The Best Pet Insurance Companies in Nebraska (2024)

We gave Lemonade 4.8 out of 5 stars and named it our top pick because of its affordable coverage and streamlined claims process. Its standard accident and illness plan starts you off with limited coverage. From there, you can customize your plan by choosing from a number of add-ons, including preventative care plans.

Unfortunately, Lemonade isn’t available in all 50 states, which could mean you’d need to find a new pet insurance company if you move out of Nebraska.

Similar to other pet insurance providers, Lemonade does not cover pre-existing conditions. The company also limits enrollment to pets that are 14 years and younger.

Based on our research, the average cost of a standard Lemonade policy for Nebraska pet parents is $19 per month. When we compared average annual premium costs to out-of-pocket pet health expenses such as veterinary visits, medications, vaccines and emergencies, we found that Nebraska pet owners could save $574 per year with a Lemonade pet insurance policy.

Lemonade’s basic coverage is less extensive than other providers we reviewed, but customers can build up to comprehensive coverage through add-ons — but it’ll cost you. Nebraska pet parents can add the following coverages to their policies:

• Veterinary visit fees: Additional $7 per month for dogs and $4 for cats
• Dental illness: Additional $13 per month for dogs, not available for cats
• Behavioral conditions: Additional $4 per month for dogs and cats
• Physical therapy: Additional $2 per month for dogs and $1 for cats
• End of life and remembrance: Additional $4 per month for dogs and $3 for cats
• Preventive care basic plan: Additional $16 per month for dogs and $10 for cats
• Preventive care premium plan: Additional $24 per month for dogs and $16 for cats

If you want to know more about this provider, read our Lemonade Pet Insurance review.

Spot earns 4.5 out of 5 stars on account of its customizable coverage. The provider lets policyholders choose from a number of deductible, reimbursement rate and annual coverage options to create a custom-fit policy. Notably, the company offers a multi-pet discount, which means you can save up to 10% for each additional pet you enroll in coverage.

Spot says that pre-existing conditions can be covered if the condition is cured and the pet is symptom-free for 180 days. However, this doesn’t apply to knee and ligament injuries.

Spot offers accident-only and accident and illness plans. No matter which you choose, you can also add on wellness coverage.

The average cost of a Spot pet insurance policy in Nebraska is $62 per month, based on our research. Compared to the cost of pet health care, we concluded that a Cornhusker could save $55 per year with a Spot pet insurance policy.

Nebraska pet parents can choose to add on preventive care coverage at two levels:

• Gold plan: Additional $10 per month for dogs and cats
• Platinum plan: Additional $25 per month for dogs and cats

Learn more in our Spot Pet Insurance review.

Embrace earns 4.7 out of 5 stars based on our rating methodology. It’s also our top pick for savings. When you keep reimbursements under $300 for the year, you can get a premium discount of 5% or 10%.

Embrace’s accident and illness plan covers congenital conditions, dental trauma and alternative therapies. Note that Embrace has a six-month waiting period for orthopedic conditions, but it can be waived if your pet gets a clear orthopedic exam.

Based on our research, Nebraska residents can expect to pay an average of $46 per month for an Embrace pet insurance policy.

Compared to the costs of pet health expenses such as veterinary visits, vaccines, medications and emergencies, we determined that Nebraska pet owners could save $253 per year with an Embrace pet insurance policy.

Optional coverages for Nebraska pet owners include:

• Exam fees: Additional $4 for dogs and $3 for cats
• Prescription drugs: Additional $4 for dogs and $3 for cats
• Wellness care base plan: Additional $19 for dogs and cats
• Wellness care mid-grade plan: Additional $35 for dogs and cats
• Wellness care premium plan: Additional $52 for dogs and cats

To learn more, read our Embrace Pet Insurance review.

With no annual, per-incident or lifetime cap for coverage, Healthy Paws is our pick for the most affordable unlimited coverage. Earning 4 out of 5 stars based on our rating methodology. Healthy Paws offers one comprehensive accident and illness policy that makes it easy for Nebraska pet owners who aren’t sure what coverage is necessary.

While some Cornhuskers may like Healthy Paws’ simplicity, those wanting wellness coverage won’t find it here.

Our research found that the average cost of a Healthy Paws pet insurance plan in Nebraska is $41 per month. In an analysis of premium costs compared to the expected out-of-pocket pet health care costs, we found that Nebraska pet owners could save $315 per year by purchasing a Healthy Paws pet insurance policy.

Because Healthy Paws coverage is comprehensive, the company doesn’t sell add-on coverage items. Still, you can adjust your monthly premiums by choosing your reimbursement rate and annual deductible.

To learn more about this provider, read our Healthy Paws Pet Insurance review.

Figo earns an impressive 4.7 out of 5 stars based on our scoring system. It earns high marks for its flexible plan options, which include a 100% reimbursement rate. In other words, you can opt for a plan that requires no out-of-pocket payments after you meet your deductible, aside from premiums.

While Figo has no upper age limit for enrollment, it requires that dogs 8 years and older and cats 10 years and older receive all senior wellness testing recommended by their veterinarian.

Based on our research, the average Figo pet insurance plan costs Nebraska pet parents $24 per month. Compared to expected annual pet health care expenses, we estimate that Nebraska pet owners could save $511 each year with a Figo pet insurance policy.

Figo allows Nebraska pet owners to choose from the following optional coverages:

• Veterinary exam fees: Additional $8 per month for dogs and $3 for cats
• Wellness basic plan: Additional $10 per month for dogs and cats
• Wellness plus plan: Additional $17 per month for dogs and cats

If you’re interested in learning more about this provider, read our Figo Pet Insurance review.

Fetch earns 4.3 out of 5 stars and is our pick for comprehensive coverage. While Fetch plans cost more on average than some other plans we reviewed, it provides more extensive coverage. Fetch plans cover examination fees, dental injury and disease in every adult tooth, plus breed-specific conditions — breathing problems with French bulldogs, for example. Plans also cover alternative therapies, behavioral issues and virtual vet visits.

Nebraska pet parents can also choose from three different levels of wellness care for an additional monthly price.

Based on the sample quotes we requested, the average cost for a Fetch policy in the Cornhusker State is $79 per month.

We compared Fetch premiums to estimated out-of-pocket pet health care costs and found that Nebraska pet owners could lose $149 per year with a Fetch insurance policy. That said, pets with higher-than-average health care costs might be better candidates for Fetch’s comprehensive coverage.

Fetch offers the following optional wellness plans:

• Essential wellness coverage: Additional $11 per month for dogs and cats
• Advantage wellness coverage: Additional $20 per month for dogs and cats
• Prime wellness coverage: Additional $32 per month for dogs and cats

To learn more, read our Fetch Pet Insurance review.

We rate Trupanion 4.2 out of 5 stars, giving it a special shoutout for its unlimited coverage on all plans. It’s worth noting that Trupanion provides pet owners the unique option of paying a veterinarian directly instead of having to submit a claim later — the vet office just needs to have the necessary software.

On the downside, its plans are pricey, particularly for dogs. Trupanion’s comprehensive coverage and unlimited payouts can make the provider a great choice for owners of dogs subject to costly vet bills, though.

Based on the sample quotes we requested, the average cost of a Trupanion plan in the Cornhusker State is $75 per month. We compared Trupanion’s average premiums to the out-of-pocket costs of veterinary visits, medicine, vaccines and emergencies, and found that Nebraska pet parents could lose $97 per year with a Trupanion policy. However, some pet owners may find the comprehensive coverage worth the extra cost.

Add-on options for Nebraska Trupanion policyholders include:

• Recovery and complementary care: Additional $23 per month for dogs and $6 for cats
• Pet owner assistance: Additional $5 per month for dogs and cats

To find out more about this provider, read our Trupanion Pet Insurance review.