Best Pet Insurance in Wisconsin for 2022


Did you know that many of our readers end up choosing Lemonade pet insurance? for their pet insurance coverage?

Pet insurance is a great way to keep your furry family members healthy without breaking the bank. Just one emergency visit to the vet can really cut into your savings, and pet insurance can provide protection against having to dip into the vacation fund. Benzinga did the research – read on to understand what pet insurance can offer you, how the policies work, and find the best pet insurance in Wisconsin.

Quick Overview: Best Pet Insurance in Wisconsin

Best Pet Insurance Providers in Wisconsin

Wisconsin residents pay an average of $1,300 for emergency veterinary care each year. Plan ahead for the unexpected with pet insurance – check out our top providers.

1. Lemonade Pet

With Lemonade, time is running out. See your rates in seconds and sign up for coverage in minutes with Lemonade Pet Insurance. Claims are paid just as quickly, with AI streamlining every part of the normal pet insurance process.

Lemonade has a customizable blanket for cats and dogs. Their plans offer reimbursement for medical expenses such as diagnostics, preventative care, medications and more.

Lemonade also offers many discounts. Save 10% by bundling your pet insurance with other types of coverage from Lemonade. And get a 5% multi-pet discount plus a 5% discount each year you use Lemonade Pet.

Begin

securely via the Lemonade Pet website

Disclosure: Lemonade is currently available in the following states: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, District of Columbia, Georgia, Illinois, Indiana, Iowa, Maryland, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire , New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington and Wisconsin,

Best for

Top-notch pet insurance

Exam in 1 minute

Lemonade offers easy-to-understand coverage options for dogs and cats. It’s even better for those who already have Lemonade tenant or homeowner’s insurance, because you get a discount for bundling your policies.

Insurance companies keep extra dollars for profit, but Lemonade is unique in that after paying your claims and expenses, it donates any remaining premiums to a charity you choose when you sign up for a police. You can select charities like the American Red Cross, The Trevor Project, and many pet-centric causes. The downside to Lemonade pet insurance is that you can only insure dogs and cats (no exotic animals).

Best for

  • Those who want to bundle with their home insurance policy
  • Pet owners who prefer to buy and manage their policies online
  • Pet owners who want to customize their pet policy
Advantages

  • Super customizable so you get everything your pet needs without paying for things you won’t use
  • Discount for home or tenant insurance Lemonade
  • Very high cap on annual limits
The inconvenients

  • Only offers coverage for dogs and cats
  • Not available in all states


2. Pet spot insurance

Spot Pet Insurance offers a range of pet insurance plans endorsed by renowned dog whisperer Cesar Millan.

Choose between accident-only coverage and Spot On coverage and add a preventative care feature for routine care coverage. Then you can customize the type of coverage, deductible, reimbursement and annual limit according to your needs. The general deductible options available are $100, $500 and $250.

You can also customize your refund from 70% to 100%. Your animal can be registered from the age of 8 weeks, and there is no upper age limit.

Spot Pet Insurance

Begin

securely through the Spot Pet Insurance website

Best for

Prescription foods and supplements

Exam in 1 minute

Spot Pet Insurance’s innovative approach provides user-friendly access to customizable coverage. Your dog or cat is covered without undergoing a medical examination. Policies cover veterinary bills, partially or fully, when your pet comes in for a routine checkup or vaccination or needs treatment for an injury, chronic illness, or prescription coverage. Spot also covers implanting a microchip in your pet. You will also receive a 10% discount on each additional animal you insure.

Best for

  • Cats and dogs of all breeds, sizes and ages
  • Insure multiple pets
  • Customize an insurance plan
  • Prescription foods and supplements
Advantages

  • Multiple Pet Discount
  • Covers prescription foods and supplements
  • No upper age limit for joining coverage
  • 30-day money-back guarantee*
  • More repayment options: 70%, 80% and 90%
The inconvenients

  • Does not cover exotic animals

3. Pumpkin

Pumpkin’s policies cover a wide range of situations that can result in costly veterinary bills. When looking at an insurance policy, it’s important to understand exactly what is covered. Just know that Pumpkin can greatly help you achieve your goals.

Wefunder has been in the crowdfunding game long enough to know how to get results.
Source: Screenshot from Pumpkin’s website

pumpkin pet insurance

get a quote

securely through the Pumpkin Pet Insurance website

Best for

Families with multiple pets

Exam in 1 minute

Pumpkin Pet Insurance offers traditional pet insurance as well as optional preventative care coverage for an additional fee. Although Pumpkin offers a wide range of coverage options, you will notice some limitations to be aware of. All Pumpkin pet insurance plans have an annual coverage limit, and all of its policies come with a high reimbursement rate.

Best for

  • Families with pets who don’t expect their bills to exceed Pumpkin’s coverage limits
  • Families with multiple pets who qualify for their discount for each additional pet policy
Advantages

  • No upper age limit
  • Multiple Pet Discount
  • A long list of procedures covered
The inconvenients

  • Plans only cover cats and dogs – no other types of pets

Pet Insurance in Wisconsin: An Overview

Wisconsinans spend a lot of time outdoors, thanks to Wisconsin’s waterways, lakes, and Northwoods. Time spent outdoors is great for pets and owners, but Mother Nature makes your pet more susceptible to disease and injury from ticks and fleas.

Pets are popular in Wisconsin:

  • Number of households with animals: 32% own a cat
  • Amount spent annually on animal bills: $1,300 annual average
  • Average cost of pet insurance per year: $44.60 per month for a 5-year-old medium-sized mixed-breed dog

What does pet insurance typically cover?

Your pet insurance policy will allow you to choose the type of coverage that is best for you, based on age, breed, pre-existing conditions and your budget.

There are 3 types of pet insurance:

  • Accident only insurance plans cover injuries resulting from an accident. Accidental injuries include broken bones, bites, poisonings, and injuries from fights with other pets. Treatment for ticks and fleas and pre-existing conditions are generally excluded. Accident-only coverage is a good choice for healthy young pets who only need routine checkups and emergency coverage.
  • Accident and illness plans cover illnesses and diseases diagnosed by the veterinarian in addition to emergency accidents. Illnesses commonly covered include cancer, arthritis, skin and ear infections, obesity, allergies and certain hereditary conditions. Coverage for pre-existing conditions may vary, so be sure to read your policy details. When included, plans like this can be perfect for breeds that suffer from specific issues like hip dysplasia.
  • Complete plans normally include accidents, illnesses and routine care, annual checkups, heartworm, tick and flea treatments, vaccinations, regular tests, dental care and behavioral therapy sessions.

Full coverage is ideal for aging pets that are more susceptible to age-related injuries and illnesses. Check age limits before registering.

Get the best pet insurance policy

Protect your pet with a pet insurance policy. Do some research before choosing a plan that’s right for you. Spend your money on spoiling your furry family member instead of spending extra money on emergency and routine care.

Frequently Asked Questions

Does pet insurance cover vaccines?

1

Does pet insurance cover vaccines?

asked

Melinda Sineriz

1

Some pet insurance plans cover vaccinations, but you should check the terms of your policy to find out what is covered.

Answer link

responded

Benzinga

Does pet insurance cover wellness programs?

1

Does pet insurance cover wellness programs?

asked

Melinda Sineriz

1

Many pet insurance providers have wellness programs or endorsements that provide wellness support.

Answer link

responded

Benzinga


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