company in Alaska: Cats

Embrace

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Offers plans that cover almost every type of veterinary care

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Offers accident-only coverage plans

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Offers many different discounts

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Pets aged 15 years or older are only eligible for accident-only coverage

COMPANY HIGHLIGHTS

MoneyGeek researched the best pet insurance companies in Alaska for cat owners and found that Embrace is a good option for them. On average, it costs $13.51 per month to buy a cat insurance policy from Embrace.

Embrace offers two types of pet insurance plans — an accident-only plan and an accident and illness plan. The company does not have a lifetime limit on its plans; however, it does have an annual limit of $30,000 and a deductible that depends on your coverage limits. For every year you don’t file a claim, Embrace reduces your deductible.

The company also offers wellness plans that cover the cost of grooming, vaccinations, neutering, spaying, and much more. It also offers discounts on insuring multiple pets.

Embrace cat insurance plans in Alaska do not cover pre-existing conditions. However, the company offers a free medical history review of your cat after you sign up to let you know any potential pre-existing conditions where coverage does not apply.

Best Pets Insurance in Alaska Ranking Summary

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  • Ranking
    Winner
    Avg. Monthly Cost
  • Overall
    Pets Best
    $26
  • Unlimited Coverage
    Pets Best
    $31
  • Affordable Coverage
    Pet Plan
    $20
  • Multiple Pets
    Pets Best
    $23
  • Cats
    Embrace
    $14

What Is the Average Cost of Pet Insurance Cost for Dogs and Cats in Alaska?

The cost of pet insurance in Alaska varies; it depends on your location, policy coverage and deductible, your pet's breed and its age. On average, in Alaska, it costs $27.20 per month to insure a dog with a $5,000 yearly coverage limit, $48.37 per month for a $10,000 annual coverage limit, and $50.47 per month for an unlimited coverage policy. If you’re looking to insure a cat in Alaska, a policy with a $5,000 annual coverage limit costs an average of $14.88 per month, while a $10,000 annual coverage limit policy costs an average of $24.35 per month, and an unlimited coverage policy has an average cost of $34.64 per month.

Average Monthly Cost of Pet Insurance in Alaska

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  • Pet Insurance Policy
    $5k Coverage
    $10k Coverage
    Unlimited
  • Average Cost for a Dog
    $27
    $48
    $50
  • Average Cost for a Cat
    $15
    $24
    $35
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HOW MUCH PET INSURANCE DO YOU NEED IN ALASKA?

For the average pet owner in Alaska, MoneyGeek recommends buying a pet insurance policy with an $8,000 to $20,000 annual coverage limit and a reimbursement rate of 80% or more. Having a policy with this coverage limit helps guarantee that your pet gets high-quality medical care in case of an emergency, and you don’t have to worry about veterinary expenses.

Compare the Cheapest Pet Insurance Quotes in Alaska

MoneyGeek’s research shows that pet insurance companies in Alaska typically offer the following options in their policies:

  • Annual reimbursement limits: Ranges from $3,000 to unlimited
  • Deductible: $250 to $500, but some companies have higher or lower options
  • Bill reimbursement percentage: 70-90%

Some pet owners in Alaska want a less expensive policy with lower coverage amounts to manage their monthly expenses easily or because they don’t feel like they need as much insurance coverage. But there are Alaskan pet owners who want a policy with high coverage limits to ensure maximum protection for their pet. Generally, an unlimited pet insurance policy is more expensive, and while the average pet owner may not need unlimited protection, it provides the most protection for a pet. MoneyGeek recommends the average coverage amount below for pet insurance shoppers in Alaska.

Cheapest Pet Insurance in Alaska by Coverage Level

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  • Maximum Policy Coverage
    Winner: Cheapest Policy
    Avg Cost
  • $5,000
    Pet Plan
    $20
  • $10,000
    GEICO
    $34
  • Unlimited
    Pets Best
    $31

Pet owners who want to keep their costs low can benefit the most from a plan with a high deductible and a low annual maximum and reimbursement percentage. In the table below, MoneyGeek found the average cost of pet insurance in Alaska with a $5,000 annual maximum, $500 deductible and 80% reimbursement.

Cheapest Low Coverage: $5k Annual Maximum / 80% / $500 Deductible

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  • Pet Insurance Company
    Low Coverage Monthly Cost
  • Pet Plan
    $20
  • Pets Best
    $20
  • GEICO
    $24
  • Embrace
    $24
  • Figo
    $25
  • ASPCA
    $28
  • Spot
    $28
  • Hartville
    $35
Cheapest Average Coverage: $10k Annual Maximum / 80% / $250 Deductible

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  • Pet Insurance Company
    Average Coverage Monthly Cost
  • GEICO
    $34
  • Embrace
    $34
  • Figo
    $37
  • 24 Pet Watch
    $50
  • ASPCA
    $54
  • Hartville
    $54
  • Spot
    $54
  • Nationwide
    $56
  • Pumpkin
    $63
Cheapest Unlimited Coverage: Unlimited Maximum / 90% / $250 Deductible

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  • Pet Insurance Company
    Unlimited Coverage Monthly Cost
  • Pets Best
    $31
  • Trupanion
    $32
  • Healthy Paws
    $45
  • Figo
    $48
  • Pet Plan
    $61
  • Spot
    $86

The Best Cheap Pet Insurance by City in Alaska

Depending on your location in Alaska, the cost of a pet insurance policy varies. Some cities in Alaska have a higher cost of living, so it costs more for veterinary medical procedures, which causes pet insurance to be more expensive there. In other cities, the risk of your pet getting into an accident may be higher due to the weather, traffic or other hazards, which can raise your insurance premium. The cost of pet insurance in Alaska also depends on the type and level of coverage you select.

Best Cheap Pet Insurance Companies by City
  • City
    Coverage Level and Average Monthly Rate
  • Anchorage
    $5k: Pet Plan, $20
    Unlimited: Pets Best, $31
    $10k: Embrace, $34
  • Fairbanks
    $5k: Pets Best, $18
    Unlimited: Pets Best, $31
    $10k: Embrace, $34
  • Juneau
    $5k: Pets Best, $18
    Unlimited: Pets Best, $31
    $10k: Embrace, $34

MoneyGeek used city-based data in Alaska by gathering quotes for $10k coverage, 80% reimbursement, and $250 deductible for a 1-year-old Goldendoodle.

What Factors Impact Pet Insurance Cost in Alaska?

In Alaska, pet insurance costs vary depending on a variety of factors like the age of the pet, breed, location (city), coverage limits, deductible, and much more. Many companies allow you to customize your pet policy, which determines the final price you pay per month or year.

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    Annual reimbursement limits

    This refers to the maximum reimbursable amount over a 12-month policy period. If you choose a lower annual reimbursement limit, your policy costs are also going to be lower.

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    Deductible

    The deductible refers to the cost you have to cover before the reimbursement starts. It has a significant impact on your insurance premium. With a low deductible, you pay a higher premium.

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    Bill reimbursement percentage

    The bill reimbursement percentage is the percentage of vet’s bills that the insurance company pays you back. For example, if your policy has a 90% reimbursement rate and you receive a bill for $2,000, you pay $200 to the vet (10%).

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    Breed

    Since some breeds of cats and dogs are known to have more health problems than others, insurance companies consider that factor when giving you a quote.

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    Animal age

    As your pet ages, the probability of them developing a health problem increases. That’s why insurance policies for a senior pet cost more.

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    Location

    The cost of a pet insurance policy in Alaska varies depending on your location because of the higher cost of living or because the pet may be at a higher risk of injury due to high accident rates, weather or other hazards.

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    Multi-pet discounts

    Some pet insurance companies offer you a discount when insuring more than one pet on the same policy.

FAQ’s About Pet Insurance in Alaska

MoneyGeek's Rating Methodology for Pet Insurance

MoneyGeek believes that data helps us make better financial decisions. For pet insurance, our data team spent countless hours gathering thousands of pet insurance quotes across the 13 largest providers to ensure you find the most affordable policy to meet your pet’s needs.

To determine the best pet insurance companies in Alaska, MoneyGeek built a detailed rating system by analyzing each company’s product offerings and costs. For the MoneyGeek rating score, we weighted affordability by coverage level at 50% of the total score and weighted our 24 qualitative research policy option data points at 50%.

To determine the cheapest pet insurance companies in Alaska and affordability scores for our best rankings, MoneyGeek gathered quotes, by company, across many zip codes in Alaska for four pet types with the following coverage levels:

  • Low coverage: $5,000 coverage, $500 deductible, 80% reimbursement
  • Average coverage: $10,000 coverage, $250 deductible, 80% reimbursement
  • High coverage: Unlimited coverage, $250 deductible, 90% reimbursement

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.