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

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

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Last Updated: 3/13/2022
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Getting the best pet insurance in Indiana is how you can make sure that you can afford medical treatments and veterinary care that your pet needs. Unexpected veterinary bills can quickly decimate your savings; pet insurance can prevent that from happening.

MoneyGeek gathered data from Indiana’s top cities, including Evansville, Fort Wayne and Indianapolis, to find the average cost of pet insurance across the state. We hope to help you find the best pet insurance companies in Indiana that offer the cheapest rates together with a comprehensive list of benefits providing the best coverage for your pet.

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The Best Pet Insurance Companies in Indiana

Choosing a pet insurance policy that best matches your budget and your pet’s needs can be somewhat overwhelming. MoneyGeek helps you find the best pet insurance in Indiana for you by analyzing hundreds of quotes and documenting each policy and coverage details. Since the cost of pet insurance in Indiana can vary based on your pet’s breed, age, medical history, as well as your preferred coverage details, we also look at how you can customize these policies to fit your requirements.

Best Overall Pet Insurance in Indiana for Your Pet

Pets Best

pros

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Customizable plans

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Low annual deductible options

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24/7 pet helpline

cons

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Only two annual limit options

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The number of plan options can be confusing

COMPANY HIGHLIGHTS

MoneyGeek’s top pick for the best pet insurance in Indiana is Pets Best. The average cost to insure a pet in Indiana with Pets Best is $20.46 per month.

Pets Best has flexible plans that allow you to work within your budget and purchase only the coverage you need for your pet. Annual coverage limits are your choice of either $5,000 or unlimited. Take note that most other providers offer more options. The range of deductibles is much broader, from $50 to $1,000.

In addition to its accident and illness plans, Pets Best offers wellness coverage for routine care and specialized coverage plans. Coverage included with its accident and illness plans include accidents such as broken bones, illnesses such as urinary tract infections, cancer treatments, and ongoing and chronic conditions.

You’ll need to opt for additional plans to obtain limited coverage for vaccines and preventive care. You can also exclude coverage for exam fees, chiropractic treatment and prescription medication if you don’t think you’ll need them. While this might seem a bit confusing, customizing your pet’s insurance plan can lead to lower costs.

Pets Best customers can talk with veterinary experts 24/7 for any pet health questions you may have. This can be useful in case your pet needs urgent care, or if you suddenly noticed unusual behavior in your pet.

Best Pet Insurance Company in Indiana: Unlimited Coverage

Pets Best

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Offers an unlimited maximum annual option

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Most plans cover a wide range of prescription medications

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Covers chronic conditions

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Premiums increase over time as the pet ages

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Does not cover herbal, holistic or experimental therapies and medications

COMPANY HIGHLIGHTS

On average, a policy from Pets Best with unlimited coverage costs $25.88 per month. Having an unlimited annual maximum lets you focus on taking care of your pet rather than worrying about how much treatment you can afford.

The accident and illness plans cover broken bones, poisoning, or foreign object injection. Pets Best covers chronic conditions like diabetes, cancer and liver disease, as well as prescription medications to treat those conditions. Remember that you can lower your premiums by opting out of some of these benefits.

As with most pet insurance companies, Pets Best premiums increase as your pet ages; however, there are no upper age limits for pets, and the insurer does not reduce or cancel coverage based on your pet’s age.

Best Pet Insurance Company in Indiana: Affordable Coverage

Pets Best

pros

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Economical accident-only plan

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Covers behavioral consults and medication

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Processes most claims within a few days

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Does not cover food for special diet or vitamins and supplements

COMPANY HIGHLIGHTS

The best pet insurance company in Indiana for affordable coverage is Pets Best. It costs on average $15.03 per month to insure a pet with a $5,000 annual coverage limit.

The basic plan already covers common accidents and illness costs as well as lab tests, MRIs, CAT scans, X-rays and other diagnostic procedures. It also covers treatment of hereditary and congenital conditions, emergency care, hospitalization and surgery.

The company’s most affordable plan is its accident-only coverage. While your pet is not covered for medical issues, such as illnesses, it covers accidents, like broken legs, snake bites, accidental swallowing, and more. The accident-only plan is ideal for those on a limited budget as it costs $9 per month for dogs and $6 per month for cats, for all ages and breeds.

Best Pet Insurance Company in Indiana: Multiple Pets

Pets Best

pros

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5% multi-pet discount

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No upper age limit

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Covers euthanasia for humane reasons

cons

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Does not cover parasite testing, treatment and prevention

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Does not cover elective procedures such as anal gland expression and dewclaw removal

COMPANY HIGHLIGHTS

Pets Best is the best pet insurance company in Indiana for multiple pets. It offers a 5% multi-pet discount if you enroll more than one pet. A multi-pet policy from the insurer costs $18.41 per month on average.

Pets Best will insure pets at any age over seven weeks. Remember that as your pet ages, your premium will likely rise, because conditions such as cancer, heart disease and kidney failure, become more common in older animals. While Pets Best doesn't cover end-of-life expenses like cremation or burial, the insurer does cover euthanasia.

Waiting periods are waived for continuous, uninterrupted policy renewals. When you first enroll, however, the amount of time you must wait before your pet is eligible for coverage is three days for accidents and 14 days for illnesses.

Best Pet Insurance Company in Indiana: Cats

Embrace

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Covers specialist care and diagnostic testing

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Covers your pet for life

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Re-evaluates curable pre-existing conditions

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New policies for pets 15 and older are accident-only, not illness

COMPANY HIGHLIGHTS

Pet insurance for cats is cheaper than for dogs. The best pet insurance company in Indiana for cats is Embrace. The average cost of a policy for your cat from Embrace is $13.83 per month.

Embrace provides comprehensive insurance for your cat. This includes breed-specific, genetic, and congenital conditions, cancer treatment, complementary treatments like chiropractic care and acupuncture. The multi-pet discount is 10%, and behavioral therapy and training are covered, as is $1,000 in dental care for extractions, gingivitis, root canals and more, with no dental exam required.

Unlimited annual coverage is not an option with Embrace, although the highest yearly cap is $30,000. Still, some pet owners may not feel financially protected at that level of coverage and may opt to find an insurer that does offer unlimited coverage.

Best Pets Insurance in Indiana Ranking Summary

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  • Ranking
    Winner
    Avg. Monthly Cost
  • Overall
    Pets Best
    $20
  • Unlimited Coverage
    Pets Best
    $26
  • Affordable Coverage
    Pets Best
    $15
  • Multiple Pets
    Pets Best
    $18
  • Cats
    Embrace
    $14

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

Pet insurance quotes in Indiana are calculated based mainly on the annual coverage limit you select and your pet’s breed and age. The average cost of pet insurance for a dog in Indiana is $24.10 per month for a $5,000 annual coverage limit, $45.52 per month for a $10,000 annual coverage limit and $45.30 per month for unlimited annual coverage. Cats are typically cheaper to insure, at an average cost of $13.20 per month for a $5,000 annual coverage limit, $22.63 per month for a $10,000 annual coverage limit and $31.62 per month for unlimited annual coverage.

Your choice of deductible and reimbursement percentage plus any add-ons to your policy will also affect your premium. That’s why these averages may be lower or higher. The only way to know your exact rate is by getting a personalized quote.

Average Monthly Cost of Pet Insurance in Indiana

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  • Pet Insurance Policy
    $5k Coverage
    $10k Coverage
    Unlimited
  • Average Cost for a Dog
    $24
    $46
    $45
  • Average Cost for a Cat
    $13
    $23
    $32
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HOW MUCH PET INSURANCE DO YOU NEED IN INDIANA?

For the average pet insurance buyer in Indiana, we recommend an annual coverage limit of between $5,000 to $10,000 with an 80% or higher reimbursement rate. With these amounts, you can typically cover any unexpected medical costs within the policy year at premiums that work with your budget.

Compare the Cheapest Pet Insurance Quotes in Indiana

MoneyGeek's objective is to inform pet owners in Indiana about the standard pet insurance options available in the state:

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

Some pet owners in Indiana will look for less expensive policies with lower coverage amounts. This may be because it’ll help them manage their monthly expenses better or because they don’t think they’ll need that much insurance coverage. Others prefer high coverage limits to ensure maximum protection for their pet. These policies are more expensive (and the average pet owner may not need unlimited protection), but they do offer maximum financial protection for you if your pet is in an accident or becomes ill.

Cheapest Pet Insurance in Indiana by Coverage Level

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  • Maximum Policy Coverage
    Winner: Cheapest Policy
    Avg Cost
  • $5,000
    Pets Best
    $15
  • $10,000
    GEICO
    $35
  • Unlimited
    Pets Best
    $26

Choosing a low annual maximum, high deductible and low reimbursement percentage will give you the cheapest pet insurance in Indiana with the lowest monthly premiums. The table below shows you how the rates change if you increase your coverage limits, lower your deductibles or increase your reimbursement rates.

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

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  • Pet Insurance Company
    Low Coverage Monthly Cost
  • Pets Best
    $15
  • Pet Plan
    $20
  • ASPCA
    $24
  • Spot
    $24
  • Hartville
    $24
  • Figo
    $24
  • GEICO
    $25
  • Embrace
    $25
  • 24 Pet Watch
    $37
Cheapest Average Coverage: $10k Annual Maximum / 80% / $250 Deductible

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  • Pet Insurance Company
    Average Coverage Monthly Cost
  • GEICO
    $35
  • Embrace
    $35
  • Figo
    $37
  • ASPCA
    $44
  • Hartville
    $44
  • Spot
    $44
  • 24 Pet Watch
    $49
  • Pumpkin
    $52
  • Nationwide
    $68
Cheapest Unlimited Coverage: Unlimited Maximum / 90% / $250 Deductible

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  • Pet Insurance Company
    Unlimited Coverage Monthly Cost
  • Pets Best
    $26
  • Healthy Paws
    $38
  • Trupanion
    $43
  • Pet Plan
    $44
  • Figo
    $50
  • Spot
    $71

The Best Cheap Pet Insurance by City in Indiana

Where you live can have an impact on your yearly pet insurance premiums. If you’re in a city with a high cost of living, you can expect to pay higher pet insurance premiums than some other zip codes. This is because veterinary care will cost more, and insurance rates will reflect those higher costs. Congested cities have a higher risk of pet injury, as do areas known for impactful weather events.

Best Cheap Pet Insurance Companies by City
  • City
    Coverage Level and Average Monthly Rate
  • Evansville
    $5k: Pets Best, $15
    Unlimited: Pets Best, $26
    $10k: Embrace, $35
  • Fort Wayne
    $5k: Pets Best, $15
    Unlimited: Pets Best, $26
    $10k: Embrace, $35
  • Indianapolis
    $5k: Pets Best, $15
    Unlimited: Pets Best, $26
    $10k: Embrace, $35

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

What Factors Impact Pet Insurance Cost in Indiana?

Pet insurance companies in Indiana look at several factors like your pet’s breed and age, where you live, and your preferred type of coverage limits, deductible, and benefits to calculate costs. Aside from looking for affordable pet insurance in Indiana, make sure that the policy provides the type of coverage that your pet needs.

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    Annual reimbursement limits

    The coverage limit is the total amount in one policy year that your pet insurance company will pay for your pet’s veterinary expenses. Annual reimbursement limits typically range from $3,000 to unlimited.

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    Deductible

    A deductible is a portion of the bill that pet owners pay before their coverage kicks in. Within a policy year, the deductible gets consumed first before the insurance company pays the balance of your vet bills. A higher deductible decreases your premiums.

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    Bill reimbursement percentage

    You can be reimbursed up to 100% when you submit a claim. Let’s say you have a total vet bill of $800, a $250 deductible and a 70% reimbursement rate, and you’ve paid your vet the $800 directly. After your annual deductible, the balance owing on the vet bill is $550. From that amount, you’ll be reimbursed 70% by your insurance company, which is $385.

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    Breed

    Pet insurance companies look at breed as an important factor when calculating premiums as some breeds require more veterinarian treatment and thus may be more expensive to insure.

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    Animal age

    Older pets are more likely to get sick or need veterinary care than younger pets, so are more expensive to insure.

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    Location

    The cost of living impacts how much veterinarian care is in your city, as does traffic congestion and adverse weather events. All of these factors can lead to higher insurance costs.

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    Multi-pet discounts

    Many pet insurance companies offer 5%-10% multi-pet discounts when you enroll more than one pet with them.

FAQ’s About Pet Insurance in Indiana

MoneyGeek's Rating Methodology for Pet Insurance

MoneyGeek believes that data helps us make better financial decisions. 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 budget and pet’s needs.

To determine the best pet insurance companies in Indiana, 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 Indiana and to determine our affordability scores for our best rankings, MoneyGeek gathered quotes by company across many zip codes in Indiana 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


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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.


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