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5 Best Minnesota Pet Insurance for Dogs & Cats (2024 Reviews)

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Dog and cat owners everywhere can probably agree that their furry companions are members of the family. Owning a pet brings immense joy and love to so many people. However, one aspect of owning a pet that many are often unprepared for is when their pet becomes sick. No animal is immune from falling ill or experiencing an injury, and many illnesses and injuries can lead to unexpected visits to the vet.

Many pet owners do not know that veterinary care can be quite expensive to pay out-of-pocket. For this reason, pet insurance is an invaluable resource to have as a pet owner. My team and I have researched the five best pet insurance carriers in Minnesota to provide guidance and insight into the pet insurance world, as it can be overwhelming for many.

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We sure do love our doggies :)

5 Top Dog & Cat Insurance Companies Compared for Minnesota

  • 1. Wagmo

    (Ranked the best for wellness)

    Why it’s great: Wagmo is a popular pet insurance plan among pet owners. A major selling point of Wagmo is that they reimburse up to 100% of vet fees for the rest of the calendar year after your deductible has been met. In addition, Wagmo also offers a variety of wellness plans that can be added on to a basic insurance plan. Pet owners are also drawn to Wagmo because they distribute reimbursement funds to customers via the method of the customer’s choosing (Paypal, Venmo, etc.). Finally, Wagmo will cover the costs of veterinary care provided by any licensed veterinarian.

    Keep in mind: Wagmo has a lifetime maximum benefit of $100,000.

    Good for: Pet parents who value wellness at an affordable rate.  

    Average price for DOGS in Minnesota: $36.00/month 

    Average price for CATS in Minnesota: $36.00/month


    Learn more at ➜

  • 2. Figo

    (Rated the best for cats)

    Why it’s great: If you own a cat, Figo may be an excellent pet insurance provider for you and your kitty. This is because Figo offers some of the lowest monthly rates for cat insurance. Figo also offers 24/7 veterinary support through their mobile. This is especially handy for situations that arise during non-business hours and you just want to make sure that your furry friend is okay. Finally, Figo does not enforce a lifetime maximum benefit, which means that your pet will never lose coverage.

    Keep in mind: Figo does not cover pre-existing conditions.

    Good for: Pet owners who want free access to 24/7 veterinary support.  

    Average price for DOGS in Minnesota: $32.38/ month 

    Average price for CATS in Minnesota: $16.35/month


    Learn more at ➜

  • 3. Pawp

    (Rated the best for pre-existing conditions)

    Why it’s great: There is so much to love about Pawp. First and foremost, you can insure up to 6 pets, regardless of age, breed or pre-existing conditions, for $24/month. This low monthly fee also includes unlimited 24/7 access to telehealth services with licensed veterinarians for medical concerns that arise during non-business hours. In addition, pets can receive care by any licensed vet, there are no copays, no deductibles, no credit checks, and you can leave the veterinarian’s office with your bill fully paid.

    Keep in mind: Pawp only covers claims for telehealth services that are deemed to be emergencies.

    Good for: Pets with pre-existing conditions and families with multiple pets.  

    Price: $24/month


    Learn more at ➜

  • 4. Embrace

    (Rated the best established brand)

    Why it’s great: Pet owners are drawn to Embrace because they have no maximum lifetime benefit, which means your dog or cat will be eligible for coverage for the rest of their lives once they are enrolled. In addition, Embrace also has “diminishing deductibles,” which means that your annual deductible will decrease by $50 every year that you do not submit a reimbursement claim. Finally, Embrace offers numerous wellness packages, such as massage therapy, spaying/neutering, and acupuncture, that can be added on to your basic insurance plan.

    Keep in mind: Pets only up to age 14 are eligible, which is why we recommend enrolling your pet in an insurance plan when they are young.

    Good for: Pet parents who value wellness at an affordable rate. 

    Average price for DOGS in Minnesota: $34.72/ month 

    Average price for CATS in Minnesota: $26.45/month


    Learn more at ➜

  • 5. Eusoh

    (Best pet health sharing community)

    Why it’s great: Eusho differs from pet insurance carriers in that instead of offering individual pet insurance plans, they offer community health sharing plans. Coverage includes veterinary treatment for accidents, injuries, illnesses, and preventative care of up to (or greater than) 50% of vet bills. Eusho also collaborates with FirstVet, a televet agency that provides virtual veterinary visits.

    Keep in mind: Eusoh is not a pet insurance company. Also, it is important to keep in mind that their maximum annual reimbursement is $8,500 and their top reimbursement rate is 80%.

    Good for: Those interested in peer-to-peer community coverage. 

    Average price for DOGS in Minnesota: $62.58/month 

    Average price for CATS in Minnesota: $40.94/month


    Learn more at ➜

Best Overall


Wagmo is our overall top recommendation. It’s the most comprehensive pet insurance provider in Minnesota and they also offer the best value.

Average price for DOGS in Minnesota: $36.00/month 

Average price for CATS in Minnesota: $36.00/month


Learn more at ➜

FAQs about Pet Insurance in Minnesota

  • 1. What does pet insurance typically cover for dogs and cats?

    While coverage varies based on insurance carrier, you can typically expect your pet insurance plan to cover any injuries and sudden illnesses. This entails the cost of treatment itself, medical imaging, prescriptions, and surgery.

  • 2. How much does pet insurance cost in Minnesota?

    Unfortunately, studies have found that the average veterinary bill in Minnesota is slightly higher than in other states. For example, veterinary treatment for dogs in Minnesota is 9.70% higher compared to the national average. However, veterinary treatment for cats is 8.21% lower in Minnesota compared to the national average. As depicted by these statistics, the cost of veterinary care and the monthly cost of pet insurance will widely vary.

    Pet insurance in Minnesota costs anywhere from $14.79 to $44.65 per month for dogs (based on prices for a healthy 2-year-old located in the 55401 zip code). And anywhere from $13.83 to $17.24 per month for cats (based on prices for a healthy 2-year-old located in the 55401 zip code). Prices can vary greatly depending on your zip code, the breed of your pet, its age, and medical history.

    We recommend getting a quote from Wagmo who we’ve seen consistently offer the lowest prices and best coverage out of any other provider.

  • 3. Can I cancel my dog or cat insurance plan after I make a claim?

    Yes, most pet insurance plans will allow you to cancel your plan at any time, even if you have already made a claim.

  • 4. Do Minnesota pet insurance companies cover spaying and neutering?

    Most pet insurance plans will not cover the costs of getting your dog or cat spayed or neutered. However, some carriers offer additional coverage packages that may cover these services, such as Embrace .

  • 5. Does the cost of insurance increase as my pet ages?

    Yes, unfortunately the cost of insurance will increase as your pet gets older due to the increased risk of illness.

  • 6. Which companies cover pre-existing conditions?

    While it is rare to find a pet insurance carrier that will cover pre-existing conditions, they do exist. For example, as mentioned previously, Pawp is the best overall when it comes to covering pre-existing conditions. Also, Embrace may cover pre-existing conditions if they are curable.

  • 7. Is pet insurance worth it in Minnesota?

    Based on the research, pet insurance is worth the investment in Minnesota. According to CNBC, 1 out of 3 pets will need emergency veterinary care every year. If hospitalization is required, the cost of treatment can range from $600 to $1700 out-of-pocket. If emergency surgery is required, this can cost up to $5,000. That being said, without pet insurance, getting your pet the care that they need can be devastating to your bank account.


Finding the pet insurance carrier and right plan for you and your furry friend can be stressful and overwhelming, as there are so many to choose from. We hope that this article helped introduce some of the most popular carriers and answer some of the questions you might have. Pet insurance is one of the best ways to ensure that your pet can always access the best veterinary treatment that they need.

In our experience, after careful review, we’ve consistently seen Wagmo has the best combination of coverage and price.

Note: Our prices listed above are accurate in January 2022 and may change at any time. Please get a quote for your pet on one of the recommended websites for the most accurate monthly costs. These prices are based on a Labrador Retriever dog and American Shorthair cat located in the 55401 zip code. We chose a $500 deductible and 90% reimbursement amount for each policy we reviewed (except for Pawp). The annual benefit amount we selected for each provider is as follows:

  • Wagmo = $20,000
  • Figo = $5,000
  • Pawp = $3,000
  • Embrace = $5,000
  • Eusoh = $8,500