Lemonade is the best pet insurance company for cats and dogs in Wisconsin. Other strong insurance options in the state include Pumpkin, Spot, Pets Best and AKC.
Best Pet Insurance in Wisconsin
Updated: November 11, 2025
Advertising & Editorial Disclosure
Key Takeaways
Lemonade offers the best pet insurance in Wisconsin, with monthly rates starting at $10.
In Wisconsin, Lemonade provides the cheapest pet insurance for dogs at $55 per month, while Pumpkin has the lowest premiums for cats at $23.
Compare multiple policies and prices to find coverage that matches your pet's health needs and your budget.
Best Pet Insurance Companies in Wisconsin
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| Lemonade | 4.50 | $55 |
| Pets Best | 4.05 | $67 |
| AKC | 4.05 | $76 |
| Rainwalk | 3.85 | $79 |
| ASPCA | 3.80 | $64 |
| Spot | 3.75 | $74 |
Lemonade
Best Overall
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Points
Average Monthly Rate for Dogs
$55Average Monthly Rate for Cats
$27Overall Reddit Sentiment
72% positiveMaximum Annual Limit
$100,000
Best Pet Insurance by Dog Breed
Overall, AKC dominates the best pet insurance rankings for most dog breeds in Wisconsin. Lemonade and Pets Best are top picks for select breeds.
Data filtered by:
Affenpinscher
| Pets Best | 4.35 | $30 |
| Lemonade | 4.25 | $34 |
| Rainwalk | 4.25 | $56 |
| AKC | 4.25 | $65 |
| Spot | 4 | $52 |
Best Pet Insurance by Cat Breed
Our analysis shows Rainwalk dominates pet insurance rankings for most cat breeds in Wisconsin, while AKC stands out as a strong alternative provider. Below, you can review which companies are best for your specific cat breed in the state.
Data filtered by:
Abyssinian
| Rainwalk | 4.45 | $40 |
| AKC | 4.4 | $50 |
| Lemonade | 4.35 | $27 |
| Pets Best | 4.3 | $35 |
| Spot | 4.2 | $34 |
Cheapest Pet Insurance in Wisconsin
In Wisconsin, Lemonade offers the most affordable dog insurance at $55 per month or $664 per year. For cats, Pumpkin provides the lowest-cost coverage at $23 monthly or $277 annually.
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| Lemonade | $55 | $664 | -29% |
| ASPCA | $64 | $766 | -18% |
| Pets Best | $67 | $808 | -14% |
| Pumpkin | $67 | $809 | -14% |
| Figo | $69 | $831 | -12% |
| Spot | $74 | $881 | -6% |
| Hartville | $74 | $889 | -5% |
| Met Life | $75 | $906 | -4% |
| AKC | $76 | $914 | -3% |
| Rainwalk | $79 | $951 | 1% |
| Liberty Mutual | $85 | $1,018 | 8% |
| Embrace | $94 | $1,133 | 21% |
| Nationwide | $109 | $1,309 | 39% |
| Fetch | $113 | $1,353 | 44% |
Cheapest Wisconsin Pet Insurance by Dog Breed
In Wisconsin, Lemonade, Pumpkin and Pets Best offer the most affordable pet insurance for dogs, with plans starting at $18 monthly.
Data filtered by:
Affenpinscher
| Pets Best | $30 | $360 | -50% |
| Lemonade | $34 | $406 | -43% |
| Pumpkin | $40 | $480 | -33% |
| ASPCA | $45 | $541 | -25% |
| Figo | $49 | $582 | -19% |
Cheapest Wisconsin Pet Insurance by Cat Breed
In Wisconsin, Pets Best (13 wins), Pumpkin (8 wins) and Lemonade (7 wins) offer the most affordable coverage across cat breeds. Rates start at $16 per month for standard plans.
Data filtered by:
Abyssinian
| Lemonade | $27 | $324 | -55% |
| Figo | $30 | $355 | -51% |
| Spot | $34 | $410 | -43% |
| Hartville | $35 | $415 | -42% |
| Pets Best | $35 | $419 | -42% |
How Much Is Pet Insurance in Wisconsin?
Wisconsin pet insurance costs average $97 monthly for dogs and $49 for cats. These rates run about 7% higher than the national average for dogs and 8% higher for cats.
Data filtered by:
$5,000
$500
80%
| Cat | $49 | $589 | 8% |
| Dog | $97 | $1,161 | 7% |
How to Get the Best Cheap Pet Insurance in Wisconsin
Finding the best cheap provider and coverage plan in Wisconsin can be difficult. Want to find great pet insurance? Here's how to make the best choice:
- 1Evaluate Your Pet's Coverage Needs First
Consider your pet's age, breed and potential health risks before shopping for insurance. Talk with your vet about common health issues for your pet's breed to determine necessary coverage levels.
- 2Look for Available Insurance Discounts
Many insurers offer savings through a multi-pet plan or annual payment options. Check if you qualify for additional discounts through your employer or membership organizations.
- 3Research Insurance Company Reputations
Check customer reviews and claim payment histories of different pet insurance providers. Focus on companies with strong track records in Wisconsin and clear coverage terms.
- 4Get Multiple Insurance Quotes
Request quotes from at least three different pet insurance providers for comparable coverage levels. Make sure to compare deductibles, coverage limits and monthly premiums.
- 5Review Your Coverage Annually
Pet insurance rates often increase as pets age, so review your policy each year. Compare new quotes against your current rate to ensure you're still getting the best deal.
Best Pet Insurance in Wisconsin: Bottom Line
Lemonade is our top pick for pet insurance in Wisconsin, while Pumpkin offers the most affordable coverage for cat owners. Lemonade also provides the cheapest dog insurance in the state. While these companies stand out in our analysis, the best choice depends on your budget and your pet's needs. Compare options before making your decision.
Pet Insurance in Wisconsin: FAQ
Here are answers to frequently asked questions about Wisconsin pet insurance:
What are the best pet insurance companies in Wisconsin?
Pet owners in Wisconsin have excellent insurance options available. Leading providers include Lemonade, Pumpkin, Spot, AKC and Pets Best as the most reliable choices in the state.
Which company has the cheapest pet insurance in Wisconsin?
Pumpkin, Figo and Lemonade offer the most affordable pet insurance rates in Wisconsin. Monthly premiums start at $55 for dogs and $23 for cats.
How much is pet insurance in Wisconsin?
In Wisconsin, pet insurance costs around $589 annually for cats and $1,161 for dogs. Annual premiums can range from $73 to $14,320, depending on coverage options and your pet's characteristics.
What is the best way to find the right pet insurance provider?
Start by determining your pet's specific coverage needs based on age, breed and health history. Research multiple providers' reputations through customer reviews and industry ratings. Compare policy details, coverage limits and deductibles from at least three companies. Get quotes from top-rated insurers to find competitive rates that match your requirements.
How We Found the Best and Cheapest Pet Insurance in Wisconsin
Wisconsin pet owners face rising veterinary costs, and pet insurance helps you afford necessary care when your dog needs ACL surgery or your cat develops chronic kidney disease without draining your savings. We designed this research to show you which providers offer the best combination of affordable premiums, reliable claim payments, and comprehensive coverage for Wisconsin residents.
We researched all 20 major pet insurance providers in the United States, compared their policies, and gathered quotes using standard profiles that reflect common coverage choices and popular breeds in the state.
We collected quotes for a 6-year-old Labrador Retriever for dog coverage and a 7-year-old Ragdoll for cat coverage. Both profiles used $5,000 annual limits, 80% reimbursement, and a $500 deductible. These mid-range coverage settings balance affordability with meaningful financial protection when your pet needs surgery, diagnostic testing, or ongoing treatment for chronic conditions.
We evaluated companies across three weighted categories that reflect what matters most when you're choosing pet insurance:
Affordability (50%) uses proprietary quote data across all combinations of coverage, pet ages, and breeds to compare affordability scores for all providers, plus how discounts affect your premiums.
Customer Experience (30%) draws from customer ratings across the internet, industry scores from reliable agencies like AM Best, and Reddit comment sentiment about claim handling and reimbursement speed.
Coverage Options (20%) considers all policy terms, add-ons, and inclusions, gauging these coverage restrictions against the most commonly needed pet medical-related costs to assess their usefulness.
Why these weights: Your monthly premium is what you'll pay throughout your pet's life, making affordability the dominant factor for Wisconsin families managing household budgets. Customer experience carries substantial weight because affordable coverage means nothing if the company denies legitimate claims or takes months to reimburse you after expensive treatments. Coverage options matter because you need policies that actually cover the conditions your pet is likely to develop, from orthopedic issues to cancer treatment common in middle-aged and senior pets.
This scoring system prioritizes real-world value for Wisconsin pet owners who need affordable premiums from companies that pay claims fairly and cover the conditions pets commonly face, ensuring you can afford quality veterinary care when your dog or cat needs it most.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Trustpilot. "Lemonade Reviews." Accessed November 19, 2025.