Get the Best Pet Insurance in Louisiana in 2025

Sponsored by Figo Pet Insurance

If you're a pet parent in Louisiana, finding the right pet insurance can feel overwhelming. With so many providers, coverage options, and price points, it’s essential to know what matters most in a policy.

This guide is here to make the process easier. We'll break down how pet insurance works, compare Louisiana pet insurance quotes from leading companies, and cover the costs involved. Plus, we’ll highlight specific protections and regulations you should know about in the Pelican State. By the end, you’ll have the tools to choose the best plan to keep your furry family members healthy and protected.

Summary: Best Louisiana 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 12/2/2024 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 Louisiana?

According to our research, Louisiana pet 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 $53 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 Louisiana cities: New Orleans, a major urban center, and Prairieville, an average-sized city for the state.

It's important to note that your own Louisiana 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.

In addition, various other factors 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 Louisiana pet insurance plans carefully and choose a policy that suits your budget and your pet's specific needs.

Cost of Pet Insurance for Dogs in Louisiana

Per our research, the average cost of pet insurance for a three-year-old, medium-sized, mixed-breed dog in Louisiana 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 an annual deductible of $250 and an 80% reimbursement rate, costs $53 monthly.

Cost of Pet Insurance in Louisiana 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 Louisiana:

Cost of Pet Insurance for Cats in Louisiana

Pet insurance for cats is significantly cheaper than it is for dogs in Louisiana. The average monthly cost for cat insurance in Louisiana ranges from $12 to $36, depending on factors such as age, annual coverage, breed, deductible, plan type, and reimbursement amount**.

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

Cost Comparison for Pet Insurance Companies in Louisiana

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 help maintain your pet's health. 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 determine the percentage of a vet bill that will be paid back to you after you've met your deductible. Reimbursement levels offered by pet insurance companies usually range from 70% to 90%. Keep in mind that higher reimbursement rates typically result in higher premiums, so you'll need to find the right balance that works for your budget and pet’s 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 begins. Most pet insurance plans have a waiting period for both accidents and illnesses, which can range from days to 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 an accident or illness that occurs during a waiting period.

How to Find the Best Pet Insurance in Louisiana

Louisiana’s warm climate, frequent storms, and diverse wildlife create unique challenges for pet owners.

Heartworm disease is a major concern due to the high mosquito population, making year-round prevention essential. Leptospirosis, a bacterial infection found in contaminated water, is also common, especially in flood-prone areas. Vaccinations and keeping pets away from stagnant water can help reduce risks.

The state’s wildlife, including raccoons, skunks, and bats, can expose pets to rabies, while fleas and ticks thrive in Louisiana’s humid environment, causing skin issues and transmitting diseases like Lyme disease. Regular parasite prevention is key to keeping pets healthy.

Hurricanes and severe storms add another layer of risk, often leading to injuries, stress, or displacement for pets. Having an emergency plan that includes your pets is vital during hurricane season.

When selecting pet insurance in Louisiana, look for comprehensive coverage that includes preventive care, illness treatments, and emergency services. A good policy will help ensure your pet stays healthy and protected from Louisiana’s unique risks.

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

• 24/7 vet helpline. Access to a round-the-clock veterinary helpline for advice on emergency care or general health questions can be incredibly valuable – especially in a state where natural disasters and wildlife pose potential risks.
• 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. Having coverage for exam fees can result in considerable savings over time.
• Multi-pet discount. If you have multiple pets, look for providers that offer discounts for insuring more than one pet.

Louisiana Pet Laws

Louisiana, known for its vibrant culture from the jazz-filled streets of New Orleans to its scenic bayous, has animal laws in place to protect the welfare of pets and their owners throughout the state. Here are some of the key regulations that pet owners in Louisiana should be aware of:

• Leash laws. In Louisiana, dogs are not allowed to roam freely on open land or trespass on someone else’s property, whether it’s fenced or not.
• Animal cruelty. Louisiana categorizes animal cruelty into simple and aggravated cruelty. Simple cruelty includes acts or failures to act that cause unjustifiable pain or suffering to an animal, such as overdriving, overloading, tormenting, beating, or failing to provide necessary care. Aggravated cruelty involves more severe harm or repeated offenses.
• Dangerous dogs. A "dangerous dog" in Louisiana is defined as one that has shown unprovoked aggressive behavior that could harm humans or other animals on multiple occasions. Owners of such dogs are required to restrain or confine them appropriately to prevent any harm.
• Dog bites. In Louisiana, animal owners are responsible for damage caused by their animals if it's proven they knew or should have known the animal could cause harm and didn’t take reasonable steps to prevent it.
• Veterinary liens. In Louisiana, veterinary liens specifically apply to horses. Providers of feed, medicines, or medical services to horses can secure a lien on the animals treated. This legal claim ensures they hold possession of the horse until the owner settles the payment for these services.

New Orleans Pet Laws

In the heart of Louisiana, New Orleans, famous for its vibrant music scene and historic French Quarter, enforces pet laws to ensure the safety of both animals and residents. Here's a quick overview of important regulations for pet owners in The Big Easy:

• Rabies vaccination. All dogs, cats, and ferrets must receive annual rabies vaccinations starting at four months old.
• Leash laws. Pets must be contained within a secure enclosure or on a leash when outside the owner’s property. Dogs are prohibited from trespassing on public or private property unless permitted by specific ordinances. Community cats with ear tips are released unless injured. Untipped cats are held until spayed or neutered and vaccinated.
• Pet waste disposal. Owners must clean up after their pets on any public or private property, excluding designated off-leash areas where management rules apply, including immediate waste cleanup and disposal.
• Dogs-in-car laws. Leaving animals in unventilated vehicles is illegal, with any distress, injury, or death treated as animal cruelty.

Baton Rouge Pet Laws

Situated along the Mississippi River, Baton Rouge is renowned for its rich culture and historical landmarks such as the Old State Capitol. The city also enforces animal laws to promote responsible pet ownership and public safety. Here are some key regulations:

• Vaccination and licensing. All dogs, cats, and ferrets over three months old must be vaccinated against rabies and registered with the city. Fees are $10 for spayed/neutered and young animals under six months, and $20 for others. Registration requires a rabies vaccination certificate.
• Leash and tether laws. Dogs must be on a leash or securely contained within the owner's property unless in off-leash areas like dog parks. Leashes must be no longer than six feet, and tethers must be at least five times the animal's length from nose to tail base. Cats need to be confined to the owner’s home or yard, or physically held.
• Pet limits. Baton Rouge regulates commercial and private kennels but doesn't set a specific limit for personal pets. A commercial kennel involves breeding, boarding, or training for compensation, while private kennels are residential setups with more than 12 dogs or cats over four months old.
• Barking ordinance. Excessive barking is considered a public nuisance. Residents can report incidents to the Animal Control and Rescue Center, which will issue warnings and, if necessary, summons to repeat offenders.

Shreveport Pet Laws

Nestled along the Red River and home to attractions like the R.W. Norton Art Gallery and vibrant gardens, Shreveport takes pet ownership seriously with animal laws designed to protect both animals and the community. Here’s what Shreveport pet owners need to know:

• Vaccination and licensing. Dogs, cats, and ferrets over three months old must receive a rabies vaccination and be registered with Caddo Parish Animal Services. The initial vaccination must be followed by a booster and subsequent shots every three years. There’s no fee for rabies registration.
• Leash and tether laws. Dogs must be confined within the owner's property unless leashed no longer than six feet. If not in a secure area such as a home, yard, or vehicle, dogs are considered at large. Tethering is allowed if it includes a running line that permits free movement. Cats are not subject to at-large rules.
• Nuisance noise. Owners must address excessive barking within 24 hours of notification by authorities. Immediate correction may be required for ongoing disturbances.
• Pet limits. No more than four dogs may be kept outdoors unless a noncommercial kennel permit is obtained, which requires meeting health and space standards. Indoor dogs are unrestricted unless they cause nuisances, which may lead to enforcement of outdoor limits.

Common Pet Risks in Louisiana

Louisiana’s warm, humid climate and unique environment present several challenges for pets. Here are some common risks to keep in mind:

• Heartworm disease. Louisiana’s high mosquito population makes heartworm a year-round concern for pets. This serious condition can cause severe health problems if untreated. Monthly heartworm prevention is essential to keep your pets safe.
• Leptospirosis. Flood-prone areas and standing water increase the risk of leptospirosis, a bacterial disease that can be fatal to pets. It’s important to keep pets away from stagnant water and consider vaccination to reduce this risk.
• Fleas and ticks. The humid conditions in Louisiana create an ideal environment for fleas and ticks. These pests can cause irritation and transmit diseases like Lyme disease and ehrlichiosis. Regular preventive treatments and frequent checks are vital.
• Hurricanes and flooding. Louisiana’s frequent hurricanes and severe storms can lead to injuries, stress, and even displacement for pets. A disaster preparedness plan that includes your pets is vital, with emergency supplies and a safe place to shelter.
• Wildlife encounter. Louisiana’s wildlife, including raccoons, skunks, and venomous snakes like cottonmouths, can pose risks to pets. These encounters can lead to injuries or disease transmission, so it’s important to supervise outdoor activities.
• Blue-green algae. The state’s warm climate and abundant water sources sometimes lead to harmful algal blooms in ponds and lakes. These blooms produce toxins that are dangerous if ingested by pets. Avoid letting your pets swim in or drink from water with visible algae.

Veterinary Costs in Louisiana

According to Banfield Pet Hospital's Price Estimator, the average cost for a vet visit in Louisiana is $65. 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 Louisiana

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 Louisiana:

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

Best Pet Insurance in Louisiana 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