Get the Best Pet Insurance in Indiana in 2024

Sponsored by Figo Pet Insurance

Indiana’s diverse seasons and natural landscapes offer pets plenty of adventure, but with that comes the need for reliable pet insurance. Whether it’s the cold winters or the outdoor risks, having the right coverage gives you peace of mind without stretching your budget too far.

In this guide, we’ll walk you through the pet insurance options in Indiana, including types of coverage, costs, and common health concerns for pets. By the time you’re done reading, you’ll be ready to choose the best pet insurance policy to keep your pet protected and healthy year-round.

Summary: Best Indiana 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 10/23/2024 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 Indiana?

According to our research, Indiana pet health insurance costs an average of $34 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 $56 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 Indiana cities: Indianapolis, a major urban center, and Noblesville, an average-sized city for the state.

It's important to note that your own Indiana 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 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 Indiana

Per our research, the average cost of pet insurance for a medium-sized mixed breed dog in Indiana is $34 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 $56 monthly.

Cost of Pet Insurance in Indiana 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 Indiana:

Cost of Pet Insurance for Cats in Indiana

Pet insurance for cats is significantly cheaper than dog insurance in Indiana. The average monthly cost for cat insurance in the state ranges from $15 to $34, depending on factors such as age, annual coverage, breed, deductible, plan type, and reimbursement amount**.

Cost of Pet Insurance in Indiana 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 Indiana pet insurance, here are the average monthly rates for these breeds:

Cost Comparison for Pet Insurance Companies in Indiana

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 Indiana

Indiana presents a unique mix of challenges for pet parents, from seasonal weather changes to wildlife and disease risks. In warmer months, ticks and mosquitoes can transmit Lyme disease and heartworm, while year-round rabies risks arise from encounters with raccoons, bats, and skunks. Coyotes and other wildlife also pose threats, especially to outdoor pets.

The state's weather brings additional concerns. Cold winters increase the risk of hypothermia and frostbite, while hot summers can cause heatstroke. Indiana is also prone to tornadoes and flooding, which pose immediate risks like storm injuries and health threats from contaminated water.

When selecting pet insurance, choose coverage that includes preventive care, like tick and heartworm treatments, along with protection against wildlife and weather-related emergencies. A comprehensive plan will help keep your pet safe from Indiana’s varied environmental challenges year-round.

Here are some important features to keep in mind when selecting the best pet insurance plan in the Hoosier State:

• 24/7 vet helpline. Access to a 24-hour veterinary helpline for immediate advice on emergency care or general health questions can be incredibly valuable. This is especially important in a state like Indiana, which has unique risks and challenges for pets.
• 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.
• Waiting periods. Consider the waiting periods for accidents and illnesses to ensure you understand when coverage will begin.
• Vet exam fees coverage. While veterinary costs in Indiana are generally lower than in many other states, having coverage for exam fees can lead to substantial long-term savings.
• Multi-pet discount. If you have multiple pets, look for providers that offer discounts for insuring more than one pet.

Indiana Pet Laws

Indiana has specific animal laws in place to protect pets, their owners, and the wider community. As a pet owner in the state, it’s essential to familiarize yourself with these regulations to ensure your pet’s safety and comply with local laws. Here are some key rules to be aware of:

• Rabies vaccination. Indiana law requires that all dogs, cats, and ferrets be vaccinated against rabies. The rabies vaccination must be administered by a licensed veterinarian, and pets must stay up-to-date on their vaccinations to protect public health.
• Dog bite liability. Indiana has strict liability laws regarding dog bites. If a dog bites a person who is on public property or lawfully on private property, the owner can be held liable for injuries, even if the dog has never bitten before.
• Animal cruelty laws. Indiana prohibits acts of neglect or cruelty toward pets. This includes providing proper food, water, shelter, and medical care. Failing to meet these requirements can lead to charges of animal cruelty, which carry legal consequences.
• Abandonment laws. It is illegal to abandon dogs, cats, or other domestic animals in Indiana. "Abandon" means to desert an animal or leave it without making provision for adequate long-term care. This applies to all pets left intentionally in a home or outside without provisions but excludes animals temporarily left behind to protect human life during a disaster.
• Leash laws. While leash laws vary by municipality, many areas in Indiana require dogs to be leashed or under the owner’s control when in public spaces. This helps ensure the safety of the public and other animals.

Indianapolis Pet Laws

Indianapolis is a vibrant city for pet lovers, with many parks and neighborhoods perfect for your furry friends. However, local animal ordinances are in place to ensure pets and their owners stay safe. Here are some important rules to keep in mind:

• Rabies vaccination and licensing. All dogs, cats, and ferrets over three months must be vaccinated against rabies, and proof of vaccination is required for annual licensing. Owners must keep the rabies tag attached to the pet's collar.
• Leash laws. Pets should be kept on a leash or under direct control in public areas to prevent them from wandering or causing harm. The only exception is in designated off-leash areas.
• Tethering restrictions. Dogs cannot be tethered if they are under 6 months old, sick, or injured. Additionally, tethering is not allowed between 11 PM and 6 AM.
• Nuisance animals. Owning an animal that frequently howls, yelps, barks, screeches, or makes other noises causing serious annoyance or disturbance to neighbors is illegal.

Fort Wayne Pet Laws

Fort Wayne, with its numerous parks and trails like Franke Park and Rivergreenway, is a haven for pet lovers. To keep the city pet-friendly, Fort Wayne enforces essential animal care and control laws. Here are a few regulations pet owners should know:

• Rabies vaccination. All dogs, cats, and ferrets three months or older must be vaccinated against rabies by a licensed veterinarian.
• Animals in vehicles. Animals must not be left unattended or transported in unsafe conditions in vehicles, including extreme temperatures, lack of ventilation, or without secure confinement.
• Prohibited training methods. It is illegal to train animals using chemical substances or equipment that can cause physical harm or suffering. Properly fitted and maintained electronic perimeter fences and collars are exempt from this prohibition.
• Pet registration requirement. Owners of dogs or cats over five months old must get current pet registration to comply with local rules and keep public safety in check.

Evansville Pet Laws

Evansville, with its riverside charm and bustling neighborhoods, is a wonderful place for pets and their families. The city offers plenty of green spaces, but it also has specific pet laws to ensure the safety and comfort of everyone. Here are some essential animal regulations to keep in mind:

• Rabies vaccination and licensing. Dogs, cats, and ferrets over six months old must be vaccinated by a licensed veterinarian. Owners must have a license or permit to confirm rabies vaccination for pets over this age, and pets should wear identification tags.
• Leash laws. Dogs must be restrained by a leash no longer than six feet when in public areas. Owners are responsible for keeping their pets under control at all times.
• Confinement conditions. It's illegal to keep an animal in areas that are dirty, overcrowded, or poorly ventilated, as these conditions can significantly threaten the health and safety of both people and animals.
• Reporting of animal bites. The owner of a biting animal must report the incident to the Health Department. The animal will be quarantined for 10 days by Animal Care and Control, with confinement based on vaccination status. The animal must be securely confined, and proof of rabies vaccination must be provided. If unavailable, vaccination will be at the owner's expense before release.

Common Pet Risks in Indiana

Indiana’s diverse climate and wildlife pose several risks for pets, making it essential to select the right pet insurance and preventive care to keep them safe year-round. Here are some of the common threats pet owners in Indiana should be aware of:

• Tick-borne diseases. Indiana’s outdoor spaces, particularly wooded and grassy areas, are home to black-legged ticks that can carry diseases like Lyme disease and anaplasmosis. Pets that spend time outdoors are particularly at risk, so regular tick prevention is vital.
• Mosquito-borne diseases. Heartworm, spread by mosquitoes, is a concern for Indiana pets. Year-round heartworm prevention is essential, especially during the warmer months when mosquitoes are most active.
• Wildlife encounters and rabies. Indiana is home to rabies-carrying wildlife such as raccoons, bats, skunks, foxes, and coyotes. Pets that come into contact with these animals face the risk of rabies and potential injuries, so it's important to keep pets up-to-date on rabies vaccinations and safe from wildlife encounters.
• Harsh weather conditions. Indiana’s cold winters can expose pets to hypothermia and frostbite, while the hot summers increase the risk of heatstroke. Keeping pets sheltered from extreme temperatures is vital for their safety.
• Tornadoes and natural disasters. Indiana is prone to tornadoes, which can cause injuries or displace pets. During tornado warnings, it’s important to secure pets indoors and have an emergency plan in place.
• Flooding and water-borne diseases. Frequent flooding in the state can lead to exposure to contaminated water, increasing the risk of leptospirosis, a bacterial disease transmitted through water and animal urine. Keep pets away from standing water to reduce this risk.

Veterinary Costs in Indiana

According to Banfield Pet Hospital's Price Estimator, the average cost for a vet visit in Indiana is $64. However, costs will be higher for emergency care or specialized treatments. Here's an overview of vet visit costs in five cities across the state:

Best Pet Insurance by City in Indiana

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 Indiana:

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 Indiana. However, we recommend conducting your own research, speaking to your vet, and considering your budget and your pet's specific needs before deciding on a pet insurance provider.

Best Pet Insurance in Indiana 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