Dogs and cats deserve the best medical care when sick. By enrolling in pet insurance, you can ensure that your furry friend can always receive the medical care they need without breaking your wallet. However, choosing a plan can be overwhelming, as numerous options are available. For this reason, my team and I have determined the 5 best pet insurance plans in Louisiana and what makes them great options for your furry companion. So if you live in Louisiana and are interested in enrolling your pet in an insurance plan, this article may be able to help.
5 Top Dog & Cat Insurance Companies Compared for Louisiana
(Ranked the Best for Wellness)
Why it’s great: If you are passionate about wellness, Wagmo may be the pet insurance provider for you. Wagmo offers numerous wellness add-on services to make your pet’s care as well-rounded as possible. They also allow veterinary care to be provided by any licensed veterinarian so that you don’t need to find a new vet. In addition, they cover up to 100% of veterinary fees for the rest of the year once your deductible has been met. Wagmo also values convenience for its users, as they offer quick reimbursement that can be delivered via direct deposit, PayPal or Venmo. Discounts are also available throughout the year, which allow pet parents to save money.
Keep in mind: Wagmo has a lifetime maximum benefit of $100,000. Once you hit this amount, your pet will no longer receive coverage.
Good for: Furry friends of any age and for pet owners who value wellness at an affordable cost.
Average price for DOGS in Louisiana: $32.50/month
Average price for CATS in Louisiana: $19.81/month
(Ranked the Best for Cats)
Why it’s great: Attention cat parents: Figo is one of the best insurance carriers out there for felines. Not only do they offer some of the lowest prices, they also understand that health emergencies can happen at any time, which is why they provide a 24/7 veterinary support hotline for clients to use when immediate medical consultation is needed. Figo also offer a number of wellness add-ons to ensure that your furry friend’s needs are consistently addressed. Finally, Figo also offers an unlimited lifetime maximum benefit, which means that you don’t need to worry about losing coverage due to reaching a certain monetary amount.
Keep in mind: If your furry pal has pre-existing conditions, this may not be an ideal provider, as treatments for these conditions are not covered.
Good for: Cat owners and any pet owner who is seeking access to veterinary support at all hours of the day.
Average price for DOGS in Louisiana: $28.94/month
Average price for CATS in Louisiana: $14.61/month
(Ranked the Best for Pre-Existing Conditions)
Why it’s great: Pawp is a pet insurance provider that deeply cares about the health and well-being of dogs and cats alike. Pawp plans offer coverage for up to 6 pets for just $24 per month, regardless of breed or medical condition, including 24/7 telehealth services. In addition, your pets can receive care by any licensed veterinarian. Pawp is popular among pet parents because there are no copays, deductibles, or credit checks. Finally, Pawp is unique in that they will cover pets with pre-existing medical conditions.
Keep in mind: In terms of the 24/7 telehealth services, Pawp will only cover visits that meet criteria for an emergency. This means that if your pup has a scratch, you may want to wait to bring him to the vet during normal business hours.
Good for: Older pets or those with pre-existing conditions.
(Ranked the Best Established Brand)
Why it’s great: There are numerous reasons to love Embrace. First, Embrace has Embrace has no maximum lifetime benefit, which means your pet will never lose coverage, regardless of age. In addition, Embrace offered many pet discounts and diminishing deductibles, meaning that your deductible decreases by $50 each year that you do not file for reimbursement. Finally, Embrace offers numerous preventative and alternative medicine services, such as massage therapy, spay/neutering, acupuncture, and Reiki.
Keep in mind: Pets are only eligible for enrollment until they turn 14. If you adopt an older pet that is over 14, they will not be eligible for coverage. Embrace also does not refund for add-on services that are not used throughout the year.
Good for: Pet owners who value alternative medicine.
Average price for DOGS in Louisiana: $33.50/month
Average price for CATS in Louisiana: $19.56/month
(Best Pet Health Sharing Community)
Why it’s great: Differing from a pet insurance company, Eusoh offers pet health sharing plans that will reimburse you for 50% or more on your vet bills. Accidents, Illness and preventive care are reimbursable under their plans. You are able to bring your pet to the vet of your choice and they also include televet services.
Keep in mind: Eusoh is not a pet insurance company but rather an expense-sharing community. Their maximum annual reimbursement is $8,500, and their top reimbursement rate is 80%.
Good for: Peer-to-Peer community coverage.
Average price for DOGS in Louisiana: $62.58/month
Average price for CATS in Louisiana: $40.94/month
FAQs about Pet Insurance in Louisiana
1. What does pet insurance typically cover for dogs and cats?
Pet insurance coverage varies by provider and plan. However, most pet insurance plans cover treatment that is needed for unexpected illnesses and injuries, which can include medications, medical imaging, boarding, and prescriptions.
2. How much does pet insurance cost in Louisiana?
Pet insurance in Louisiana costs anywhere from $13.22 to $38.50 per month for dogs (based on prices for a healthy 2-year-old located in the 70043 zip code). And anywhere from $12.36 to $15.41 per month for cats (based on prices for a healthy 2-year-old located in the 70043 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 Wagmo 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?
Yes, most pet insurance plans will allow you to cancel coverage at any time.
4. Do Louisiana pet insurance companies cover spaying and neutering?
Most pet insurance plans in Louisiana do not cover the costs of spay/neutering services. However, some insurance providers offer wellness packages to cover these services, such as Embrace .
5. Does the cost of insurance increase as my pet ages?
Yes, the cost of your insurance policy will most likely increase as your pet gets older, especially once your pet is older than 4 or 5 years old. This is because the older your pet is, the more likely they are to develop conditions that require veterinary attention.
6. Which companies cover pre-existing conditions?
7. Should I invest in pet insurance if I live in Louisiana?
Despite the monthly cost, pet insurance may be well-worth the investment due to the high costs associated with veterinary care. Pets can fall ill or get hurt any time, and it is always better to be prepared. For example, a dog that breaks a leg running may need surgery and an overnight hospital stay. The total cost for his care may range anywhere from $10,000 to $15,000.
Like humans, pets can get sick or hurt at any time and may require veterinary attention. Due to the high costs of veterinary care, pet insurance may be a worthwhile investment to ensure that your pet can always receive the necessary medical care at a more affordable cost to you. We hope that this article was helpful and assisted you in selecting a pet insurance plan that is right for both you and your pet.
In our experience, after careful review, we’ve consistently seen Wagmo 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 70043 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