The Best Pet Insurance Companies in North Dakota (2024)

Lemonade stands out for its low rates — <strong>starting at $10 per month</strong> for basic coverage that costs less than other companies. The company’s base accident and illness plan remains cost-effective by offering extra coverage as optional add-ons so you can customize your policy.

Lemonade also offers home, renters, car and life insurance, and provides discounts for bundled services in North Dakota. Plus, it is a socially-conscious, public benefit corporation — Lemonade takes a flat fee from premiums to cover business costs and claims, and donates the rest to charitable organizations.

Coverage and Cost

Lemonade offers an accident and illness plan that covers medical care related to hereditary, congenital and chronic health issues. You can supplement this plan with coverage add-ons for veterinary examination fees, physical therapy, dental work, behavior disorders and end-of-life care.

Like other pet insurance companies, Lemonade does not cover preexisting conditions. It also excludes preventable recurring conditions, such as your pet eating a rock for the third time, and elective, alternative or experimental treatments like acupuncture.

To determine average policy costs we obtained pet insurance quotes for a 4-year-old, medium-sized, mixed-breed dog and a 4-year-old, mixed-breed cat living in Bismarck, N.D. We adjusted deductibles and coverage limits to create a range and did not include add-ons.

• Dog: $13.58–$32.92 per month
• Cat: $11–$19.67 per month

Spot offers five deductible and seven coverage level options — including unlimited coverage. The company’s highly customizable plans allow you to find the right balance of risk versus reward, plus a monthly premium that works for you. Spot’s also offers you additional flexibility to choose between accident and illness or accident-only pet insurance coverage.

Spot’s plans are ideal for North Dakota pet parents looking for lower coverage limits and premiums without compromising on their pet’s care. Because the base plans are highly comprehensive, the only add-on the company offers is for wellness services.

Coverage and Cost

Spot offers two base-level plans: accident-only or accident and illness. The accident and illness plan is ideal for most pet owners, but the accident-only option may appeal to more financially secure pet parents who only want coverage for emergencies.

Spot provides comprehensive coverage, including treatments that many other providers exclude, such as acupuncture, stem cell therapy, physical therapy and behavior disorders. It also offers two optional add-on wellness coverage levels to help cover costs for routine preventive and dental care.

The following include sample premiums for Spot plans we pulled for a 4-year-old mixed-breed dog and cat in Bismarck, N.D.:

• Dog: $12.22–$136.38 per month
• Cat: $7.12–$82.78 per month

Embrace has low overall costs for the coverage its plans provide. The company offers additional discounts for multi-pet coverage, veterans and if you are enrolled in employer-sponsored coverage. Embrace also offers a unique incentive compared to other pet insurance providers by lowering your deductible by $50 each year you do not file a claim.

Coverage and Cost

Embrace offers one accident and illness plan that covers most treatments at reasonable monthly rates, with several options for your deductible and annual coverage limit. The policy does not cover preexisting conditions and some alternative and physical therapies, but extends full coverage to chronic conditions, cancer treatments, breed-specific diseases and preventable conditions. However, if your pet’s preexisting condition is curable and they are symptom-free for one year, Embrace will cover future occurrences.

The company’s wellness plan add-on can help you budget for routine care expenses, but the coverage cap is not much higher than what you would end up paying in total premiums. This service provides little added value unless you are confident you will exhaust the entire allotted amount throughout the year.

The following are sample premiums we pulled for Embrace plans for a 4-year-old mixed-breed dog and cat in Bismarck, N.D.:

• Dog: $11.76–$56.43 per month
• Cat: $6.91–$33.17 per month

Healthy Paws is our pick for unlimited coverage because it never imposes coverage limits on any plan and has lower monthly rates compared to competitors. To keep plans affordable, Healthy Paws extends slightly lower reimbursement rates and higher deductibles, especially for pets older than 6 years. The company offers unlimited plans that provide North Dakota pet owners peace of mind since they will never exceed their coverage limit.

Coverage and Cost

Healthy Paws offers an unlimited accident and illness plan, with no add-on or wellness options. Its plans are not as customizable as other providers on this list — we noticed only two deductible and reimbursement options when pulling sample quotes on the Healthy Paws website.

Healthy Paws rates are in the mid-range, but lower than unlimited options from other providers. For pet owners who know exactly what they want in a pet insurance policy and don’t need customization options, Healthy Paws could be a good fit.

Below are sample Healthy Paws premiums we pulled for a 4-year-old mixed-breed dog and cat in Bismarck, N.D.:

• Dog: $33.58–$44.19 per month
• Cat: $15.67–$20.65 per month

Figo is the only pet insurance provider on our list that offers a 100% reimbursement option, although it is not available with the unlimited coverage option. With multiple reimbursement and deductible options, Figo’s plans are flexible and adjustable to accommodate your furry friend’s needs at low starting rates.

Figo also offers an interactive mobile app and fast claims reimbursement. Plus, the company will waive its orthopedic waiting period if a vet deems your pet healthy within 30 days of purchasing a policy.

Coverage and Cost

Figo offers a comprehensive accident and illness plan that covers holistic treatments, rehabilitation and treatment for chronic diseases and hereditary conditions. Flexible reimbursement and deductible options allow pet parents to customize their monthly premium, with some of the lowest rates on our list.

Multiple add-ons called “power-ups” can round out your insurance needs beyond health care, including options for end-of-life care, vacation cancellation due to pet illness and liability coverage if your pet causes property damage. Wellness checkups, examination fees and prescription food coverage are also optional.

The following are sample premiums for Figo plans we pulled for a 4-year-old mixed-breed dog and cat in Bismarck, N.D.:

• Dog: $9.91–$62.47 per month
• Cat: $5.04–$31.74 per month

Fetch stands out for offering a standard plan that includes unique treatments and therapies that other providers don’t always cover. The company extends coverage for holistic and physical therapies, examination fees, all-tooth dental accidents or injuries, breed-specific issues and boarding fees if a pet owner is in the hospital.

Coverage and Cost

Fetch offers one standard accident and illness plan with no optional add-ons or wellness coverage, but it builds many of the coverage extras offered by other companies into its plans. Its deductibles, coverage limits and reimbursement rates are adjustable so you can customize your premiums. However, when pulling sample quotes online we found the cost differences between high and low coverage limits to be minimal.

If you want simple, inclusive coverage without worrying about extras and add-ons, Fetch is a good option, but you may see your premiums increase along with your pet’s age.

Below are sample premiums for Fetch plans that we pulled for a 4-year-old mixed-breed dog and cat in Bismarck, N.D.:

• Dog: $21.54–$46.32 per month
• Cat: $20.16–$29.91 per month

We included ASPCA Pet Health Insurance in our list because it has the most experience supporting pet owners with nearly 20 years of experience in the insurance industry. While its premiums are a bit higher than some competitors, ASPCA Pet Health Insurance offers comprehensive coverage. It also offers an accident-only option for North Dakota pet owners looking for minimal coverage.

Coverage and Cost

ASPCA Pet Health Insurance providers complete coverage under its accident and illness plan, with the option to add preventive and wellness care. It also offers an accident-only plan to keep your monthly costs low. Overall, ASPCA Pet Health Insurance has solid insurance offerings, but a few downsides compared to other providers on our list. For example, the company does not offer an unlimited coverage option, and its premiums are higher than the industry average. But if you are looking for a company with a solid footing in the industry, ASPCA Pet Health Insurance may be a good choice.

The following are sample ASPCA Pet Health Insurance premiums that we pulled for a 4-year-old mixed-breed dog and cat in Bismarck, N.D.:

• Dog: $18.09–$95.33 per month
• Cat: $10.62–$59.32 per month