Pet Insurance
Having your pet insured by the best pet insurance company in Wisconsin can help you afford veterinary care in case of an accident or illness. A good insurance plan lets you focus on caring for your pet instead of worrying about how you’ll pay for their medical expenses. Some insurance plans also offer preventative care that can help keep your pet healthy with regular visits to the veterinarian.
MoneyGeek collected pet insurance quotes in Wisconsin’s leading cities, including Green Bay, Madison and Milwaukee. We broke down the cost of pet insurance in Wisconsin to help you find the cheapest policy that meets your pet’s needs.
The Best Pet Insurance Companies in Wisconsin
Many companies offer pet insurance in Wisconsin, and the number of options can be pretty overwhelming. Pet owners have different priorities — some are looking for increased coverage, while others just want insurance in case of an accident.
To guide you on your options, MoneyGeek analyzed insurance providers to identify Wisconsin's best pet insurance companies. We collected thousands of quotes and coverage details to evaluate a provider’s overall value proposition. We chose the best companies on the market based on their affordability and product offering options.
Best Overall Pet Insurance in Wisconsin for Your Pet
pros
Chronic conditions are covered over multiple years.
Has a 24/7 customer support hotline.
Offers unlimited maximum coverage option.
cons
Does not cover bilateral conditions.
COMPANY HIGHLIGHTS
MoneyGeek’s choice as the best overall pet insurance company in Wisconsin is Pets Best. At an average rate of $25.97 per month, a Pets Best policy covers accidents, illnesses and routine care for your dog or cat. They allow you to choose a maximum coverage between $5,000 and unlimited coverage, and they offer deductible options from $50 to $1,000.
Pets Best covers laboratory tests, MRI, CAT and x-ray tests. Prescription medication, dental care and preventative care can all be covered by a Pets Best policy. You can increase or decrease your coverage based on the package you choose.
Pets Best’s waiting period is three days for accidents and 14 days for illnesses. You can use their direct-to-vet payment option to avoid paying out of pocket. They have a 24/7 helpline to assist you, which is helpful during emergencies.
Best Pet Insurance Company in Wisconsin: Unlimited Coverage
pros
Covers chronic conditions.
Covers most veterinary care needs in case of an emergency or illness.
Offers flexible coverage and deductible options.
cons
Does not cover bilateral conditions.
COMPANY HIGHLIGHTS
MoneyGeek recommends Pets Best as the top pet insurance company in Wisconsin if you’re looking for unlimited coverage too. In addition to their $5,000 coverage limit, Pets Best also offers an unlimited yearly maximum reimbursement option.
Limitless coverage can be beneficial during a serious emergency involving your dog or cat. It also makes sense to have it if your pet is diagnosed with a chronic condition after your policy becomes effective. While pre-existing conditions are not covered, you can continue coverage even after your pet has been diagnosed with something that requires ongoing treatment.
Pets Best also covers tests, vaccines, preventative care, and dental care. On average, a Pets Best policy with unlimited coverage costs $32.86 per month.
On the downside, Pets Best does not cover bilateral conditions.
Best Pet Insurance Company in Wisconsin: Affordable Coverage
pros
Flexibility on coverage, deductible and reimbursement options.
Offers the cheapest rates among Wisconsin’s pet insurance companies.
Offers discounts for multi-pet enrollment, pet adopters and shelter staff.
cons
Six-month waiting period for orthopedic coverage.
COMPANY HIGHLIGHTS
Pets Best is also MoneyGeek’s pick as Wisconsin’s best pet insurance provider in terms of affordability.
Pets Best gives you the option to adjust your coverage limit, deductible and reimbursement ratio. You also get to choose from their various offerings with coverages that fit your needs and budget. On average, its affordable packages cost $19.08 per month.
If you’re insuring more than one pet, Pets Best offers a 5% discount. They will also give a 5% discount for pet adopters and pet shelter staff. Additionally, you can gain a 10% discount by enrolling your dog or cat in a Pets Best policy within 24 hours of a vet exam.
You need to wait for six months after purchasing your policy before you can get coverage for cruciate ligament events and related conditions. Consider that if your pet is prone to orthopedic conditions.
Best Pet Insurance Company in Wisconsin: Multiple Pets
pros
Offers multiple pet discounts.
Offers coverage for chronic and ongoing conditions.
Three-day waiting period for accidents, which is relatively quick.
cons
Does not cover bilateral conditions.
COMPANY HIGHLIGHTS
Once again, Pets Best is our top pick for pet owners insuring more than one pet. They offer a 5% discount if you enroll multiple pets on their BestBenefit plans. At an average rate of $23.37 per month per pet, you can get a Pets Best policy for all your furry family members.
While coverage varies based on the package you choose, Pets Best typically covers diagnostics, accidents, illnesses, cancer treatments, hereditary conditions, dental, chronic conditions and more.
Like most insurers, Pets Best doesn’t cover pre-existing illnesses or conditions. They also don’t cover elective and preventive procedures. Similarly, non-veterinary expenses, vitamins and supplements are excluded from their coverage.
Still, Pets Best has a range of options that’s perfect for multiple pet owners.
Best Pet Insurance Company in Wisconsin: Cats
pros
Covers most types of veterinary care, including testing, emergency care and specialist care.
Offers multiple pet discounts.
Two-day waiting period for accidents.
cons
Coverage for pet wellness is only available through an add-on capped at $650 per year.
COMPANY HIGHLIGHTS
Embrace is MoneyGeek’s choice if you’re looking to insure your cat in Wisconsin. They offer coverage limit options from $5,000 to $30,000 and deductible options from $200 to $1,000. On average, an Embrace policy costs $15.77 per month.
Expenses for exams, illnesses, dental care and accidents are covered by Embrace. They will also pay for behavioral treatments and specialist care. For pet owners looking for a cheaper policy, Embrace offers accident-only coverage that protects your pet during unforeseen events.
You can get a 10% discount by insuring more than one pet through Embrace. Another discount is your deductible, which is reduced by $50 for every year that you don’t file a claim.
Embrace lacks unlimited coverage and zero-deductible options. They offer a Wellness Rewards add-on to reimburse wellness claims, with a yearly allowance option of $250, $450 or $650 per policy.
Best Pets Insurance in Wisconsin Ranking Summary
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- RankingWinnerAvg. Monthly Cost
- OverallPets Best$26
- Unlimited CoveragePets Best$33
- Affordable CoveragePets Best$19
- Multiple PetsPets Best$23
- CatsEmbrace$16
What Is the Average Cost of Pet Insurance Cost for Dogs and Cats in Wisconsin?
In Wisconsin, pet insurance costs change depending on your location, your coverage preference and your pet’s age and breed. On average, pet insurance for a dog costs $28.48 to $60.53 per month, while a cat’s insurance costs $15.13 to $36.75 per month.
MoneyGeek’s study found that the average monthly cost of insuring a dog in Wisconsin is $28.48 for a $5,000 coverage limit, $51.84 for a $10,000 coverage limit and $60.53 for unlimited coverage. Meanwhile, the average monthly cost of insuring a cat is $15.13 for a $5,000 coverage limit, $25.63 for a $10,000 coverage limit and $36.75 for unlimited coverage.
Insurance companies each have their own way of determining rates. To find the best deals, shop around for quotes from various insurers before deciding on a policy.
Average Monthly Cost of Pet Insurance in Wisconsin
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- Pet Insurance Policy$5k Coverage$10k CoverageUnlimited
- Average Cost for a Dog$28$52$61
- Average Cost for a Cat$15$26$37
HOW MUCH PET INSURANCE DO YOU NEED IN WISCONSIN?
MoneyGeek recommends a $5,000 to $15,000 coverage limit and an 80% reimbursement rate for the average pet insurance buyer in Wisconsin. This ensures that you can afford veterinary care in case your pet is in an accident or requires medical attention. With this range, you won’t pay unnecessarily for an expensive unlimited insurance policy that you more than likely don’t need.
Compare the Cheapest Pet Insurance Quotes in Wisconsin
To help you understand offers from pet insurance companies in Wisconsin, MoneyGeek has evaluated an insurance policy’s components.
- Annual reimbursement limits: Ranges from $3k to unlimited
- Deductible: $250 to $500, but some companies have higher or lower options
- Bill reimbursement percentage: 70-90%
Some pet owners in Wisconsin prefer cheaper policies with lower coverage limits. Others opt for insurance with higher coverage limits to guarantee adequate coverage. Policies with higher or unlimited coverage are more expensive, but the average pet owner may not require unlimited insurance. MoneyGeek recommends an average coverage amount for most pet insurance shoppers in Wisconsin to balance coverage and cost.
Cheapest Pet Insurance in Wisconsin by Coverage Level
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- Maximum Policy CoverageWinner: Cheapest PolicyAvg Cost
- $5,000Pets Best$19
- $10,000GEICO$40
- UnlimitedPets Best$33
To keep your pet insurance rates affordable, consider a plan with a low annual maximum, high deductible and a low reimbursement percentage, especially if you're on a tight budget. The chart below compares Wisconsin's pet insurance policies with a $5,000 coverage limit, a $500 deductible and an 80% reimbursement rate.
Cheapest Low Coverage: $5k Annual Maximum / 80% / $500 Deductible
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- Pet Insurance CompanyLow Coverage Monthly Cost
- Pets Best$19
- Hartville$26
- ASPCA$26
Cheapest Average Coverage: $10k Annual Maximum / 80% / $250 Deductible
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- Pet Insurance CompanyAverage Coverage Monthly Cost
- GEICO$40
- Embrace$40
- Figo$44
Cheapest Unlimited Coverage: Unlimited Maximum / 90% / $250 Deductible
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- Pet Insurance CompanyUnlimited Coverage Monthly Cost
- Pets Best$33
- Healthy Paws$47
- Trupanion$58
The Best Cheap Pet Insurance by City in Wisconsin
In addition to your pet’s age and breed, the city you live in also affects your pet insurance rates. Some areas in Wisconsin have higher costs of living and, consequently, more expensive veterinary care. This results in higher insurance premiums. In addition, some places have a higher incidence of accidents due to weather conditions, traffic and other hazards. This also translates to more expensive policy costs.
Buying a pet insurance policy with a high coverage amount, whether you’re in an expensive or more affordable city, will also drive your rates up.
Best Cheap Pet Insurance Companies by City
- CityCoverage Level and Average Monthly Rate
- Green Bay$5k: Pets Best, $19
Unlimited: Pets Best, $33
$10k: Embrace, $39 - Madison$5k: Pets Best, $19
Unlimited: Pets Best, $33
$10k: Embrace, $42 - Milwaukee$5k: Pets Best, $19
Unlimited: Pets Best, $33
$10k: Embrace, $39
MoneyGeek used city-based data in Wisconsin by gathering quotes for $10k coverage, 80% reimbursement, and $250 deductible for a 1-year-old Goldendoodle.
What Factors Impact Pet Insurance Cost in Wisconsin?
Your pet’s breed and age, your preferred coverage and your location are just some of the factors that affect the cost of pet insurance in Wisconsin. Most insurers allow you to adjust coverage limits, deductible cost and your reimbursement amount so you can create a policy that fits your needs and budget.
Annual reimbursement limits
Refers to the limit that the insurance company will pay towards your pet’s medical expenses each year. The limits range from $3,000 to unlimited, and policies with higher or unlimited coverage are more expensive.
Deductible
Refers to the amount that you are required to pay before your insurance provider pays your claims. The lower your deductible, which can be anywhere from $50 to $1,000, the more expensive your monthly premium tends to be.
Bill reimbursement percentage
Refers to the ratio, from 50% to 100%, that the insurance company will reimburse you for your pet’s covered expenses. Policies with a higher reimbursement percentage are usually more expensive.
Breed
Insurance for dogs is more expensive than for cats. Within species, larger breeds and breeds with congenital health issues may also cost more.
Animal Age
Pet insurance rates tend to go up as your pets age. That’s because as they grow older, pets develop more health issues.
Location
Where you live can affect your pet insurance rates. Cities with a higher cost of living or a higher incidence of accidents lead to increased premiums.
Multi-pet discounts
Refers to the discounts you can get from some insurers if you insure more than one pet with the same company.
FAQ’s About Pet Insurance in Wisconsin
MoneyGeek's Rating Methodology for Pet Insurance
MoneyGeek believes that data helps us make better financial decisions. Our data team gathered thousands of pet insurance quotes across the 13 largest providers to help you find the best policy for your budget and pet.
To determine the best pet insurance companies in Wisconsin, MoneyGeek used an internal rating system to analyze each company’s product offerings and costs. For the MoneyGeek rating score, we weighted affordability at 50% of the total score and our 24 qualitative research policy option data points at 50%.
To find the cheapest pet insurance companies in Wisconsin and to determine our affordability scores for our best rankings, MoneyGeek gathered quotes by company across many zip codes in Wisconsin 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
- Care Credit. "Average Costs: Veterinary Care." Accessed December 12, 2021.
- AVMA. "AVMA Pet Ownership and Demographic Sourcebook." Accessed December 12, 2021.
Pet Insurance
