The Best Pet Insurance Companies in Indiana (2024)

With 4.8 out of 5 stars, Lemonade offers our top-ranked pet insurance plan in Indiana. Lemonade offers flexible policy options and comparatively affordable coverage, based on our review, and is an option for pet owners on a budget.

However, it is worth noting that Lemonade’s base plan is not the most inclusive on the market. For example, Lemonade’s plan does not cover physical therapy and alternative treatments, unlike some competitors we reviewed. To get comprehensive coverage with a Lemonade plan, you will need to pay for various add-on coverage items.

The average cost of a Lemonade pet insurance policy in Indiana is $25 per month, lower than our estimated state average of $43 per month.

To determine the annual savings a customer can expect with pet insurance, we compared the annual cost of premiums to estimated pet ownership expenses in Indiana. Our analysis considered vet visits, emergencies, vaccines and medications. Based on this information, we determined Lemonade policyholders could save $282 per year.

Lemonade offers one type of accident and illness plan that covers the following:

• Diagnostics
• Emergency care
• Hospitalization
• Lab work
• MRIs and CT scans
• Prescription medication
• Surgery
• Ultrasounds
• X-rays

Lemonade excludes some services from its policy that other insurance providers on our list cover — namely physical therapy, dental injuries and behavioral conditions. Policy benefits range from $5,000 to $100,000 annually, which is average based on our review of other providers.

To round out coverage, pet owners can upgrade their Lemonade plans with the following add-on options:

• Behavioral conditions
• Dental illness
• End of life and remembrance
• Physical therapy
• Routine care (including a plan that covers spaying and neutering for puppies and kittens)
• Vet visit fees

Learn more in our Lemonade Pet Insurance review.

We rated Spot 4.5 out of 5 stars and think it is worth considering for pet parents seeking comprehensive coverage. Spot offers the option to add unlimited annual coverage for both dogs and cats. Plans also provide coverage for unique treatments such as acupuncture and illnesses such as dental damage as standard coverages, allowing you to use policy benefits in a wider range of circumstances.

While comprehensive, Spot’s accident and illness plan generally costs more than our estimated state average. Budget-minded pet parents who want basic coverage might consider Spot’s lower-cost, accident-only plan.

Based on our research, the average Spot policyholder in Indiana can expect to pay $53 per month for coverage, which is higher than our estimated state average of $43.

Comparing annual premium costs to estimate annual pet ownership expenses, including vet visits, emergencies, vaccines and medications, we found Spot policyholders could lose $51 per year. However, your experience may vary depending on your selected coverage and how often you use your pet’s policy.

Spot offers a comprehensive accident and illness plan that covers conditions and treatments related to unexpected emergencies and pet sickness. The company also offers an accident-only plan with more limited coverage that only extends to accidental situations, such as a broken bone.

Spot’s policies include a standard list of exclusions, including pre-existing conditions, cosmetic treatments and organ transplants. Like other pet insurance providers, it does not cover routine care and vet visits unless you pay for a wellness care package.

Spot offers two tiers of wellness benefits as its only add-on options. The Gold plan offers up to $250 in annual benefits and the Platinum plan includes up to $425.

Check out our Spot Pet Insurance review to learn more.

Those looking for discounts might consider Embrace, which we gave 4.7 out of 5 stars. You can save by enrolling more than one pet, and active and former military members can save up to 10%. The company also has a savings program that discounts premiums by up to 10% if you keep your pet’s annual reimbursements under $300.

Based on our research, Embrace’s coverage is generally more affordable than the state average — and the company offers an unlimited annual coverage option. However, Embrace does not cover exam fees or prescription drugs unless you pay extra for add-ons.

The average price of Embrace pet insurance in Indiana is $42 per month, which is about average in the state.

When we compared annual premium costs and estimated annual pet ownership expenses, we found Embrace policyholders could save $72 per year.

Embrace offers an accident and illness policy that covers standard services such as diagnostic testing, emergency care and surgery. Coverage also includes behavioral therapy and prosthetic limbs and devices.

Embrace excludes pre-existing conditions and organ transplants from coverage, which is standard across the providers we reviewed. It also does not cover prescription medication without an add-on or any type of boarding service.

Embrace offers two levels of wellness coverage with benefits between $250 or $650 annually. Customers can also purchase add-on coverage for exam fees or prescription drugs.

See our full Embrace Pet Insurance review to learn more.

Pet owners in Indiana considering Healthy Paws insurance do not have to choose between unlimited coverage limits and below-average premium costs. The company, which earned 4 out of 5 stars, offers unlimited coverage on all plans and costs an average of $37 per month, according to our research.

Healthy Paws offers inclusive plans with coverage for alternative treatments and bilateral conditions. However, Healthy Paws may not be the best option for senior pets and those predisposed to hip dysplasia because it only covers the condition in pets younger than 6 years old and enforces a 12-month waiting period.

We found the average cost of a Healthy Paws policy in Indiana is $37 per month, which is under our estimated state average of $43.

Based on our comparison of annual premium costs to estimated annual pet ownership expenses, we found Healthy Paws policyholders could save $138 per year.

Healthy Paws offers an accident and illness plan that covers standard treatments and more unique services such as alternative or holistic treatments. However, the company does not cover veterinary exam fees or offer policy add-ons, including routine care plans.

Read our full review of Healthy Paws Pet Insurance to learn more.

After reviewing multiple pet insurers, we found it less common to find a plan offering 100% reimbursement on eligible pet care costs. Figo, which we gave 4.7 out of 5 stars, offers full reimbursement on eligible costs when you choose a $500 or $750 deductible.

Figo offers comprehensive policies with costs related to euthanasia and prescription medications included as standard coverage. While it requires higher deductibles to access more affordable rates, it may be a worthwhile option for customers seeking wide-reaching coverage and higher reimbursements.

Based on our research, the average price of a Figo pet insurance policy is $43 per month, which is about average in the state.

Comparing annual premium costs to estimated annual pet ownership expenses, including vet visits, emergencies, medication and vaccines, we determined Figo policyholders could save $66 per year.

Figo has an accident and illness plan with comprehensive coverage of related services and conditions. The company’s exclusions list is pretty standard, including preventative dental care and elective and cosmetic procedures. Figo also offers an add-on for vet exam fees and two types of wellness plans.

See our review of Figo Pet Insurance for more information.

Comprehensive coverage is the main feature of Fetch’s pet insurance policies. With coverage for microchipping and anal gland expressions, we find that Fetch, which earned 4.3 out of 5 stars, could be worth considering for young and old pets. However, Fetch offers lower coverage limits than other providers on our list, which max out at $15,000 annually.

Our research found that the average cost of a Fetch policy in Indiana is $62 per month, which is nearly $20 more expensive than the state average of $43.

When we compared annual premium costs and estimated annual pet ownership expenses, we found Fetch policyholders could lose $162 per year. Keep in mind, however, that your experience will vary based on your pet’s coverage and how often you file claims.

A Fetch accident and illness plan covers various treatments and conditions, such as alternative therapies, cancer and chronic conditions, as well as diagnostic testing and hospitalization. Fetch also offers three tiers of wellness packages:

• Wellness Essentials: $315 in annual benefits
• Wellness Advantage: $520 in annual benefits
• Wellness Prime: $735 in annual benefits

Check out our review of Fetch Pet Insurance to learn more.

Typically, pet insurance requires you pay your vet bills onsight and file a claim for reimbursement afterward. Trupanion, which got 4.2 out of 5 stars, is one of the few pet insurance companies we reviewed that can pay your vet directly at the time of service.

Like Healthy Paws, Trupanion offers an accident and illness plan with unlimited coverage. Plus, its plans provide a 90% reimbursement rate, leaving you responsible for premiums, deductibles and 10% of eligible bills. These features can make Trupanion appealing to those looking to pay as little as possible out-of-pocket on each claim.

However, Trupanion’s coverage is more expensive than the state average, especially for dogs. The company also excludes coverages for behavioral issues and alternative treatments.

On average, Trupanion pet insurance costs $78 per month in Indiana — nearly double the state average of $43.

When we compared annual premium costs to estimated annual pet ownership expenses, we found that Trupanion policyholders could lose $350 per year. However, your experience may vary. Some customers may also find the higher premiums worth the cost for the level of coverage the company offers.

Trupanion offers one accident and illness plan that includes standard coverages but does not cover the following:

• Acupuncture
• Behavioral modification
• Chiropractic
• Exam visits
• Homeopathy
• Hydrotherapy
• Naturopathy
• Physical therapy
• Pre-existing conditions
• Rehabilitative therapy
• Wellness care

Trupanion sells a recovery and complementary care add-on that can help pay for treatments such as acupuncture and physical therapy. Its pet owner assistance rider can also reimburse customers for lost pet advertising, cremation and boarding fees if the owner is hospitalized.

Read our full review of Trupanion to get more information.