Our Rankings of Pet Insurance Providers in South Dakota
Our top picks for the best pet insurance providers in South Dakota are:
- Spot: Most customizable coverage
- Embrace: Our pick for savings
- Healthy Paws: Most affordable unlimited coverage
- ASPCA Pet Health Insurance: Our pick for older pets
What’s the Best Pet Insurance in South Dakota?
Based on our extensive analysis, we concluded that Spot Pet Insurance is the best pet insurance for South Dakota pet owners.
Spot Pet Insurance
Most Customizable Coverage
Embrace
Our Pick for Savings
Healthy Paws
Most Affordable Unlimited Coverage
ASPCA Pet Health Insurance
Our Pick for Older pets
Compare the Top Pet Insurance Providers in South Dakota
When looking for pet insurance, it’s important to shop around and gather quotes from multiple providers. Comparison shopping allows pet owners to make informed decisions based on their pet’s coverage needs and their budget.
| Company | Monthly Cost | Star Rating | Accident Waiting Period | BBB Rating | Visit Site |
|---|---|---|---|---|---|
| $34-$75 | 14 days | A- | |||
| $39-$73 | 48 hours | A+ | |||
| $24-$54 | 15 days | A+ | |||
| $18-$44 | 14 days | N/R |
| Company | BBB Rating | Monthly Cost | Star Rating | Accident Waiting Period | Visit Site |
|---|---|---|---|---|---|
| A- | $34-$75 | 14 days | |||
| A+ | $39-$73 | 48 hours | |||
| A+ | $24-$54 | 15 days | |||
| N/R | $18-$44 | 14 days |
How Much Does Pet Insurance Cost in South Dakota?
Pet insurance pricing depends on multiple factors such as your pet’s breed, age and where you live. Policies for purebred pets, especially those at high risk for hereditary conditions, are generally more expensive than mixed-breed pets. In addition, you can expect to pay more to insure older pets.
We determined pet insurance costs in South Dakota by requesting quotes from 10 trusted providers for four sample pets, including:
- A 5-year-old medium, mixed-breed male dog
- A 2-year-old female golden retriever
- A 5-year-old mixed-breed male cat
- A 2-year-old Siamese cat
Using this information, we determined the average cost of pet insurance in South Dakota is $58 per month for dogs and $27 for cats.
| Provider | Dog Insurance | Cat Insurance |
| Spot | $79 | $33 |
| Embrace | $61 | $31 |
| Healthy Paws | $42 | $21 |
| Fetch | $61 | $26 |
| Figo | $56 | $25 |
| Pets Best | $34 | $16 |
| Paw Protect | $62 | $32 |
| ASPCA Pet Health Insurance | $43 | $16 |
| ManyPets | $37 | $19 |
| Trupanion | $105 | $53 |
What’s the Cheapest Pet Insurance in South Dakota?
Based on our findings, Pets Best is the cheapest pet insurance provider in South Dakota. The insurer provides three tiers of accident and illness coverage for dogs and cats and two tiers of wellness care add-ons. While it has the lowest base prices for pet insurance in South Dakota, pet owners may have to pay more for comprehensive coverage.
The cheapest option is not always the best, and we advise researching several providers at different price points before choosing a policy.
How To Choose the Best Pet Insurance in South Dakota
When considering what pet insurance provider is best for you and your pet, it can help to consider the following factors:
- Coverage and plan types: The plan type you choose drives how much coverage your pet receives. Accident-only plans are typically the cheapest but provide the least amount of protection, only covering care related to accidental injuries. Accident and illness plans provide more extensive protection, including a wider array of conditions. For an additional fee, some providers allow you to add wellness packages to cover services such as vaccinations, spay and neuter procedures, and parasite prevention.
- Fine print: Each provider has different exclusions, limitations and claims processing requirements. Ensure you obtain a sample policy and read the fine print to determine these details. You can also learn more about a provider’s waiting periods and how to file a claim.
- Customization: Having the ability to customize your policy can help you balance coverage and price. Look for providers that allow you to choose your deductible, annual limit and reimbursement rate. For example, choosing a higher deductible and lower annual coverage limit can help lower premium prices. However, you may pay more out of pocket when you file a claim.
- Customer satisfaction: We suggest reading customer reviews on unbiased sites, such as Trustpilot and the Better Business Bureau (BBB), to find out what customers like and dislike about a provider.
What Are the Pet Laws in South Dakota?
South Dakota state laws regulate pet vaccination and sterilization, aggressive dogs and animal cruelty to help residents and animals remain healthy and better co-exist. Each city can also enact its own pet laws.
Sioux Falls Pet Laws
- Owners must control their dog’s barking at all times or risk having their pet impounded.
- Owners must keep pets on a leash at all times when off their property.
- If a dog bites a person or another animal, the owner is required to notify the police or animal control. The owner also cannot leave the scene until authorized by the responding officer.
Rapid City Pet Laws
- Owners cannot keep potentially dangerous animals on a porch, patio or any structure that can allow the animal to exit the building.
- No person may tease, bait or in any way bother any animal that does not belong to them.
- No owner can leave a dog, cat or other small animal unattended in a parked vehicle in a way that endangers its health.
Aberdeen Pet Laws
- Residents cannot keep more than three adult dogs or four adult cats in any dwelling in the city.
- A dwelling cannot have a mix of dogs, cats or any other type of animal — not including pigeons, chickens and fish — that exceeds four total.
- Pets must have adequate shelter from the weather, a good water supply, and adequate food and medical care.
Is Pet Insurance Worth It in South Dakota?
Pet insurance is generally worth considering for South Dakota pet owners. Coverage can help ensure an unexpected veterinary bill does not lead to financial strain. If your pet experiences an emergency, having pet insurance allows for proper care without worrying as much about the cost.
We determined through extensive analysis that Spot and Embrace are the best pet insurance providers in South Dakota. However, it is important to consider companies based on your pet’s needs and compare options to find the right policy for your situation.
Frequently Asked Questions About Pet Insurance in South Dakota
Pet insurance should cover veterinary fees related to rattlesnake bites, which could save you thousands of dollars in emergency care costs. If you are concerned about rattlesnake bites, read your policy’s fine print or contact customer service to inquire about coverage.
Most South Dakota pet insurance providers will cover surgery for an injury to your dog’s anterior cruciate ligament (ACL), also called the cranial cruciate ligament (CCL), after a specified waiting period. Most providers have a six-month waiting period for cruciate ligament events, but Spot only requires a 14-day delay.
However, if the condition was present before you purchased the insurance policy or if your dog had an ACL injury in another limb, your insurer will consider the issue pre-existing and not extend coverage.
Pet insurance providers typically exclude pre-existing conditions or health issues that occurred before or during the waiting period. However, some South Dakota providers will cover curable pre-existing conditions as long as a pet remains symptom- and treatment-free for some amount of time, often 180 days or a year.
Most South Dakota pet insurance providers we reviewed cover medication prescribed to treat an accident or illness. However, some medications, such as preventive medications for fleas, ticks and heartworms, are not covered unless you purchase a wellness add-on.
How We Ranked the Best Pet Insurance Providers in South Dakota
We looked at factors including price, customer service, plan types and customization, industry reputation and customer reviews to determine a star rating for each pet insurance provider on our list. We also assessed each provider’s availability in South Dakota, considered common pet health conditions in the state and used data from our 2023 Pollfish survey of 1,000 pet owners nationwide. Combined, this information helped us determine which factors South Dakota residents may value most when shopping for pet insurance.
We calculated average pet insurance prices by obtaining quotes for representative pets including a 5-year-old mixed-breed dog, a 2-year-old golden retriever, a 5-year-old mixed-breed cat and a 2-year-old Siamese cat. To learn more about our review process, you can reference our full pet insurance methodology and editorial guidelines.