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

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Because of its low elevation and coastal access to the Gulf of Mexico, Louisiana is notoriously prone to brutal storm surges and harsh hurricane seasons. Natural disasters are just one example of an emergency that could leave your pet in need of urgent veterinary attention. 

On a much smaller scale, other accidents, like toxic ingestions or allergic reactions, can be equally as expensive to treat. Pet insurance covers the bulk of emergency veterinary costs, so you can prioritize your pet’s recovery without having to worry about how you’ll afford it. 

Louisiana residents know that disasters don’t wait. To help you stay prepared, we’ve evaluated the following four providers offering the most comprehensive pet insurance in Louisiana:

  • Spot
  • Embrace 
  • Healthy Paws
  • ASPCA

Best Overall

ASPCA Logo

OUR RATING: 4.9

Best for Deductibles

Embrace Pet Insurance Logo

OUR RATING: 4.7

Best for Chronic Conditions

Healthy Paws Pet Insurance

OUR RATING: 4.6

Best Louisiana Pet Insurance Companies & Plans

Provider Visit Site Waiting Period Money Back Guarantee Maximum Enroll Age BBB Rating
Spot Site Link 14 days Yes No upper age limit A
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 upper age limit N/A

Pet Insurance Companies in Louisiana Reviews

Each of the four providers mentioned in this article only offers insurance for cats and dogs (except for limited equine coverage offered by ASPCA, which doesn’t apply in LA.) If you’re looking to cover a nontraditional pet, we recommend you check out our guide on the best pet insurance for exotic animals

Spot

Most pet insurance companies consider behavioral training, alternative therapies, and microchipping as add-on inclusions, but Spot is different. Spot earned its place as our top pick for solid pet insurance in Louisiana by offering comprehensive coverage with no upper age limits, an option for unlimited annual payout benefits, and a 10% discount for customers who enroll more than one pet. 

Spot’s accident-only coverage is perfect for customers with a more conservative budget who still want to secure insurance for unexpected injuries that might require something like an X-ray or even an emergency hospitalization. 

No matter if you opt for accident-only or accident-illness coverage, all Spot policyholders can choose from the same customizable coverage options of:

  • Six annual coverage caps, including an unlimited option
  • Five annual deductibles, as low as $100
  • Three reimbursement rates of up to 90%
  • Two wellness plans — Gold ($9.95 per month) or Platinum ($24.95 per month)

On average, accident-illness coverage through Spot will cost Louisiana pet owners between $25 to $40 per month for dog insurance and $14 to $25 for cat insurance.

Pros and Cons

Pros

  • No age restrictions on initial enrollment eligibility
  • Offers an unlimited annual coverage option
  • 24/7 telehealth helpline

Cons

  • Specific exclusions on bilateral conditions
  • Doesn’t cover prescription pet food for general health maintenance 

Relevant Inclusions and Exclusions

Chaired by dog behaviorist Cesar Millan, it comes as no surprise that Spot includes treatment for behavioral issues as a covered item in both of its base plan levels. Spot’s behavioral rehabilitation inclusion is specifically designed to cover vet costs related to compulsive tendencies like aggression, separation anxiety, dietary indiscretion, excessive licking or chewing, fur pulling, destruction of the home, and more. 

To learn more about Spot’s coverage, check out our more in-depth Spot pet insurance review

Embrace

We’d most recommend an Embrace policy for pets that don’t often get sick or have minimal breed-specific predispositions, like heartier mixed breed dogs and cats. Though accidents and illnesses are inevitable, Embrace’s Healthy Pet Deductible rewards conscientious pet owners for keeping their pets in good shape. For every year a policyholder goes without needing to file a claim, they’ll receive $50 off their annual deductible.

Even if you don’t make it a year without filing a claim, you can still create a budget-friendly policy by customizing your coverage options of:

  • Six annual coverage caps, up to $30,000
  • Five annual deductibles, as low as $200
  • Three reimbursement rates of up to 90%
  • Three annual wellness allowances of $250, $450, or $650 

Louisiana pet parents interested in coverage through Embrace should expect to pay between $35 and $60 per month for dogs and $20 to $40 for cats.

Instead of a standard wellness plan, Embrace offers non-insurance preventative care coverage through its Wellness Rewards program, which covers 100% of your pet’s routine care needs within your selected annual limit. Each stipend level has a cash benefit of about $25. For instance, if you chose the $250 annual limit, which costs an additional $18.25 per month, you’ll be paying a total of $225 per year. 

Pros and Cons

Pros

  • Embrace-exclusive vanishing deductible feature
  • Covers up to $1,000 per year for eligible dental expenses
  • Offer a non-insurance Wellness Rewards program

Cons

  • Accident-illness eligibility is reserved for pets under the age of 14 only
  • A six-month waiting period for orthopedic conditions like hip dysplasia and cruciate ligament injuries

Relevant Inclusions and Exclusions

Like all other pet insurance providers, Embrace doesn’t cover pre-existing conditions. However, Embrace is one of only a handful of companies that distinguishes between curable and incurable pre-existing conditions. If your pet can go 12 months without exhibiting symptoms of a curable condition, it may be eligible for coverage should it reoccur in the future. Examples of common curable pre-existing conditions include ear infections, diarrhea, vomiting, respiratory infections, etc. 

Embrace throws in a free, optional medical history review for a policyholder who isn’t sure of what will and won’t be covered in terms of their pet’s present healthcare needs. Requesting a review of your pet’s medical history is the most effective way of understanding how Embrace’s inclusions and exclusions apply specifically to your pet. 

Want to hear more about how an Embrace policy could be right for you and your pet? Take a look at our complete Embrace pet insurance review

Healthy Paws

Healthy Paws is ideal for pet parents looking for practical emergency coverage with automatic unlimited annual coverage benefits and an average claim turnaround time of just two days. Healthy Paws only offers one accident-illness policy, covering enrolled pets for a wide range of veterinary services, from prescription medications to intensive cancer treatment. 

We wouldn’t recommend Healthy Paws for seniors or even pets over the age of six, for that matter. Dogs and cats over the age of 14 won’t be eligible to register for coverage at all. Also, Healthy Paws only covers hip dysplasia in dogs 6 years old or younger at enrollment, leaving pet owners with older dogs on their own to cover the $3,500+ in treatment costs. 

Older pets also have overall narrower less protection according to Healthy Paws’ coverage breakdown:

  • Dogs and cats 5 years and below — Three annual deductible options as low as $100 and three reimbursement rates of up to 90%
  • Dogs and cats between 6 and 7 years old — Three annual deductible options as low as $250 and three reimbursement rates of up to 80%
  • Dogs 8 years and up— Two annual deductible options of $750 or $1,000 and two reimbursement rates of 50 or 60%

Healthy Paws accident-illness coverage for dogs in Louisiana will cost an average of $35 per month and around $16 for cats. 

To help its customers prioritize coverage for unexpected injuries and illnesses rather than the predictable veterinary costs of pet ownership like general health maintenance, Healthy Paws doesn’t offer any form of coverage for preventative care. 

Pros and Cons

Pros

  • No maximum annual or lifetime payouts
  • Upholds a strong philanthropic arm that has donated over $1.6 million to shelters, rescues, and nonprofit animal welfare organizations
  • Covers alternative therapies like acupuncture, chiropractic care, hydrotherapy, laser therapy, and more

Cons

  • One-time admin fee of $25
  • 12-month waiting period for hip dysplasia coverage
  • Stringent age-based restrictions on overall coverage and enrollment eligibility

Relevant Inclusions and Exclusions

Because Healthy Paws does not cover preventative care expenses, you won’t be able to find coverage for exam fees, core vaccines, parasite prevention, dental healthcare, spaying/neutering, behavioral training, or prescription pet food for general health support.

Feel free to read our more detailed Healthy Paws pet insurance review for further information on Healthy Paws.

ASPCA

When Hurricane Ida ravaged Southern Louisiana in August of 2021, ASPCA didn’t hesitate to deploy its own disaster response teams from around the country, which ultimately aided over 700 affected animals. And back in 2005, in the aftermath of Hurricane Katrina, ASPCA contributed over $13 million in animal welfare grants to fund veterinary, rescue, and reunion efforts. 

ASPCA is still helping cats and dogs access the veterinary care they need in emergencies, big or small, through its robust pet insurance plans. Whether you enroll in an accident-only or ASPCA’s Complete Coverage accident-illness base plan, you’ll be able to modify your monthly premium by choosing from: 

  • Five annual coverage caps of up to $10,000
  • Three annual deductibles, as low as $100
  • Three reimbursement rates of up to 90%
  • Two wellness plans — Basic ($9.95 per month) or Prime ($24.95 per month)

If you’re looking to cover a furry family member in Louisiana with an ASPCA accident-illness policy, you’ll likely pay between $25 to $40 per month for dogs and $14 to $25 for cats.

Pros and Cons

Pros

  • 14-day waiting period for all covered conditions, even orthopedic injuries
  • Offers exam fees and microchipping as standard inclusions for both plan levels
  • 10% multi-pet discount

Cons

  • Highest annual payout limit is only $10,000
  • Exclusions on specific bilateral conditions may apply

Relevant Inclusions and Exclusions

Bilateral conditions are health issues that affect both sides of the body, such as cataracts, hip dysplasia, or cruciate ligament injuries. ASPCA has bilateral exclusions, specifically regarding orthopedic conditions like cruciate ligament tears and knee injuries. 

So, say, for example, your pet developed hip dysplasia in its left hip before your ASPCA policy was active. Should hip dysplasia form in your pet’s right side, even though your pet is actively insured, Spot won’t cover it. In other words, hip dysplasia would be considered a pre-existing condition since your pet was symptomatic beforehand. 

Read on about ASPCA and its insurance coverage specifics in our updated ASPCA pet insurance review.

How Does Pet Insurance Work in Louisiana?

You can use your pet insurance policy at any animal hospital in Louisiana, as long as a licensed veterinarian treats your pet. Standard pet insurance follows a reimbursement-based model, so you won’t have to worry about making sure you’re in-network because, unlike human healthcare, there are no networks. 

A few providers like Healthy Paws, Trupanion, Pets Best, and Fetch offer the option for direct-vet pay in instances where you might not have the money to cover a hefty veterinary bill out-of-pocket. To opt for direct payment, your vet just needs to agree to be compensated this way. 

A pet owner who is able to cover upfront costs at the time of the appointment can initiate the reimbursement process by simply submitting a claim to their provider online, via a mobile app, or even by snail mail or fax.  

As you file your claim, whether online or on paper, you’ll likely be asked to provide some context concerning the incident that needed treatment. You’ll also need to include all itemized expenses from the vet visit. 

Once your claim is submitted, it’ll enter a review period where your provider will either approve or defer you for reimbursement. Assuming your claim is approved, you’ll receive a refund based on your annual deductible, coverage limit, and reimbursement percentage. Reimbursements are typically delivered as physical checks or direct deposits into your bank account. 

How to Choose the Best Pet Insurance in Louisiana for You

Though we’ve highlighted four reputable providers offering the overall best pet insurance in Louisiana, the most compatible plan for you will depend on your pet’s healthcare needs and your financial flexibility. 

To help you narrow down your options even further, here are some key points to consider when comparing providers and policies:

    • Study what isn’t covered. 

If a provider pitches you a low monthly premium that seems too good to be true, it probably is. Before you’re swept off your feet by a low price, study each providers’ full list of exclusions, which are usually available through a sample policy. 

Know that all pet insurers exclude pre-existing conditions from their coverage. Most also don’t offer standard coverage for preventative care like annual checkups, routine diagnostic testing, vaccines, dental hygiene, and even spaying/neutering, but wellness care is often sold as an optional add-on

    • Find out how long the waiting periods are.

All pet health insurance plans have waiting periods to keep a customer from purchasing a policy just to cover the vet bill for an accident or illness already immediately at hand. The average waiting period for accident coverage is between two and 14 days. Illnesses are usually eligible for coverage after around 14 days as well. 

Some providers instate lengthy waiting periods of six months or even a year for more complex conditions like hip dysplasia, cruciate ligament injuries, and other orthopedic events. 

If you have a breed that perhaps has a genetic predisposition for orthopedic conditions, you’ll want to prioritize finding a provider with the most accommodating waiting period. 

    • Generate a custom pet insurance quote. 

To find out exactly how your pet’s healthcare needs and location might make or break your pet insurance premium, go ahead and generate some made-to-order quotes from a few providers. 

Upon requesting a personalized quote, you’ll be asked to provide some background information on you and your pet, namely your pet’s age, breed, and the ZIP code of where you both live. Your location in Louisiana holds a good bit of weight in how expensive your monthly premium might be, as all pet insurance providers factor the local cost of living into their estimations.  

How Much Does Pet Insurance in Louisiana Cost?

On average, standard accident-illness coverage in Louisiana can cost anywhere from $25 to $40 per month for dog insurance and $14 to $20 for cat insurance. 

To demonstrate just how much monthly premiums in Louisiana tend to vary between each of these four leading providers, we’ve requested pet insurance quotes for one dog breed and one cat breed, as they appear in the table below.

The following estimates are based on an alias policyholder with a 2-year-old pet — either a medium mix breed dog or a domestic short-haired kitty — living in New Orleans, Louisiana. We selected the most popular accident-illness plan customizations as recommended by each provider. Sample wellness costs for our dog and cat insurance quotes chose the most basic add-on available.

Provider Sample Monthly Cost For Dogs Sample Monthly Cost For Cats Sample Monthly Wellness Cost
Spot $26.41 $14.76 $36.36 for dogs; $24.71 for cats
Embrace $38.53 $20.89 $57.28 for dogs; $39.64 for cats
Healthy Paws $35.28 $16.51 N/A
ASPCA $26.41 $14.76 $36.36 for dogs; $24.71 for cats

Final Thoughts

“Is it worth it?” is perhaps the most common question asked by pet owners torn between the monthly cost of pet insurance and their odds of actually using their coverage. The bottom line of what makes pet insurance worth the $30 to $40 per month is how that premium pales in comparison to the estimated $1,500+ cost of just one emergency vet visit. 

And depending on your financial situation, whether or not you have pet insurance could easily mean making a life or death decision for your pet. No owner should have to decide on humane euthanasia just because they can’t afford treatment costs, yet it happens far too often. 

By enrolling in the right policy, you’ll have peace of mind knowing you’ve guaranteed your pet the access to comprehensive veterinary care it deserves, without even having to give thought to how much it’ll cost. 

Information for Pet Owners in Louisiana 

From New Orleans’ French Quarter to Bayou Country and beyond, there’s never a shortage of pet-friendly places to visit in Louisiana. But as much as there is to do in the Pelican State, there are also a few municipal and statewide pet laws you must follow while out in public.

Louisiana Pet Laws

  • Though there is no statewide leash mandate, most municipal areas in Louisiana prohibit domestic animals from running at large in public and require dogs to be on leashes that are no longer than six feet.
  • Dogs, cats, and ferrets must be vaccinated against rabies by three months of age, and the owner must have their pets registered as vaccinated with their county animal services office. Revaccination every three years is required in most Louisiana communities. 
  • Festivals are a big deal in Louisiana, especially Mardi Gras, but Baton Rouge and Shreveport prohibit the presence of dogs at festivals unless specifically part of the event. Owners of animals brought within a festival area can be fined up to $500 and risk having their pets impounded. 
  • Owners must pick up after their dogs in public places or face a $100 fine in addition to community service hours. 

Fun Things to Do With Your Pet in LA

Couturie Forest is one destination you won’t want to miss while exploring Louisiana through and through with your pup. Located in the heart of New Orleans City Park, the Couturie Forest is 60 acres of eight unique ecosystems, filled with native trees, winding trails, and a diverse array of wildlife. Dogs are welcome to venture with their humans through the area but must remain on leashes at all times. 

If you’re looking for an off-leash, zoomie-friendly spot, Burbank Dog Park in Baton Rouge offers six acres of fenced-in fun featuring a sandpit and swimming pond perfect for pooches of all sizes.

Once you’ve worked up an appetite, head over to Fat Cow Burgers & Salads, also in Baton Rouge, where you can enjoy lunch with your doggo on the pet-friendly patio. Servers have also been rumored to keep treats on their person for good boys.

Louisiana Pet Resources

Job loss, homelessness, and other financial hardships can make it especially difficult for low-income pet owners to keep up with their pets’ needs. The following nonprofit organizations throughout Louisiana offer low-cost or free vet services to qualifying candidates:

  • Southern Animal Foundation (New Orleans) — New Orleans’ only nonprofit, low-cost vet clinic offering full-service care at affordable rates.
  • Cat Haven (Baton Rouge) — Offers low-cost spay/neuter services for up to two cats per qualifying low-income household.
  • SpayNation for Dogs & Cats (Lafayette) — Provides low-cost canine and feline core vaccines, nail trims, e-collars, microchipping, and spay/neuter services.
  • St. Martin Humane Society (Breaux Bridge) — Sponsors free spay/neuter procedures for St. Martin Parish residents who qualify.
  • The Spay Spa (Port Allen) — Low-cost spay/neuter and veterinary wellness center offering affordable canine and feline core vaccines, diagnostic testing, fecal exams, and spay/neuter 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.