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

Looking for affordable, dependable pet insurance in Minnesota? MoneyGeek analyzed thousands of quotes, as well as policy details and coverage options to help you find the best pet insurance company in Minnesota.

Last Updated: 3/13/2022
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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.

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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

Pets Best

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Flexible deductible options

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Reimbursement options up to 90%

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Features a multi-pet discount

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Does not offer microchip implantation

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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

Pets Best

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Comprehensive policy coverage

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No upper age limits for coverage

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Routine care plans are available

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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

Pets Best

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Low rate premiums

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Numerous discounts offer

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Exam fees coverage

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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

Pets Best

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No upper age limits for coverage

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Routine care plans are available

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Reimbursement options up to 90%

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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

Figo

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With reimbursement up to 100%

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Offers discounts for individuals with multiple pets

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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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  • Ranking
    Winner
    Avg. Monthly Cost
  • Overall
    Pets Best
    $19
  • Unlimited Coverage
    Pets Best
    $24
  • Affordable Coverage
    Pets Best
    $14
  • Multiple Pets
    Pets Best
    $17
  • Cats
    Figo
    $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 Coverage
    Unlimited
  • Average Cost for a Dog
    $26
    $51
    $53
  • Average Cost for a Cat
    $15
    $25
    $33
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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 Coverage
    Winner: Cheapest Policy
    Avg Cost
  • $5,000
    Pets Best
    $14
  • $10,000
    Figo
    $31
  • Unlimited
    Pets 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 Company
    Low Coverage Monthly Cost
  • Pets Best
    $14
  • Figo
    $20
  • Hartville
    $26
  • Spot
    $26
  • ASPCA
    $26
  • Embrace
    $32
  • GEICO
    $32
  • 24 Pet Watch
    $37
Cheapest Average Coverage: $10k Annual Maximum / 80% / $250 Deductible

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  • Pet Insurance Company
    Average Coverage Monthly Cost
  • Figo
    $31
  • GEICO
    $46
  • Embrace
    $46
  • 24 Pet Watch
    $49
  • ASPCA
    $50
  • Hartville
    $50
  • Spot
    $50
  • Pumpkin
    $58
  • Nationwide
    $85
Cheapest Unlimited Coverage: Unlimited Maximum / 90% / $250 Deductible

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  • Pet Insurance Company
    Unlimited Coverage Monthly Cost
  • Pets Best
    $24
  • Figo
    $45
  • Healthy Paws
    $45
  • Pet Plan
    $62
  • Trupanion
    $62
  • Spot
    $80

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
  • City
    Coverage 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?

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    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.

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    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.

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    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.

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    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.

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    Animal Age

    The older your furry friend is, the more expensive their insurance tends to be. Many pets develop health issues as they age.

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    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.

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    Multi-Pet Discounts

    Some insurers offer discounts if you insure more than one animal.

FAQ’s About Pet Insurance in Minnesota

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 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.


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