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

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For most of us, our furry four-legged companions are bona fide family members. Just as we care for the humans in our life, we look after our pets. You’ve come here to learn more about pet insurance and how you can provide for these dogs and cats who add so much enjoyment to our lives. As a pet owner you know that accidents and illnesses will occur during your pet’s lifetime, and these emergencies can be stressful and costly. You’ll be happy to know it doesn’t have to be that way – pet insurance can provide a financial buffer – and we’re going to look at the 5 best pet insurance companies for Nebraska residents.

Two dogs playing in a field
Doggie wrestling ;)

5 Top Dog & Cat Insurance Companies Compared for Nebraska

  • 1. Lemonade

    (Best overall)

    Why it’s great: If you’re looking for affordable rates, comprehensive coverage for sickness and injuries, and great add-ons for routine care, Lemonade ranks best overall. Many companies require a 14 day accident waiting period but theirs is only 2 days. Their world class mobile app allows you to quickly submit claims through their simple user-friendly filing system. Homeowner’s or renter’s insurance policyholders with Lemonade can also bundle a new pet plan for added discounts.

    Keep in mind: You may need to submit documentation of your pet’s medical history prior to starting a new policy if the pet is older or has pre-existing conditions.

    Good for: Most cats and dogs, particularly geared to those that are young and healthy. 

    Average price for DOGS in Nebraska: $22.67/month 

    Average price for CATS in Nebraska: $11.00/month


    Learn more at ➜

  • 2. Wagmo

    (Best for wellness)

    Why it’s great: Once you meet your annual deductible with Wagmo, they will reimburse up to 100% of vet fees for the rest of the year, which should make Nebraska pet parents very happy. Claims are reimbursed quickly through direct deposit, PayPal or Venmo. Wagmo also has a wide variety of wellness plans that can be added to a basic policy. If you have no claims from the previous year, they’ll discount your plan renewal, and they offer multi-pet discounts as well. Wagmo allows you to use any licensed veterinarian, including the one your pet already likes, so you don’t need to start over.

    Keep in mind: Wagmo’s coverage will end if you reach the lifetime maximum payout limit, which is $100,000, during your pet’s life.

    Good for: Pet parents who are looking for great health coverage with added options for routine care. 

    Average price for DOGS in Nebraska: $39.27/month 

    Average price for CATS in Nebraska: $23.96/month


    Learn more at ➜

  • 3. Figo

    (Best for cats)

    Why it’s great: Cat owners will like that Figo has some of the lowest premiums out there for cat insurance. They also understand that not all emergencies occur during “normal business hours” so they offer live, 24/7 veterinary support through their mobile app. Figo has some great wellness packages that can be added to a baseline plan, and one of those will even cover up to $250 of veterinarian-prescribed pet food. All of their plans have unlimited benefits so you won’t need to worry about hitting a payout limit during the life of your pet.

    Keep in mind: Figo does not offer coverage on medical conditions that are considered pre-existing for your pet.

    Good for: Pet owners who like the idea of consistent vet support day or night through the app. 

    Average price for DOGS in Nebraska: $25.36/month 

    Average price for CATS in Nebraska: $12.79/month


    Learn more at ➜

  • 4. Pawp

    (Best for pre-existing conditions)

    Why it’s great: Pawp’s coverage for up to 6 of your pets regardless of age, breed or pre-existing conditions is unique in that it operates as an emergency fund rather than insurance plan. The fund also includes unlimited 24/7 access to telehealth services with either a licensed vet or pet expert. You still get to choose any licensed veterinarian, and the bill will be fully paid with no copays, deductibles or credit checks.

    Keep in mind: This is where the fund differs from other policies because the claims must be pre-approved by a virtual vet to determine it is an emergency. The emergency fund will only cover one pet for a single vet visit up to $3,000 per year.

    Good for: The emergency fund would make a great add-on to a typical insurance policy. It could also really benefit older pets and those with pre-existing conditions. 

    Price: $24/month 


    Learn more at ➜

  • 5. Embrace

    (Best established brand)

    Why it’s great: Your cat or dog will be covered well into their senior years with Embrace since they do not have a maximum payout limit. Having multiple pets on a policy will get you a discount and they are able to reward healthy pets and their owners with “diminishing deductibles.” For every year that you do not have an insurance claim reimbursement, your annual deductible drops by $50. Pet parents who know they will need spaying/neutering can purchase an optional care plan that covers the procedure. Embrace also has wellness plans that spotlight alternative veterinary medicine such as acupuncture, massage therapy, reiki and chiropractic visits.

    Keep in mind: Only pets up to 14 years of age are eligible. The maximum combined claims for the wellness add-on is $650/year, which adds up to $25 in savings on average. However, there are no refunds on wellness plans if the funds are not all used and they do not roll over to another year.

    Good for: Pet parents interested in trying out new age, alternative therapies. 

    Average price for DOGS in Nebraska: $36.68/month 

    Average price for CATS in Nebraska: $21.42/month


    Learn more at ➜

Best Overall


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

Average price for DOGS in Nebraska: $22.67/month 

Average price for CATS in Nebraska: $11.00/month


Learn more at ➜

FAQs about Pet Insurance in Nebraska

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

    Pet insurance coverage varies by company and plan but many of them cover similar things as it relates to new accidents and illnesses. Benefits may include surgery or hospitalization, diagnostic tests such as x-rays or MRIs, prescription food, cancer treatments, procedures for heart problems or prescription medications. This list is not all-inclusive and you should check your policy for details.

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

    Pet insurance in Nebraska costs anywhere from $11.58 to $34.97 per month for dogs (based on prices for a healthy 2-year-old located in the 68010 zip code). And anywhere from $10.83 to $13.50 per month for cats (based on prices for a healthy 2-year-old located in the 68010 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 Lemonade who we’ve seen consistently offer the lowest prices and best coverage out of any other provider.

  • 3. Can I cancel my pet insurance plan after I make a claim?

    Most insurance companies will allow you to cancel a policy as long as you put it in writing. Review the cancellation process to make sure you will not be responsible for any outstanding fees. Be aware that anything that was diagnosed prior to the cancellation could be considered pre-existing conditions if you were to reinstate the policy at a later date.

  • 4. Do Nebraska pet insurance companies cover spay/neuter?

    In general, spay/neuter is not a procedure covered under pet insurance plans. There are a few companies, like Embrace, that may include spaying/neutering in their optional wellness packages so check to see if you can add this to your policy.

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

    As our pets get older, their chances of getting sick or hurt increase. To balance out this risk, companies start to raise monthly premiums once a pet reaches 4 or 5 years old and into their senior years.

  • 6. Which companies cover pre-existing conditions?

    Typically companies do not cover pre-existing conditions and will look for documentation that proves your dog or cat do not have any. Only one of the providers reviewed, Pawp, does not consider pre-existing conditions because they will cover everything as long as it’s deemed an emergency by their vets. Embrace also may grant coverage to a curable pre-existing condition but you would want to verify specifics up front prior to purchasing a policy.

  • 7. Is dog or cat insurance worth it in Nebraska?

    Let’s face it – accidents happen out of the blue, and pets can quickly become gravely ill. We don’t always have warning about these emergencies and it can be emotionally and financially draining. Pet insurance allows you to prepare for these events and provides financial support so you can focus on getting your pet well and not on how you are going to pay for vet services.

  • 8. What are some strategies to keep my pet safe in Nebraska?

    Winter in Nebraska can be rough on our pets. It is always recommended to bring your pets inside when temperatures start to drop. Cats and dogs need access to fresh, cool water to keep them healthy. If your dog is outside for walks or to play in the yard, wipe their paws, belly and ears to clean off ice, salt and chemicals so they aren’t ingested. Short-haired and older dogs may need a coat or sweater to provide an extra layer of warmth when outdoors. Dogs that live primarily outside need shelter from the elements and frigid temps.

    If your cat or dog likes to roam the neighborhood, make sure you are following all local ordinances. Some areas do not allow dogs to be off-leash. Most cities require dogs and cats to be registered with the municipality and require proof of rabies vaccination. It’s always a good idea to work with your veterinarian to see what other vaccinations they recommend based on your pet’s lifestyle. If your pet has access to wildlife in the area, vaccinations are a top priority! When possible, it’s best not to leave your pet unattended outside, for their safety as well as birds and other small mammals. To help keep wildlife at bay, bring in cat/dog food at night.


We hope this article has provided valuable insight when choosing a pet insurance plan that’s right for you and your pet. It’s a big decision so take the time to review policy details before you purchase a plan. Buying the best pet insurance that meets your needs can go a long way in helping your dog or cat live a healthy, joyful life right by your side.

In our experience, after careful review, we’ve consistently seen Lemonade 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 68010 zipcode. 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
  • Lemonade = $20,000