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

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

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Last Updated: 3/13/2022
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Pet insurance may seem like an unnecessary expense, but it can end up saving you hundreds or even thousands of dollars in veterinary bills depending on the type of injury or illness that your pet experiences. With that in mind, it’s always a good idea to choose the best pet insurance company in Nebraska to get the most out of your annual premium payments.

We’ve gathered pet insurance quotes in Nebraska’s top cities like Bellevue, Lincoln and Omaha. Our analysis to determine the average cost of pet insurance and the policy benefits can help you find the most affordable pet insurer in Nebraska that works with your budget and meets your pet’s needs.

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The Best Pet Insurance Companies in Nebraska

If you live in Nebraska and are looking for the best pet insurance, we’re here to help. MoneyGeek conducted comprehensive research to determine the best pet insurance providers by analyzing thousands of quotes, and reviewing policy and coverage details. We selected the top pet insurance providers in Nebraska based on their product offerings and affordability.

The cost of pet insurance is determined by your pet's breed, age, and medical history, in addition to the amount of coverage you want. It’s always a good idea to get several quotes from different insurers to find the best pet insurance company in Nebraska for you.

Best Overall Pet Insurance in Nebraska for Your Pet

Pets Best

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Offers flexible policy options

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Several options for deductible

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No age restrictions for pet coverage.

cons

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Only two annual limits options are available

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Does not cover bilateral conditions

COMPANY HIGHLIGHTS

MoneyGeek’s top pick for the best overall pet insurance company in Nebraska is Pets Best. Pets Best insurance plans cover accidents and illnesses. The insurer offers several options for both dogs and cats, including customized policies to fit your pet’s needs. It costs $23.72 per month on average to insure pets with Pets Best.

For pet owners on a budget, Pets Best also offers accident-only insurance. This provides you with coverage for things like broken legs and treatment if your pet accidentally swallows something it shouldn’t. The accident-only plans cost on average $6 per month for cats and $9 per month for dogs of all ages and breeds.

Pets Best has annual coverage options of $5,000 or unlimited and deductibles ranging from $50 to $1,000. Not all product offerings are available without upgrading your chosen package, but the insurance company does offer comprehensive exam coverage and routine care, chiropractic care, acupuncture, microchip implantation, and more.

A downside with Pets Best is that it does not cover elective and preventive procedures (although limited coverage for preventive care is available to purchase).

Best Pet Insurance Company in Nebraska: Unlimited Coverage

Pets Best

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Includes vet telehealth visits

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Routine wellness plans option

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No upper age limits for pets

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Does not cover parasite testing and prevention without an upgrade

COMPANY HIGHLIGHTS

Pets Best is MoneyGeek’s top pick for the best pet insurance company in Nebraska, offering unlimited coverage. Pets Best’s unlimited annual coverage policy costs an average of $27.21 per month.

While unlimited coverage is more expensive than limited coverage, it does provide you with added financial protection if your pet needs emergency care. You don’t have to worry about the cost of extensive medical procedures and treatments. Veterinary exams, X-rays, surgeries, hospitalization, drugs and other accident treatments are all covered. Pets Best also offers two wellness coverage plans, including EssentialWellness and BestWellness, so you can further protect your pet.

While most plans cover exam fees, acupuncture and chiropractic treatments, and prescription medication, you can exclude them to fit your budget and the needs of your pet.

Best Pet Insurance Company in Nebraska: Affordable Coverage

Pets Best

pros

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Offers accident-only coverage to keep insurance costs low

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Hereditary and congenital conditions, like hip dysplasia, are covered

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Covers ongoing and chronic conditions

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Does not cover holistic, herbal or experimental therapies and medications

COMPANY HIGHLIGHTS

Pets Best is MoneyGeek’s choice for Nebraska's most affordable pet insurance. On average, it costs $17.43 per month to insure a single pet with low coverage. With the insurer’s flexible and customizable plans, you can select the type of coverage your pet requires based on their age, medical history and overall health.

For example, if your pet is young and healthy, you may wish to choose low coverage instead of unlimited to keep your monthly premium affordable. Similarly, a high deductible can reduce the cost of your insurance policy.

Pets Best's basic pet insurance policies cover accidents, diseases, chronic ailments, cancer, hereditary and congenital problems, as well as emergency medical care. Pet owners must upgrade to the Pets Best plus or elite plan to have vet exam fees covered.

Best Pet Insurance Company in Nebraska: Multiple Pets

Pets Best

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Multi-pet discount of 5% per pet

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Quick turnaround for claims

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Covers behavioral consults and related prescription medications

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Does not cover special diet foods, vitamins and supplements

COMPANY HIGHLIGHTS

Pets Best is MoneyGeek's top pick for affordable coverage of more than one pet in Nebraska. Multi-pet insurance through Pets Best costs on average $21.35 per month. You can choose the same coverage and plans as your first pet or customize them to your second pet’s needs.

While Pets Best offers comprehensive insurance, some conditions and medical procedures are not covered. Like most insurers, pre-existing conditions (that begin before your coverage kicks in) are never covered. Additionally, elective and preventive procedures, including dewclaw removal and anal gland expression and removal, are not covered.

However, coverage with all Best Pet accident and illness plans includes behavioral consults, prosthetic devices and wheelchairs, and euthanasia. You’re covered when you travel anywhere in the U.S., Canada or Puerto Rico.

Best Pet Insurance Company in Nebraska: Cats

Embrace

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Up to a 10% discount for multiple pets

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No lifetime payout limit (only annual maximum)

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Exam fees covered

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Pets 15 and over are only eligible for accident-only insurance

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Does not provide unlimited coverage

COMPANY HIGHLIGHTS

MoneyGeek's pick for best pet insurance company in Nebraska for cats is Embrace. Insuring a cat is typically less expensive than insuring a dog, but the price is affected by your cat’s age and breed. The average cost to insure one cat through Embrace with a low annual coverage policy is $13.21 per month.

Embrace offers comprehensive insurance options for your feline friend, covering behavioral therapy and training, breed-specific, genetic and congenital conditions, cancer diagnosis and treatments, vet exam fees, and complementary treatments like chiropractic care and physiotherapy.

While routine and preventive care costs are not covered, you can purchase a product that works like a health savings account. Called Wellness Rewards, it’s for everyday vet, training and grooming costs.

Best Pets Insurance in Nebraska 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
    $13

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

Pet insurance premiums in Nebraska will vary based on the plan and coverage limit you select, your pet’s breed and age. The average cost of pet insurance for a dog in Nebraska is $24.68 per month for a $5,000 annual coverage limit, $45.89 per month for a $10,000 yearly coverage limit, and $49.35 per month for unlimited coverage.

Cats are less expensive to insure than dogs. On average, to insure a cat with a $5,000 annual coverage limit costs $13.39 per month, with a $10,000 yearly coverage limit, it’s $23.03 per month, and unlimited coverage costs $31.28 per month.

Average Monthly Cost of Pet Insurance in Nebraska

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  • Pet Insurance Policy
    $5k Coverage
    $10k Coverage
    Unlimited
  • Average Cost for a Dog
    $25
    $46
    $49
  • Average Cost for a Cat
    $13
    $23
    $31
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HOW MUCH PET INSURANCE DO YOU NEED IN NEBRASKA?

We recommend a $5,000 to $10,000 annual coverage limit and a reimbursement rate of at least 80% for the average pet insurance buyer in Nebraska. These rates can help you afford the veterinarian costs if your pet is in an accident or becomes seriously ill, typically at premiums that are cost-effective.

Compare the Cheapest Pet Insurance Quotes in Nebraska

MoneyGeek aims to help Nebraska pet owners understand the typical choices most insurers provide in their pet insurance policies. These are some examples:

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

Some Nebraska pet owners may prefer more affordable plans with lower coverage levels to manage their monthly expenses or because they do not feel their pet needs as much insurance coverage. Others, however, may opt for high or unlimited coverage limits to get the most financial protection if their pet suffers an emergency. Insurance with high coverage levels is more costly, and the average pet owner may not need unlimited protection, but it is an option that guarantees you’re covered.

MoneyGeek generally recommends the average coverage amount shown below for Nebraska pet insurance shoppers.

Cheapest Pet Insurance in Nebraska by Coverage Level

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  • Maximum Policy Coverage
    Winner: Cheapest Policy
    Avg Cost
  • $5,000
    Figo
    $21
  • $10,000
    Figo
    $32
  • Unlimited
    Pets Best
    $30

To keep your expenses low, look for a plan with a low annual maximum, a high deductible and low reimbursement percentage. MoneyGeek compared Nebraska pet insurance policies with a $5,000 annual coverage limit, $500 deductible, and 80% reimbursement in the table below. You can also view the cheapest average and unlimited coverage prices.

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

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  • Pet Insurance Company
    Low Coverage Monthly Cost
  • Figo
    $21
  • Pet Plan
    $21
  • Embrace
    $24
  • GEICO
    $24
  • Hartville
    $24
  • ASPCA
    $24
  • Spot
    $24
  • 24 Pet Watch
    $42
Cheapest Average Coverage: $10k Annual Maximum / 80% / $250 Deductible

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  • Pet Insurance Company
    Average Coverage Monthly Cost
  • Figo
    $32
  • GEICO
    $34
  • Embrace
    $34
  • Hartville
    $46
  • Spot
    $46
  • ASPCA
    $52
  • Pumpkin
    $54
  • 24 Pet Watch
    $56
  • Nationwide
    $60
Cheapest Unlimited Coverage: Unlimited Maximum / 90% / $250 Deductible

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  • Pet Insurance Company
    Unlimited Coverage Monthly Cost
  • Pets Best
    $30
  • Healthy Paws
    $41
  • Figo
    $46
  • Trupanion
    $52
  • Pet Plan
    $54
  • Spot
    $74

The Best Cheap Pet Insurance by City in Nebraska

Pet insurance costs in Nebraska can vary from city to city. That's because medical care may be more costly where you live. For instance, the higher cost of living in many Nebraska cities means that veterinarian care and insurance premiums are more expensive. Additionally, some cities may be riskier for your pets due to weather conditions, traffic issues or other factors. While these factors, just like your choice of plan and coverage limit, will affect your monthly premium, cheap pet insurance is available regardless of where you live in Nebraska.

Best Cheap Pet Insurance Companies by City
  • City
    Coverage Level and Average Monthly Rate
  • Bellevue
    $5k: Pets Best, $17
    Unlimited: Pets Best, $30
    $10k: Figo, $32
  • Lincoln
    $5k: Pets Best, $18
    Unlimited: Pets Best, $30
    $10k: Figo, $32
  • Omaha
    $5k: Pets Best, $17
    Unlimited: Pets Best, $30
    $10k: Figo, $32

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

What Factors Impact Pet Insurance Cost in Nebraska?

Various factors impact the cost of pet insurance in Nebraska, including pet’s age, breed, your policy’s coverage details, where you live and more. Most insurers allow you to customize your policy based on what works best for your budget and the needs of your four-legged companion. Here’s a review of the factors that influence pet insurance prices in Nebraska.

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    Annual reimbursement limit

    You select your annual reimbursement limit, which is how much your insurance company will pay in one year for your pet’s medical expenses. Annual coverage amounts typically range from $3,000 to unlimited.

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    Deductible

    A deductible is how much you pay for a vet bill before your insurance kicks in. Deductibles are usually between $250 and $500, and for the most part, a higher deductible will save you money on insurance rates.

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    Bill reimbursement percentage

    This is the amount your insurance company reimburses you for your pet’s medical bills (after you’ve paid the deductible). It can be 70%, 80% or 90%.

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    Breed

    Your pet's breed influences the cost of your insurance policy. Insurance premiums for larger breeds are higher. Cats are cheaper to insure than dogs. Compared to other breeds, breeds with congenital issues cost more to insure.

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    Animal age

    The cost of pet insurance rises with your pet’s age. This is because many pets develop health issues as they become older.

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    Location

    Where you live can impact pet insurance costs. Your premiums may cost more if you live in a city with a high cost of living or is prone to severe weather.

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    Multi-pet discounts

    Pet insurance discounts of 5%-10% are available from some companies if you insure more than one pet with them.

FAQ’s About Pet Insurance in Nebraska

MoneyGeek's Rating Methodology for Pet Insurance

Data helps us all make better financial decisions. The MoneyGeek data team took the time to gather thousands of pet insurance quotes across the 13 largest providers to help you find the most affordable policy to meet your budget and your pet’s needs.

To determine Nebraska's best pet insurance companies, 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 Nebraska and our affordability scores for our best rankings, MoneyGeek gathered quotes by the company across zip codes 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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