Minnesota Pet Insurance

Minnesota, aka the Land of 10,000 lakes, is a state where many households own pets. Approximately 53% of the households in Minnesota have pets, including both dogs and cats. While this number is less than the national average, those that do own pets take good care of their pets. Part of this is possible because of pet insurance.

Pet Laws in Minnesota

Residents and visitors of the state of Minnesota most abide by the pet laws that are in effect in this state.

  • Households may only have three dogs in their home or three dogs and one cat for a total of four household pets.
  • Minnesota does not have a leash law, but any dogs caught running at large will be impounded.
  • Minnesota does not require dogs and cats be licensed as a statewide law, but some cities require it and some don’t. More and more cities are eliminating the licensure requirement.
  • Dogs and cats must have rabies shots and must wear a tag that shows proof of the vaccination

Pet-Friendly Things in Minnesota

Minnesota is loaded with pet-friendly things to do, places to see and places to stay. In fact, there are more than 100 pet-friendly restaurants in this state! It even has many pet-friendly employers for employees who don’t want to or can’t leave their pet at home while they’re working.

  • Psycho Suzi’s Motor Lounge – This Polynesian-themed, pet-friendly bar and restaurant has a riverfront patio your dog will love.
  • Urban Eatery Minneapolis – This contemporary restaurant offers all-world cuisine and accommodates your pet.
  • Lodge of Whispering Pines – This beautiful lodge in Ely is the ideal spot to vacation with your two pets.
  • Birchbark Books – Who said you can’t sit at the library and read with your pet? You can when you’re here.
  • Elm Creek Reserve Dog Park – This 29-acre fenced-in dog park is the ideal place to spend the day with your dog.

Imagine going to work every day and not having to worry about your pet because he or she could accompany you to work! There are various employers in Minnesota who will allow this. If you’re looking for a pet-friendly employer or know of someone who is, here are a few from which to choose.

  • Digital River in Minnetonka
  • P & C Enterprises, LLC in Vadnais Heights
  • Volunteer Match in Minneapolis
  • Transport America in Eagan
  • The Nerdery in Bloomington
  • On-Demand Group in Minneapolis
  • DataPlow, Inc. in Rochester

Minnesota Veterinary Costs

Owning a pet and keeping it as healthy as possible requires annual checkups, rabies shots, worming and vaccinations. Even with the best of care, we never know if our beloved pet might develop a serious disease or become injured. These are often the unexpected bills pet owners have a difficult time paying.

Households with pets in Minnesota pay an average of $1,300 annually for unexpected veterinary bills. Unfortunately, some illnesses like cancer can incur much higher expenses. The cost of cancer treatment depends on the severity of the disease and the type of cancer. Treatment can reach these amounts.

Treatment Estimated Cost
Radiation Several treatments for a total of $5,000 to $7,000
Chemotherapy Several treatments for a total of $6,000 to $10,000
Surgery for tumors

Can be from $2,500 to $6,000


Cancer is not the only illness that dogs get and not the only disease that can result in high vet bills. Dogs are known for chewing on just about anything in sight, which can cause abdominal obstruction. Surgery for this can cost from $2,000 to $5,000.

Monthly Cost of Pet Insurance by Minnesota City

Pet insurance can take a big load away for pet owners who are suddenly hit by unexpectedly large vet bills. To give you an idea of the cost for pet insurance, I have included monthly premiums for a policy on a mixed breed, medium size dog that is six years old. The premiums listed are for five different cities in Minnesota.

These rates are for a policy that pays 70% of the cost of covered expenses with $500 deductible and unlimited maximum payouts. This policy is the one chosen most often by customers in this state.

City Monthly Cost
Minneapolis $44.03
Duluth $58.39
Winona $44.03
Shakopee $53.82
Anoka $48.92

Low-Income Pet Help in Minnesota

Minnesota has several organizations that offer assistance and low-cost pet help to pet owners who may be having financial difficulties and having difficulty paying for pet-related expenses. Many of the agencies offer spay/neuter assistance to all pet owners whether they’re having financial difficulties or not.

People and Pets Together – offers pet food, vaccination clinics, subsidized pet care for needy clients and programs to help owners at risk of having to surrender their pet

Camp Companion in Rochester – offers spay/neuter assistance

Kindest Cut in the Twin Cities – offers vaccinations, microchipping and low-cost spay/neuter services

Tri-County Humane Society in St. Cloud – offers vaccination and spay/neuter assistance

Pet Haven in Minneapolis – offers spay/neuter assistance

Minnesota Spay Neuter Project, Inc. – offers spay/neuter assistance in Minneapolis

PetCare of Duluth – offers low-cost flea-tick prevention, vaccinations, microchipping and heartworm testing/prevention statewide

Northland Spay/Neuter – offers low-cost spay/neuter in Duluth

Northeast Community Lutheran Church in Minneapolis – offers pet food