Lemonade is the best pet insurance company for cats in Indiana and ties with AKC for the best coverage for dogs. Other strong insurance options in the state include Spot, Pumpkin, Rainwalk and Pets Best.
Best Pet Insurance in Indiana
Updated: September 11, 2025
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Key Takeaways
AKC and Lemonade tie for offering the best pet insurance in Indiana, with plans starting at $8 per month. They offer a balance of competitive pricing and excellent customer service.
For the cheapest pet insurance in Indiana, Lemonade provides dog coverage at $47 monthly, while Pumpkin offers the lowest cat rates at $19.
Compare multiple pet insurance policies to find coverage that matches your pet's needs and your budget while considering both price and coverage benefits.
Best Pet Insurance Companies in Indiana
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| Lemonade | 4.50 | $47 |
| AKC | 4.50 | $55 |
| Rainwalk | 4.10 | $61 |
| Pets Best | 4.10 | $56 |
| ASPCA | 3.90 | $51 |
| Spot | 3.85 | $61 |
| Pumpkin | 3.75 | $57 |
Lemonade
Best Overall
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate for Dogs
$47Average Monthly Rate for Cats
$22Overall Reddit Sentiment
72% positiveMaximum Annual Limit
$100,000
Best Pet Insurance by Dog Breed
Overall, AKC dominates the best pet insurance rankings for most dog breeds in Indiana, while Lemonade and Pets Best win for select breeds. Below, you can review which companies are best for your dog in the state.
Data filtered by:
Affenpinscher
| AKC | 4.35 | $48 |
| Pets Best | 4.35 | $25 |
| Rainwalk | 4.3 | $43 |
| Lemonade | 4.25 | $29 |
| Spot | 4 | $43 |
Best Pet Insurance by Cat Breed
Our research shows AKC dominates the best pet insurance rankings for most cat breeds in Indiana, while Rainwalk stands out as an alternative option. Below, you can review which companies are best for your cat in the state.
Data filtered by:
Abyssinian
| AKC | 4.5 | $35 |
| Rainwalk | 4.45 | $32 |
| Lemonade | 4.35 | $23 |
| Pets Best | 4.3 | $30 |
| Spot | 4.2 | $28 |
Cheapest Pet Insurance in Indiana
In Indiana, Lemonade offers the cheapest pet insurance for dogs at $47 per month or $561 per year. For cats, Pumpkin provides the most affordable coverage at $19 monthly or $234 annually.
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| Lemonade | $47 | $561 | -27% |
| ASPCA | $51 | $612 | -20% |
| AKC | $55 | $659 | -14% |
| Pets Best | $56 | $682 | -11% |
| Pumpkin | $57 | $683 | -11% |
| Hartville | $58 | $695 | -9% |
| Met Life | $59 | $706 | -8% |
| Figo | $60 | $725 | -5% |
| Spot | $61 | $727 | -5% |
| Rainwalk | $61 | $736 | -4% |
| Liberty Mutual | $65 | $783 | 2% |
| Embrace | $79 | $950 | 24% |
| Fetch | $95 | $1,143 | 49% |
| Nationwide | $98 | $1,175 | 54% |
Cheapest Indiana Pet Insurance by Dog Breed
In Indiana, Lemonade, Pumpkin and Pets Best offer the most affordable pet insurance for dogs, with plans starting at $15 monthly.
Data filtered by:
Affenpinscher
| Pets Best | $25 | $304 | -48% |
| Lemonade | $29 | $343 | -41% |
| Pumpkin | $34 | $406 | -31% |
| ASPCA | $36 | $430 | -26% |
| Hartville | $41 | $492 | -16% |
Cheapest Indiana Pet Insurance by Cat Breed
In Indiana, Pets Best (13 wins), Lemonade (8 wins) and Pumpkin (8 wins) provide the most affordable coverage across cat breeds. Rates start at $14 per month for standard plans.
Data filtered by:
Abyssinian
| Lemonade | $23 | $274 | -53% |
| Hartville | $27 | $321 | -45% |
| Spot | $28 | $330 | -43% |
| Pets Best | $30 | $354 | -39% |
| Figo | $30 | $357 | -39% |
How Much Is Pet Insurance in Indiana?
Indiana pet insurance costs around $82 monthly for dogs and $41 for cats. Indiana pet owners pay less than most Americans, with dog insurance rates 9% below the national average and cat coverage 10% cheaper than typical U.S. rates.
Data filtered by:
$5,000
$500
80%
| Cat | $41 | $495 | -10% |
| Dog | $82 | $979 | -9% |
How to Get the Best Cheap Pet Insurance in Indiana
Finding the best cheap provider and coverage plan in Indiana can be difficult. Here's how to find the best pet insurance for your needs:
- 1Evaluate Your Pet's Coverage Needs First
Start by listing your pet's specific health risks and potential future medical needs. Talk with your vet about common health issues for your pet's breed to determine what coverage level makes sense.
- 2Look for Available Insurance Discounts
Check if you qualify for savings through a multi-pet plan or other discounts like annual payment options. Many insurers offer reduced rates for military members and spayed or neutered pets.
- 3Check Company Reviews and Coverage
Research insurance provider ratings and customer feedback specific to pet coverage. Focus on providers with strong track records of paying claims and offering comprehensive coverage options in Indiana.
- 4Get Multiple Insurance Quotes
Request quotes from at least three pet insurance providers using the same coverage details. This direct comparison helps ensure you get competitive rates for your situation.
- 5Review Your Policy Annually
Set a yearly reminder to check for better rates and coverage options. Pet insurance costs often increase as pets age, so shopping around each year can lead to significant savings.
Best Pet Insurance in Indiana: Bottom Line
Lemonade is our top pick for pet insurance in Indiana, with Pumpkin offering the most affordable coverage for cat owners. While these providers stand out in our analysis, the right choice depends on your pet's needs and your budget. Take time to compare different plans before making your decision.
Pet Insurance in Indiana: FAQ
Here are answers to frequently asked questions about Indiana pet insurance:
What are the best pet insurance companies in Indiana?
Based on our analysis, the leading pet insurance providers in Indiana include Lemonade, AKC, Spot, Pumpkin and Pets Best. These companies offer comprehensive coverage for your furry family members.
Which company has the cheapest pet insurance in Indiana?
Pumpkin, Hartville, Lemonade and ASPCA offer the most affordable pet insurance in Indiana. Monthly premiums start at $47 for dogs and $19 for cats.
How much is pet insurance in Indiana?
In Indiana, pet insurance costs $495 annually for cats and $979 for dogs. Depending on coverage options and pet factors, annual premiums across the state can range from $61 to $12,091.
What is the best way to find the right pet insurance provider?
Start by determining your pet's specific coverage needs based on age, breed and health history. Research multiple providers' reputations through customer reviews and industry ratings. Compare policy details, coverage limits and deductibles from at least three companies. Get quotes from top-rated insurers to find competitive rates that match your requirements.
How We Found the Best and Cheapest Pet Insurance in Indiana
We researched all 20 major pet insurance providers in the United States, compared their policies and gathered quotes for Indiana residents. Here's the standard profile we used for our comparisons:
- $5,000 annual limit
- 80% reimbursement
- $500 deductible
- 6-year-old Labrador Retriever if dog
- 7-year-old Ragdoll if cat
Our Company Rating System
To ensure our ratings are accurate to pet and pet owner's needs, we simplified our rating mechanism for easy understanding and comprehensive inclusion of all available information:
- Affordability (50% of score): We used proprietary quote data for all combinations of coverage, pet ages, and breeds owned in the U.S. to compare affordability scores for all providers. We also considered discounts and how each company calculates them into your premium.
- Customer experience (30% of score): Using customer ratings we scoured across the internet, industry scores from reliable agencies like AM Best, and Reddit comment sentiment for companies to get this score.
- Coverage options (20% of score): We considered all terms, add-ons and inclusions when determining this score. We also gauged these coverage restrictions and inclusions against the most commonly needed pet medical-related costs to assess their usefulness.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Trustpilot. "Lemonade Reviews." Accessed November 4, 2025.