5,534 pet owners requested and received a free no-obligation quote from one of the above companies in the last 30 days.
Compare Pet Insurance Companies in Nevada
Company | Monthly Cost | Star Rating | BBB Rating | Accident Waiting Period | Visit Site |
---|---|---|---|---|---|
$15-$30 |
4.8
|
B- | 2 days | Compare Plans | |
$34-$75 |
4.5
|
A- | 14 days | Compare Plans | |
$39-$73 |
4.7
|
A+ | 48 hours | Compare Plans | |
$18-$44 |
4.8
|
N/R | 15 days | Compare Plans | |
$24-$54 |
4.0
|
A+ | 15 days | Compare Plans |
Company | Monthly Cost | Star Rating | BBB Rating | Accident Waiting Period | Visit Site |
---|---|---|---|---|---|
$15-$30 |
4.8
|
B- | 2 days | Compare Plans | |
$34-$75 |
4.5
|
A- | 14 days | Compare Plans | |
$39-$73 |
4.7
|
A+ | 48 hours | Compare Plans | |
$18-$44 |
4.8
|
N/R | 15 days | Compare Plans | |
$24-$54 |
4.0
|
A+ | 15 days | Compare Plans |
Why Trust Us?
Here’s a breakdown of how we reviewed and rated the best pet insurance companiesNevada’s Top 5 Pet Insurance Companies
Continue reading to learn more about the top-rated pet insurance providers to choose the best one for your needs.
- Spot: Most Customizable Coverage
- Embrace: Our Pick for Savings
- ASPCA Pet Health Insurance: Our Pick for Older Pets
- Healthy Paws: Most Affordable Unlimited Coverage
Lemonade
Cheapest plans for dogsPlan options: 5/5
Custom coverage levels: 4.3/5
Covered treatments: 5.3/5
Customer experience: 4.3/5
Waiting periods: 5/5
Reputation: 4.5/5
Eligible age limit: 5/5
Pros and Cons
Coverage and Cost
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, according to quotes our team gathered.
You can choose from the following options to personalize your Lemonade pet insurance plan:
- Annual limits: $5,000, $10,000, $20,000, $50,000, $100,000
- Annual deductibles: $100, $250, $500
- Reimbursement rates: 70%, 80%, 90%
Lemonade’s accident and 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 preexisting conditions, dental illnesses, preventable conditions, alternative therapies, elective procedures or incidents that occur during waiting periods.
Lemonade’s accident and 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.
Spot Pet Insurance
Most Customizable CoveragePlan options: 5/5
Custom coverage levels: 5/5
Covered treatments: 4.7/5
Customer experience: 4.7/5
Waiting periods: 4.5/5
Reputation: 4.5/5
Eligible age limit: 5/5
Pros and Cons
Coverage and Cost
When our team requested quotes, Spot pet insurance cost $30 to $50 per month for dogs and $18 to $25 per month for cats. To personalize your monthly price, you can mix and match the following coverage rates:
- Annual limits: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, unlimited
- Annual deductibles: $100, $250, $500, $750, $1,000
- Reimbursement rates: 70%, 80%, 90%
With any Spot accident and 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 preexisting conditions, grooming services, elective procedures, breeding costs, boarding costs or accidents and illnesses that occur during waiting periods.
Spot’s accident and 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, spay or neuter procedures, wellness exams, parasite prevention, vaccinations, fecal tests, blood work, urinalysis and health certificates.
For more information, check out our Spot pet insurance review.
Embrace
Our Pick for SavingsPlan options: 5/5
Custom coverage levels: 5/5
Covered treatments: 6/5
Customer experience: 5/5
Waiting periods: 5/5
Reputation: 4/5
Eligible age limit: 5/5
Pros and Cons
Coverage and Cost
Embrace plans cost an average of $30 to $40 per month for dog insurance and $15 to $20 for cat insurance based on quotes our team requested. You can choose from the options below when building your Embrace plan:
- Annual limits: $5,000, $8,000, $10,000, $15,000, $30,000
- Annual deductibles: $200, $300, $500, $750, $1,000
- Reimbursement rates: 70%, 80%, 90%
Embrace’s accident and 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 preexisting 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 preexisting 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 to $52 per month for $250 to $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.
ASPCA Pet Health Insurance
Our Pick for Older petsPlan options: 5/5
Custom coverage levels: 4.3/5
Covered treatments: 5.7/5
Customer experience: 4.3/5
Waiting periods: 4.5/5
Reputation: 4/5
Eligible age limit: 5/5
Pros and Cons
Coverage and Cost
ASPCA Pet Health Insurance plans cost around $50 per month for dogs and $30 per month for cats based on quotes our team requested. Its plans are customizable, and you can choose from the following rates:
- Annual limits: $3,000, $4,000, $5,000, $7,000, $10,000
- Annual deductibles: $100, $250, $500
- Reimbursement rates: 70%, 80%, 90%
ASPCA Pet Health Insurance 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 Pet Health Insurance accident and 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 Pet Health Insurance doesn’t cover preexisting 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 Pet Health Insurance 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 and heartworm prevention, health certificates, deworming, wellness exams and a dental cleaning or spay or neuter procedure.
Healthy Paws
Most Affordable Unlimited CoveragePlan options: 2.3/5
Custom coverage levels: 3.3/5
Covered treatments: 4.7/5
Customer experience: 4/5
Waiting periods: 3.8/5
Reputation: 4.5/5
Eligible age limit: 4.5/5
Pros and Cons
Coverage and Cost
With Healthy Paws pet insurance, you’ll pay about $40 per month for dogs and $20 per month for cats, according to quotes our team gathered.
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 limits: Unlimited
- Annual deductibles: $100, $250, $500
- Reimbursement rates: 70%, 80%, 90%
Pets 4 and 5 years old:
- Annual limits: Unlimited
- Annual deductibles: $250 or $500
- Reimbursement rates: 70% or 80%
Despite Healthy Paws’ limitations on older pets, the provider offers comprehensive accident/illness coverage regardless of age.
Healthy Paws’ accident and 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 preexisting conditions, elective procedures, boarding costs, preventative care, spay or 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.
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 afterward. 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 simple. 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
Choosing the right plan means carefully weighing the cost and coverage options from multiple providers. Your pet insurance cost will 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 retrieved some sample quotes from Spot for a mixed-breed dog. 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 |
Las Vegas | 6 | High cost/high coverage | $165 |
Las Vegas | 1 | Low cost/low coverage | $39 |
Las Vegas | 6 | High cost/high coverage | $231 |
Reno | 1 | Low cost/low coverage | $27 |
Reno | 6 | High cost/high coverage | $143 |
Reno | 1 | Low cost/low coverage | $35 |
Reno | 6 | High cost/high coverage | $200 |
Winnemucca | 1 | Low cost/low coverage | $24 |
Winnemucca | 6 | High cost/high coverage | $121 |
Winnemucca | 1 | Low cost/low coverage | $30 |
Winnemucca | 6 | High cost/high coverage | $169 |
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 them being denied due to any preexisting conditions. Regardless, you’ll pay more for an older pet because it’s more likely to have frequent vet visits.
How Much Does Pet Insurance Cost in Nevada?
For pet insurance in Nevada, you’ll typically pay $30 to $50 per month for dogs and $15 to $30 per month for cats, based on quotes our team gathered from multiple providers. These prices reflect a plan for a younger pet with a middle-tier level of coverage. 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.
Nevada Pet Insurance 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.
Frequently Asked Questions About Pet Insurance in Nevada
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.
Pet insurance costs will vary based on your pet insurance provider, location, your pet’s breed, your pet’s age, and more. Other factors that will influence the cost of pet insurance include the type of plan you choose, especially if the plan has extensive coverage or you opt for preventative care add-ons. The more coverage your plan has, the higher the cost is likely to be.
To give you a general idea of pet insurance costs, we’ve researched the following numbers for you by pulling quotes from multiple providers. Currently, most dog insurance plans cost around $28 per month on average, and cat insurance plans can cost as little as $11 per month. Depending on the plan, you can expect to pay anywhere from $10 per month to $90 per month in most cases.
Methodology: Our System for Ranking the Best Pet Insurance Companies
We review each pet insurance company based on factors most important to pet parents like you. To inform our reviews, we surveyed 1,000 dog and cat owners nationwide to determine the most important elements of pet insurance coverage. Our process includes in-depth industry research about each provider, such as comparing coverage options, gathering quotes online to determine pricing and reading reviews to assess customer service.
We then score each provider on a 100-point scale and divide the final score by 20 to calculate an overall rating out of 5.0 stars. Here are more details about the factors we consider when reviewing pet insurance providers:
- Monthly pricing (25%): To assess pricing, we collect sample quotes for medium-mixed breed and purebred dogs and cats, ranging from four years old to one year old. Providers earn the most points in this category for offering affordable coverage and a multi-pet discount.
- Plans (15%): The best pet insurance companies offer a range of plans to give customers the option to choose the coverage that is best for their pet. Companies offering accident and illness plans, accident-only plans, and wellness or preventive care add-ons earn full points in this category. We also look at coverage limits and award the most points for policies with unlimited coverage.
- Covered treatments (15%): According to our survey of pet owners, coverage is one of the most important factors when shopping for pet insurance. Companies with a breadth of included treatments and unique coverages receive more points in this category than providers with more standard or general policies.
- Customization options (10%): Customizing your pet insurance policy can help lower your cost. Providers that offer more annual limit, deductible and reimbursement rate options earn the highest scores in this category.
- Customer care (10%): Respondents to our survey also valued customer service when comparing pet insurance providers. We score each company based on its website accessibility and overall usability, customer service availability, mobile apps, money-back guarantees and veterinarian telehealth options, awarding points to insurers with more customer experience offerings.
- Industry reputation (10%): We review up-to-date ratings and accreditation information from the Better Business Bureau (BBB) and score companies based on years of industry experience and state availability.
- Waiting periods (10%): Companies with shorter accident, illness and orthopedic waiting periods between the time you sign up for coverage and your policy starts score higher in this category.
- Eligible age (5%): Some companies do not offer policies for pets over a certain age. For this category, we deduct points from providers that have age limits for covered pets.
We use our rating system to compare each company we review and determine the best pet insurance companies in the industry. To learn more, read our full pet insurance methodology for reviewing and scoring providers.
Faith Wakefield is a writer based in North Carolina. She holds economics and English degrees from UNC Chapel Hill, and her work has been featured on EcoWatch, The World Economic Forum and Today’s Homeowner. In her free time, she loves to binge-watch personal finance videos on YouTube, collect books and spend time in nature.
Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.