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

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

Advertising & Editorial Disclosure
Last Updated: 3/13/2022
Written By     |  

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.

tip icon

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

Pets Best

pros

This is an icon

No upper age limits for pets

This is an icon

Chronic conditions covered over multiple years

This is an icon

Has dental coverage

This is an icon

24/7 pet helpline

cons

This is an icon

Does not cover pre-existing conditions

This is an icon

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

Pets Best

pros

This is an icon

No annual limit coverage

This is an icon

Covers dental including periodontal disease

This is an icon

Covers emergency care and hospitalization

This is an icon

Covers ongoing and chronic conditions

cons

This is an icon

Does not cover pre-existing conditions

This is an icon

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

Pets Best

pros

This is an icon

Affordable policy options

This is an icon

Covers prescription medications

This is an icon

Can pay vet directly

cons

This is an icon

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

Pets Best

pros

This is an icon

Offers a 5% discount for multiple pets

This is an icon

Fast processing time for claims

This is an icon

24/7 pet helpline

cons

This is an icon

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

Figo

pros

This is an icon

Flexible policies

This is an icon

Visit any licensed veterinarian, emergency hospital or specialist

This is an icon

May reimburse up to 100% of vet bill

cons

This is an icon

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

Scroll for more

swipe icon
  • Ranking
    Winner
    Avg. Monthly Cost
  • Overall
    Pets Best
    $27
  • Unlimited Coverage
    Pets Best
    $34
  • Affordable Coverage
    Pets Best
    $20
  • Multiple Pets
    Pets Best
    $24
  • Cats
    Figo
    $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

Scroll for more

swipe icon
  • Pet Insurance Policy
    $5k Coverage
    $10k Coverage
    Unlimited
  • Average Cost for a Dog
    $28
    $49
    $53
  • Average Cost for a Cat
    $15
    $25
    $34
tip icon
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

Scroll for more

swipe icon
  • Maximum Policy Coverage
    Winner: Cheapest Policy
    Avg Cost
  • $5,000
    Pets Best
    $20
  • $10,000
    Figo
    $38
  • Unlimited
    Pets 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

Scroll for more

swipe icon
  • Pet Insurance Company
    Low Coverage Monthly Cost
  • Pets Best
    $20
  • Pet Plan
    $21
  • Spot
    $24
  • Hartville
    $25
  • ASPCA
    $25
  • Figo
    $26
  • 24 Pet Watch
    $37
  • GEICO
    $39
  • Embrace
    $39
Cheapest Average Coverage: $10k Annual Maximum / 80% / $250 Deductible

Scroll for more

swipe icon
  • Pet Insurance Company
    Average Coverage Monthly Cost
  • Figo
    $38
  • ASPCA
    $46
  • Hartville
    $46
  • Spot
    $46
  • 24 Pet Watch
    $49
  • Nationwide
    $54
  • Pumpkin
    $54
  • GEICO
    $55
  • Embrace
    $55
Cheapest Unlimited Coverage: Unlimited Maximum / 90% / $250 Deductible

Scroll for more

swipe icon
  • Pet Insurance Company
    Unlimited Coverage Monthly Cost
  • Pets Best
    $34
  • Healthy Paws
    $42
  • Trupanion
    $55
  • Figo
    $55
  • Pet Plan
    $59
  • Spot
    $74

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
  • City
    Coverage 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.

  • This is an icon

    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.

  • This is an icon

    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.

  • This is an icon

    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.

  • This is an icon

    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.

  • This is an icon

    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.

  • This is an icon

    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.

  • This is an icon

    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

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 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.


sources