Pet healthcare costs are high, and just like with human medical expenses, the prices skyrocket when it’s an emergency. Vet visits are stressful for you and your pet but you can alleviate some of the financial burden by looking into pet insurance. This article will help you uncover the 5 best pet insurance companies for dog and cat owners living in North Dakota and show you the best fit for your pet.
5 Top North Dakota Pet Insurance for Dogs & Cats
Why it’s great: With great accident and illness coverage, Lemonade ranks best overall for their inexpensive monthly premiums and excellent wellness packages to add to a basic policy. An added bonus with their insurance plans is they only have you wait 2 days before your accident coverage kicks in; so much shorter than the 14 day waiting period that is typical with other providers. Imagine how quick and easy it will be to submit claims through Lemonade’s top notch mobile app that is very user-friendly. If you have a homeowner’s or renter’s insurance policy with them, you can bundle with a pet plan for additional savings.
Keep in mind: Lemonade may require you to submit documentation of your pet’s medical history before you get an active policy if they are a bit older or have pre-existing conditions.
Good for: Most pets, particularly if they are young and healthy.
Average price for DOGS in North Dakota: $26.08/month
Average price for CATS in North Dakota: $11.33/month
(Best for wellness)
Why it’s great: Once you reach your annual deductible, Wagmo will reimburse up to 100% of vet fees for the rest of that year, something that should be music to the ears of North Dakota pet parents. Those reimbursements won’t take long either as they distribute through direct deposit, PayPal or Venmo. The plans allow you to go to any licensed vet, even your cat’s favorite! And their routine care add-ons offer a variety of great options. Wagmo sees you multi-pet owners and rewards you by offering a discount for more than one four-legged floof ball in the household. Go the whole year without a reimbursement claim and they will give you a discount at renewal time.
Keep in mind: Nothing this good lasts forever, though, and your coverage will end if you reach the maximum payout limit of $100,000.
Good for: Dog and cat owners looking for a worthwhile combo of medical care coverage and preventative packages.
Average price for DOGS in North Dakota: $41.68/month
Average price for CATS in North Dakota: $25.35/month
(Best for cats)
Why it’s great: Rated best for cats, Figo really scores by having some of the lowest monthly fees for cat pet insurance plans. Luckily for North Dakota residents, they also get that not all emergencies happen during “normal business hours.” Figo has live, 24/7 veterinary support through their mobile app. There are optional additional benefits such as wellness packages that cover routine care and can be combined with a basic policy. One of these options will even pay up to $250 for veterinary-prescribed pet food. Figo does not have a maximum payout limit so you can be reimbursed for claims well into your pet’s golden years.
Keep in mind: They don’t cover pre-existing conditions, which is fairly standard practice for pet insurance.
Good for: Pet parents who like to have a vet on speed dial 24/7 without having to pay extra for it.
Average price for DOGS in North Dakota: $27.13/month
Average price for CATS in North Dakota: $13.68/month
(Best for pre-existing conditions)
Why it’s great: Pawp’s plan, which is more like an emergency fund, will cover up to 6 of your pets regardless of their age, breed or pre-existing conditions. The fund also includes telehealth services with unlimited 24/7 access to licensed vets and pet experts. There is no predetermined list of veterinarians to choose from so you can stay with one you like. During your vet visit, there are no copays, deductibles or credit checks; in fact, you’ll leave the office with no bill at all!
Keep in mind: Vet visits will need to be pre-authorized as an emergency by their virtual vets before you go. The emergency fund from Pawp only covers one pet for one vet bill up to $3,000 per year.
Good for: You could use the emergency fund as an added benefit to a typical pet insurance plan or it might be good for older pets or those with pre-existing conditions.
(Best established brand)
Why it’s great: A couple of perks with their plans – discounts for multiple pets and no maximum lifetime payout limits. Embrace rewards their pet owners who do not have reimbursements by “diminishing deductibles” by $50 each year you do not have a claim. If you know that your pet will require spaying/neutering, they have a routine care plan that covers the procedure which can be added on to a policy. Something that really sets Embrace apart from other companies is their inclusion of alternative veterinary medicine. One of their wellness plans covers treatments like acupuncture, reiki, massage therapy and chiropractic visits.
Keep in mind: Your cat or dog will only be eligible up to 14 years old. Additionally, the maximum combined claims for the wellness add-on is $650/year, which amounts to around $25 in savings. If you do not use all of the funds in the wellness plans in a year, they will not refund you nor will it roll over to the next year.
Good for: Pet owners who embrace alternative, new-age veterinary remedies along with modern medical care.
Average price for DOGS in North Dakota: $30.82/month
Average price for CATS in North Dakota: $18.00/month
FAQs about Pet Insurance in North Dakota
1. What does pet insurance typically cover for dogs and cats?
Specific terms of a policy vary but pet insurance is primarily used for new accidents and illnesses your pet incurs. Treating these new incidents may result in services like hospitalization, surgery, diagnostic tests, MRIs or x-rays, bloodwork, chemotherapy, or prescription medication. Refer to your policy for the fine print.
2. How much does pet insurance cost in North Dakota?
Pet insurance in North Dakota costs anywhere from $12.38 to $37.39 per month for dogs (based on prices for a healthy 2-year-old located in the 58107 zip code). And anywhere from $11.58 to $14.44 per month for cats (based on prices for a healthy 2-year-old located in the 58107 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 dog or cat insurance plan after I make a claim?
Most insurance companies will allow you to cancel a policy if you put it in writing. It’s good to know your plan’s cancellation policy to be sure it doesn’t include any hidden fees or stipulations. If your pet was diagnosed with an illness or treated for an injury before you cancel the plan, the company may feel these are pre-existing conditions if you wanted to reinstate the policy at a later date.
4. Do North Dakota pet insurance companies cover spaying and neutering?
Typically spay/neuter procedures are not covered under pet insurance in North Dakota. A few providers like Embrace offer wellness packages, which can be added to a standard plan, that do include spaying/neutering.
5. Does the cost of insurance increase as my pet ages?
As your pet ages, they face increased risk of injury and becoming ill. To balance out the risks, insurance companies begin to raise monthly fees around 4 or 5 years old.
6. Which companies cover pre-existing conditions?
As we’ve stated, many insurance companies do not cover pre-existing conditions. For those of you who have pets that are already being treated for an ailment, there are still a couple options available. Pawp will cover any emergency, regardless of pre-existing conditions. You will want to have the emergency determined by their virtual vets prior to a clinic visit. Embrace may also grant coverage to curable pre-existing conditions. It would be a good idea to look into their policy terms prior to purchasing a plan and even inquiring with one of their agents.
7. Is pet insurance worth it in North Dakota?
Like auto insurance for humans, you may never need pet insurance but it provides peace of mind that you are prepared. Our pets live life to the fullest and sometimes that means injuries happen, and the longer our pets are with us, their chances of illness increase. Vet visits under these circumstances can be stressful and expensive. Pet insurance provides a financial buffer and allows you to plan ahead for life’s emergencies while enjoying the here and now with your furry companion.
We hope this article has given you insight into the various pet insurance companies and their plans. Finding the right insurance is important but doesn’t need to be an intimidating task. Review each plan to see what is covered and their optional wellness packages. Buying the best insurance to fit your pet’s needs will help them live long, healthy lives.
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 58107 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