Get the Best Pet Insurance in Wisconsin in 2024

Sponsored by Figo Pet Insurance

Finding the right pet insurance in Wisconsin can be tricky with so many options out there. It’s important to understand the different policies available to make sure you pick the best one for your pet’s health and your budget.

In this article, we’ll help you sort through pet insurance plans in the Badger State. We’ll break down the costs, compare the best policies, and go over the rules and protections specific to Wisconsin. By the end of this guide, you’ll have a clear picture of what to look for in pet insurance to keep your pet healthy and safe.

Summary: Best Wisconsin 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 9/12/2024 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 Wisconsin?

According to our research, Wisconsin 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 $55 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 Wisconsin cities: Milwaukee, a major urban center, and Menomonie, an average-sized city for the state.

It's important to note that your own Wisconsin 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 you choose to add on any optional coverage. That's why it's vital to compare Wisconsin 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 Wisconsin

According to our research, the average cost of pet insurance for a medium-sized mixed breed dog in Wisconsin 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 $55 monthly.

Cost of Pet Insurance in Wisconsin 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 Wisconsin:

Cost of Pet Insurance for Cats in Wisconsin

Pet insurance for cats is significantly cheaper than dog insurance in Wisconsin. The average monthly cost for cat insurance in the state ranges from $14 to $35, depending on factors such as age, annual coverage, breed, deductible, plan type, and reimbursement amount**.

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

Cost Comparison for Pet Insurance Companies in Wisconsin

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

Typically, this type of policy 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, often covering injuries from accidents like cuts, broken bones, and sprains. This can include 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 Wisconsin

When selecting pet insurance in Wisconsin, it's important to consider the state’s unique environmental challenges that could impact your pet’s health.

Wisconsin’s varied terrain, stretching from lake-rich areas to chilly northern regions, exposes pets to a variety of risks. These include blastomycosis, a fungal infection often found near water, as well as hypothermia and frostbite from extreme cold weather.

Additionally, the risk of Lyme disease from ticks and exposure to harmful toxins from algal blooms in waterways are major concerns. Encounters with wildlife could also result in injuries or spread diseases.

Given these varied risks, it's vital to choose a pet insurance policy that offers the most comprehensive coverage. A good plan should protect against infections, diseases, weather-related issues, wildlife injuries, allergies, skin conditions, and include preventive care.

Selecting a plan that covers various conditions may ensure peace of mind and financial security, helping you manage your pet’s health needs in Wisconsin’s diverse environment.

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

• 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, especially in a state like Wisconsin, where diverse wildlife and varying climates can 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 may 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. Although veterinary costs in Wisconsin are lower than some other states, having coverage for exam fees can still lead to significant savings over time.
• Multi-pet discount. If you have multiple pets, look for providers that offer discounts for insuring more than one pet.

Wisconsin Pet Laws

The Badger State takes pet ownership seriously, with various laws to protect animals and ensure public safety. Wisconsin's pet regulations reflect the state's commitment to responsible pet ownership and animal welfare. Here's what pet owners in the state need to know:

• Pet vaccination and licensing. Wisconsin state law requires all dogs over 5 months old to be vaccinated against rabies and licensed. While state law doesn't mandate cat vaccination or licensing, some municipalities, like Madison, require both for cats over 5 months old. These requirements help prevent the spread of rabies and assist in returning lost pets to their owners. Owners must provide proof of current rabies vaccination to obtain a license for either dogs or cats where required.
• Running at large. Wisconsin does not have a statewide leash law, but it does have a law regarding dogs running at large. A dog is running at large if it is off the premises of its owner and not under the control of the owner or some other person. Dogs found running at large are subject to impoundment.
• Animal cruelty laws. Wisconsin has strict laws against animal mistreatment. The state prohibits treating any animal in a cruel manner, which includes causing unnecessary and excessive pain or suffering. Violations can result in misdemeanor or felony charges, depending on the severity.
• Dangerous dog regulations. Wisconsin law addresses dangerous dogs, though specific definitions may vary by locality. Generally, a dangerous dog is one that has bitten, attacked, or inflicted injury on a person or companion animal. Owners of dangerous dogs may face additional requirements or restrictions.
• Pet waste management. Many Wisconsin communities have implemented laws requiring pet owners to clean up after their animals in public spaces. Failing to do so can result in fines, emphasizing the importance of responsible pet ownership in maintaining public cleanliness.

Milwaukee Pet Laws

Milwaukee, a vibrant city on Lake Michigan's western shore, has established comprehensive pet laws. These reflect Milwaukee's commitment to a harmonious environment for pets and residents. Here are some important pet laws to remember in Cream City:

• Licensing and vaccination requirements. All dogs and cats over five months old must be licensed annually in Milwaukee. To obtain a license, pet owners must provide proof of current rabies vaccination. Licenses can be obtained from the Milwaukee Area Domestic Animal Control Commission (MADACC).
• Leash laws. In Milwaukee, dogs must be leashed in public spaces. The leash must be attached to a collar or harness and under the control of a responsible person capable of physically restraining the dog. This law helps prevent incidents and ensures the safety of both pets and the public. Dogs are not allowed to run at large, which means being off the owner's premises and not under the control of the owner or another person.
• Barking dogs. It's illegal to keep animals that regularly disturb the peace in Milwaukee. Anyone disturbed by a barking dog must make a signed written report to the Department of Neighborhood Services. They must also be willing to testify in court if the owner ignores an order to stop the noise.
• Pet waste. Milwaukee requires pet owners to clean up after their animals in public spaces. Owners must carry a shovel, scoop, bag, or other item for removing waste when in public with their pet. Failure to clean up after your pet can result in fines.

Madison Pet Laws

Madison is a bustling city where urban charm meets natural beauty. Situated between Lakes Mendota and Monona, Wisconsin's capital city has pet laws that demonstrate its commitment to animal welfare and responsible pet ownership. Here are some important laws to remember when living in Madison:

• Licensing requirements. In Madison, all dogs and cats over five months old must be licensed annually. To obtain a license, pet owners must provide proof of current rabies vaccination. Licenses can be purchased online, by mail, or in person at the City Treasurer's Office.
• Leash laws. Madison and Dane County ordinances require that dogs and cats must be leashed whenever not on the pet owner's property. This law helps prevent accidents and unwanted interactions. The exception is off-leash areas in certain designated parks. Violation of the leash law can result in fines.
• Running at large. In Madison, it is illegal for dogs to run at large. A dog is running at large if it is off the owner's premises and not under the control of the owner or another person. The only exception is for dogs actively engaged in legal hunting activities under supervision. Owners who allow their dogs to run at large may face fines, with penalties increasing for subsequent offenses.
• Pet waste management. Madison requires pet owners to clean up after their animals in public spaces. Owners must carry equipment sufficient to clean up their dog's feces when off their property and immediately remove and properly dispose of the waste. Failure to do so can result in fines of up to $100.

Green Bay Pet Laws

Green Bay, where city life blends with the stunning landscapes of Lake Michigan, has established a set of pet laws that balance animal welfare with community safety. Here are some key pet laws specific to Green Bay:

• Licensing requirements. In Green Bay, all cats and dogs over five months old must be licensed yearly. To obtain a license, pet owners must provide proof of current rabies vaccination. Licenses can be purchased at the City Treasurer's Office or through various veterinary clinics in the city.
• Number of pets allowed. Green Bay has specific limits on the number of pets allowed per household. According to Ordinance 8.08(3), no family shall own, harbor, or keep in its possession more than two dogs on any residentially-zoned lot without prior approval from the City Council. For cats, Ordinance 8.09(3) limits the number to three cats per residential lot.
• Animal control officer. Green Bay employs an Animal Control Officer who is responsible for monitoring the welfare of domestic and wild animals and ensuring the safety of citizens from animal-related issues. This officer has the authority to issue citations for violations of city ordinances and state statutes when mediation attempts fail.
• Leash laws. While Green Bay doesn't have a specific leash length restriction, dogs must be under control when off the owner's property. The city voted against an ordinance that would have restricted dog leashes to six feet in length, opting instead for better public education about responsible dog walking.

Common Pet Risks in Wisconsin

Wisconsin's diverse environment, from its numerous lakes to its dense forests and urban areas, presents unique challenges for pet owners across the state. Here are some specific risks Wisconsin pet owners should be aware of:

• Blastomycosis. This fungal infection is a concern in Wisconsin, particularly in areas near water bodies. Blastomycosis is caused by a fungus found in moist soil and decomposing matter. Dogs are especially susceptible, and the disease can be life-threatening if not treated promptly. Symptoms may include coughing, fever, and skin lesions.
• Cold weather risks. Wisconsin's harsh winters pose serious threats to pets, including hypothermia and frostbite. Short-haired breeds, puppies, and elderly dogs are particularly vulnerable. It's vital to limit outdoor exposure during extreme cold and provide adequate shelter and warmth.
• Heat-related illnesses. While Wisconsin is known for its cold winters, summer heat can also be dangerous for pets. Heat stroke is a risk, particularly for brachycephalic breeds or overweight pets. Providing shade, fresh water, and limiting outdoor activities during peak heat hours is crucial.
• Lyme disease. Wisconsin's wooded areas create an ideal environment for ticks, making Lyme disease a major concern for pets. The state consistently ranks high in Lyme disease cases. Regular tick checks and preventive measures are essential year-round.
• Harmful algal blooms. Wisconsin's numerous lakes and waterways can experience harmful algal blooms, especially during warmer months. These blooms can produce toxins that are dangerous or even fatal to pets if ingested. Pet owners should be cautious about letting their animals swim in or drink from bodies of water with visible algal growth.
• Wildlife encounters. Wisconsin's diverse wildlife, including deer, raccoons, and in some areas, larger predators, can pose risks to pets. These encounters may result in injuries or disease transmission. It's important to supervise pets, especially in rural or wooded areas.

Veterinary Costs in Wisconsin

According to Banfield Pet Hospital's Price Estimator, the average cost for a vet visit in Wisconsin is $71. 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 Wisconsin

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 Wisconsin:

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 Wisconsin. 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 Wisconsin FAQs

Recommended Resources

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• Pet Insurance: What It Covers
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