Best Pet Insurance in Nebraska: Top Companies & Plans (2023 Review)

by | 11/01/2022

Nebraska, otherwise known as the Cornhusker or Beef State, has many amazing pet-friendly locations, from dog parks to pet-friendly restaurants, travel spots, and more. Pet parents can also take their furry family members to various beautiful outdoor areas.

Because of this, it’s crucial that pet parents prepare financially for their pets’ vet bills. After all, our pet’s health is uncertain, and it can develop illnesses or have an accident at any time, even when it’s young and healthy. 

This is why choosing a pet insurance agency as soon as possible is a wise investment for your finances and your pet’s health. 

In our piece on the best pet insurance in Nebraska, we’ll discuss the following Nebraska pet insurance providers and their pros and cons: 


Best Nebraska 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 Nebraska Reviews

Every pet insurance company has its pros and cons. However, it can feel overwhelming to sift through all the information on the many providers available. To help you out, we at 365 Pet Insurance have made the following list of pet insurance providers, their offerings, pros and cons, coverage options, and so much more. Keep reading to learn about everything you need to know about the following pet insurance providers. 

Spot Pet Insurance

Spot pet insurance is a fantastic choice for pet parents looking for comprehensive coverage, an accident-only plan, or multiple wellness plan options. It was founded in 2019 and is partnered with Cesar Millan, the famous dog trainer, which has prompted it to offer great behavioral issues coverage. We love that Spot has thorough coverage for things like behavioral issues and dental illnesses because many providers exclude these from their coverage. Spot’s wellness coverage is also comprehensive and covers things like spaying/neutering, exam fees, dental cleanings, vaccinations, and much more. 

With Spot, you can expect to pay around $40 per month for dogs and $22 per month for cats. However, it does offer comprehensive accident and illness plans that start at $16 per month and accident-only plans that start at $10 per month. Its wellness plans are also competitively priced at $9.95 per month for a $250 annual benefit and $24.95 per month for a $450 yearly benefit. Spot’s plans will not cover pre-existing conditions, cosmetic procedures, exotic animals, or breeding costs, which are all standard pet insurance exclusions. 

Overall, we love that Spot has so many plan options and offers many customization options for your annual deductible, reimbursement, and annual limit. We also like that it provides a 10% multi-pet discount and a user-friendly mobile app for submitting and tracking claims easily. But, you should remember that prescription pet foods are not covered with Spot. Still, its plans are definitely worth considering due to its thorough coverage, competitive pricing, and customization options. 


  • No age restrictions for signing up your pet
  • 30-day money-back guarantee
  • Multiple comprehensive wellness plan options
  • Includes behavioral issues coverage


  • Exotic animals are not covered
  • No prescription pet food coverage for general health

Lemonade Pet Insurance

Lemonade pet insurance is a newer company founded in New York. It offers several types of insurance, including renters’, car, life, and home insurance. If you choose to bundle your pet insurance with Lemonade home insurance, you can even receive 10% off your pet insurance. Lemonade also offers a 5% multi-pet discount. We love that Lemonade has a user-friendly mobile app that allows you to submit and track claims, check on your policies, add pets, and more. 

Another reason we recommend Lemonade is its lower prices, short accident waiting period, and many customization options. When choosing an accident and illness plan with Lemonade, you can customize your reimbursement percentage, annual deductibles, and coverage limits. You can expect to pay around $37 per month for dogs and $15 per month for cats with Lemonade. However, its plans start as low as $10 per month. Lemonade’s accident and illness plan will cover the costs of diagnostic testing, surgeries, hospitalizations, prescription medications, and much more. 

Lemonade offers four different wellness plan options for both adult dogs and cats and kittens and puppies if you’re interested in wellness care coverage. You can expect to pay $15 per month for dogs and $10 per month for cats. Kitten preventative packages with Lemonade cost $34 per month and $40 per month for puppies. With its wellness plans, you’ll receive coverage for routine veterinary care, such as checkups, dental cleanings, spaying and neutering, heartworm tests, microchipping, and much more. Lemonade also offers add-ons for vet visit fees and physical therapy. These plans won’t cover cosmetic procedures, exotic animals, pre-existing conditions, and dental illnesses. 


  • 5% discount for multiple pets
  • Entirely online experience
  • Offers coverage for exam fees and physical therapy
  • Additional preventative care coverage for kittens and puppies


  • Newer to the market
  • Six-month waiting period for cruciate ligament events

ASPCA Pet Insurance

ASPCA pet insurance was founded in 2017 and is provided by Crum & Forster Pet Insurance Group. It’s also a partner of the American Society for the Prevention of Cruelty to Animals, which often gives it an excellent reputation among pet parents. We love that ASPCA has a 30-day money-back guarantee, requires no exam before enrollment, and offers a 10% multi-pet discount. It also has many customization options, including annual limits, reimbursement rates, and deductibles. In addition, ASPCA has many types of plans, including accident-only plans, accident and illness plans, and multiple preventative care options. 

ASPCA’s accident and illness plans cover dental disease, behavioral issues, diabetes, UTIs, hereditary conditions, hip dysplasia, and much more. However, its dental coverage is lacking when compared to other providers. We love that it covers behavioral issues, hip dysplasia, and congenital conditions because many providers don’t offer this kind of coverage. Typically, you can expect to pay $48.78 per month for dogs and $29.16 for cats. However, keep in mind that accident-only plans will likely cost less. Preventative care plans with ASPCA cost either $9.95 or $24.95 per month, depending on the tier you choose. With these add-ons, your pet will be covered for preventative care, such as wellness exams, dental cleanings, deworming, vaccinations, and much more. None of its plans will cover cosmetic procedures or pre-existing conditions. 

Overall, we love that ASPCA has so many plan and customization options. We also like that it has a fantastic 10% multi-pet discount and that exams are not required before enrollment. However, we caution you to consider that ASPCA has poorer reviews than other providers. 


  • Lower deductibles than most providers
  • Offers 10% multi-pet discount
  • Partner of American Society for the Prevention of Cruelty to Animals
  • Includes microchipping coverage


  • Low annual coverage limits of $10,000 maximum
  • Poor customer reviews

Embrace Pet Insurance

Embrace pet insurance offers some of the best and most comprehensive accident and illness pet insurance for dogs and cats on the pet insurance market. Its plans include coverage for hip dysplasia, cancer, dental issues, and prosthetic limbs, which are frequently excluded from other pet insurance policies. It also has a unique feature where your pet can receive coverage for curable pre-existing conditions, which is very rare among providers. We also love that Embrace has a user-friendly mobile app where you can easily submit and track your claims. 

You can expect to pay anywhere from $20 to $100 for accident and illness coverage with Embrace. Accident and illness coverage will protect your pet if it develops cancer, chronic conditions, needs grooming, requires prescription pet foods, develops hip dysplasia, and much more. Embrace doesn’t offer an accident-only policy but does have multiple wellness plan options that cost $18.75 for a $250 yearly allowance, $35.42 per month for a $450 yearly allowance, or $52.09 per month for a $650 yearly allowance. Its wellness plans cover anything from preventatives to wellness exam fees, microchipping, routine blood work, diagnostic testing, supplements, dental cleanings, and much more. 

Overall, we love that Embrace has such thorough accident and illness coverage and many wellness plans. Its unique Healthy Pet Deductible is another excellent benefit that decreases your annual deductible by $50 each year that you don’t submit a claim. If you’re looking for comprehensive coverage and coverage for things that many pet insurance providers exclude, you can’t go wrong by looking at Embrace’s plans. 


  • Comprehensive accident and illness coverage
  • Convenient mobile app makes submitting claims easy
  • Offers unique Healthy Pet Deductible to reduce your bill over time
  • Donates $2 to charity with each policy


  • Higher prices than average
  • Annual maximums

Heathy Paws Pet Insurance

Healthy Paws is a great insurance provider that offers one simple, straightforward accident and illness plan at a competitive, fair price. We love that Healthy Paws is so charitable and has donated $1.6 million to nonprofit pet charities through its Refer-A-Friend and Every Quote Gives Hope grant programs. It’s also underwritten by the Chubb Group, an A+ rated insurer with over $25 billion in surplus. However, we don’t like that Healthy Paws lacks a multi-pet discount, has a one-time customer fee of $25, and doesn’t offer any type of preventative care coverage. 

Typically, you can expect to pay around $40 for dog insurance and $20 per month for cat insurance. Its accident and illness plan covers hereditary conditions, chronic conditions, congenital conditions, diagnostic treatments, emergency care, alternative treatments, and much more. However, this plan won’t cover pre-existing conditions, exotic animals, or routine veterinary care. We love that Healthy Paws can reimburse its customers so quickly. Due to its convenient mobile app, you can submit your claim and receive reimbursement within hours of the claim processing, which is much faster than other providers. 

Overall, we love that Healthy Paws has a great, comprehensive accident and illness pet insurance plan and affordable pricing. Its emphasis on donation and having a great underwriter are other significant benefits. However, if you want routine veterinary care coverage, you’ll need to go elsewhere. 


  • Less expensive pet insurance option
  • Donates to over 300 nonprofit pet charities
  • Unlimited lifetime benefits
  • Features a convenient mobile app for easy claim submission


  • Does not offer wellness plan options
  • No accident-only plan option

NHow Does Pet Insurance Work in Nebraska?

Pet insurance services work by helping with veterinary bills, typically for accidents and illnesses your pet may have. When your pet is on an active pet insurance plan, you can take your pet to any licensed veterinarian, animal hospital, or vet clinic. Once your pet is treated, you’ll pay the bill at the clinic then submit the invoice to your pet insurance provider. Then, your provider will process the claim and reimburse you for the agreed-upon percentage in your pet insurance policy. Typically, this reimbursement rate will fall between 50 and 90%. 

Pet health insurance acts as a financial safety net and gives you peace of mind knowing that you won’t have to choose your pet’s treatment based on affordability. Instead, you can focus on getting it the care it deserves. 

How to Choose the Best Pet Insurance in Nebraska for You 

Pet insurance is a highly personal choice that requires you to think about what is truly most important to you and your pet’s health. Before deciding on a provider or plan, consider the following factors, starting with the primary types of pet insurance plans offered: 

  • Accident-only coverage: Accident-only coverage will only provide your pet with coverage for accidents, such as burns, broken bones, swallowed foreign objects, poisoning, and animal bites. It won’t cover illnesses or wellness care costs.
  • Accident and illness coverage: Accident and illness coverage covers your pet for accidents and illnesses, like hereditary conditions, diabetes, hypothyroidism, infections, hip dysplasia, and more. It will not cover wellness care costs.
  • Wellness or preventative coverage: Wellness or preventative care coverage is typically an add-on to other pet insurance plans. It usually helps with the costs of routine care, such as vaccinations, checkups, deworming, dental cleanings, and more. 

Once you’ve chosen what kind of plan you’d like to enroll your pet in, consider which providers and plans have the features that matter the most to you. Here are some factors to consider: 

  • What are the pet insurance plan’s exclusions?
  • Are dental illnesses or cleanings covered with this plan?
  • Does this plan have a lifetime or annual benefits cap?
  • Will this provider give you a free pet insurance quote?
  • Does this pet insurance provider have positive customer reviews and reports from consumer report websites, like the Better Business Bureau?
  • Will this plan give you coverage for alternative therapies, such as acupuncture or physical therapy?
  • Can you talk to your pet insurance provider via your preferred communication method (phone, live chat, email, etc.)?
  • Will this plan help with costs for prescription diets or medications?
  • Is your dog or cat’s breed more prone to certain diseases? Does this plan offer coverage for those breed-specific conditions? 

We recommend choosing a pet insurance provider right away so that your pet will have less time to develop pre-existing conditions. Pre-existing conditions are never covered by insurance, so it’s essential that you get your pet covered as soon as possible. 

How Much Does Pet Insurance Cost In Nebraska?

Pet insurance monthly premiums can vary wildly based on many factors, including your location, your pet’s age, and its breed. Different aspects can make your monthly premium more costly, especially the plan type, annual deductible, reimbursement percentage, and annual limit you choose. If you decide to add a wellness plan, this will also be an additional cost each month. 

Generally speaking, accident and illness plans will cost between $30 to $60 per month for dogs and $15 to $30 per month for cats. Wellness plans usually add $10 to $25 per month to your monthly premium. However, you can save money by choosing a plan that offers the right amount of coverage for you, gathering several free quotes, choosing an accident-only plan, or finding a provider that offers discounts you qualify for. 

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 in Nebraska Cities

Here are some premiums for five different cities in Nebraska. The premiums are for a policy that pays 70% of the bill after a $500 deductible is paid. It also has an unlimited maximum payout amount. It’s for a 6-year-old mixed breed dog of medium size.

City Monthly Cost
Omaha $40.58
Lincoln $37.45
Bellevue $34.04
Burwell $30.64
South Sioux City $30.64

Final Thoughts 

Pet insurance shopping can be frustrating and overwhelming. To help you out, we at 365 Pet Insurance put together this guide on the best pet insurance in Nebraska so that you can narrow down your choices and determine if pet insurance is worth it for you. Veterinary care costs can be expensive without pet insurance, especially for illnesses, accidents, and emergency care. We believe that pet parents should never have to turn down necessary treatments for their pets due to cost. We hope that you’re able to choose a pet insurance provider after reading this piece and have peace of mind knowing that your pet is covered should it develop an illness or have an accident.

Information for Pet Owners in Nebraska

The Cornhusker State is rich in pet resources and many pet-friendly businesses. Whether you and your pet are looking for an outdoor adventure or a delicious bite to eat, you can find it in Nebraska. Make sure to read up on Nebraska pet laws before embarking on your adventure, and don’t forget to enjoy your fun in the sun. 

Nebraska Pet Laws 

Here are some critical Nebraska pet laws you need to know about before enjoying time with your pet in Nebraska: 

  • Both dogs and cats must have tags and collars on them at all times unless they’re microchipped. 
  • Certain breeds of dogs have to be leashed and muzzled at all times when they’re outside, unless in a fenced yard. This includes Pitbulls, Cane Corsos, American Bulldogs, American Staffordshire Terriers, and Presa Canarios in some areas of Nebraska.
  • If you don’t have a fenced yard, your dog must be accompanied by someone 19 years or older at all times that it’s outside. 
  • Dogs must be up-to-date on their rabies vaccinations, and owners need to keep records of this.

Fun Things to Do With Your Pet in NE

Looking for some pet-friendly fun in the sun in Nebraska? Check out these fantastic pet-friendly Nebraska establishments: 

  • Old Chicago Pizza and Tap Room: Located in Omaha, this casual pub offers beer, appetizers, grinders, and pizza. It has great outdoor seating for owners that want to bring their dogs. 
  • Lake McConaughy SRA Campground: If you’re interested in a great pet-friendly campground, check this place out. All dogs must be kept on a six-foot leash.
  • Hanscom Park Dog Park: This dog park has a beautiful water fountain, plenty of shade, and areas for both small and large dogs to play in. 
  • Bryson’s Airboat Tours: Located in Fremont, this pet-friendly service gives you the chance to take your dog on a fun boat cruise.

Nebraska Pet Resources 

Need help caring for your pet? Check out these Nebraskan pet resources:

  • Lincoln Animal Ambassadors: The Lincoln Animal Ambassadors offers low-cost spay and neuter services and pet food. It also has a low-cost vaccination clinic and free education to help people care for their pets. 
  • Nebraska Humane Society in Omaha: This humane society offers pet food delivery for seniors receiving Meals on Wheels. It also has low-cost spay and neuter services, boarding services, training classes, and grooming services. 
  • North Platte Pet Food Pantry: This pantry provides nutritional assistance for pets in need. Donations are distributed from 6:00 p.m. to 6:30 p.m. every Monday.

Frequently Asked Questions About Pet Insurance in Nebraska

Do all vets take pet insurance? 

In short, yes. Your pet insurance provider doesn’t work with your vet, so you don’t have to worry about your vet being in-network like a human health insurance plan. Instead, you submit your claim directly to your pet insurance provider, which will reimburse you based on your coverage. This allows you to go to any licensed veterinarian, whether they are at a clinic or animal hospital, to get your pet the care they need. As long as the treatment is covered under your plan, you’ll be covered.

What is pet insurance? 

Pet insurance is health insurance for your pet that reimburses you for part of your pet’s vet bills based on your specific plan’s coverage. Unlike human insurance, pet insurance providers do not pay for your pet’s medical bill at the vet clinic or animal hospital. Instead, your pet insurance provider will reimburse you directly after you’ve submitted your claim. Most pet insurance plans will reimburse you for between 50 to 90% of the total vet bill. This means that you’ll pay out of pocket for your dog or cat’s medical bill at the time of the visit, then submit your claim to your pet insurance provider, which will then reimburse you for the cost up to your plan’s reimbursement rate. 

How do I get reimbursed for a vet bill?

Simply take your cat to any licensed veterinarian and submit your claim. Depending on your provider, you can submit your claim through its mobile app, online member center, or through the mail. Then, you’ll wait for your provider to approve the claim. Once approved, it will reimburse you for the allocated amount in your pet insurance policy through direct deposit or check.

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.