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

by

Located in the Western Region of the U.S., Nevada is known for its sagebrush, silver, and slot machines. Although the state has a relatively low population density, pet ownership is still high, with over 50% of households owning animals.

You should never have to gamble on your pet’s health. You need to have peace of mind knowing you won’t have to decline life-saving care for your pet – especially because of cost.

Buying a pet insurance plan is an excellent way to avoid financial pressure during already stressful veterinary situations. You’ll pay a predictable monthly premium in exchange for coverage during unexpected pet emergencies.

In this article, we’ll answer the following questions and more to help you find the best pet insurance in Nevada:

  • Who are the best pet insurance providers?
  • What plans and add-ons are available?
  • How much does pet insurance cost?
  • How do I choose a plan to fit my needs?

Best Overall

spot pet insurance logo

OUR RATING: 4.9

Most Affordable

Lemonade Pet Insurance Logo

OUR RATING: 4.8

Best for Chronic Conditions

Healthy Paws Pet Insurance

OUR RATING: 4.6

Best Nevada 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 Yes 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

*The waiting periods listed above are for unexpected accidents and illnesses. Waiting periods for orthopedic conditions like hip dysplasia and cruciate ligament events are typically six to twelve months, which is industry standard.

Pet Insurance Companies in Nevada Reviews

If you’ve researched pet insurance, you know there are countless options on the market. You might even be overwhelmed by the number of plans, price points, add-on packages, and levels of coverage available. 

The next section will go over a few top providers and what they cover. We’ll cue you in on plan highlights and coverage exclusions so that you can select the best pet insurance in Nevada for your specific needs.

Before we get started – these providers only cover dogs and cats. If your scaly or feathery friend needs coverage, check out our pet insurance article for birds and exotic pets.

Spot

We recommend Spot pet insurance for its highly customizable plans and comprehensive coverage. Spot’s customizability allows you to choose price and benefit options that fit your needs without compromising coverage.

On average, Spot pet insurance costs $30-$50 per month for dogs and $18-$25 per month for cats. To personalize your monthly price, you can mix and match the following coverage rates:

Annual benefit – $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, unlimited

Annual deductible – $100, $250, $500, $750, $1,000

Reimbursement rate – 70, 80, 90%

As you can see, there are many plan combinations to choose from. With any Spot accident/illness plan, you’ll get coverage for things like:

  • Unexpected accidents and illnesses
  • Behavioral issues
  • Dental illnesses
  • Hereditary and congenital conditions
  • MRIs, CT scans, and X-rays
  • Prescription medications
  • Cancer treatments
  • Surgery and hospitalization

Spot won’t cover pre-existing conditions, grooming services, elective procedures, breeding costs, boarding costs, or accidents and illnesses that occur during waiting periods.

Spot’s accident/illness plan doesn’t cover wellness services, but you can purchase the Gold or Platinum Preventive Care add-ons to cover these items.

The Gold package covers up to $250 for dental cleanings, wellness exams, vaccinations, fecal tests, parasite prevention, and deworming.

The Platinum package covers up to $450 for dental cleanings or spay/neuter procedures, wellness exams, parasite prevention, vaccinations, fecal tests, blood work, urinalysis, and health certificates.

Pros:

  • High level of customizability
  • Unlimited annual benefit option
  • Two wellness package add-ons

Cons:

  • Higher monthly premiums
  • 14-day waiting period for accidents

For more information, check out our Spot pet insurance review.

Lemonade 

Lemonade is a solid option for pet parents seeking affordable pet insurance coverage that can be bundled with other insurance products. In addition to pet insurance, Lemonade offers home, car, life, and renters’ insurance so that you can cover all of your belongings in one place.

Lemonade’s pet insurance rates are some of the most affordable on the market, with plans starting as low as $10 per month. For a plan with mid-level coverage rates, you’ll typically pay around $37 per month for dogs and $15 per month for cats.

You can choose from the following options to personalize your Lemonade pet insurance plan:

Annual benefit – $5,000, $10,000, $20,000, $50,000, $100,000

Annual deductible – $100, $250, $500

Reimbursement rate – 70, 80, 90%

Lemonade’s accident/illness coverage includes items like:

  • Unexpected injuries and illnesses
  • MRIs, CT scans, and X-rays
  • Prescription medications
  • Diagnostic testing
  • Emergency care
  • Hospitalization
  • Specialty care
  • Surgery

With Lemonade, you won’t get coverage for pre-existing conditions, dental illnesses, preventable conditions, alternative therapies, elective procedures, or incidents that occur during waiting periods.

Lemonade’s accident/illness plan doesn’t include coverage for preventive care services, exam fees, or physical therapy, but you can purchase add-ons to cover these items.

Lemonade’s Preventative and Preventative+ packages reimburse you for your pet’s routine wellness services. The Preventative Care option covers one wellness exam, one fecal test, one heartworm test, one blood test, and three vaccines. The Preventative+ option covers a wellness exam, internal parasite test, fecal test, routine dental cleaning, parasite preventatives, and three vaccines. 

Pros:

  • Competitively affordable monthly premiums
  • Add-on packages for routine care
  • Two-day waiting period for accidents

Cons:

  • Low BBB rating
  • Not available in all states

Read our Lemonade pet insurance review to learn more.

Embrace

Embrace plans cost an average of $30-$40 per month for dog insurance and $15-$20 for cat insurance. You can choose from the rates below when building your Embrace plan:

Annual benefit – $5,000, $8,000, $10,000, $15,000, $30,000

Annual deductible – $200, $300, $500, $750, $1,000

Reimbursement rate – 70, 80, 90%

Embrace is a winner for its exclusive Healthy Pet Deductible program. The Healthy Pet Deductible rewards you for keeping your pet healthy. Essentially, no matter which deductible option you choose, Embrace will automatically subtract $50 from your deductible for every year you don’t file a claim.

Embrace’s accident/illness coverage reimburses you for costs associated with:

  • CT scans, MRIs, X-rays, and ultrasounds
  • Unexpected accidents and illnesses
  • Prescription medications
  • Congenital conditions
  • Genetic conditions
  • Chronic conditions
  • Cancer treatment
  • Physical therapy
  • Dental trauma
  • Hospitalization
  • Allergy testing
  • Exam fees

Like all other providers, Embrace doesn’t cover pre-existing conditions. However, it will cover conditions that have been cured and asymptomatic for at least 12 consecutive months before your pet insurance policy starts. 

Embrace will never cover incurable pre-existing conditions, alternative treatments, boarding costs, cosmetic procedures, preventable diseases, or illnesses and accidents that occur during waiting periods. 

Embrace offers a wellness package that’s a little different from others on the market. With an Embrace Wellness Rewards Package, you’ll pay $19-$52 per month for $250-$450 in wellness reimbursements. 

The packages won’t save you much money per year but can help you budget your pet’s routine care costs. Wellness Rewards covers typical preventive care items, as well as other services like grooming, pet activity monitors, training classes, massage services, and more.

Pros:

  • Healthy Pet Deductible program
  • Dental illness coverage
  • More flexible pre-existing condition policy

Cons:

  • No unlimited annual benefit option
  • Upper age limits

For more information, check out our Embrace pet insurance review.

Healthy Paws

We recommend Healthy Paws pet insurance to pet owners in need of one straightforward plan to cover all of their pets’ unexpected vet needs. A major plus of Healthy Paws is that it has donated nearly $2 million to animal welfare organizations.

With Healthy Paws pet insurance, you’ll pay about $40 per month for dogs and $20 per month for cats. We think Healthy Paws’ prices are competitive because it offers unlimited per-item, annual, and lifetime benefits. This means Healthy Paws will never cap your coverage, no matter how many claims you file.

Healthy Paws allows plan customization up to your pet’s fifth birthday. Pets 6 years old and up will have fixed rates. 

Take a look at the following rate options for pets five and under:

Pets 3 years and under:

Annual benefit – Unlimited 

Annual deductible – $100, $250, $500

Reimbursement rate – 70, 80, 90%

Pets 4 and 5 years old:

Annual benefit – Unlimited 

Annual deductible – $250 or $500

Reimbursement rate – 70% or 80%

Despite Healthy Paws’ limitations on older pets, the provider offers comprehensive accident/illness coverage regardless of age.

Healthy Paws’ accident/illness plan covers:

  • Unexpected accidents and illnesses
  • Hereditary conditions
  • Chronic conditions
  • Cancer
  • Diagnostic testing
  • Surgery
  • Hospitalization 
  • X-rays, blood tests, and ultrasounds
  • Prescription medications
  • Emergency care
  • Specialty care
  • Alternative treatments 

Healthy Paws doesn’t cover pre-existing conditions, elective procedures, boarding costs, preventative care, spay/neuter procedures, exam fees, or accidents and illnesses that occur during waiting periods.

Healthy Paws doesn’t offer any add-on packages, so you’ll just get coverage for the unexpected.

Pros:

  • Unlimited lifetime benefits on all plans
  • Dedication to animal welfare charity
  • Competitive prices

Cons:

  • No exam fee or wellness coverage
  • Customization limited by age
  • $25 enrollment fee

Check out our Healthy Paws pet insurance review for additional information.

ASPCA

ASPCA pet health insurance provides customizable coverage for your pet’s unexpected vet visits. We like that ASPCA is a partner of the American Society for the Prevention of Cruelty to Animals, a nationally recognized animal welfare organization.

ASPCA plans cost around $50 per month for dogs and $30 per month for cats. Its plans are customizable, and you can choose from the following rates:

Annual benefit – $3,000, $4,000, $5,000, $7,000, $10,000

Annual deductible – $100, $250, $500

Reimbursement rate – 70, 80, 90%

ASPCA caps annual coverage at $10,000 and won’t reimburse you past that amount. The provider does, however, offer low deductible options, so your coverage will kick in sooner.

ASPCA’s accident/illness plan covers:

  • Unexpected injuries and illnesses
  • Hereditary conditions
  • Congenital conditions
  • Behavioral issues
  • Exam fees
  • Microchip implantation
  • Cancer treatment
  • Stem cell therapy
  • Diagnostic testing

ASPCA doesn’t cover pre-existing conditions, cosmetic procedures, breeding costs, boarding costs, grooming services, training, or incidents that occur during waiting periods.

If you want coverage for wellness and routine care items, you can select one of ASPCA’s preventive care packages. 

The Basic package covers up to $250 for parasite tests, vaccinations, deworming, wellness exams, and dental cleanings.

The Platinum package covers up to $450 for urinalysis, blood tests, parasite tests, vaccinations, flea/heartworm prevention, health certificates, deworming, wellness exams, and a dental cleaning or spay/neuter procedure.

Pros:

  • Microchip implantation coverage
  • Exam fee coverage
  • Low deductible options

Cons:

  • $10,000 annual coverage cap
  • $2 monthly transaction fee

To find out more, read our ASPCA pet insurance review.

How Does Pet Insurance Work in Nevada?

Unlike human health insurance, pet health insurance doesn’t operate through networks. This means you can take your pet to any licensed veterinary clinic or animal hospital, and you won’t have to worry about your insurance plan being denied.

Pet insurance in Nevada operates on a reimbursement system. You’ll pay the vet in full at the time of your pet’s service, and your pet insurance company will reimburse you after the fact. To get your money back, you’ll save medical records and itemized invoices from the vet and submit them as a claim to your pet insurance provider.

Most providers have online member portals and mobile apps to make claims submission a breeze. You’ll file your claim and then track its progress in your account. If all items are covered and eligible for reimbursement, your pet insurance provider will deposit your refund directly into your bank account or send a check by mail.

How to Choose the Best Pet Insurance in Nevada for You

Nevada’s population density is uneven, which means certain parts of the state are more heavily populated than others. This is a crucial factor to consider when buying pet insurance because your plan will cost more if you live in a more populated or higher-income area.

In addition to location, your pet insurance cost will also depend on your pet’s species, breed, age, and the coverage rates you select. The higher coverage rates you choose, the higher your price will be and vice versa.

To help you choose the best pet insurance in Nevada for your specific cost and coverage needs, we’ve retrieved some sample quotes from Spot. The low cost/low coverage option has a $2,500 annual limit, $1,000 annual deductible, and 70% reimbursement rate. The high cost/high coverage option has an unlimited annual benefit, a $100 annual deductible, and a 90% reimbursement rate.

Remember, Spot and other providers allow plan customization, so you’ll be able to select a middle-tier cost and coverage option instead of the extreme examples shown below. To find sample prices for your specific pet, you can visit most providers’ websites and generate a free quote in minutes.

City Age (In Years) Plan Type Monthly Cost

 

Las Vegas

1 Low cost/low coverage $30
High cost/high coverage $165
6 Low cost/low coverage $39
High cost/high coverage $231
Reno 1 Low cost/low coverage $27
High cost/high coverage $143
6 Low cost/low coverage $35
High cost/high coverage $200
Winnemucca 1 Low cost/low coverage $24
High cost/high coverage $121
6 Low cost/low coverage $30
High cost/high coverage $169

As you can see, higher coverage plans are far more expensive than their low coverage counterparts. You might feel tempted to choose the lowest cost option available but think about the coverage you’ll get for that price. 

You buy pet insurance so you’ll have a financial cushion in the event of a veterinary emergency. You won’t have much of a cushion if you have to reach a high deductible before coverage kicks in. Your annual limit will also be low, meaning you could use your full annual benefit to cover one vet bill.

Your pet’s age also plays a role in cost and sometimes coverage. Some providers like Healthy Paws limit your coverage depending on your pet’s age. No matter what, we suggest enrolling your pet as early as possible to avoid it developing any pre-existing conditions. Regardless, you’ll pay more for an older pet because it’s likely to have more frequent vet visits.

How Much Does Pet Insurance Cost in Nevada?

For pet insurance in Nevada, you’ll typically pay $30-$50 per month for dogs and $15-$30 per month for cats. These prices reflect a plan for a younger pet with a middle-tier level of coverage. As you saw in the last section, the coverage rates you select will largely affect your monthly cost, so keep that in mind when deciding on a plan.

Wellness plans typically cost a flat rate per month and won’t vary by your pet’s age, breed, or location. If you plan on purchasing a wellness package, be sure to check for provider-specific rules. For example, Lemonade matches your per-item wellness reimbursement rate to the rate you select for your pet insurance plan.

To give you a better idea of how rates vary across providers, we retrieved sample pet insurance quotes* for a 2-year-old German Shorthaired Pointer and American Bobtail cat living in Henderson, Nev.

Provider Sample Monthly Cost For Dogs Sample Monthly Cost For Cats Sample Monthly Wellness Cost
Spot $46 $28 $10-$25
Lemonade $18 $11

$16-$24 for dogs

$10-$16 for cats

Embrace $50 $31 $19-$52
Healthy Paws $43 $21 No wellness option
ASPCA $36 $18 $10-$25

*We selected a $10,000 annual limit, 80% reimbursement rate, and $500 annual deductible, when possible.

Final Thoughts

You should never have to roll the dice on your pet’s healthcare. With the right pet insurance plan, you won’t have to choose between top-notch veterinary care and maintaining your budget – you’ll have the coverage you need to support your pet.

We hope this article helps you find the best pet insurance in Nevada. We’ve discussed top providers, plans, add-ons, and price points, so you’re aware of all your options. But, if you’re still curious about a certain company, you can check out our comprehensive pet insurance reviews for more information. You’ll be one step closer to protecting your furry family member, no matter where you are in the Silver State.

Information for Pet Owners in Nevada 

Known as the gambling and entertainment capital of the United States, Nevada isn’t lacking when it comes to fun. There are plenty of destinations you and your pet can enjoy together, including Nevada’s long list of state parks. We’ll discuss a few more wag-worthy options below.

It’s no sin to have fun, but you also need to remember to follow the rules during your stay in the Sagebrush State. Below, we’ll also go over a few Nevada pet laws to keep you out of trouble. We’ll even drop some pet owner resources in case you need some support.

Nevada Pet Laws

Nevada’s pet laws vary by municipality, which means your county’s guidelines may differ from others. Regardless, pet laws are designed to protect the well-being of animals and create high pet ownership standards, so you should follow them no matter where you are.

  • It’s illegal to abandon your pet in Nevada.
  • It’s illegal to leave your pet in a car during extremely hot or cold weather or under any circumstances that endanger your pet’s health.
  • Dog licensing laws vary by municipality, so be sure to check on your local guidelines before acquiring a pet.
  • Nevada law prohibits restraining a pet for more than 14 consecutive hours.
  • Dog racing is a crime when done for gambling or betting purposes.
  • You can own no more than three dogs and three cats over the age of three months.

Fun Things to Do With Your Pet in NV

Las Vegas, NV, is a city built to house party animals, and with over 150,000 hotel rooms, it does just that. Many of Sin City’s hotels are pet-friendly, so your little buddy can enjoy Nevada in comfort and style. 

Here are some Las Vegas hotels that allow pets:

  • Four Seasons Hotel 
  • The Bellagio 
  • The Mirage
  • Caesars Palace
  • The Delano 

If you’re more interested in Nevada’s outdoor attractions, take your furry friend to North Zephyr Cove Beach on Lake Tahoe. Off-leash dogs can enjoy the beach’s rocky shores and sparkling waters. There’s a picnic area for the humans, along with local restaurants and hotels for an extended stay.

If you’re interested in finding a furever friend, you can visit Reno’s Enchanted Cat Cafe. During your visit, you can snack on a cat-shaped cookie, sip coffee, and enjoy some feline company. The cafe’s cats are all up for adoption, so you’ll possibly find your purrfect match.

Nevada Pet Resources

The Animal Foundation of the Las Vegas Valley operates the Keeping Every Person and Pet Together (KEPPT) program. This program provides financially struggling pet owners with veterinary care, pet deposit, and pet food assistance to keep pets with their families and out of shelters.

The Animal Foundation also provides low-cost spay/neuter services to locals. These surgeries help reduce pet overpopulation, roaming pets, and unwanted pet behaviors.

The Nevada Society for the Prevention of Cruelty to Animals provides a list of helpful pet owner resources on its website. The list includes organizations aiming to support pet owners struggling to afford veterinary care.

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.