Pet insurance in Wyoming can help you prepare for unexpected and costly vet bills. Learn more about coverage and costs today.
The Best Pet Insurance Companies in Wyoming (2024)
After a thorough analysis of the pet insurance providers in Wyoming, we at the MarketWatch Guides named Spot and Embrace as our top picks. To determine the best pet insurance providers in the Equality State, we considered factors including cost, customer satisfaction, availability in the state and coverage and customization options.
Our Rankings of Pet Insurance Providers in Wyoming
After careful analysis, we believe the following providers offer the best pet insurance for Wyoming pet parents:
- Spot: Our Top Pick
- Embrace: Our Pick for Savings
- Healthy Paws: Most Affordable Unlimited Coverage
- ASPCA Pet Health Insurance: Our Pick for Older Pets
- Fetch: Our Pick for Comprehensive Coverage
- Figo: Most Flexible Reimbursement Rates
What’s the Best Pet Insurance in Wyoming?
Based on our research, Spot is the best pet insurance company in Wyoming. We found that its customizable plans and comprehensive coverage make it an excellent choice for many pet owners.
What Other Pet Insurance Providers Operate in Wyoming?
Compare Pet Insurance Companies in Wyoming
There’s no shortage of options when it comes to pet insurance, but some providers will be a better fit for your needs than others. Evaluate and compare several pet insurance providers based on the factors most important to you.
Company | Monthly Cost | Star Rating | BBB Rating | Accident Waiting Period | Visit Site |
---|---|---|---|---|---|
$34-$75 | A- | 14 days | Compare Plans | ||
$39-$73 | A+ | 48 hours | Compare Plans | ||
$24-$54 | A+ | 15 days | Compare Plans | ||
$18-$44 | N/R | 14 days | Compare Plans | ||
$45-$90 | A+ | 15 days | Compare Plans | ||
$25-$54 | B | 1 day | Compare Plans |
Company | Monthly Cost | Star Rating | BBB Rating | Accident Waiting Period | Visit Site |
---|---|---|---|---|---|
$34-$75 | A- | 14 days | Compare Plans | ||
$39-$73 | A+ | 48 hours | Compare Plans | ||
$24-$54 | A+ | 15 days | Compare Plans | ||
$18-$44 | N/R | 14 days | Compare Plans | ||
$45-$90 | A+ | 15 days | Compare Plans | ||
$25-$54 | B | 1 day | Compare Plans |
How Much Does Pet Insurance Cost in Wyoming?
We estimate that the average cost of pet insurance in Wyoming is $55 for dogs and $26 for cats. Pet insurance costs depend on several factors, including where you live and your pet’s age, species and breed. The extent of coverage also influences pricing.
To determine the average cost of pet insurance in the Equality State, we requested quotes from 10 popular providers in the area for four sample pets, including a 5-year-old male mixed-breed dog, a 2-year-old female large golden retriever, a 5-year-old male mixed-breed cat and a 2-year-old female Siamese cat.
Here’s a rundown of pet insurance costs in Wyoming delineated by provider and pet type.
Provider | Dog Insurance | Cat Insurance |
Spot | $66 | $28 |
Embrace | $67 | $34 |
Healthy Paws | $53 | $20 |
Fetch | $69 | $40 |
Figo | $35 | $16 |
Pets Best | $34 | $16 |
Paw Protect | $68 | $35 |
ASPCA Pet Health Insurance | $36 | $14 |
ManyPets | $36 | $19 |
Trupanion | $90 | $40 |
What’s the Cheapest Pet Insurance in Wyoming?
Based on the data we collected, the cheapest pet insurance in Wyoming is Pets Best for dogs and ASPCA Pet Health Insurance for cats. The two providers offer similar coverage options, and neither has significant marks against it, according to our research. While you should always consider price when shopping for pet insurance, other factors are also important. In short, it’s a good idea not to settle for coverage simply because it’s the cheapest option.
How To Choose the Best Pet Insurance in Wyoming
Aside from prices, here’s what to keep in mind when choosing the best pet insurance provider for you:
- Coverage and plan types: The coverage your pet receives depends on the plan you choose. Accident-only plans only cover issues such as fractures, lacerations, sudden dental trauma and eye injuries, while accident and illness plans provide more comprehensive coverage, including conditions such as infections, cancer and kidney or liver problems. Some providers also offer the option to add on wellness care coverage.
- Fine print: Policy documents explain what conditions are excluded and other restrictions.
- Customization: Most pet insurance providers allow you to customize your policy by adjusting the annual coverage limit, deductible and reimbursement rate to find a premium price that fits your budget. Customization can help keep your premiums affordable as your pet ages.
- Customer satisfaction: Hear from actual customers by reading reviews on unbiased sites such as Trustpilot and the Better Business Bureau to get insights about the provider’s pros and cons.
Pet insurance price and availability depend on where you live. When researching providers, ensure they operate in Wyoming by using your ZIP code when requesting quotes.
What Are the Pet Laws in Wyoming?
Wyoming pet laws attempt to make sure that pets, residents and the abundant wildlife who call the Equality State home can live together peacefully and safely. Cities further impose pet laws. Here’s a selection of pet laws in cities around the state.
Cheyenne Pet Laws
- Unless they’re on their owner’s property, pets must be under restraint at all times.
- If someone owns a dangerous pet, the animal must be secured and muzzled.
- Owners are responsible for preventing their dogs from barking, howling or whining excessively.
Casper Pet Laws
- Dogs and cats must wear valid license tags at all times unless they’re on their owner’s property.
- Casper, Wyo. citizens can keep no more than three cats and three dogs.
- Owners are responsible for removing their pet’s waste from public areas and walkways.
Gillette Pet Laws
- If a dog harasses, kills, wounds or injures livestock or big game wildlife, the owner may be guilty of a misdemeanor crime.
- An animal control officer can enter private property to capture a pet alleged to be on the loose.
- Owners are responsible if their pet damages property while running loose.
Understanding Pet Insurance Terminology
The ins and outs of pet insurance may seem confusing, but familiarizing yourself with key terminology can help you understand how pet insurance works. Honing in on these terms should help you navigate the pet insurance world with more clarity:
- Pet insurance providers have waiting periods, which is the time from when you purchase a policy until coverage begins. Most pet insurance providers have a 14- to-15-day waiting period for illnesses, and some have shorter waiting periods for accidents. Extended waiting periods of six to 12 months are also common for orthopedic conditions.
- A deductible is the amount you pay toward your pet’s veterinary bills each year before your insurance provider starts contributing to your claims. Many providers allow you to set your deductible based on your preferences.
- The price you pay per month to keep your pet insured is your premium. This cost depends on factors such as where you live and your pet’s species, age and breed, as well as your chosen deductible, reimbursement rate and annual coverage limit.
- A reimbursement rate is the percentage of your pet’s eligible vet bills for which your provider will reimburse you after you meet your deductible.
- Coverage limits are the per-incident, per-year or per-lifetime maximum that a provider will pay. Some providers offer unlimited coverage.
Is Pet Insurance Worth It in Wyoming?
Though great places to raise an active pet, Wyoming’s several pet-friendly parks and other landscapes provide ample opportunities for your pet to get sick or injured. Having pet insurance can help you offset the cost of veterinary care if your pet experiences a medical emergency.
Our top picks for Wyoming pet parents are Spot and Embrace, but we recommend that you consider all the insurers on our list.
Frequently Asked Questions About Pet Insurance in Wyoming
A run-in with a moose can leave your pet severely injured and require extensive veterinary care. Pet insurance will likely cover moose-related injuries, which means you won’t be solely responsible for covering the high veterinary bills that come after an unfortunate wildlife encounter.
Pets are susceptible to altitude sickness. Potential signs include vomiting, increased heart rate, facial and limb swelling, excessive panting and drooling, nosebleeds and collapse. If not treated, altitude sickness can become life-threatening. Luckily, the condition is generally covered by pet insurance.
Wyoming pet insurance providers typically have waiting periods for accidents, illnesses and orthopedic conditions such as cruciate ligament injury and hip dysplasia. Common waiting periods are one or two days for accidents, 14 or 15 days for illnesses and between six and 12 months for orthopedic conditions.
Hip dysplasia is typically covered by Wyoming pet insurance as long as the condition manifests and is diagnosed after enrollment and the specified waiting period. Some insurance providers, such as Healthy Paws, won’t cover hip dysplasia in older pets.
How We Ranked and Rated Pet Insurance Providers in Wyoming
We performed extensive research to determine the best pet insurance providers in Wyoming. We considered factors such as premium costs, availability in the Equality State, coverage options, customization flexibility and available discounts. We also relied on insights from a survey of pet owners with pet insurance to determine what Wyoming pet parents thought was important when investing in a pet insurance policy. We also looked at the average age of pets in Wyoming and the most common types of accidents and illnesses they experience.
To collect cost data, we obtained quotes from each pet insurance provider for four sample pets including a 5-year-old medium male mixed-breed dog, a 2-year-old female large golden retriever, a 5-year-old male mixed-breed cat and a 2-year-old female Siamese cat.
You can read more about our process in our pet insurance methodology and editorial guidelines.