Pet Insurance
Choosing the best pet insurance in North Dakota may save you thousands of dollars should your pet need veterinary care. Several pet insurance companies cover preventive care like vaccines to ensure your furry friend is healthy and happy in the long run. In an emergency, pet insurance helps protect you from significant medical expenses.
MoneyGeek compiled pet insurance quotes in North Dakota’s top cities, including Bismarck, Fargo, and Grand Forks, to help you choose the cheapest policy that fits your budget and pet’s needs. Our analysis determined the average cost of pet insurance in North Dakota along with the benefits a policy may include.
The Best Pet Insurance Companies in North Dakota
MoneyGeek analyzed thousands of pet insurance quotes, reviewing coverage and policy options from pet insurance companies in North Dakota to pinpoint the best pet insurance in North Dakota. The best pet insurance companies were chosen based on affordability and product offerings.
The final cost of your pet insurance depends on your pet’s breed, age, overall medical history, and more. So it’s advisable to compare customized pet insurance quotes in North Dakota to get the best coverage for you and your furry friend’s needs.
Best Overall Pet Insurance in North Dakota for Your Pet
pros
Exam fees covered
Multi-pet discount
Vet telehealth visits are available
cons
Behavioral training and treatment are not covered
COMPANY HIGHLIGHTS
The overall top choice for the best pet insurance in North Dakota goes to Pets Best. With Pets Best, you can get coverage for comprehensive dental care, selected vaccines, microchip implantation, prescription drugs, exam fees, physical therapy, and more. On average, a pet insurance policy with Pets Best in North Dakota costs $24.65 per month.
Pets Best offers flexible and customizable policies to help you get the protection that your furry friend needs. Annual coverage with Pets Best is either $5,000 or unlimited. Deductibles begin at $50 and go up to $1,000. Pets Best covers illnesses, accidents, and hereditary and congenital conditions and has optional wellness care plans. But if your pet promptly needs medical care for an orthopedic condition, there is an extended waiting period before your policy kicks in.
If you want to submit reimbursement claims online, Pets Best can process your claim through its mobile app.
Best Pet Insurance Company in North Dakota: Unlimited Coverage
pros
Multiple deductible choices
Dental care coverage
Choose your licensed vet, clinic or specialist
cons
No coverage for pre-existing conditions
COMPANY HIGHLIGHTS
MoneyGeek’s top pick for pet owners in North Dakota who need unlimited coverage is Pets Best. The average cost of an unlimited annual coverage policy with Pets Best is $31.18 per month.
If your pet urgently needs medical attention, you don’t need to worry about maxing out your coverage limit with an unlimited pet insurance policy. An unlimited coverage policy might provide extra peace of mind.
Pets Best has no upper age limits, meaning you can insure an older pet. Its policy also covers chronic conditions like diabetes or cancer.
With Pets Best’s customizable policy options, North Dakota pet owners who have relatively young and healthy pets can opt for a cheaper policy with a high deductible alongside unlimited coverage. There are also wellness plans available that can help maintain your pet’s health as they age.
Best Pet Insurance Company in North Dakota: Affordable Coverage
pros
Multiple deductible options to make a policy more affordable
Telehealth visits available
Older pets are eligible for a policy
cons
Limited annual coverage limit options
COMPANY HIGHLIGHTS
For around $18.11 per month, Pets Best has the cheapest pet insurance in North Dakota. With its customizable policy options that include deductibles as low as $50 up to $1,000 and three reimbursement rate options (70%, 80% and 90%), Pets Best makes getting affordable pet insurance in North Dakota easy.
Pets Best policyholders can get coverage for dental care, exam fees, accidents, alternative therapy, prescribed medication, and more.
Aside from the 5% multi-pet discount, you may be eligible for a 5% discount if you’re a member of a military family. Pets Best also stands out because it has a 24/7 vet hotline since emergencies and accidents can happen at any time. Pets Best even covers aging eye and ear problems for older furry friends.
Pre-existing conditions are not covered. Although Pets Best does not cover behavioral training and treatment for issues like pica, its extensive list of product offerings can make up for it.
Best Pet Insurance Company in North Dakota: Multiple Pets
pros
Covers vaccines
Customizable policies for both cats and dogs
Alternative therapy like acupuncture is available
cons
Bilateral conditions aren’t covered
COMPANY HIGHLIGHTS
For North Dakota residents with multiple pets, MoneyGeek’s top choice is Pets Best. The pet insurance company offers the cheapest multi-pet insurance in North Dakota, averaging $22.18 per month.
Pets Best provides insurance for dogs and cats with customizable and flexible policy options and different coverage limits and deductibles. North Dakota pets insured with Pets Best can get coverage for accidents, preventive care like vaccines, alternative care, dental care, prescription medication, and more. If you want wellness care for your pets, Pets Best has BestWellness or EssentialWellness policy add-ons. These two plans cover blood work, vaccinations, neutering or spaying, and more.
When insuring multiple pets in North Dakota through Pets Best, you may be eligible for a 5% discount. One downside, though, of Pets Best is that if your pet has an orthopedic condition, there is an extended waiting period before coverage starts.
Best Pet Insurance Company in North Dakota: Cats
pros
Multi-pet discount
Dental fees covered
Choose your licensed vet
cons
No unlimited coverage option
COMPANY HIGHLIGHTS
Embrace is MoneyGeek’s top pick for cat insurance in North Dakota. Insuring one cat with Embrace costs an average of $11.16 per month.
With Embrace, your feline friend gets extensive coverage. Embrace covers dental care, hereditary and chronic conditions, exam fees, medical prescriptions, and more. This pet insurance company in North Dakota stands out for cats because it covers behavioral training and therapy, unlike others.
Embrace also offers additional flexibility since you can file a reimbursement claim for medical services with your chosen licensed vet, specialist or hospital.
With more than one cat at home, Embrace offers a multi-pet discount cat insurance policy. You get to save money and make sure each cat has quality coverage. But, Embrace does not offer an unlimited annual coverage option; North Dakota pet owners can only get up to $30,000 in annual coverage.
Best Pets Insurance in North Dakota Ranking Summary
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- RankingWinnerAvg. Monthly Cost
- OverallPets Best$25
- Unlimited CoveragePets Best$31
- Affordable CoveragePets Best$18
- Multiple PetsPets Best$22
- CatsEmbrace$11
What Is the Average Cost of Pet Insurance Cost for Dogs and Cats in North Dakota?
Factors like your location, policy coverage and your pet’s age and breed can affect how much your pet insurance costs in North Dakota. The cost to insure a dog in North Dakota is around $23.21 per month for a $5,000 annual coverage limit, $42.58 per month for a $10,000 yearly coverage limit, and $45.18 per month for unlimited coverage.
To insure a cat in North Dakota, it costs an average of $12.39 per month for a $5,000 yearly coverage limit, $21.45 per month for a $10,000 annual coverage limit, and $30.24 per month for unlimited coverage.
Average Monthly Cost of Pet Insurance in North Dakota
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- Pet Insurance Policy$5k Coverage$10k CoverageUnlimited
- Average Cost for a Dog$23$43$45
- Average Cost for a Cat$12$21$30
HOW MUCH PET INSURANCE DO YOU NEED IN NORTH DAKOTA?
MoneyGeek recommends a $5,000 to $10,000 annual coverage limit and an 80% reimbursement rate for a pet insurance policy in North Dakota. The coverage helps ensure that you can afford veterinary care if your pet gets into an accident and do not have to choose whether your pet gets medical care because of your budget.
Compare the Cheapest Pet Insurance Quotes in North Dakota
MoneyGeek wants to help North Dakota pet insurance buyers understand common options most companies offer in pet insurance policies. When purchasing pet insurance, you must choose a:
- Annual reimbursement limit: Usually ranges from $3,000 to unlimited
- Deductible: $250 or $500 are common, but lower and higher options may be available
- Bill reimbursement percentage: Standard rates are 70%, 80% and 90%
There are North Dakota pet owners who might need a cheaper premium and choose lower coverage amounts to manage monthly expenses or because their pet might not need robust insurance coverage. On the other hand, there are North Dakota pet owners who want a high coverage limit or unlimited coverage to ensure their pet is fully protected. Although unlimited protection offers maximum protection for your furry friend, it is generally more expensive, and the average pet owner may not need it.
MoneyGeek generally recommends the average coverage amount below for pet owners looking for pet insurance in North Dakota.
Cheapest Pet Insurance in North Dakota by Coverage Level
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- Maximum Policy CoverageWinner: Cheapest PolicyAvg Cost
- $5,000Pets Best$18
- $10,000GEICO$28
- UnlimitedPets Best$31
Consider a high deductible, low annual maximum and low reimbursement percentage if you want to keep expenses manageable for pet insurance in North Dakota. MoneyGeek compares low-coverage pet insurance policies from multiple companies with a $5,000 annual coverage limit, $500 deductible and 80% reimbursement rate in the table below.
Cheapest Low Coverage: $5k Annual Maximum / 80% / $500 Deductible
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- Pet Insurance CompanyLow Coverage Monthly Cost
- Pets Best$18
- Figo$19
- GEICO$20
Cheapest Average Coverage: $10k Annual Maximum / 80% / $250 Deductible
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- Pet Insurance CompanyAverage Coverage Monthly Cost
- GEICO$28
- Embrace$28
- Figo$29
Cheapest Unlimited Coverage: Unlimited Maximum / 90% / $250 Deductible
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- Pet Insurance CompanyUnlimited Coverage Monthly Cost
- Pets Best$31
- Trupanion$36
- Healthy Paws$38
The Best Cheap Pet Insurance by City in North Dakota
Your home city affects the cost of your pet insurance in North Dakota. Several cities in North Dakota have a higher cost of living, which means higher veterinary medical costs and higher policy premiums. Some cities in North Dakota might have more accident risks because of traffic, weather or other hazards. The level of coverage and policy inclusions you purchase also affect the cost of your pet insurance. MoneyGeek found the cheapest pet insurance in North Dakota cities to help you get the best deal.
Best Cheap Pet Insurance Companies by City
- CityCoverage Level and Average Monthly Rate
- Bismarck$5k: Pets Best, $18
$10k: Embrace, $28
Unlimited: Pets Best, $31 - Fargo$5k: Pets Best, $18
$10k: Embrace, $28
Unlimited: Pets Best, $31 - Grand Forks$5k: Pets Best, $18
$10k: Embrace, $28
Unlimited: Pets Best, $31
MoneyGeek used city-based data in North Dakota by gathering quotes for $10k coverage, 80% reimbursement, and $250 deductible for a 1-year-old Goldendoodle.
What Factors Impact Pet Insurance Cost in North Dakota?
The cost of pet insurance in North Dakota depends on many factors, such as your pet’s age and breed, where you live, policy details, and more. Many companies offer flexible policies so you can customize your coverage to fit your budget and furry friend’s needs. Common pet insurance policy details that influence the cost are below.
Annual reimbursement limit
This refers to how much your pet insurance provider will pay towards your pet’s medical expenses per year. Coverage starts at $3,000 and could be as high as unlimited.
Deductible
The general range for deductibles is $250 to $500. If you have a higher deductible, your monthly premium tends to be lower, and vice versa.
Bill reimbursement percentage
This is the amount the insurance company will pay you back for your pet’s medical bills. For example, you only need to pay $300 to the vet if you reach your deductible and receive a $1,000 bill with a 70% bill reimbursement percentage.
Breed
Dogs are typically more expensive to insure than cats, while larger breeds and breeds with known hereditary health issues may also result in a higher premium.
Animal age
Because many pets develop health issues as they age, pet insurance tends to be more expensive as your pets get older.
Location
Your pet insurance premium is influenced by where you live. If you live in an area with a higher cost of living, traffic or environmental hazards, your cost may be more.
Multi-pet discount
Several insurance companies offer a multi-pet discount if you insure more than one pet with them.
FAQ’s About Pet Insurance in North Dakota
About 64% of North Dakota households have pets but do not have pet insurance. MoneyGeek believes pet insurance is needed to protect against large medical expenses for much-loved pets.
Without insurance, for example, it could cost around $2,892 or more to get your dog treated for diabetes. For more extensive medical care like chemotherapy for cancer, treatment can cost roughly $4,000 or more.
Protecting your furry friend with pet insurance is a relatively affordable way to avoid large expenses while being able to care for your pet’s health.
In North Dakota, Pets Best offers the cheapest pet insurance, costing an average of $18.11 per month. However, the most affordable option for you depends on where you live, what kind of pet you have, and other factors.
If you’re searching for pet insurance with $10,000 in annual coverage, for a dog in North Dakota, it costs around $43 per month and, for a cat, roughly $21 per month.
If you’re looking to buy affordable, unlimited, or the best overall pet insurance in North Dakota, MoneyGeek’s top choice is Pets Best. It’s also the best pet insurance company in North Dakota when insuring multiple pets. If you have a cat, MoneyGeek recommends Embrace for pet insurance in North Dakota.
MoneyGeek's Rating Methodology for Pet Insurance
MoneyGeek believes that data helps us make better financial decisions. For pet insurance, 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 to meet your pet’s needs.
To determine the best pet insurance companies in North Dakota, 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 North Dakota and to determine our affordability scores for our best rankings, MoneyGeek gathered quotes by company across many zip codes in North Dakota 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
- AVMA. "AVMA Pet Ownership and Demographic Sourcebook." Accessed December 1, 2021.
- Care Credit. "Average Costs: Veterinary Care." Accessed December 1, 2021.
Pet Insurance
