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6 Best Indiana Pet Insurance for Dogs & Cats (2022 Reviews)

Dog and cat enjoying the outdoors
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Even though your beloved cat or dog may be healthy today, emergencies can happen at any time. Urgent veterinary care is expensive, and nobody wants to stress over finances when their best pal’s health is in danger. Pet insurance provides crucial financial support during those emotionally trying times.

We have done extensive research and have found the best pet insurance companies for Indiana residents so that you can find the right coverage option for your dog or cat. From Bloomington to Fort Wayne, from South Bend to Indianapolis this article has you covered in The Hoosier State.

Dog in Sand-Dunes National ParkIndiana
Walking with doggy in Sand Dunes National Park, Indiana!

6 Top Indiana Pet Insurance for Dogs & Cats

  • 1. Lemonade

    (Best overall)

    Why it’s great: With their dynamic illness and accident coverage, affordable rates and wellness package add-ons, it is easy to see why Lemonade ranks best overall amongst pet insurance companies. They also have one of the shortest waiting periods in the industry: 2 days, instead of the standard 14-30 days. Furthermore, their outstanding mobile app makes the claims filing process simpler and faster. Pet parents can also purchase homeowners or renters insurance through Lemonade for an extra discount.

    Keep in mind: For older pets or those with pre-existing conditions, official veterinary documentation may need to be submitted to activate your policy.

    Good for: Almost all cats and dogs, particularly those that are young and healthy.

    Average price for DOGS in Indiana: $19.75/month

    Average price for CATS in Indiana: $11.00/month

  • 2. Wagmo

    (Best for wellness)

    Why it’s great: Wagmo features a wide range of wellness packages, and once you have met your annual deductible, they will reimburse as much as 100% of veterinary fees for the remainder of the year. Better yet, they reimburse their customers swiftly via direct deposit, PayPal or Venmo. Wagmo gives discounts for multiple pets and policy renewals for those that had no claims the previous year. The other great news is that Wagmo lets pet owners select the veterinarians they want to treat their cats and dogs.

    Keep in mind: They have a maximum lifetime benefit payout of $100,000, after which your pet’s coverage will cease.

    Good for: Pet parents who prefer a balance of wellness and emergency care coverage.

    Average price for DOGS in Indiana: $39.27/month

    Average price for CATS in Indiana: $23.96/month

  • 3. Figo

    (Best for cats)

    Why it’s great: Figo features some of the best premiums for cats on the market, making them the top-ranked insurer for felines. That said, they offer some great benefits for all pet owners, including unlimited lifetime benefits, live 24/7 veterinary support via their mobile app and a variety of wellness packages. One of which even covers up to $250 of prescription food should your vet deem it necessary.

    Keep in mind: Figo does not cover pre-existing conditions.

    Good for: Pet owners who want 24/7 veterinary support.

    Average price for DOGS in Indiana: $35.25/month

    Average price for CATS in Indiana: $17.78/month

  • 4. Pawp

    (Best for pre-existing conditions)

    Why it’s great: Pawp’s emergency fund will protect as many as 6 pets within your household, regardless of their age, breed or health condition, for $24 per month. The emergency fund coverage includes unlimited 24/7 access to telehealth services and pet expert consultations. Pet parents will also be pleased to know that there are no credit checks, deductibles or copays and that when you leave the vet’s clinic, your bill will be fully paid.

    Keep in mind: Pawp only covers qualified emergencies as determined by their virtual team of vets. The emergency fund can only be used for one of your pets for a single vet bill of less than $3,000 each year.

    Good for: Older pets or those with pre-existing conditions. This makes an excellent supplement to a conventional pet insurance policy.

    Price: $24/ month

  • 5. Embrace

    (Best established brand)

    Why it’s great: While pet parents will find Embrace’s unlimited lifetime benefits and multiple pet discounts appealing, their “diminishing deductible” is the most attractive perk. With a diminishing deductible, your annual deductible will drop $50 upon renewal each year that you do not have a reimbursed claim. Another unique feature of Embrace’s offerings is their wellness plan since it covers alternative veterinary treatments, including acupuncture, chiropractic, reiki and massage therapy.

    Keep in mind: Coverage is available only for pets 14 years old or younger. Also, the maximum combined claims for the wellness package is $650 per year, which provides approximately $25 in annual savings. No refunds are given on unused wellness funds at the end of each year.

    Good for: Pet parents interested in new age and alternative veterinary care for their cats and dogs.

    Average price for DOGS in Indiana: $38.20/month

    Average price for CATS in Indiana: $22.31/month

  • 6. Eusoh

    (Best pet healthshare community)

    Why it’s great: Eusoh is not a pet insurance company. Instead, it has community pet health plans that allow their members to save upwards of 50% compared with conventional pet insurance policies. Eusoh’s community health sharing plans reimburse for accident, illness and preventative care expenses. They also offer their members televet services via their partner FirstVet. Lastly, all Eusoh members get to take their pets to the licensed veterinarian of their choice.

    Keep in mind: Eusoh is not a pet insurance company but an expense- sharing community. The maximum annual reimbursement is $8,500, and the highest reimbursement rate is 80%.

    Good for: Pet parents that prefer healthshare communities.

    Average price for DOGS in Indiana: $62.58/month

    Average price for CATS in Indiana: $40.94/month

Best Overall

Lemonade is our overall top recommendation. It’s the most comprehensive pet insurance provider in Indiana and they also offer the best value.

Average price for DOGS in Indiana: $19.75/month

Average price for CATS in Indiana: $11.00/month

FAQs about Pet Insurance in Indiana

  • 1. What does pet insurance typically cover for cats and dogs?

    Coverage will differ between providers, but you can expect that sudden and catastrophic ailments or illnesses will fall under your policy. Covered care will most likely include exams, tests, further diagnostics, emergency care, surgery, and medication.

  • 2. How much does pet insurance cost in Indiana?

    Pet insurance in Indiana costs anywhere from $16.09 to $48.58 per month for dogs (based on prices for a healthy 2-year-old located in the 46204 zip code). And anywhere from $15.05 to $23.04 per month for cats (based on prices for a healthy 2-year-old located in the 46204 zip code). Prices can vary greatly depending on your zip code, the breed of your pet, its age, and medical history.

    We recommend getting a quote from Lemonade who we’ve seen consistently offer the lowest prices and best coverage out of any other provider.

  • 3. Can I cancel my dog or cat insurance plan after I make a claim?

    Most pet insurance companies allow for cancellation at any time, though you may have to do so in writing. Be sure to verify with your provider as to their requirements. Also, keep in mind that if your cat or dog is diagnosed with a condition before you cancel, it may be listed as a pre-existing condition and excluded from coverage should you wish to reinsure your pet in the future.

  • 4. Do Indiana pet insurance companies cover spaying and neutering?

    In general, Indiana pet insurance companies do not cover spaying and neutering. However, providers such as Embrace have wellness packages you can add to your policy that will cover such procedures.

  • 5. Does the cost of insurance increase as my pet ages?

    Yes, you can expect your monthly premiums to increase as your dog or cat gets older, especially once they are 4 or 5 years old. Pet insurance companies do this to help mitigate the increased risk of your pet becoming ill or developing a health condition as they age.

  • 6. Which companies cover pre-existing conditions?

    Pawp is the best company when it comes to covering emergency care for pre-existing conditions. Also, Embrace covers some pre-existing conditions they view as curable. Of course, we recommend contacting these providers for a more detailed breakdown of what you can expect for coverage for signing up for a policy. Be aware that most companies do not, under any circumstances, cover pre-existing conditions. Don’t worry, though! A pre-existing condition will not make your pet ineligible for coverage.

  • 7. Is pet insurance worth it in Indiana?

    As in other states, pet insurance in Indiana is worthwhile. Most animals experience emergencies at some point in their lives, and the urgent care they will need can be quite expensive. For example, cataract surgery can cost as much as $4,000, and cancer treatments can run as high as $10,000. Pet insurance is there to provide the necessary financial support you need, so you can give your dog or cat the attention and care they need to get well.


We hope you have found this article helpful in selecting the right pet insurance company for your little pal. We suggest reviewing the details of each provider’s offerings with them directly before applying for coverage. Buying the right Indiana pet insurance policy will provide the best emergency care for your beloved cat or dog and extra coverage when it comes to wellness so that you can enjoy many happy years together.

In our experience, after careful review, we’ve consistently seen Lemonade has the best combination of coverage and price.

Note: Our prices listed above are accurate in January 2022 and may change at any time. Please get a quote for your pet on one of the recommended websites for the most accurate monthly costs. These prices are based on a Labrador Retriever dog and American Shorthair cat located in the 46229 zipcode. We chose a $500 deductible and 90% reimbursement amount for each policy we reviewed (except for Pawp). The annual benefit amount we selected for each provider is as follows:

  • Wagmo = $20,000
  • Figo = $5,000
  • Pawp = $3,000
  • Embrace = $5,000
  • Eusoh = $8,500
  • Lemonade = $20,000