Get the Best Pet Insurance in North Dakota in 2025

Sponsored by Figo Pet Insurance

Pet parents in North Dakota have countless ways to enjoy the great outdoors with their furry companions. Whether you’re hiking in Theodore Roosevelt National Park or strolling through local trails and parks, there’s no shortage of adventures. But outdoor fun can come with unexpected risks. That’s where pet insurance comes in – it helps cover surprise vet bills and gives you peace of mind while exploring with your pet.

This guide breaks down pet insurance options for North Dakota residents, including coverage types, costs, and important features to keep in mind. By the end, you'll be ready to choose a plan that fits your needs and protects your pet in the Peace Garden State.

Summary: North Dakota 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 3/13/2025 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 North Dakota?

According to our research, North Dakota pet insurance costs an average of $31 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 $47 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 North Dakota cities: Fargo, a major urban center, and Devils Lake, an average-sized city for the state.

It's important to note that your own North Dakota 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 North Dakota

Per our research, the average cost of pet insurance for a medium-sized mixed breed dog in North Dakota is $31 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 $47 monthly.

Cost of Pet Insurance in North Dakota 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 North Dakota:

Cost of Pet Insurance for Cats in North Dakota

Pet insurance for cats is significantly cheaper than dog insurance in North Dakota. The average monthly cost for cat insurance in the state ranges from $17 to $25, depending on factors such as age, annual coverage, breed, deductible, plan type, and reimbursement amount**.

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

Cost Comparison for Pet Insurance Companies in North Dakota

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 North Dakota

North Dakota's diverse landscapes and climate create unique challenges for pet owners, making it essential to plan ahead. Choosing the right pet insurance can provide peace of mind and protect your furry companions from these potential risks.

The state's changing weather, from cold winters to hot summers, can impact your pet's health. Make sure your pet has proper shelter and care during extreme conditions.

Wildlife encounters are another consideration, as North Dakota is home to animals like bison, mountain lions, and prairie rattlesnakes. These encounters can lead to injuries, making emergency care coverage a valuable feature in a pet insurance plan.

While North Dakota has relatively low rates of certain pet illnesses, it's still important to consider coverage for common health issues. Regular veterinary check-ups and preventive care are essential to maintain your pet's health.

When choosing pet insurance in North Dakota, look for comprehensive coverage that includes preventive care, emergency treatments, and region-specific risks. This approach ensures your pet is protected against the state's diverse challenges year-round.

Here are some essential features to consider when selecting the best pet insurance plan in the Peace Garden 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.
• 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. Veterinary fees in North Dakota are generally lower than in many other states, but costs can still add up quickly. That's why having coverage for exam fees is a smart idea, as it can lead to significant long-term savings.
• Multi-pet discount. If you have multiple pets, look for providers that offer discounts for insuring more than one pet.

North Dakota Pet Laws

North Dakota has a range of pet laws to promote responsible ownership and animal welfare. From assistance animals to rules about pet trusts, understanding these laws can help keep pets safe and owners informed. Here’s what North Dakota pet owners need to know to stay on the right side of the rules:

• Assistance animals and guide dogs. North Dakota law outlines the rights and responsibilities related to assistance animals, ensuring they receive proper access and care.
• Animal cruelty laws. The state prohibits animal fighting and cruel treatment of animals, with protections in place to safeguard cats and dogs from neglect or harm.
• Exemplary damages for injury. If a domestic animal, like a cat or dog, is willfully injured or harmed through gross negligence, North Dakota law allows owners to seek additional damages beyond the animal's value.
• Dog regulations. Municipalities can enforce local dog laws related to rabies control, nuisance issues, and dogs that harass wildlife or livestock.
• Pet trusts. North Dakota allows pet owners to establish trusts for their pets' care. These trusts last for the lifetime of the animal and ensure continued care if the owner passes away.

Fargo Pet Laws

Fargo is known for its vibrant arts scene and iconic Red River Valley, but pet owners also need to navigate the city's animal ordinances. Whether you're strolling with your dog downtown or letting your cat lounge at home, here’s what pet parents should keep in mind:

• License and registration. All dogs and cats over four months old must be licensed annually. Owners need to provide details like breed, color, sex, and proof of rabies vaccination when applying for a license.
• Restraint and waste removal. Pets must be on a leash no longer than six feet when off the owner's property or secured inside a vehicle. Owners are also responsible for cleaning up pet waste from public or private property that isn’t their own.
• Collar and identification. Licensed dogs and cats must wear a collar with their city license tag and rabies tag attached at all times. Tags change shape each year and display the license year and a unique number.
• Dangerous dogs. Fargo has procedures for identifying and managing dangerous dogs. Owners of designated dogs must follow strict rules, including microchipping, registering with the city, paying annual fees, and ensuring proper confinement. Liability insurance may also be required.

Bismarck Pet Laws

Bismarck, known for its scenic riverfront and historic landmarks, also has clear animal laws to keep pets and the community safe. Here’s what pet parents living in this North Dakota city need to know:

• Licensing and vaccination. All dogs and cats over six months old must be licensed and have a current rabies vaccination. The license is valid for the duration of the vaccination and requires a certificate from a licensed veterinarian.
• Leash and waste rules. Pets must be leashed with a chain, leash or cord no longer than six feet when off the owner's property unless in a designated off-leash park. Owners are also responsible for cleaning up and disposing of pet waste from any public or private property.
• Nuisance animals. A dog or cat may be declared a public nuisance for repeated behaviors like running at large, excessive noise, biting, or damaging property. The municipal judge can issue orders to resolve these issues, including confinement or surrender of the animal.
• Pet limits. Households are generally limited to a combination of three cats or dogs. Exceptions may apply for special licenses, temporary animal transport, or the sale or gifting of young animals within specific timeframes.

Grand Forks Pet Laws

In Grand Forks, where riverfront parks meet college-town energy, keeping pets safe and well-behaved is part of being a good neighbor. Here are a few important rules and regulations for pet owners to remember:

• Licensing and tags. All dogs and cats over six months old must be licensed through the city’s finance department. Proof of a current rabies vaccination is required, and pets must wear the issued tag on their collar at all times.
• Leash and control rules. Pets must be under immediate control when off the owner’s property, either by leash or physical restraint. The exception is for dogs in designated leash-free parks or law enforcement dogs on duty.
• Animals at large. Dogs and cats found off-leash and outside their owner’s property are considered at large and may be impounded as a public nuisance.
• Waste cleanup. Pet owners must clean up after their pets immediately on public streets, sidewalks, parks, or private property that isn’t their own.

Common Pet Risks in North Dakota

The varied terrain and climate of North Dakota create distinct challenges for pet owners. Recognizing these hazards is key to protecting the wellbeing and safety of your furry family members. Here are some common issues to keep in mind:

• Extreme weather conditions. North Dakota experiences severe winters with heavy snowfall and frigid temperatures, which can lead to frostbite and hypothermia in pets. Conversely, the state also faces hot summers that can cause heatstroke and dehydration. It's vital to provide appropriate shelter and limit outdoor exposure during extreme weather to keep your pets safe.
• Wildlife encounters. The state's rural areas are home to various wildlife, including bison, mountain lions, coyotes, and prairie rattlesnakes. These animals can pose threats to pets, either through direct attacks or by transmitting diseases such as rabies. Supervising pets during outdoor activities and ensuring their vaccinations are up-to-date can help mitigate these risks.
• Leptospirosis. This bacterial disease can affect both pets and humans and is often transmitted through contact with contaminated water, soil, or infected wildlife. Symptoms in pets include fever, vomiting, and kidney or liver issues. Preventive measures include vaccination and limiting exposure to potentially contaminated environments.
• Tick-borne diseases. While North Dakota has relatively low rates of certain tick-borne illnesses, the presence of ticks can still pose a risk to pets, potentially leading to diseases such as Lyme disease. Regular use of tick prevention products and thorough checks after outdoor activities are essential to keep your pets healthy.
• Respiratory illnesses. Pets in North Dakota may be susceptible to respiratory infections, especially during colder months when they spend more time indoors. Ensuring proper ventilation, avoiding exposure to sick animals, and maintaining regular veterinary check-ups can help prevent these illnesses.

Best Pet Insurance by City in North Dakota

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 North Dakota:

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 North Dakota. 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 North Dakota 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?
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• Pet Insurance: What It Covers
• Pet Insurance for Kittens