Get the Best Pet Insurance in Alaska in 2025

Sponsored by Figo Pet Insurance

Living in Alaska and wondering how to pick the best pet insurance in 2025? With so many options out there, it’s important to know what makes a policy worth it. The right plan should fit your budget and cover your pet’s unique needs.

In this guide, we’ll walk you through how to find the best pet health insurance for your furry companion. We’ll break down typical costs, compare top plans available, and highlight the specific protections and factors to keep in mind for Alaskans. By the end, you’ll be ready to choose a policy that keeps your pet happy and healthy in the Last Frontier.

Summary: Alaska Pet Insurance Ratings

AKC Pet Insurance

Best for pets with pre-existing conditions

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

ASPCA Pet Insurance

Best for wide-ranging coverage

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Embrace

Best for flexible policy options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Felix

Best for cats

Max Annual Coverage

$15,000

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Figo

Best for reimbursement options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$750

Pets Best

Best for senior pets

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$50-$1,000

Pumpkin

Best for puppies and kittens

Max Annual Coverage

Unlimited

Reimbursement Choices

90%

Deductible

$100-$1,000

Spot

Best for straightforward waiting periods

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Comparison information is provided using publicly available information as of 3/17/2025 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing info@petplace.com.

How Much Does Pet Insurance Cost in Alaska?

According to our research, Alaska pet insurance costs an average of $38 per month. This gets you a plan with $5,000 in annual coverage, a $250 deductible, and an 80% reimbursement level. For unlimited annual coverage with the same deductible and reimbursement rate, it's $58 a month*.

We calculated these figures by averaging the monthly costs from eight major pet insurance providers. To estimate typical expenses, we gathered quotes for a three-year-old, medium-sized, mixed-breed dog in two Alaska cities: Anchorage, a major urban center, and Sitka, an average-sized city for the state.

It's important to note that your own Alaska pet insurance cost will depend on factors such as:

• Annual limit, deductible, and reimbursement level. These are the three primary components that determine your monthly premium. The annual limit is the maximum amount the policy will pay out in a year. The deductible is the amount you pay out-of-pocket before the insurance starts to cover costs. The reimbursement level is the percentage of the covered costs the insurance pays after the deductible. Generally, the higher the annual limit and reimbursement level, the more expensive the policy will be.
• Breed and gender. Some breeds are more prone to certain health conditions than others, which can impact the cost of insurance. Additionally, some insurers may charge different rates based on the gender of your pet.
• Your location. Where you live can affect the cost of pet insurance. Urban areas tend to have higher premiums due to the higher cost of veterinary care in cities.
• Your pet’s age. Just like with human insurance, the younger your pet is when you enroll them in a policy, the lower the premium will be. As they age, premiums may increase.

Additionally, there are other factors that can affect the cost of pet insurance, such as pre-existing conditions, your pet’s lifestyle, and whether or not you choose to add on any optional coverage. That's why it's vital to compare Alaska pet insurance plans carefully and choose a policy that suits your budget and your pet's individual needs.

Cost of Pet Insurance for Dogs in Alaska

Per our research, the average cost of pet insurance for a medium-sized mixed breed dog in Alaska is $38 per month*. This is based on a policy with $5,000 of annual pet insurance coverage, a $250 deductible, and an 80% reimbursement level. A policy offering unlimited annual coverage, with a deductible of $250 and an 80% reimbursement rate, costs $58 monthly.

Cost of Pet Insurance in Alaska by Dog Breed

According to the American Kennel Club (AKC), the three most popular dog breeds of 2023 in the U.S. were the French Bulldog, Labrador Retriever, and Golden Retriever. Here are the monthly pet insurance rates you can expect to pay for these breeds in Alaska:

Cost of Pet Insurance for Cats in Alaska

Pet insurance for cats is significantly cheaper than dog insurance in Alaska. The average monthly cost for cat insurance in Alaska ranges from $17 to $41, depending on factors such as age, annual coverage, breed, deductible, plan type, and reimbursement amount**.

Cost of Pet Insurance in Alaska by Cat Breed

In 2023, the three most popular cat breeds in the U.S. were the Ragdoll, Maine Coon Cat, and Persian, according to the Cat Fanciers' Association (CFA). Based on our analysis of Alaska pet insurance, here are the average monthly rates for these breeds:

Cost Comparison for Pet Insurance Companies in Alaska

Types of Pet Insurance Plans

Pet insurance companies offer policies that cover a wide range of issues, from accidents and illnesses to routine care. Here's an overview of the most common types of pet insurance plans:

Accident and Illness

This type of policy typically covers unexpected accidents and illnesses, such as broken bones, cancer, and infections. It generally includes diagnostic tests, x-rays, ultrasounds, exam fees, hospital stays, surgeries, and prescription medications.

Coverage may also extend to treatments like prosthetic devices, mobility aids, and, in some cases, alternative therapies such as acupuncture or chiropractic care. Coverage for behavioral issues and insurance for senior dogs and senior cats can vary between providers and might not always be included in the base plan, requiring add-ons or separate policies.

Accident Only

Accident-only pet insurance policies are typically the most affordable plans available, covering injuries from accidents like cuts, broken bones, and sprains. This includes vet exams, diagnostic testing (x-rays, MRIs, ultrasounds), hospitalization (surgery and treatment), medications, and rehabilitation.

Wellness and Routine Care

Wellness and routine care plans help manage and offset the cost of preventive care to keep your pet healthy. These policies generally cover routine check-ups, vaccinations, dental cleanings, microchipping, deworming, spay/neuter surgeries, and flea and tick prevention. This type of coverage is often available as an optional add-on to an accident and illness policy.

Pre-Existing Conditions

Pet insurance providers traditionally do not cover pre-existing conditions, making this an essential factor for pet owners to consider when choosing a policy. A pre-existing condition is any health issue that your pet was diagnosed with or showed symptoms of before the start date of the insurance policy or during the waiting period.

However, some insurance companies distinguish between curable and incurable pre-existing conditions. For curable conditions, if your pet has been symptom-free and has not required treatment for a specific period – typically for 6 to 12 months before the policy start date – these conditions might then be eligible for coverage. In contrast, incurable conditions, such as chronic diseases or ongoing illnesses, are generally not covered at any point.

Review your sample policy from your provider for a full list of condition coverage and exclusions.

Reimbursement

Reimbursement rates dictate the percentage of the vet bill that will be paid back to you after you've met your deductible. Common reimbursement levels offered by pet insurance companies range from 70% to 90%. Keep in mind that higher reimbursement rates typically result in higher monthly premiums, so you'll need to find the right balance that works for your budget and needs.

Waiting periods are another vital component of pet insurance policies. They refer to the time between the start date of your policy and when coverage actually begins. Most pet insurance plans have a waiting period for both accidents and illnesses, which can range from a few days to several months.

Accidents usually have a shorter waiting period, often starting within 48 to 72 hours after the policy begins, while waiting periods for illnesses might last anywhere from 14 to 30 days or more. It's vital to note these periods because no claims can be made for accidents or illnesses that occur during the waiting period.

How to Find the Best Pet Insurance in Alaska

Alaska's extreme climate and vast wilderness present unique challenges for pets, making the right insurance plan essential for their safety and wellbeing.

Harsh winters bring risks like hypothermia and frostbite, especially for pets spending time outdoors. Ensuring proper shelter and limiting exposure during extreme cold is vital. Wild animals, including arctic foxes, also pose threats as common rabies carriers, making up-to-date vaccinations essential.

In many remote areas, access to veterinary care is limited, and emergency treatments can be costly. Choosing a pet insurance plan that covers preventive care, emergencies, and specialist consultations helps ensure you're prepared for unexpected situations.

Comprehensive coverage offers peace of mind, keeping your pet protected against Alaska’s unique risks all year long.

Here are some critical features to consider when choosing the best pet insurance plan in the Last Frontier:

• 24/7 vet helpline. Access to a round-the-clock veterinary helpline for immediate advice on emergency care or general health questions can be incredibly valuable. This is especially important in a state like Alaska where an emergency clinic may be hours away.
• Direct vet payments. Some insurance providers offer the option to pay your vet bills directly, so you don't have to pay out of pocket and wait for reimbursement.
• Wellness and routine care coverage. Choosing a policy that offers wellness and routine care coverage can help offset the costs of preventive care, which may be expensive in Alaska.
• Waiting periods. Consider the waiting periods for accidents and illnesses to ensure you understand when coverage will begin.
• Vet exam fees coverage. Including coverage for exam fees in your pet insurance plan can help you save money and ensure your pet gets the care they need.
• Multi-pet discount. If you have multiple pets, look for providers that offer discounts for insuring more than one pet.

Alaska Pet Laws

In Alaska, where sled dogs and wilderness adventures are part of daily life, understanding pet laws is key to keeping your animals safe and staying on the right side of local rules. From protecting pets during legal disputes to addressing dangerous behavior, here are the essential laws every Alaskan pet owner should know:

• Dangerous dogs. Any dog that bites or attacks a human without provocation is considered vicious. If such a dog is found running at large, anyone is legally permitted to kill it.
• Dogs harassing animals. Dogs that habitually harass wildlife or domestic animals, or show signs they might bite, may be lawfully killed if found at large. However, owners must be notified and given a chance to restrain the dog before this action is taken.
• Pets in domestic violence protective orders. Alaska law allows individuals seeking a protective order to request possession and use of a pet, regardless of ownership. This includes vertebrate animals kept for companionship, but excludes dogs used for mushing or rodeo animals.
• Consideration of pet well-being in divorce. Alaska was the first state to let courts consider a pet’s wellbeing in divorce cases. This means pets are treated as more than property, with decisions made based on what’s best for the animal.
• Trusts for pets. Owners can set up honorary trusts to provide for their pets' care, valid for up to 21 years. The trust ends when no living animals are covered, with remaining funds distributed as outlined by the law.

Anchorage Pet Laws

Anchorage, known for its stunning mountain views and thriving wildlife, has specific pet laws to ensure animals and residents coexist safely. Whether you're strolling along the Tony Knowles Coastal Trail or exploring local parks, here are the key rules every Anchorage pet owner should keep in mind:

• Control in public places. Animals in public must be on a leash and under the control of a competent person. Exceptions apply for dog parks or other designated off-leash areas, animal shows, and specific activities. Cats over four months must wear ID unless they’re on the owner’s property or securely confined.
• Licensing and rabies vaccinations. Dog owners must obtain a municipal license once their dog reaches four months old. Proof of current rabies vaccination is required for licensing dogs, cats, and ferrets.
• Animal disturbances and nuisances. It’s unlawful to allow animals to create chronic noise disturbances. Owners must also prevent their pets from leaving waste or scattering garbage on public or private property.
• Special purpose licenses. Certain activities, like breeding, running multi-animal facilities, or operating commercial services such as boarding or grooming, require a special license. Specific licenses are also needed for mushing facilities and animal rescue operations, each with set requirements and fees.

Fairbanks Pet Laws

Fairbanks, where the Northern Lights dance and sled dogs are part of the culture, takes pet ownership seriously. If you're a local pet parent, here are the key animal rules to help you stay compliant and keep your pets safe:

• Microchipping requirement. All dogs, cats, and ferrets released from the animal shelter must be identified by a microchip. If an animal doesn't have one upon arrival, it will receive one. Animal control keeps records of existing tattoos and all microchip numbers for 20 years.
• Impoundment of stray animals. Strays without ID are held for at least 72 hours, while those with ID are held for 120 hours. Reasonable efforts are made to contact owners. If unclaimed, the animal may be adopted or, if necessary, euthanized.
• Adoption requirements. All adopted dogs and cats must be spayed or neutered, potentially at the Borough's expense. Animals in poor health can only be adopted if their condition is manageable or if veterinary care is arranged.
• Rabies vaccination. Dogs, cats, and ferrets over four months old must be vaccinated against rabies. Proof of vaccination is required if requested by animal control, particularly after bite incidents or if an animal is found running at large. Animals released from the shelter must also be vaccinated.

Juneau Pet Laws

As Alaska’s capital city, Juneau is known for its breathtaking glaciers and vibrant wildlife. To protect its unique environment and community, the city has established clear animal laws for responsible pet ownership. Here’s what pet owners need to be aware of: pet ownership is a must. Here’s what pet owners need to know:

• Dog licensing and rabies vaccination. All dogs over six months old must be licensed with Juneau's animal control and have an up-to-date rabies vaccination from a licensed veterinarian.
• Restraint and prohibited areas for dogs. Dogs must be under restraint at all times. In leash law areas, like Juneau's central business district, leashes cannot exceed ten feet. Dogs are also prohibited in specific areas, including municipal cemeteries and the Salmon Creek Watershed.
• Regulations for dangerous animals. Pets classified as potentially dangerous or dangerous must meet strict guidelines, including secure confinement, muzzling and leashing (no longer than four feet) when off-premises, visible warning signs, liability insurance, and a special license and tag. Spaying or neutering may also be required.
• Rabies vaccination for cats and reporting bites. Cats must be vaccinated against rabies. If a dog or cat bites a person, another pet, or livestock, the incident must be reported to an animal control officer or enforcement agent immediately.

Common Pet Risks in Alaska

Alaska’s vast wilderness and extreme climate create unique challenges for pets. From harsh winters to wildlife encounters, understanding these risks is key to keeping pets safe year-round. Here are some common threats for Alaska pet parents to consider:

• Extreme cold and frostbite. Alaska’s long, frigid winters can put pets at risk of frostbite and hypothermia, especially those spending extended time outdoors. Providing insulated shelter, limiting outdoor exposure, and using pet-safe heating options can help protect against cold-related health issues.
• Wildlife encounters. Alaska is home to wildlife like bears, moose, and wolves, which can pose threats to pets if approached. Arctic foxes and bats are common rabies carriers, so keeping pets supervised and up to date on vaccinations is essential.
• Limited access to veterinary care. In remote areas, vet care may be hours away, making it difficult to address emergencies quickly. Pet owners should keep a well-stocked first-aid kit and know basic emergency care techniques while ensuring their insurance covers urgent medical needs.
• Parasites and insect-borne diseases. Warmer months bring increased risks of parasites like ticks and mosquitoes. These pests can transmit diseases like heartworm or Lyme disease, making preventive medications a vital part of pet care.
• Natural disasters. Alaska is prone to natural events like earthquakes and wildfires, which can lead to emergency situations for pets. Having an emergency plan that includes pets, with food, water, and shelter provisions, is important for their safety.

Best Pet Insurance by City in Alaska

As mentioned earlier, where you live can affect the cost of pet insurance. Here's an overview of the most affordable pet insurance providers in three major cities in Alaska:

Methodology

The PetPlace team compiled this guide through research and analysis of publicly available data. Some of the factors we considered include policy rates, waiting periods, the availability of a 24/7 vet helpline, and wellness routine care coverage. Our goal is to provide helpful information for pet owners in Alaska. However, we recommend conducting your own research, speaking with a licensed vet, and considering your budget and your pet's specific needs before deciding on a pet insurance provider.

Best Pet Insurance in Alaska FAQs

Recommended Resources

• 7 Essential Tips for Choosing a Pet Insurance Policy That’s Right for You
• Compare and Contrast Pet Insurance Providers
• How Are Pet Wellness Plans Different from Pet Insurance?
• Is Pet Insurance Worth It for an Indoor Cat?
• Pet Insurance: What It Covers
• Pet Insurance for Kittens