Best Pet Insurance in Indiana: Top Companies & Plans (2022 Review)

by

Indiana is called the Hospitality State, a fitting name for a state with so many incredible experiences. Whether you’re visiting or live in Indiana, you should check out the fantastic Covered Bridge Festival, the Indianapolis Zoo, the Indiana Caverns, Indianapolis Motor Speedway, and so much more. Many of these attractions are even pet-friendly, which is a massive plus for pet parents. 

However, you should keep in mind that your pet can become ill or injured at any age. Even if your dog or cat is young and healthy now, it could have an accident or develop an illness. Pet insurance gives you a financial safety net so that you never have to worry about not being able to afford your pet’s veterinary bills. 

In this piece on the best pet insurance in Indiana, we’ll cover the following top pet insurance providers: 

  • Spot Pet Insurance
  • Lemonade
  • Embrace
  • Healthy Paws
  • ASPCA Pet Insurance

Best Overall

spot pet insurance logo

OUR RATING: 4.9

Most Affordable

Lemonade Pet Insurance Logo

OUR RATING: 4.8

Best for Deductibles

Embrace Pet Insurance Logo

OUR RATING: 4.7

Best Indiana Pet Insurance Companies & Plans

Provider Visit Site Waiting Period  Money-back Guarantee Maximum Enroll Age BBB Rating
Spot Site Link 14 days* Yes No age limit A
Lemonade Site Link 14 days for illnesses*, 48 hours for accidents  No 14 years old F
Embrace Site Link 14 days for illnesses*, 48 hours for accidents Yes 14 years old A+
Healthy Paws Site Link 15 days* Yes 14 years old A-
ASPCA Site Link 15 days*  Yes No age limit N/A

*Certain conditions, such as cruciate ligaments or orthopedic conditions, may have longer waiting period times, usually six months to a year. This is common among many pet insurance providers, but most illnesses will be covered after the waiting period listed above. 

Pet Insurance Companies in Indiana Reviews

Pet health insurance shopping can be challenging due to the abundant number of providers on the market. To help you out, our team at 365 Pet Insurance has compiled the following information about Indiana pet insurance providers. Take time to carefully assess what you’re looking for in a plan and what type of coverage would benefit your pet most. 

Keep reading to learn more about the strengths and weaknesses of each provider, and the different things each offers from its rates to coverage, charitable giving, claim submission process, discounts, and much more. 

Spot 

Spot pet insurance is an excellent choice for pet parents interested in multiple, comprehensive wellness plan options for their pets. It also offers customizable accident and accident and illness pet insurance plans. A significant benefit of the accident-only plan is that it will give you peace of mind if your pet is injured, and pricing starts at an affordable $10 per month. Spot’s accident and illness plans start at $16 per month but typically cost closer to $40 for dogs and $22 for cats. With an accident and illness plan, your pet can receive coverage for developed illnesses, such as diabetes, hypothyroidism, behavioral issues, and much more. Its wellness plans are offered in two tiers at $9.95 per month for its basic plan and $24.95 per month for its platinum plan. Wellness plans through Spot will cover bills for routine checkups, regular dental cleanings, spaying/neutering, vaccinations, and more. 

Spot pet insurance will not cover pre-existing conditions, cosmetic procedures, and any breeding or pregnancy-related costs, which are all typical pet insurance exclusions. It doesn’t offer coverage for prescription pet food or exotic animals, but we love that it provides extensive behavioral issues coverage, which many providers don’t cover. Cesar Millan is a partner of Spot’s, so this is a fitting coverage feature. 

Overall, we love that Spot has some of the best wellness coverage on the market and is passionate about behavioral health. We also like that it offers a user-friendly mobile app that allows you to submit claims, view your pet insurance policy, track claims, and more. 

Pros 

  • Multiple preventive care packages
  • 10% multi-pet discount
  • No age restrictions
  • Offers behavioral issues coverage

Cons

  • Doesn’t cover prescription pet food
  • No exotic animal coverage

Lemonade 

Lemonade is a New York-based pet insurance company that offers pet, homeowners, renters, car, and life insurance policies. If you bundle your policies, you can receive a discount which is a great feature for pet parents looking for other types of coverage. You can also get 5% off your pet insurance plan if you enroll multiple pets with Lemonade. On top of this, Lemonade is more affordable than most providers and offers accident and illness plans starting at $10 per month, with its plans averaging $37 per month for dogs and $15 per month for cats. 

Its accident and illness plans cover diagnostic tests, prescription medications, hospitalizations, surgeries, outpatient care, and much more. Lemonade also has several preventative package add-ons, including a preventive care package, a kitten and puppy preventative care package, and add-ons for vet visit fees and physical therapy costs. Its kitten and puppy preventative care package provides extra wellness coverage for things like spay/neuter surgery, additional vaccines, routine dental cleanings, preventatives, microchipping, and more. 

Lemonade won’t cover pre-existing conditions, exotic animals, cosmetic procedures, and dental procedures. It also lacks an accident-only plan. However, we like that it has a user-friendly online interface and mobile app that allows you to submit and track claims, view your policy, contact customer service, and much more. Lemonade’s mobile app can process claims within minutes because of the artificial intelligence used to process your claim, saving you days and even weeks that other companies may need to finish processing your claim. Its multiple discount options are also a big plus for pet parents looking to save money. Overall, Lemonade is a great, more affordable option with many customization options and discount perks. 

Pros 

  • Completely online experience
  • Offers preventative packages specific to puppies and kittens
  • Coverage for physical therapy and exam fees
  • 5% multi-pet discount

Cons

  • New to the industry
  • Six-month waiting period for cruciate ligament events

Embrace 

Embrace pet insurance is an incredible option for pet parents looking for extensive coverage for their pets. It only offers accident and illness coverage, and its plans cover hip dysplasia, cancer, diabetes, and many other health problems. You can expect to pay anywhere between $20 and $100 per month, depending on the type of coverage options you choose with Embrace. 

It also has three wellness plans, which are an additional $18.75 per month with a $250 yearly allowance, $35.43 per month with a $450 yearly allowance, or $52.09 per month with a $650 allowance per year. These are among the highest wellness plan yearly allowances on the market, so if you’re looking for thorough routine care, Embrace may be a great choice for you. Its wellness plans cover things like wellness exam fees, microchipping, spaying/neutering, vaccinations, grooming, prescription diet food, and more. 

Embrace won’t cover exotic animals or pre-existing conditions but will cover curable conditions if your pet remains symptom-free for 12 months. This is rare in the pet insurance industry and a definite bonus for pet parents. We also like that it offers a Healthy Pet Deductible which reduces your deductible by $50 each year that you don’t submit a claim. Embrace also has a generous 10% multi-pet discount and 5% military discount. 

Overall, we like that Embrace has thorough coverage, multiple wellness plans, and several discount options. We don’t like that it has an annual reimbursement limit of $30,000 and higher prices than some providers. However, this is a strong option if you’re looking for nose to tail coverage. 

Pros 

  • Offers mobile app for easy claim submission
  • Donates $2 to charity for every policy sold
  • Comprehensive accident and illness coverage
  • Can receive coverage for curable pre-existing conditions

Cons

  • Annual maximums
  • Rigid pre-existing conditions policy

Healthy Paws 

For pet parents looking for a more affordable option with unlimited maximum payouts, Healthy Paws pet insurance is a great choice. It is underwritten by The Chubb Group, an A+ rated pet insurer with over $25 billion in surplus. Healthy Paws is also a highly charitable pet insurance provider that has donated to over 300 nonprofit pet organizations with its Every Quote Gives Hope and Refer-A-Friend grant programs. This has led to $1.6 million in donations so far. 

Healthy Paws offers an accident and illness plan, which provides coverage for hereditary conditions, X-rays, surgeries, congenital conditions, alternative treatments, cancer, diagnostic treatments, and much more. Dog insurance starts at $25 per month, with an average $40 monthly premium. On the other hand, cat insurance starts at $12 per month, with an average $20 monthly premium. Like most providers, Healthy Paws does not cover pre-existing conditions, exotic animals, dental cleaning, and spay/neuter procedures. We love that all Healthy Paws plans have unlimited maximum limits so that you never have to worry about being denied payouts after hitting a limit. 

We don’t love that Healthy Paws’ pet insurance does not have a multi-pet discount as this is a con for the many pet parents with multiple pets. It also has an upper limit of 14 years, so you can’t sign your pet up after its 14th birthday. 

Overall, we love that Healthy Paws has comprehensive accident and illness plans with unlimited payouts and has a user-friendly mobile app that makes claim submission easy. However, if you’re looking for a wellness plan, you’ll need to look at other providers. 

Pros 

  • Underwritten by the A+ rated insurer, The Chubb Group
  • More affordable than most providers
  • Unlimited maximum payouts
  • Offers a user-friendly mobile app

Cons

  • 12-month waiting period for illnesses related to hip dysplasia
  • No wellness plan options

ASPCA 

ASPCA pet insurance is a partner of the American Society for the Prevention of Cruelty to Animals, which gives it significant respect in the pet insurance market. It offers many customization options, ranging from personalized deductibles to annual limits, reimbursement rates, as well as multiple pet insurance plan choices. We love that it offers more affordable accident-only and wellness plans. It also has a great member center app that allows you to submit and track your claims, contact ASPCA, review your benefits, and pay your bill. ASPCA also has a 10% multi-pet discount and a 30-day money-back guarantee. 

ASPCA’s accident and illness plan includes coverage for many things, including behavioral issues, hereditary conditions, digestive problems, accidents, and much more. It does have dental coverage. However, we want to note that its dental coverage is less extensive than other providers with dental coverage. You can expect to pay $48.78 on average for dogs and $29.16 on average for cats each month. If you’re looking for a more affordable plan, consider ASPCA’s accident-only plan, which gives catastrophe coverage for accidents at a less expensive rate. Neither the accident-only nor accident and illness plan will cover pre-existing conditions, preventive care, exotic animals, breeding costs, and cosmetic procedures. 

If you’re interested in wellness plans, you can expect to pay $9.95 per month for its basic wellness plan and $24.95 per month for its prime wellness plan. Both of these plans offer coverage for dental cleanings, wellness exams, vaccinations, deworming, routine blood work, and more. Overall, we like that ASPCA has so many plan options, a multi-pet discount, low annual deductibles, and it doesn’t require an enrollment exam. We don’t like that it has a lower annual limit and limited dental coverage. 

Pros

  • No exam is required before enrollment
  • 10% multi-pet discount
  • Offers accident-only coverage
  • Lower deductibles than many companies

Cons

  • Low annual limits
  • Minimal dental coverage

How Does Pet Insurance Work in Indiana

Pet insurance works by reimbursing you for covered out-of-pocket veterinary expenses. When your pet is on an active pet insurance plan, you can take your pet to the vet or an animal hospital and have it treated. Then, you’ll pay the vet bill out of pocket and submit your claim to your pet insurance provider. Once the claim is approved, your provider will reimburse you based on the reimbursement percentage in your policy. This percentage is typically between 50 and 90. Then you’ll be responsible for the remaining portion of the vet bill. 

Pet insurance is a great way to give yourself peace of mind that your pet will be covered should it have an unexpected accident or illness. You can also enroll it in a wellness plan, which covers routine veterinary care such as checkups, vaccinations, and regular testing. 

How to Choose the Best Pet Insurance in Indiana for You 

Pet insurance is a personal choice, and it can be overwhelming and even frustrating to sort through all the options available. We recommend starting with the type of plan you’re interested in. There are three primary types of pet insurance plans: 

  • Accident-only plans: Accident-only plans help with the costs of accidents, such as broken bones, foreign object ingestion, lacerations, animal bites, and toxin ingestion. It will not cover routine veterinary care or illness treatment costs. 
  • Accident and illness plans: Accident and illness plans will cover everything an accident-only plan covers, and illnesses, such as cancer, diabetes, infections, and hereditary conditions. This is usually the most comprehensive type of coverage a pet insurance provider will offer. It will not cover routine veterinary care. 
  • Wellness or preventative care coverage: Wellness plans help with the everyday, expected veterinary costs of caring for a pet. These plans typically include checkups, vaccinations, routine blood work, dental cleanings, and more. Wellness plans are usually an add-on to one of the other pet insurance plans and cannot be purchased independently.

Next, consider what other features are important to you in a pet insurance provider. Think about the following factors before choosing a pet insurance plan and provider: 

  • Does the plan provide your pet with dental illness coverage?
  • Are their wellness or preventative care options available through this provider?
  • Does this provider offer coverage for prescription diets and medications?
  • Is it necessary to you to have coverage for alternative therapies, such as physical therapy or acupuncture?
  • How are this provider’s rates compared to other companies?
  • Are customization options available? Can you personalize your coverage level, deductible, reimbursement percentage, and annual limit?
  • Does it offer a plan with unlimited annual or lifetime coverage?
  • Can you communicate with the pet insurance provider through your favorite communication method? (email, live chat, phone, etc.?) 
  • Is there a user-friendly mobile app available?

How Much Does Pet Insurance Cost In Indiana?

Your monthly premium can vary greatly depending on where you live in Indiana and your pet’s age, health, and breed. The type of plan you choose will also impact the overall cost, especially if you decide to add a wellness plan to your coverage. Typically, you can expect to pay around $45 for dog insurance and $25 for cats monthly in Indiana, excluding a wellness plan. A wellness plan will usually add anywhere between $10 to $25 to your monthly premium. 

Shopping around can help you save a significant amount of money on your pet insurance. Take a moment to look at available discounts and bundling options to see if you can save more money. 

Provider Sample Monthly Cost For Dogs Sample Monthly Cost For Cats Sample Monthly Wellness Cost
Spot $40 $22 $9.95 (gold), $24.95 (platinum)
Lemonade $37 $15 $10 to $34/month for cats, $15 to $40/month for dogs
Embrace $35 $18 $35
Healthy Paws $39 $12 Not offered
ASPCA $49 $29 $9.95 (basic), $24.95 (prime)

Monthly Cost of Pet Insurance by City in Indiana

Here are some examples of monthly premiums for pet insurance in different Indiana cities. These rates are based on the most popular policy, which pays 80% of the bill with a $250 deductible. It’s also based on a mixed breed, 55-pound dog that is 4 years old.

City Monthly Cost
Indianapolis $48.12
Terre Haute $34.74
South Bend $41.43
Lafayette $34.48
Fort Wayne $34.74

Final Thoughts

Pet insurance is a valuable asset for pet parents looking to protect themselves financially should their pets have accidents or develop illnesses. With pet insurance, you can have peace of mind knowing that your pet is covered if it is injured or falls ill. Pet insurance lets you choose treatments for your pet based on what is best for it, rather than having to select or skip a treatment based on cost. 

Veterinary care is constantly advancing, which is great news for pet parents. However, it also means that veterinary costs will only continue to rise. Consider this when choosing a pet insurance provider: what will best benefit you and your pet in the long run? We recommend gathering several free pet insurance quotes from multiple pet insurance providers before enrolling your pet in a plan. 

Information for Pet Owners in Indiana

The Hospitality State doesn’t discriminate against pets. Indiana is overflowing with pet-friendly locations and establishments. Take your pet on an adventure this weekend to one of these beautiful pet-friendly locations. Before you leave for your adventure, make sure you’re aware of Indiana pet laws so that your adventure stays fun. Keep reading for everything you need to know about Indiana and pet fun. 

Indiana Pet Laws 

Double-check that you’re aware of the following Indiana pet laws before taking your pet on a fun trip throughout Indiana: 

  • Indiana has strict laws about pets being up-to-date on their vaccinations. If you’re harboring a non-immunized dog, you can be charged with a criminal offense, so double-check that your dog is up-to-date on its shots. 
  • Owners have strict liability for their pets. If your dog or cat bites someone else or another animal, you may be liable for damages incurred. 
  • There is not a leash law throughout the state of Indiana. However, many cities of Indiana do have leash laws, so we recommend that you research the area you’re in before taking your dog on a leash-less stroll. 

Fun Things to Do With Your Pet in IN 

Whether you’re a visitor or a resident of Indiana, there are plenty of pet-friendly experiences to be had. Check out the following pet-friendly locales: 

  • Indiana Dunes in Charleston: Your dog can be off-leash on this enormous beach. It’s known for having a breathtaking sunset. 
  • Plump’s Last Shot in Indianapolis: This pet-friendly restaurant features casual, pub-style food with a warm atmosphere and a pet-friendly outdoor patio. 
  • Fire by the Moon in Indianapolis: Another dog-friendly restaurant featuring an outdoor patio. This restaurant features casual pub food. 
  • Ivanhoe’s Drive-in in Upland: A drive-in restaurant sure to make your pet feel at home. The outdoor seating is plentiful, and the location is on point. 
  • Swiss Heritage Village in Linn Grove: There is a museum for humans to visit here and many beautiful trails that are dog-friendly and great for adventures. 

Indiana Pet Resources

If you or someone you know is in need, we recommend checking out these great Indiana pet resources: 

  • Michiana Animal Rescue Coalition: This animal rescue helps save dogs and cats from high kill shelters. It also offers low-cost vaccinations, wellness checks, microchipping, and spay/neuter services. 
  • Kokomo Humane Society: This humane society features a community pet food pantry between Monday and Friday. One bag of pet food is allowed per household. 
  • Fort Worth Pet Food Pantry: This pantry provides pet food at no cost to pet parents struggling to feed their pets. 
  • Vanderburgh Humane Society: This humane society provides spay/neuter assistance, behavior issue assistance, and offers pet food help. You can also reach out to them about end-of-life services. 

Our Methodology

The 365 Pet Insurance research team looks at all pet insurance policies and comes up with our reviews based on coverage, plan options, cost, reputation, customer service, and species eligibility. We’ve also created a rating system to score pet insurance brands.

We’ve consulted with pet experts and dug into plans to develop what we think are the best overall plans, complete with ratings on coverage, how they handle claims, reimbursements, deductibles, limits, and more.

To make our list, pet insurance companies must have:

  • A variety of plan options
  • Affordable monthly rates

Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.