Get the Best Pet Insurance in Wyoming in 2025

Sponsored by Figo Pet Insurance

Living in Wyoming, you know the state’s rugged beauty comes with plenty of opportunities for outdoor adventures. But life in the Cowboy State can also bring unique challenges for your pets, from unpredictable weather to encounters with wildlife. That’s why having a dependable pet insurance plan is so important – it helps cover unexpected vet bills and gives you peace of mind.

This guide will walk you through pet insurance options in Wyoming, including the types of coverage available, average costs, and tips for picking the right plan for your pet. By the end, you’ll be ready to protect your furry family members so they can enjoy Wyoming’s wide-open spaces safely.

Summary: Wyoming 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 3/27/2025 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 Wyoming?

According to our research, Wyoming pet insurance costs an average of $32 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 $50 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 Wyoming cities: Cheyenne, a major urban center, and Evanston, an average-sized city for the state.

It's important to note that your own Wyoming 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 Wyoming

The average cost of pet insurance for a medium-sized mixed breed dog in Wyoming is $32 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 $50 monthly.

Cost of Pet Insurance in Wyoming 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 Wyoming:

Cost of Pet Insurance for Cats in Wyoming

Pet insurance for cats is significantly cheaper than dog insurance in Wyoming. The average monthly cost for cat insurance in the state ranges from $13 to $36, depending on factors such as age, annual coverage, breed, deductible, plan type, and reimbursement amount**.

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

Cost Comparison for Pet Insurance Companies in Wyoming

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 Wyoming

Wyoming’s vast landscapes and extreme weather bring unique risks for pets, making the right insurance essential.

Bitterly cold winters can lead to frostbite and hypothermia, while hot, dry summers increase the risk of dehydration and heat exhaustion. Proper shelter and hydration help keep pets safe in these conditions.

Wildlife like coyotes, mountain lions, and rattlesnakes pose threats to outdoor pets, with encounters leading to injuries or disease exposure. Supervision and secure fencing can help minimize these risks.

Ticks are another concern, especially in wooded and grassy areas, as they can transmit Rocky Mountain spotted fever. Year-round tick prevention is key.

Wyoming’s lakes and rivers may experience harmful algal blooms, which can be toxic if ingested. Keeping pets away from affected water helps prevent illness.

When selecting pet insurance, look for coverage that includes preventive care, emergencies, and local environmental risks to keep your pet protected year-round.

Here are some important features to keep in mind when selecting the best pet insurance plan in the Cowboy 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 particularly important in a state like Wyoming, where pets encounter unique risks and challenges.
• 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 significant long-term savings.
• Multi-pet discount. If you have multiple pets, look for providers that offer discounts for insuring more than one pet.

Wyoming Pet Laws

From the vast open plains to the rugged mountain towns, Wyoming has animal laws in place to protect pets, livestock, and public safety. Here are some key regulations that pet owners should know:

• Animal cruelty. Wyoming law prohibits mistreatment of animals, including overloading, beating, or carrying them in a way that could cause harm. Owners must provide necessary care, and abandoning an animal or failing to treat an obvious serious injury or illness is illegal.
• Dangerous dogs and livestock protection. If a dog is known to have killed sheep or other livestock, its owner is required to have it euthanized. Dog owners are also liable for any damages their pet causes to livestock, whether through injury, chasing, or killing.
• Pets in domestic violence protection orders. Courts can grant sole possession of a household pet to a domestic violence victim and prohibit the abuser from removing, harming, or contacting the pet.
• Abandoned animals. If a pet is left at a veterinary clinic for treatment, boarding, or other care and remains unclaimed for more than ten days after written notice to the owner, it is considered abandoned. The animal may be transferred to a local humane society or shelter.
• Running at large. County commissioners can declare free-roaming dogs a public nuisance in unincorporated areas. If ownership cannot be determined, these animals may be euthanized. A dog that attacks a person or kills livestock may be impounded or legally put down by a peace officer or the livestock owner.

Cheyenne Pet Laws

Cheyenne, home to the iconic Frontier Days and sweeping prairie views, has specific animal laws to protect pets, people, and the community. Whether you’re out walking your dog near Lions Park or caring for a cat at home, here’s what to know to stay on the right side of local laws:

• Rabies vaccination and tags. All pets four months and older must be vaccinated against rabies. A rabies tag issued by a vet serves as proof and must be worn on a collar, harness, or tether. Tags must be renewed annually.
• Running at large and restraint. Dogs and pet cats must always be restrained unless on the owner's property. This includes using a tether (up to 25 feet), a fence, or a secure enclosure. Community cats (ear-tipped, altered, and vaccinated) are exempt. Penalties increase with each violation.
• Limits on number of pets. You can have up to four dogs and four cats in one home. More than that is considered a kennel and requires compliance with zoning laws. An exception applies for young litters under four months old.
• Dangerous animals. Any pet that poses a physical threat or has attacked someone unprovoked is considered dangerous. These animals must be secured and muzzled, and may be banned or euthanized if found in violation.

Casper Pet Laws

With its wide-open skies, mountain views, and proximity to outdoor gems like Casper Mountain and Rotary Park, Casper is a great place to raise a pet. But whether you're strolling downtown or adventuring in the foothills, it's important to know the city’s rules around pet ownership:

• Licensing and rabies vaccination. All dogs and cats over six months old must be licensed and vaccinated against rabies. A valid license tag must be worn any time the pet is off the owner’s property.
• Animals at large. Pets must be on a leash or in a carrier when off your property. Even on your property, animals must be supervised or confined to prevent escape. Designated off-leash areas are an exception for well-behaved dogs.
• Aggressive and vicious pets. Animals with a history of attacks or threatening behavior must be restrained, muzzled, or securely caged when off their property. These pets must also be microchipped, and may need to be spayed or neutered depending on the situation.
• Pet limits. Households in Casper are limited to three cats and three dogs. More than that requires the property to be zoned for a kennel or cattery.

Gillette Pet Laws

From the annual Donkey Creek Festival to the sprawling greenery of McManamen Park, Gillette offers plenty for locals – and their pets – to enjoy. But to keep tails wagging and neighbors happy, there are a few local animal laws you’ll want to follow:

• Licensing and vaccination. All dogs and cats over three months old must be licensed and vaccinated against rabies. Licenses must be renewed annually, and fees vary based on whether the pet is spayed or neutered.
• Animals at large. Pets must be on a leash and stay on designated paths when visiting McManamen Park or Mount Pisgah Cemetery. If not, they’re considered “at large” and could be impounded or result in a fine.
• Vicious animals. It’s illegal to keep an aggressive or biting animal unless it’s securely muzzled and contained. If your pet attacks someone legally on your property, it may be declared vicious – and subject to court-ordered relocation, microchipping, sterilization, or euthanasia.
• Pet limits. Owning more than three dogs or cats requires a kennel or cattery license. These facilities must meet zoning requirements and are subject to inspection, even for non-commercial setups.

Common Pet Risks in Wyoming

Wyoming’s rugged terrain, extreme weather, and diverse wildlife create challenges for pet owners. Being aware of these risks can help keep pets safe and healthy year-round.

• Harsh weather conditions. Wyoming’s winters can be brutally cold, with frequent snowfall and temperatures dropping well below freezing. Pets left outside too long are at risk of frostbite and hypothermia. Summers, while dry, bring the danger of heat exhaustion, especially for pets without access to shade and fresh water. Keeping pets indoors during extreme temperatures and providing proper hydration and shelter is essential.
• Wildlife encounters. Wyoming is home to a variety of wildlife, including coyotes, mountain lions, and rattlesnakes. Encounters with these animals can lead to serious injuries or disease transmission. Keeping pets on a leash and supervising them during outdoor activities can help reduce these risks.
• Tick-borne diseases. Ticks are common in Wyoming’s grassy and wooded areas, carrying diseases like Rocky Mountain spotted fever. Regular tick prevention and routine checks after time outdoors help protect pets from infections.
• Water hazards. Wyoming’s lakes and rivers offer recreation but come with risks. Harmful algal blooms (HABs) can make some bodies of water toxic to pets if ingested, while strong currents pose drowning risks. Always check water conditions before allowing pets to swim and keep them away from stagnant or algae-covered water.
• Severe storms. Wyoming experiences strong thunderstorms, high winds, and occasional tornadoes, which can frighten pets or cause injuries. Having an emergency plan and a safe indoor space for pets during storms helps keep them secure.

Best Pet Insurance by City in Wyoming

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 Wyoming:

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 Wyoming. 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 Wyoming 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