Conscientious pet parents understand that emergencies can occur at any time in their dogs’ and cats’ lives, which is why they purchase pet insurance. Pet insurance creates a financial buffer so your little pal gets the essential care they need and deserve in urgent situations, regardless of how costly it may be. To simplify your search for the best Nevada pet insurance, we have ranked the 6 top companies for your consideration.
6 Top Nevada Pet Insurance for Dogs & Cats
Why it’s great: Lemonade tops our list for best overall because they feature affordable premiums, comprehensive illness and accident insurance, along with various wellness plans from which to choose. Pet parents will appreciate their incredibly short 2-day accident period. What’s more, Lemonade makes the claim-filing process simple with their top-rated mobile app. Their pet insurance plans can be bundled with homeowners’ or renters’ insurance for an extra discount.
Keep in mind: Veterinary documentation may need to be submitted for pets with pre-existing conditions in order to get an active policy.
Good for: Almost all dogs and cats, especially the young and healthy.
Average price for DOGS in Nevada: $26.42/month
Average price for CATS in Nevada: $11.42/month
(Best for wellness)
Why it’s great: Wagmo’s super-fast reimbursement via direct deposit, Venmo and PayPal makes them popular among pet parents. They also cover up to 100% of veterinary fees once you meet your annual deductible. Additionally, Wagmo gives discounts to those who insure multiple pets or renew their policy without having any claims in the year prior. If that weren’t enough, pet parents have the freedom to take their cats and dogs to the veterinarians of their choice.
Keep in mind: Coverage ends once your pet reaches the maximum lifetime benefit amount of $100,000.
Good for: Pet parents who prefer a balanced mix of wellness and emergency care.
Average price for DOGS in Nevada: $44.72/month
Average price for CATS in Nevada: $27.08/month
(Best for cats)
Why it’s great: Figo insures both canine and feline friends, but their monthly premiums for cats are some of the best. Pet owners get 24/7 veterinary consultations and access to pet experts via the mobile app. Their selection of wellness plans provides extensive coverage, including one option that pays for up to $250 of prescription food. Better yet, pet parents can rest assured that all plans come with unlimited lifetime benefits.
Keep in mind: Pre-existing conditions are not covered.
Good for: Cat parents. Also, pet owners who appreciate having 24/7 telehealth services covered.
Average price for DOGS in Nevada: $35.97/month
Average price for CATS in Nevada: $18.15/month
(Best for pre-existing conditions)
Why it’s great: Pawp’s emergency fund is an economical way to protect up to 6 pets in your household of any age, breed or medical history for a monthly flat fee of $24. Along with the emergency fund, cat and dog owners will get pet expert consultations and 24/7 televet services as well as the ability to choose their pets’ veterinarians. Unlike more traditional insurance models, Pawp requires no credit checks, deductibles or copays. Pet parents will be pleased to know that their bills will be settled in full on their behalf before leaving the vet clinic.
Keep in mind: They only cover qualified emergencies as determined by their virtual vet team. Moreover, the emergency fund covers only one of your pets for a single vet bill of less than $3,000 each year.
Good for: Older pets and those with pre-existing conditions. A solid supplement for a traditional pet insurance plan.
(Best established brand)
Why it’s great: Between unlimited lifetime benefits, multiple pet discounts and diminishing deductibles, it is easy to see how Embrace has become an established brand over the years. With a diminishing deductible, pet owners can expect their deductible to drop by $50 after every year in which they have no claim reimbursements. However, Embrace’s most unique offering is their wellness plan that covers alternative veterinary care, including reiki, acupuncture, chiropractic and massage therapy.
Keep in mind: The total maximum combined claims for the wellness package is $650, which gives about $25 annual savings. No unused wellness package funds will be refunded at the end of the year.
Good for: Pet parents interested in new age, alternative veterinary care.
Average price for DOGS in Nevada: $72.66/month
Average price for CATS in Nevada: $42.43/month
(Best pet healthshare community)
Why it’s great: While Eusoh may not be a pet insurance company, they offer their members community health-sharing plans that save pet parents to save as much as 50% on veterinary care. As a member, you can expect to be reimbursed for accident, illness and routine care-related expenses. Having free telehealth services via Eusoh’s partner FirstVet and being able to choose one’s veterinarian are two other perks of membership.
Keep in mind: Eusoh is not a pet insurance company. They are an expense-sharing community. The maximum reimbursement rate is 80%, and the highest reimbursement amount per year is $8,500.
Good for: Pet parents that prefer healthshare communities.
Average price for DOGS in Nevada: $62.58/month
Average price for CATS in Nevada: $40.94/month
FAQs about Pet Insurance in Nevada
1. What does pet insurance typically cover for dogs and cats?
Insurance coverage differs from one provider to the next, but a general rule of thumb is that insurance will cover illnesses and ailments considered sudden and catastrophic. Examples of covered care include exams, tests, other diagnostic procedures, medication and surgery.
2. How much does pet insurance cost in Nevada?
Pet insurance in Nevada costs anywhere from $16.42 to $49.58 per month for dogs (based on prices for a healthy 2-year-old located in the 88901 zip code). And anywhere from $15.35 to $19.15 per month for cats (based on prices for a healthy 2-year-old located in the 88901 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 their customers to cancel their policies at any time. Many may require that you inform them of your intention in writing, but it’s best to check with your specific provider regarding their cancellation requirements. Be aware that any conditions diagnosed when your pet is insured may be listed as pre-existing conditions should you wish to reinstate your pet insurance down the road.
4. Do Nevada pet insurance companies cover spaying and neutering?
Nevada pet insurance companies do not include spaying and neutering in their coverage. That said, Embrace, and a few other companies offer add-on wellness packages that reimburse for these operations.
5. Does the cost of insurance increase as my pet ages?
Monthly premiums increase as your pet ages, most noticeably once they reach 4 to 5 years old. The rate hikes help providers account for and mitigate the increased risk of your pet becoming sick or developing serious health conditions as they get older.
6. Which companies cover pre-existing conditions?
Pawp is the best provider when it comes to covering pre-existing conditions, especially in emergencies. Embrace also allows for some ‘curable’ pre-existing conditions to qualify for coverage. We encourage pet parents to contact these companies to further explore their benefits before applying for a plan. While most pet insurance providers do not cover pre-existing conditions at all, the good news is that any prior health issues will not affect your pet’s eligibility for coverage.
7. Is pet insurance worth it in Nevada?
As with cats and dogs everywhere, Nevada pets inevitably experience veterinary emergencies sometime in their lives, and such incidents are expensive to treat. For example, cancer therapies can cost as much as $10,000 and hip replacement surgery $7,000. Pet insurance is helpful for Nevada residents because it provides a financial cushion that can give your dog or cat access to critical life-saving treatments and procedures.
We hope this article gives you the essential information you need to find the right pet insurance for your cat or dog. We suggest taking extra time to read through each of these companies’ perks and terms before making your decision. Buying the best Nevada pet insurance will protect your little pal in emergencies and support routine care, so you can both share a long and fun life together. In our opinion, a top option is Lemonade, they provide the best mix of price, coverage and service out of the companies we reviewed.
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 88901 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