The Best Pet Insurance Companies in Wisconsin (2024)

Lemonade earned 4.8 out of 5 stars based on our review methodology and is our top pick for providing Wisconsin pet owners with affordable pet insurance plans with quality coverage. The company relies on artificial intelligence (AI) to quicken the application and claims processes, allowing instant approval and reimbursement in some cases. 

Lemonade’s base plan provides basic accident and illness coverage that strikes a balance between cost and coverage. Those looking for a comprehensive policy will need to pay for riders that cover physical therapy, dental illness, behavioral treatments and end-of-life care. Like most other pet insurance plans, Lemonade does not cover pre-existing conditions.

We collected quotes from four sample pets, including a 5-year-old medium, mixed-breed dog, a 2-year-old golden retriever, a 5-year-old mixed-breed cat and a 2-year-old Siamese cat for 11 popular pet insurance providers in Wisconsin. 

Based on our analysis, we found the average cost of a Lemonade pet insurance plan in Wisconsin is $23 per month. 

Comparing annual premium costs to estimated annual pet ownership expenses, including veterinary visits, emergencies, medications and vaccines, we determined policyholders could save $588 per year with a Lemonade policy.

Because Lemonade’s standard plan covers only the basics, policyholders can add riders for additional coverage, including:

• Exam fees: $3–$6 per month
• Dental illness: $14 per month for dogs and not available for cats
• Behavioral conditions: $3–$4 per month
• Physical therapy: $1–$2 per month
• End-of-life remembrance: $2–$4 per month
• Wellness: $20–$30 per month for dogs and $11–$18 for cats

We gave Spot 4.5 out of 5 stars and named it our pick for the most customizable coverage. At sign-up, Badger State pet owners can choose from seven annual limits and five deductible options for accident and illness coverage or lower-cost accident-only plans.

Spot’s accident and illness plan covers major pet care services without the need for add-ons. Based on our cost analysis, pricing is competitive and customization options allow pet owners to lower monthly costs if needed.

Based on our research, the average cost of a Spot pet insurance plan in Wisconsin is $45 per month. 

When we compared annual premium costs to estimated annual pet ownership expenses, including vet visits, emergencies, vaccines and medications, we determined Spot policyholders could save $323 per year.

Spot’s low-cost accident-only plan costs $35 for dogs and $20 for cats. It offers two preventative care options — the Gold add-on is an extra $10 per month and the Platinum option adds $25 per month.

Embrace earned 4.7 out of 5 stars and is our top pick for savings. The Embrace policy is comprehensive, although in Wisconsin exam fees and prescription drug coverages are optional to help pet owners save money. Embrace offers unique wellness rewards with a lump sum benefit pet owners can use as they see fit, rather than setting a fee schedule that only partially covers most services. Additionally, Embrace offers multiple discount options for multi-pet homes, military veterans, corporate programs and healthy pets without claims.

As a note, Embrace does not turn senior pets away, but new enrollees older than 15 years are not eligible for full coverage. Instead, Embrace offers these pets an accident-only plan, which is also available to younger pets when speaking with customer service on the phone.

The average cost of an Embrace pet insurance plan in Wisconsin is $56 per month, according to our sample quotes. 

When we compared annual premium costs to estimated annual pet ownership expenses, including veterinary visits, emergencies, vaccines and medications, we found policyholders could save $251 per year with Embrace.

Embrace offers Wisconsin pet owners the choice of excluding exam fees and prescription drug coverage, which can save $4 to $8 per option each month. Additionally, pet owners can choose to use Embrace’s flexible wellness rewards program, which offers $250, $450 or $650 in annual benefits and costs an extra $18 to $52 per month.

Healthy Paws earned 4 out of 5 stars and is our pick for the most affordable unlimited coverage. Badger State pet owners worried about large or ongoing veterinary bills may appreciate that Healthy Paws never limits coverage on any policy. However, to keep monthly costs affordable, reimbursement rates decrease to 50% for senior pets. Healthy Paws also has a lengthy 12-month waiting period for hip dysplasia, whereas other providers on our list have six-month periods. 

According to our sample quotes, the average cost of a Healthy Paws plan in Wisconsin is $39 per month. 

Comparing annual premium costs to estimated annual pet ownership expenses, including vet visits, emergencies, medications and vaccines, we noted Healthy Paws policyholders could save $360 per year.

We gave Figo 4.7 out of 5 stars as our pick for Wisconsin’s most flexible reimbursement rates. Figo is one of the few plans we found that offers 100% reimbursement, although choosing this option means you must also choose a higher deductible. With four total reimbursement options, Figo has unique customization possibilities. It also has highly rated customer service and fast claims processing in as little as two to three days through its award-winning Pet Cloud app.

The average cost of a Figo pet insurance plan in Wisconsin is $33 per month, according to our sample quotes. 

After comparing annual premium costs to estimated annual pet ownership expenses, including veterinary visits, emergencies, vaccines and medications, we found Figo policyholders could save $470 per year.

Figo plans include exam fees for an additional $4 to $9 per month and policyholders can choose between two wellness options for an extra $10 or $17 per month.

Fetch earned 4.3 out of 5 stars as our pick for comprehensive coverage. Fetch plans are all-inclusive, even offering coverage for virtual vet visits and non-veterinary services that help pet owners deal with accidents and emergencies. Pet owners can also add a wellness plan for more comprehensive care. The downside of Fetch is its inclusion of more coverage equals higher monthly costs.

The average cost of a Fetch plan in the Badger State is $78 per month, according to our sample quotes. 

When we compared annual premium costs to estimated annual pet ownership expenses, we determined policyholders could lose $74 per year. Because Fetch plans come close to the break-even point, some policyholders could lose money while those who use their benefits more often will likely save money. 

Fetch offers optional wellness benefits in three tiers, which cost an additional $11 to $32 per month.

Wagmo earned 4.3 out of 5 stars as our top pick for the most wellness options. Wagmo operates differently than other providers on our list by focusing on wellness coverage — it offers three wellness plan options and standard accident and illness pet insurance. Wagmo wellness plans allow for larger reimbursements than many other providers we reviewed, covering the actual cost of many routine services rather than operating on a set fee schedule. 

The average cost of a Wagmo plan in Wisconsin is $23 per month, based on our findings. 

When we compared annual premium costs to estimated annual pet ownership expenses, including veterinary visits, emergencies, vaccines and medications, we determined Wagmo policyholders could save $590 per year.

Wagmo leads with its wellness plans. The company’s three wellness plan options include the following:

• Value: $25 per month for up to $350 in annual reimbursements 
• Classic: $45 per month for up to $650 in annual reimbursements 
• Deluxe: $65 per month for up to $1,100 in annual reimbursements