Pet Insurance
If the animal member of your family needs medical attention, the best pet insurance in Minnesota could save you thousands of dollars. Additionally, pet coverage may provide comfort in knowing that your pets are protected in the case of an emergency. Some programs also include preventative pet care.
We compiled data from the state's main cities, including St. Paul, Rochester and Minneapolis. This research helped us evaluate the cost of pet insurance in Minnesota, as well as companies' other benefits and features, to help you select the most appropriate coverage.
The Best Pet Insurance Companies in Minnesota
MoneyGeek analyzed hundreds of pet insurance quotes in Minnesota to determine the average cost of pet insurance in the state. We ranked the best pet insurance companies based on their policy offerings and average prices.
Insurance premiums vary depending on the breed, age and medical history of your pets. To find the best coverage for your budget and requirements, compare quotes from several providers.
Best Overall Pet Insurance in Minnesota for Your Pet
pros
Flexible deductible options
Reimbursement options up to 90%
Features a multi-pet discount
cons
Does not offer microchip implantation
No supplements covered
COMPANY HIGHLIGHTS
Our analysis indicated that Pets Best offers the best pet insurance in Minnesota. With this provider's affordable rates and customizable options, you can personalize your coverage to your budget and your pet's needs. Pets Best's inexpensive pet insurance in Minnesota costs $18.85 each month, on average.
Pets Best's deductibles range from $50 to $1,000, with coverage options from $5,000 to unlimited. This insurer covers lab tests, MRI vaccines and more. You will not be responsible for the examination and diagnosis of your pet if they become unwell, which can save you money on each visit. Unlike other types of insurance, Pets Best includes comprehensive dental care and acupuncture coverage.
Best Pet Insurance Company in Minnesota: Unlimited Coverage
pros
Comprehensive policy coverage
No upper age limits for coverage
Routine care plans are available
cons
With processing fee
COMPANY HIGHLIGHTS
Pets Best is the best option for Minnesota pet owners seeking unlimited coverage. If anything happens to your pet, limitless coverage can offer additional peace of mind. This level of coverage, however, is often more costly. Pets Best unlimited insurance has an average monthly cost of $23.85.
This provider's comprehensive insurance includes coverage for cancer treatments, accidents and other congenital disorders. A policyholder can insure a pet that suffers from a chronic illness as long as the condition is not pre-existing.
Best Pet Insurance Company in Minnesota: Affordable Coverage
pros
Low rate premiums
Numerous discounts offer
Exam fees coverage
cons
End of life premiums are not covered
COMPANY HIGHLIGHTS
Pets Best is our top recommendation for low-cost pet insurance. At an average of $13.84 a month, this insurer covers medical care, sickness and injury, dental care and genetic issues. Depending on your financial situation and chosen level of coverage, you can choose from various coverage limits and deductibles.
You may choose an affordable high-deductible plan if your pet is healthy and has no serious health issues. If your pet is becoming older or suffers from a medical condition, you can consider comprehensive insurance at a higher monthly cost.
Pets Best offers additional forms of coverage that many other insurers do not — all at a reasonable cost. Dental care, behavioral issues, genetic diseases and prosthetic devices are all included in this package.
Best Pet Insurance Company in Minnesota: Multiple Pets
pros
No upper age limits for coverage
Routine care plans are available
Reimbursement options up to 90%
cons
With processing fee
COMPANY HIGHLIGHTS
When it comes to affordable multiple pet insurance, MoneyGeek recommends Pets Best. At an average of $16.96 a month, Pets Best's pet insurance covers your pet's medical expenses and provides savings for families with several pets. Accidents, illnesses and dental work are all covered with this insurance.
When you sign up for more than one pet, you can save up to 5%. You'll have peace of mind knowing that if the worst happens, this insurance can cover your pets' medical expenses.
Best Pet Insurance Company in Minnesota: Cats
pros
With reimbursement up to 100%
Offers discounts for individuals with multiple pets
cons
Exam fees coverage is optional, not included by default
COMPANY HIGHLIGHTS
If you live in Minnesota and need cat insurance, MoneyGeek recommends Figo. If you have a feline companion, check around for cat-specific coverage — it's generally less costly than dog-specific coverage. In Minnesota, one cat's Figo insurance costs an average of $16.01 a month. Insure yourself annually for as little as $1,000 or as much as $100,000. Choose a plan based on your pet's specific requirements and pet qualities.
Licensed veterinarians conduct chiropractic and acupuncture treatments as part of Figo's holistic and alternative treatment options. These plans also include dental coverage and more. After receiving a quote, you can fine-tune the monthly payment amount until it meets your requirements.
Best Pets Insurance in Minnesota Ranking Summary
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- RankingWinnerAvg. Monthly Cost
- OverallPets Best$19
- Unlimited CoveragePets Best$24
- Affordable CoveragePets Best$14
- Multiple PetsPets Best$17
- CatsFigo$16
What Is the Average Cost of Pet Insurance Cost for Dogs and Cats in Minnesota?
A pet's age, breed and location all factor into prices for pet insurance in Minnesota. Dog insurance in Minnesota costs an average of $26.19 a month for a $5,000 coverage limit, $51.47 for $10,000 in coverage and $52.89 for an unlimited coverage limit.
It costs an average of $14.52 per month to insure a cat with a $5,000 limit, $25.37 per month to insure with $10,000 of coverage and $32.61 per month for unlimited coverage.
Your pet's age, the amount of your deductible and any added features or treatments all affect policy costs. Make sure to request many estimates before deciding on insurance — each insurer evaluates these qualities differently.
Average Monthly Cost of Pet Insurance in Minnesota
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- Pet Insurance Policy$5k Coverage$10k CoverageUnlimited
- Average Cost for a Dog$26$51$53
- Average Cost for a Cat$15$25$33
HOW MUCH PET INSURANCE DO YOU NEED IN MINNESOTA?
We suggest a coverage limit of $5,000 to $15,000 and a reimbursement rate of at least 80% for the average Minnesota pet insurance policyholder. This allows you to cover associated costs if your pet is involved in an accident or suffers a medical emergency.
Compare the Cheapest Pet Insurance Quotes in Minnesota
MoneyGeek aims to educate pet owners in Minnesota on typical coverage options available in the state. Most companies offer the following:
- Annual Reimbursement Limits: Ranges from $3k to unlimited
- Deductible: $250 to $500, but some insurance companies offer higher or lower options
- Bill Reimbursement Percentage: 70-90%
Some Minnesota pet owners may opt for cheaper insurance plans with lower coverage to save money or receive the minimum to protect their healthy pets. Minnesota residents who want to make sure their pets are adequately covered may choose insurance with higher coverage levels.
The cost of unlimited insurance coverage may be out of the price range for some pet owners. Typically, MoneyGeek recommends the following level of coverage for pet owners in Minnesota.
Cheapest Pet Insurance in Minnesota by Coverage Level
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- Maximum Policy CoverageWinner: Cheapest PolicyAvg Cost
- $5,000Pets Best$14
- $10,000Figo$31
- UnlimitedPets Best$24
If you're looking to keep pet insurance costs down, choose a plan with a low annual maximum, high deductible and low reimbursement rate. The following table compares Minnesota pet insurance policies with a $5,000 coverage limit, a $500 deductible and an 80% reimbursement rate.
Cheapest Low Coverage: $5k Annual Maximum / 80% / $500 Deductible
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- Pet Insurance CompanyLow Coverage Monthly Cost
- Pets Best$14
- Figo$20
- Hartville$26
Cheapest Average Coverage: $10k Annual Maximum / 80% / $250 Deductible
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- Pet Insurance CompanyAverage Coverage Monthly Cost
- Figo$31
- GEICO$46
- Embrace$46
Cheapest Unlimited Coverage: Unlimited Maximum / 90% / $250 Deductible
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- Pet Insurance CompanyUnlimited Coverage Monthly Cost
- Pets Best$24
- Figo$45
- Healthy Paws$45
The Best Cheap Pet Insurance by City in Minnesota
Pet insurance costs are affected by factors like your pet's age and breed, along with your location. Veterinary care and insurance costs are higher in many Minnesota cities than the national average.
The weather, traffic and other hazards may raise the likelihood of an accident for your pet, thereby increasing your insurance prices. Your level of insurance and additional types of coverage can also affect your premiums.
Best Cheap Pet Insurance Companies by City
- CityCoverage Level and Average Monthly Rate
- Minneapolis$5k: Pets Best, $15
Unlimited: Pets Best, $26
$10k: Figo, $34 - Rochester$5k: Pets Best, $13
Unlimited: Pets Best, $23
$10k: Figo, $30 - St. Paul$5k: Pets Best, $13
Unlimited: Pets Best, $23
$10k: Figo, $30
MoneyGeek used city-based data in Minnesota by gathering quotes for $10k coverage, 80% reimbursement, and $250 deductible for a 1-year-old Goldendoodle.
What Factors Impact Pet Insurance Cost in Minnesota?
Annual Reimbursement Limits
This limit refers to how much the insurance company will pay towards your pet’s medical expenses each year. Coverage options range from as little as $3,000 to unlimited coverage.
Deductible
Deductibles generally range from $250 to $500. The lower your deductible is, the higher your monthly premium becomes. The higher your deductible, the lower your monthly pet insurance costs typically are.
Bill Reimbursement Percentage
This refers to the amount your insurance company reimburses you for your pet's medical bills. For example, if you reach your deductible and receive a bill for $1,000 with a bill reimbursement percentage of 90%, you still have to pay $100.
Breed
Dogs tend to be more expensive than cats, and insurance for larger breeds or breeds with known congenital health issues also generally costs more.
Animal Age
The older your furry friend is, the more expensive their insurance tends to be. Many pets develop health issues as they age.
Location
If you live in an area with a higher cost of living or additional environmental concerns like high traffic rates or severe weather, your prices could be higher.
Multi-Pet Discounts
Some insurers offer discounts if you insure more than one animal.
FAQ’s About Pet Insurance in Minnesota
An average of 35.5% of Minnesota's households own pets. However, just a small minority of pet owners have full insurance coverage. It's a good idea to get pet insurance, according to MoneyGeek, since it might save you money if anything happens to your pet.
Without insurance, a cat's diabetes medication costs an average of $1,634 in the state. Similarly, cancer treatment costs an average of $3,282 for cats in the state. Care for your feline friend might cost up to $2,257 on average if your cat has a fractured bone.
In general, pet insurance offers a cost-effective solution to prevent more severe costs to care for your pet.
At an average price of $13.84, Pets Best is our top selection for Minnesota's most affordable pet insurance. As a result, the most cost-effective pet insurance policies differ based on your location and type of pet.
Pet insurance costs an average of $51.47 per month for dogs and $25.37 for cats for coverage of up to $10,000. Costs may vary based on the circumstances.
MoneyGeek ranks Pets Best and Figo as the best pet insurance companies in Minnesota for all pets and cats, respectively.
MoneyGeek's Rating Methodology for Pet Insurance
MoneyGeek believes that well-researched 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 for your animal friend.
To determine the best pet insurance companies in Minnesota, MoneyGeek built a detailed rating system by analyzing each company’s product offerings and costs. For the MoneyGeek 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 Minnesota, along with our affordability scores, MoneyGeek gathered quotes by company across many zip codes in Minnesota 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 Mark Fitzpatrick
sources
- Care Credit. "Average Costs: Veterinary Care." Accessed December 1, 2021.
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