Best Pet Insurance Companies & Plans in Wyoming (2023 Review)
Learn more about the following providers so that you can choose the best pet insurance for your needs:
- Spot: Best overall
- Lemonade: Most affordable
- ASPCA: Most experienced
- Embrace: Best for deductibles
- Healthy Paws: Best for chronic conditions
- Prudent Pet: Best for dog and cat parents who want basic options
- Figo: Most flexible reimbursement rates
- Wagmo: Best for immediate reimbursement
- Trupanion: Most flexible deductible
Pet Laws in Wyoming
Wyoming, like most of the other states, has dog or pet laws to benefit the animal, the owners and the public in generals. The laws that are most commonly referred to include:
- Any dog that is off its own property must be on a leash and must be held by an individual who is capable of maintaining control of the dog.
- Dogs and cats in Wyoming must be licensed and have rabies shots.
- Households cannot have more than four animals in their homes.
- Any dog owner that knows his dog has killed any livestock must dispose of the dog.
The pet laws in effect in Wyoming are meant for residents as well as visitors and vacationers in Wyoming.
Pet-Friendly Things in Wyoming
Pet owners in Wyoming enjoy spending time with their pets so much that many of them choose to work for employers who allow them to bring their dog or pet to work. Here are some pet-friendly employers in Wyoming.
- PetSmart in Casper
- Diversified Transfer & Storage in Cheyenne
- Petco in Rock Springs
- Dig in Casper
- Care.com in Alpine
- United Service Dog in Cheyenne
- Happy Trails Pet Resort in Jackson
When they’re not at work, pet owners and their pets can continue to spend time together at the many pet-friendly places in Wyoming.
- Elk Country Inn in Jackson offers rooms for pets of any size.
- Nagle Warren Mansion B&B in Cheyenne offers pet-friendly rooms and allows up to two pets per room.
- Sidewinders Tavern in Jackson is a sports bar that offers burgers, beer and upper deck seating for dogs.
- Café Genevieve in Jackson serves breakfast, lunch and dinner as well as special seating for your canine friend.
- Laramie’s Basecamp in Laramie is a store that sells everything you need for your next outdoor adventure, and your dog is welcome to shop with you.
- Sheridan Dog Park in Sheridan is a leash-free park where your dog can run freely.
Monthly Cost for Pet Insurance in Wyoming
Many pet owners are surprised to realize how inexpensive pet insurance can be, especially when they consider how much it covers and how expensive veterinary care can be for a serious injury or illness. Pet insurance doesn’t typically cover routine office visits, vaccinations and wellness checks, although some policies allow you to purchase that coverage as an add-on.
It’s designed to help pet owners pay for unexpected accidents and sickness, and these are the expenses that can be outrageously expensive. Pet insurance usually covers these issues:
- Cancer treatment
- Prescription drug coverage
- Diagnostic testing and imaging
- Surgery, hospitalization and nursing care
- Breed-specific conditions
- Alternative therapies and rehabilitation
- Veterinary exam fees
- ER and specialist care
Here are some examples of what premiums would be in five different zip codes in Wyoming for a policy that pays 80% with $250 deductible. The monthly premiums are for a medium size, mixed breed dog, aged three years old.
Wyoming Veterinary Costs
Pet owners in Wyoming pay about $1,300 annually for unexpected vet bills, which means veterinary services that are not routine office visits. When we think how simple routine checkups, wellness checks, shots, etc. only run a couple of hundred dollars, $1,300 seems like a lot, but it’s not. When a pet has a serious health condition or is injured, veterinary care can run into the thousands.
Depending on what it’s for, surgery for dogs can run from $250 to $5,000 or more. If the dog suffered from a broken bone, there would also be expenses for medication and therapy. Cancer treatments are also very expensive. Chemotherapy and/or radiation often costs about $1,000 per treatment, and dogs may need from five to ten treatments.
If there’s a tumor involved, surgical removal can go to $2,000 or more depending on the location and size. These are the type and size veterinary bills that make pet insurance a good idea.
Low-Income Pet Help in Wyoming
Caring for a pet is a big responsibility and, as hard as we all try, sometimes circumstances make it difficult. It could be unemployment, illness, unusually high veterinary bills or some other situation. It’s nice to know several organizations in Wyoming offer help to pet owners in need.
Cheyenne Animal Shelter – offers low-cost spay/neuter services and trap-neuter-return for area cats
Central Wyoming Spay & Neuter Foundation – offers spay/neuter vouchers
Wyoming Spay and Neuter – offers low-cost spay/neuter for pets and feral cats
Fur Kids Foundation in Campbell County – offers veterinary financial assistance to needy pet owners as well as educational programs on responsible pet ownership
Animal Medical Center of Wyoming in Gillette – offers low-cost veterinary care
Marin Humane Society – offers pet care assistance to low-income pet owners
Frequently Asked Questions About Pet Insurance in Wyoming
How much does pet insurance cost?
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 and if 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. Currently, most dog insurance plans cost $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.
Is buying pet insurance worth it in Wyoming?
For most pet owners, pet insurance is absolutely worth it. We never know when our pet could have an unexpected accident or develop an illness, so having a backup plan in place to help pay for your pet’s vet bills is beneficial for most pet parents. Vet bills can quickly add up to hundreds, or even thousands of dollars, which many pet parents don’t have readily available.
Having pet insurance protects you financially and gives you peace of mind that you won’t have to say no to recommended treatments to benefit your pet’s health and happiness.
Do all vets take pet insurance?
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.
Here at 365 Pet Insurance, our research team looks to examine all pet insurance policies and comes up with reviews based on:
- Plan options
- Customer service
- Species available
- Wellness benefits
We’ve created a 5-star rating system to score pet insurance brands based on a 100-point scale. To develop a list of the best pet insurance plans, we looked into plans, rating coverage, claims handling, reimbursements, deductibles, and limitations.
Each factor is weighted differently based on the following factors:
- Monthly Pricing (25 points): How each pet insurance company charges for their plans is a crucial part of the decision-making process of the customer. Affordable rates and comprehensive coverage are the defining characteristics of providing the best pet insurance.
- Coverage (20 points): We scored companies based on the treatments and procedures they cover. Providers offering broader coverage and more unique treatments received more points. Pet insurance policies are not offered by all companies for older pets. Providers who have an age limit on the pets they cover were deducted points.
- Plans (15 points): Pet insurance providers offer accident-and-illness plans, accident-only plans, wellness add-ons, and pet preventive care add-ons, so customers can choose the right plan for their pets. We also factored in costs to achieve the most comprehensible review for your pet’s needs.
- Customization Options (10 points): You can ensure your pet only gets what they need by customizing your policy. A higher score was earned by providers who offered a greater range of annual limits, deductibles, and reimbursement rates.
- Customer Service (10 points): We scored companies based on their website accessibility and usability, mobile apps, and grating points to companies with the most customer experience options.
- Industry Reputation (10 points): We assessed each company’s industry reputation by reviewing up-to-date BBB ratings and accreditation information, as well as their years of experience in the industry.
- Waiting Periods (10 points): Companies with shorter accident and illness waiting periods scored higher than companies with longer waiting periods.
Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.