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

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

Last Updated: 3/13/2022
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Many providers offer pet insurance in Louisiana. Picking a good insurance policy can help you receive the immediate medical attention that your pet may need after an accident or illness. Your coverage also reduces the chances of having to pay significant medical and veterinary bills.

MoneyGeek classified the best insurers in Louisiana based on multiple factors to help you find the ideal coverage for your pets. Our analysis involved collecting quotes from leading insurers in the most populous cities in Louisiana, including Baton Rouge, New Orleans and Shreveport.

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The Best Pet Insurance Companies in Louisiana

MoneyGeek’s analysis involved reviewing thousands of quotes from several insurers in Louisiana and assessing their plans. This helped us determine the insurer that balances affordability and multiple coverage options.

Insurance rates in Louisiana depend on several aspects, such as the type of pet you own, its breed and your location. To find the best insurance for your pet, we recommend that you receive quotes from at least three providers. This will give you a good idea about coverage options and their respective rates.

Best Overall Pet Insurance in Louisiana for Your Pet

Pets Best

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Has multiple coverage options

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Offers coverage for hereditary conditions and emergency care

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Provides a multi-pet discount

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Does not include pre-existing conditions

COMPANY HIGHLIGHTS

Based on MoneyGeek’s analysis, the top insurer overall in Louisiana is Pets Best, which offers insurance at $23.61 per month, on average.

Pets Best’s coverage levels start at $5,000 per year. Policyholders can also choose unlimited coverage, which few providers offer. Most policies from Pets Best include exam fees, acupuncture, chiropractic and prescription medication coverage. You may choose these coverages based on your pet’s requirements and your budget.

Most pet insurance policies follow a reimbursement model, where policyholders make upfront payments for treatments and receive reimbursements from the insurer. With exam fees, you will be paid for all payments made towards vet examinations when you take a pet for a diagnosis. This can lead to significant savings over the insurance term.

The company does not have any upper age limits for pets and offers the same coverage limits, regardless of your pet’s age. Pets Best also has coverage that pays for dental care and other possible requirements, such as bloodwork, pathology reports, MRIs, CAT scans and X-rays.

Best Pet Insurance Company in Louisiana: Unlimited Coverage

Pets Best

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Offers coverage while traveling

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Provides dental care coverage

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No upper age limits for pets to be included in a policy

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Does not pay for any pre-existing ailments

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Does not cover non-veterinary expenses

COMPANY HIGHLIGHTS

Pets Best ranked as the top company in MoneyGeek’s analysis for the best pet insurance with unlimited coverage in Louisiana. With unlimited coverage, you will never exceed your coverage limit — even in situations that call for considerable medical care for your pet. However, policies with unlimited coverage typically cost more than average coverage.

Pets Best unlimited coverage costs $29.88 per month on average. Although this is slightly more expensive, you can have the peace of mind that all expenses for your pet’s care will be covered.

This insurer offers affordable policies with several options for your pet’s needs, including dental and cancer treatments, blood work, MRIs, surgery, medication and chemotherapy.

Pets Best also offers coverage for prosthetic devices and wheelchairs, as long as they are prescribed by a licensed veterinarian to treat a covered accident or illness. It also covers treatments for your pet while you travel anywhere in the U.S., Canada and Puerto Rico.

Best Pet Insurance Company in Louisiana: Affordable Coverage

Pets Best

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Policyholders can file claims online

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Includes exam fees

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Has a round-the-clock pet helpline

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Waiting period for coverages to take effect

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Herbal therapies and medications not covered

COMPANY HIGHLIGHTS

If you’re looking for the most affordable pet insurance in Louisiana, you can find the best insurer using our analysis. MoneyGeek’s top choice for affordable insurance is Pets Best, which offers policies at $17.35 per month, on average.

This includes coverage for sick visits to the vet, illness and injury, dental care, hereditary conditions and prescription medications for covered medicines. Pets Best offers coverage for surgeries that include operations to extract foreign items like swallowed socks.

The company’s plans also cover pre-anesthesia tests, which veterinarians usually conduct before performing surgery, thus ensuring end-to-end coverage in such situations.

You can choose from various coverage options and customize the limits and deductibles depending on your pet’s health. If you think your pet is healthy, you can choose a high deductible to keep your insurance premium low.

If you feel that your pet often becomes ill, you can benefit by choosing a low deductible. While this may lead to higher monthly premiums, the insurance will take care of the considerable medical care expenses.

Best Pet Insurance Company in Louisiana: Multiple Pets

Pets Best

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Offers direct deposit reimbursement

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Include your existing vet with the insurer’s policy

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Covers chronic conditions

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Does not cover behavioral issues

COMPANY HIGHLIGHTS

If you have more than one pet in your household in Louisiana, MoneyGeek recommends choosing Pets Best to insure them. With an average cost of $21.25 per month, the insurer has coverage that pays for your pet’s accidents, illnesses, dental needs, cancer and more. It also offers a multi-pet discount when you include your second furry friend in a policy.

You can choose to have your pet diagnosed by your existing vet and have your insurance pay for your vet visits, as long as they are licensed to practice in the U.S.

Pets Best does not offer coverage for holistic, herbal and experimental treatments or medications. However, procedures such as physical therapy, cold laser therapy, chiropractic care, acupuncture and hydrotherapy are not considered to be holistic or experimental and are covered under Pets Best’s insurance policies.

The insurer also pays for chip implantation procedures if you wish to insert an RFID chip to ensure your pet can be immediately identified.

Best Pet Insurance Company in Louisiana: Cats

Embrace

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Round the clock customer support

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Provides behavioral therapy for pets

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Offers multi-pet and military discounts

cons

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Does not cover pre-existing conditions

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Does not offer unlimited coverage

COMPANY HIGHLIGHTS

MoneyGeek’s top pet insurance choice to protect your cats is Embrace. Under normal circumstances, pet insurance for cats is cheaper than for dogs. However, it always pays to explore multiple options to get the cheapest insurance rates. For cat owners, Embrace offers the cheapest insurance policies in Louisiana at an average of $12.13 per month.

The company offers many types of coverage, including for breed-specific, congenital and chronic conditions. These plans pay for all associated costs, including exam and consultation fees, diagnostic testing, and specialist care.

Embrace's coverage also pays for surgery and hospitalization, complementary treatments, rehabilitation procedures, dental issues, prescription medications and cancer treatments. This provider's cancer coverage pays for all diagnostic tests and treatment procedures.

This provider also covers behavioral therapy, which pays to overcome certain bad habits. The coverage pays for treatments for behavioral issues, including prescription meds for behaviors like marking, pica or aggression, along with specialist care treatments from oncologists and internal medicine experts.

A significant drawback is that the insurer does not offer unlimited coverage. Embrace’s policies also do not pay for any pre-existing conditions.

Best Pets Insurance in Louisiana Ranking Summary

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  • Ranking
    Winner
    Avg. Monthly Cost
  • Overall
    Pets Best
    $24
  • Unlimited Coverage
    Pets Best
    $30
  • Affordable Coverage
    Pets Best
    $17
  • Multiple Pets
    Pets Best
    $21
  • Cats
    Embrace
    $12

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

The cost of pet insurance in Louisiana depends on where you live. There are also other factors that can affect the cost of insurance, such as your coverage limits, the type of pet and its age.

If you’re looking to insure your dog in Louisiana, the average cost is $22.70 per month for a $5,000 coverage limit, $42.07 per month for a $10,000 coverage limit and $45.00 per month for unlimited coverage.

Pet insurance for cats is typically less expensive in Louisiana. The average insurance cost for a cat is $11.98 per month for a $5,000 coverage limit, $20.75 per month for a $10,000 coverage limit and $29.31 per month for unlimited coverage.

Note that MoneyGeek’s analysis considered a $250 deductible for the above policies.

Average Monthly Cost of Pet Insurance in Louisiana

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  • Pet Insurance Policy
    $5k Coverage
    $10k Coverage
    Unlimited
  • Average Cost for a Dog
    $23
    $42
    $45
  • Average Cost for a Cat
    $12
    $21
    $29
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HOW MUCH PET INSURANCE DO YOU NEED IN LOUISIANA?

There are many factors that pet owners must consider before deciding on their coverage. MoneyGeek analyzed several policies and insurers in Louisiana.

Based on our extensive research, we recommend that pet owners in Louisiana choose an insurance policy that comes with $5,000 to $10,000 of coverage per year with a minimum reimbursement rate of 80%.

Compare the Cheapest Pet Insurance Quotes in Louisiana

MoneyGeek’s research explored all aspects of pet insurance policies to help you understand what to expect from insurance companies as a policyholder in Louisiana. Our review found that most companies in Louisiana offer:

  • 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% to 90%

Some pet owners opt for lower insurance coverages to keep their monthly insurance spending in check, while others may want maximum protection for their pets and choose unlimited coverage. Keep in mind: insurance policies with unlimited coverage are more expensive, and the average pet owner may not need it.

The following table covers MoneyGeek’s recommendations on average coverage limits and the cheapest policies that offer such coverage.

Cheapest Pet Insurance in Louisiana by Coverage Level

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  • Maximum Policy Coverage
    Winner: Cheapest Policy
    Avg Cost
  • $5,000
    Pets Best
    $17
  • $10,000
    GEICO
    $31
  • Unlimited
    Pets Best
    $30

If you’re looking for considerably cheaper insurance, you can choose low annual coverage limits and higher deductibles, along with a low reimbursement rate.

Below, we compare insurance policies in Louisiana with a $5,000 coverage limit, $500 deductible and an 80% reimbursement rate.

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

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  • Pet Insurance Company
    Low Coverage Monthly Cost
  • Pets Best
    $17
  • Spot
    $21
  • ASPCA
    $21
  • Hartville
    $21
  • Embrace
    $22
  • GEICO
    $22
  • Figo
    $23
  • 24 Pet Watch
    $36
Cheapest Average Coverage: $10k Annual Maximum / 80% / $250 Deductible

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  • Pet Insurance Company
    Average Coverage Monthly Cost
  • GEICO
    $31
  • Embrace
    $31
  • Figo
    $35
  • ASPCA
    $39
  • Hartville
    $39
  • Spot
    $39
  • Pumpkin
    $46
  • 24 Pet Watch
    $48
  • Nationwide
    $71
Cheapest Unlimited Coverage: Unlimited Maximum / 90% / $250 Deductible

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  • Pet Insurance Company
    Unlimited Coverage Monthly Cost
  • Pets Best
    $30
  • Healthy Paws
    $37
  • Trupanion
    $37
  • Figo
    $50
  • Pet Plan
    $54
  • Spot
    $63

The Best Cheap Pet Insurance by City in Louisiana

Pet insurance rates can differ significantly, depending on your city and state. The cost of living in Louisiana's larger cities is higher. This translates to more expensive vet consultations and higher premiums.

Accident risks due to weather, vehicle density and other considerations also vary among cities, which affects insurance costs. Insurance companies also take into account the amount of coverage you choose to determine rates.

Best Cheap Pet Insurance Companies by City
  • City
    Coverage Level and Average Monthly Rate
  • Baton Rouge
    $5k: Pets Best, $19
    $10k: Embrace, $31
    Unlimited: Pets Best, $32
  • Lafayette
    $5k: Pets Best, $16
    Unlimited: Pets Best, $28
    $10k: Embrace, $31
  • New Orleans
    $5k: Pets Best, $18
    Unlimited: Pets Best, $30
    $10k: Embrace, $31
  • Shreveport
    $5k: Pets Best, $17
    Unlimited: Pets Best, $29
    $10k: Embrace, $31

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

What Factors Impact Pet Insurance Cost in Louisiana?

Pet owners in Louisiana must consider several factors before choosing an insurance policy, including the age and breed of your pet, your location and the reimbursement rates and deductibles of your policy. Many insurers offer customizable options to help you choose the best insurance for your pet.

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    Annual Reimbursement Limits

    This describes the annual limit up to which the insurer will reimburse you for the expenses incurred toward your pet's medical care. In Louisiana, this can start from $3,000 with some insurers offering unlimited coverage.

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    Deductible

    Your deductible refers to the amount you have to pay each year for medical costs before your insurance plan starts to pay for covered services. Keep in mind that choosing a higher deductible will reduce your monthly insurance premiums.

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    Bill Reimbursement Percentage

    Bill reimbursement is the amount you receive from your pet insurance company for expenses that you have incurred. For instance, if your policy comes with a reimbursement limit of 80% and you have a claim of $1,000 for medical expenses, you will receive $800 from your insurer. Please note that your reimbursements begin only after you have reached your policy's yearly deductible.

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    Breed

    Normally, pet insurance for dogs is more expensive than cats. Coverage for pet breeds that are prone to sickness or certain congenital health issues may also cost more.

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    Animal Age

    Insurers may charge more for older animals, who are more likely to become sick. However, most insurers offer similar rates, regardless of your pet's age.

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    Location

    Insurance costs also depend on where you live. If the cost of living in your city is high, insurance costs may also increase. Other factors such as the vehicle density in your area, weather and extreme climates may also impact insurance costs as such aspects influence the health of your pet.

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    Multi-Pet Discounts

    If you have more than one pet, you can choose an insurer that offers multi-pet discounts to reduce your insurance premiums.

FAQ’s About Pet Insurance in Louisiana

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 help you find the most affordable policy to meet your pet’s needs.

To determine the best pet insurance companies in Louisiana, MoneyGeek built a detailed rating system by analyzing each company’s products 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 Louisiana, along with affordability scores for our rankings, MoneyGeek gathered quotes by company across many zip codes in Louisiana 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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