Pet Insurance
While owning a pet can be rewarding, it can also be quite expensive. Unexpected pet illnesses or injuries can cause your veterinary expenses to skyrocket. To help minimize the overall cost of your pet’s medical treatment, it’s important to find the best pet insurance in Nevada.
We gathered quotes from pet insurance companies in Nevada’s top cities, including Henderson, Las Vegas, Reno to help you find the best policy for your furry friend. This analysis details the cost of pet insurance in Nevada as well as the products and benefits that each company offers.
The Best Pet Insurance Companies in Nevada
Not all pet insurance policies are the same. Their costs also vary depending on the age and breed of your pet. To determine the best pet insurance companies in Nevada, MoneyGeek analyzed thousands of quotes in the state and reviewed coverage details for each provider. The best overall pet insurance companies were selected based on their affordability and product offerings.
Best Overall Pet Insurance in Nevada for Your Pet
pros
No upper age limits for pets
Chronic conditions covered over multiple years
Has dental coverage
24/7 pet helpline
cons
Does not cover pre-existing conditions
Does not cover bilateral conditions
COMPANY HIGHLIGHTS
MoneyGeek chose Pets Best as the best overall pet insurance company in Nevada. This insurer offers comprehensive pet insurance coverage, which includes emergencies and illnesses. It also lets you customize your policy to meet your budget and the needs of your pet. The average cost of pet insurance from Pets Best is $26.81 per month.
Pets Best has two yearly coverage options: $5,000 and unlimited. Each policy will cover hereditary and congenital conditions, hospitalization, cancer treatments and periodontal disease. You also don’t have to worry about your pet’s diagnostics like exams, CAT scans and X-rays; they’re covered if you opt for one of the Essential, Plus or Elite packages.
Routine care coverage can be added to your policy too for items like vaccinations and teeth cleaning. Pets Best has accident-only plans that cover incidents such as broken legs, snake bites, accidental swallowing, and more, that can be helpful if you’re on a limited budget. With its multiple levels of coverage, Pets Best is the top insurer for pet owners in Nevada.
Best Pet Insurance Company in Nevada: Unlimited Coverage
pros
No annual limit coverage
Covers dental including periodontal disease
Covers emergency care and hospitalization
Covers ongoing and chronic conditions
cons
Does not cover pre-existing conditions
Does not cover bilateral conditions
COMPANY HIGHLIGHTS
For pet owners who prefer unlimited coverage, Pets Best is also MoneyGeek’s top pick in Nevada. Unlimited coverage gives you peace of mind, knowing you will be financially protected in case anything happens to your pet. Just remember that unlimited coverage is more expensive than other policy options. This kind of policy from Pets Best costs an average of $33.92 per month.
Pets Best provides coverage for accidents, illnesses, cancer treatments, hospitalization and surgery, prescription medications and more. It doesn’t cover pre-existing conditions, meaning any illnesses or injuries that happened to your pet before you purchased your policy or during your waiting period. Pets Best also doesn’t cover testing, treatment and prevention of parasites.
Best Pet Insurance Company in Nevada: Affordable Coverage
pros
Affordable policy options
Covers prescription medications
Can pay vet directly
cons
Extended wait period for orthopedic conditions
COMPANY HIGHLIGHTS
If you’re looking for affordable coverage for your pet, Pets Best is again your best option in Nevada. The insurer offers two coverage limits, with the lowest being a $5,000 annual limit. This type of policy will cost you $19.70 per month on average.
Pets Best lets you select a plan that is perfect for both your pet and budget. Each policy covers accidents, illnesses, surgeries, prescription medications and more. Pets Best also offers accident-only plans designed for those on a tight budget but still want great coverage in case their pet breaks a leg or accidentally swallows something. This low-cost policy, however, doesn’t cover medical issues like cancer.
Another nice feature from Pets Best is its direct veterinarian reimbursement. When you use its Vet Direct Pay, it will pay your vet directly for any claim reimbursement amount. This can be helpful if you have a large and unexpected vet bill and you are unsure how to pay for it.
Best Pet Insurance Company in Nevada: Multiple Pets
pros
Offers a 5% discount for multiple pets
Fast processing time for claims
24/7 pet helpline
cons
Some alternative therapies, such as holistic, are not covered
COMPANY HIGHLIGHTS
If you’re looking to insure a couple of your pets, Pets Best is also MoneyGeek’s top pick. This insurer offers a 5% discount when you enroll more than one pet. An average policy from Pets Best costs $24.13 per month.
Pets Best allows its policyholders to visit any licensed veterinarian, emergency clinics and specialists. The insurer also offers a number of deductible options, from $50 to $1,000, and reimbursement amounts (at 70%, 80% and 90%), so policyholders can carry personalized plans fit for their budget.
When it comes to processing claims, Pets Best can have your payment deposited in as little as two days if you choose to receive claim payments via direct deposit. Pets Best also has staff ready via phone, live chat and email, for any pet health questions. Since its 24/7 pet helpline is included in every policy, this service has no limits on usage, ensuring you have access to veterinary experts at any time of the day.
Best Pet Insurance Company in Nevada: Cats
pros
Flexible policies
Visit any licensed veterinarian, emergency hospital or specialist
May reimburse up to 100% of vet bill
cons
Does not cover most parasites
COMPANY HIGHLIGHTS
MoneyGeek chose Figo as the best pet insurance company for cats in Nevada. Typically, policies for cats cost less than those for dogs. A cat insurance plan from Figo costs an average of $19.80 per month.
Figo has three flexible plans that you can customize to fit your budget and coverage needs. Depending on your chosen plan, it may reimburse you up to 100% of your covered veterinary charges.
Figo’s policies offer comprehensive coverage, including emergency care and hospitalization, cancer treatments, chronic conditions, prosthetics and orthopedics. The insurer also provides financial protection in case your feline friend needs surgery, diagnostic testing and prescription medication. However, Figo coverage excludes routine wellness or preventive care (including dental), pre-existing conditions, breeding and pregnancy, experimental procedures and cosmetic surgery. You can add routine care coverage to any pet insurance plan.
Best Pets Insurance in Nevada Ranking Summary
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- RankingWinnerAvg. Monthly Cost
- OverallPets Best$27
- Unlimited CoveragePets Best$34
- Affordable CoveragePets Best$20
- Multiple PetsPets Best$24
- CatsFigo$20
What Is the Average Cost of Pet Insurance Cost for Dogs and Cats in Nevada?
The cost of pet insurance can vary depending on your policy coverage details, your pet’s breed and age, and even where you live. The average cost to insure a dog is $28.31 per month for a $5,000 coverage limit, $49.42 per month for a $10,000 coverage limit and $53.22 per month for unlimited coverage. For cats, the average cost is $15.37 per month for a $5,000 coverage limit, $24.67 per month for a $10,000 coverage limit and $33.70 per month for unlimited coverage.
Keep in mind that the cost of your pet insurance can change as your pet ages. It’s best to shop around and get personalized quotes before purchasing a policy.
Average Monthly Cost of Pet Insurance in Nevada
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- Pet Insurance Policy$5k Coverage$10k CoverageUnlimited
- Average Cost for a Dog$28$49$53
- Average Cost for a Cat$15$25$34
HOW MUCH PET INSURANCE DO YOU NEED IN NEVADA?
For the average pet insurance buyer in Nevada, we recommend a coverage limit of $5,000 to $15,000 and a reimbursement rate of 80% or more. That way, you won’t have to worry about how to pay a large and unexpected veterinary bill should your pet suffer from an accident or illness.
Compare the Cheapest Pet Insurance Quotes in Nevada
MoneyGeek wants to help pet insurance buyers in Nevada understand the typical options in pet insurance policies offered by most companies in the state:
- Annual reimbursement limits: Range from $3,000 to unlimited
- Deductible: $250 to $500, but some companies have higher or lower options
- Bill reimbursement percentage: 70-90%
Some pet owners in Nevada will shop around for cheaper policies with lower coverage amounts to meet their budget and coverage needs. Others may prefer policies with higher coverage limits to ensure maximum protection for their pet. This type of policy costs more, and the average pet owner may not need unlimited protection. Still, it provides maximum protection for your pet and the peace of mind that goes with it.
MoneyGeek generally recommends the average coverage amount below for pet insurance buyers in Nevada.
Cheapest Pet Insurance in Nevada by Coverage Level
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- Maximum Policy CoverageWinner: Cheapest PolicyAvg Cost
- $5,000Pets Best$20
- $10,000Figo$38
- UnlimitedPets Best$34
Shopping around for pet insurance with different coverage options is the best way to get the best price for the policy you choose. In the tables below, we compared pet insurance companies in Nevada with the cheapest low coverage, cheapest average coverage and cheapest unlimited coverage.
Cheapest Low Coverage: $5k Annual Maximum / 80% / $500 Deductible
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- Pet Insurance CompanyLow Coverage Monthly Cost
- Pets Best$20
- Pet Plan$21
- Spot$24
Cheapest Average Coverage: $10k Annual Maximum / 80% / $250 Deductible
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- Pet Insurance CompanyAverage Coverage Monthly Cost
- Figo$38
- ASPCA$46
- Hartville$46
Cheapest Unlimited Coverage: Unlimited Maximum / 90% / $250 Deductible
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- Pet Insurance CompanyUnlimited Coverage Monthly Cost
- Pets Best$34
- Healthy Paws$42
- Trupanion$55
The Best Cheap Pet Insurance by City in Nevada
In addition to the level of coverage you select and your pet’s breed and age, your address can affect the cost of your pet insurance. In Nevada, some cities have a higher cost of living, which results in higher veterinary medical costs and higher policy costs. Accident risks for your pets due to factors like adverse weather events and excessive traffic can also increase the cost.
Best Cheap Pet Insurance Companies by City
- CityCoverage Level and Average Monthly Rate
- Henderson$5k: Pets Best, $19
Unlimited: Pets Best, $33
$10k: Figo, $38 - Las Vegas$5k: Pets Best, $20
Unlimited: Pets Best, $35
$10k: Figo, $40 - North Las Vegas$5k: Pets Best, $19
Unlimited: Pets Best, $33
$10k: Figo, $38 - Reno$5k: Pet Plan, $20
Unlimited: Healthy Paws, $35
$10k: Figo, $38 - Sparks$5k: Pets Best, $19
Unlimited: Pets Best, $33
$10k: Figo, $38
MoneyGeek used city-based data in Nevada by gathering quotes for $10k coverage, 80% reimbursement, and $250 deductible for a 1-year-old Goldendoodle.
What Factors Impact Pet Insurance Cost in Nevada?
The cost of your pet insurance policy can be affected by several factors, including your location, your coverage details and your pet’s breed and age. Most pet insurance companies in Nevada will allow you to customize your policy based on your budget and your pet’s needs.
Annual reimbursement limits
The annual reimbursement limit refers to the maximum amount your provider will pay towards your pet’s veterinary bills in any 12-month term.
Deductible
Deductible refers to the annual amount you pay out-of-pocket for the cost of your pet’s medical treatment. The higher your deductible is, the lower your policy will cost and vice versa.
Bill reimbursement percentage
The bill reimbursement percentage refers to the amount your provider will reimburse you for your pet’s medical bills. If your invoice (after you’ve paid your deductible) is $1,000, the insurer will reimburse you $900 of that if you’ve got a 90% reimbursement percentage rate.
Breed
Your pet’s breed is one of the factors that determine the cost of your policy. Typically, cats are cheaper to insure than dogs.
Animal Age
Your pet’s age can also affect your insurance premiums. Older pets tend to get sick more often, so your rate may change to reflect that increased risk.
Location
Where you live can influence the price you pay for your policy. Some cities have a higher cost of living, while others have more accident risks to your pets.
Multi-pet discounts
Some pet insurance companies will offer discounts if you insure more than one pet with them.
FAQ’s About Pet Insurance in Nevada
A study by the American Veterinary Medical Association shows that more than one-half (53%) of households in Nevada own a pet, but only a fraction of them have pet insurance.
MoneyGeek believes that pet insurance is a good investment since it can help you avoid paying large and often unexpected medical expenses if anything happens to your pet. For instance, the average cost to treat your pet’s broken bone is about $2,300. If your cat or dog needs cancer treatment, you can expect a vet bill of around $4,000.
Overall, Pets Best is MoneyGeek’s top pick for cheapest pet insurance in Nevada. An average policy for low coverage from this insurer costs $19.70 per month.
In Nevada, a policy with $10,000 coverage costs an average of $49.42 for dogs and $24.67 for cats. However, your rate can change depending on the coverage option you purchase.
Overall, the best pet insurance company in Nevada is Pets Best. This insurer is also the best company for multiple pets as well as unlimited and affordable coverage. Figo is the best for pet insurance policies for cats.
MoneyGeek's Rating Methodology for Pet Insurance
MoneyGeek believes that data helps us make better financial decisions. To that end, our data team gathered thousands of pet insurance quotes across the 13 largest providers to ensure you find the most affordable policy to meet your pet’s needs.
To determine the best pet insurance companies in Nevada, MoneyGeek analyzed each company’s product offerings and costs. For our rating score, we weighted affordability by coverage level at 50%, and our 24 qualitative research policy option data points also at 50%.
To determine the cheapest pet insurance companies in Nevada and our affordability scores, MoneyGeek gathered quotes by company across many zip codes in Nevada 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
- Pets Best. "Coverage." Accessed December 10, 2021.
- Care Credit. "Average Costs: Veterinary Care." Accessed December 10, 2021.
- AVMA. "AVMA Pet Ownership and Demographic Sourcebook." Accessed December 10, 2021.
Pet Insurance
