Table of Contents

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

South dakota scenery
Updated on

Dedicated pet owners look for ways to safeguard against sudden accidents and illnesses, and therefore seek out insurance for their beloved dogs and cats. Pet insurance helps mitigate the exorbitant costs of urgent veterinary care, so animals can receive the treatment they need. To assist you in your search for the best pet insurance for South Dakota residents, we have ranked the top 5 companies.

Adventurous cat enjoying the view of the Black Hills
Adventurous cat enjoying the view of the Black Hills :)

5 Top Dog & Cat Insurance Companies Compared for South Dakota

  • 1. Wagmo

    (Best for wellness)

    Why it’s great: Pet parents will appreciate the super-fast reimbursements via direct deposit, Venmo and PayPal, along with the freedom to choose their veterinarians. One of the best benefits of Wagmo’s coverage is that once you meet your annual deductible, they will cover up to 100% of vet fees for the rest of the year. Also, discounts are available for those who insure multiple pets or renew without having any claims in the past year.

    Keep in mind: Maximum lifetime benefits are capped at $100,000, after which coverage will end.

    Good for: Pet parents who want coverage that includes a balanced wellness and emergency care mix. 

    Average price for DOGS in South Dakota: $40.39/month 

    Average price for CATS in South Dakota: $24.59/month


    Learn more at ➜

  • 2. Figo

    (Best for cats)

    Why it’s great: Figo insures most pets, but they have some of the best monthly premiums for cats. Plus, pet parents will have 24/7 veterinary support through the mobile app. Figo offers several wellness packages that provide routine care-related coverage, including one that pays for as much as $250 of prescription food. All standard policies come with unlimited lifetime benefits.

    Keep in mind: Pre-existing conditions are not covered.

    Good for: Cat parents as well as pet owners in general who want 24/7 veterinary support services included with their plan.  

    Average price for DOGS in South Dakota: $36.41/month 

    Average price for CATS in South Dakota: $19.65/month


    Learn more at ➜

  • 3. Pawp

    (Best for pre-existing conditions)

    Why it’s great: Pawp offers an emergency fund that protects up to 6 pets of any age, breed, or medical history within a given household for only $24 per month. They also offer unlimited 24/7 televet consultations, access to pet experts, and no copays, deductibles, or credit checks. Pet parents will be able to leave the vet’s clinic with their bills paid in full for all qualified emergencies.

    Keep in mind: All emergency care must be approved and determined as “true emergencies” by Pawp’s virtual team of vets before payment will be released. The fund covers only one of your pets for a single vet bill of less than $3,000 per year.

    Good for: Pets that are older or have pre-existing conditions. Makes an excellent supplement to a traditional pet insurance plan.  

    Price: $24/month 


    Learn more at ➜

  • 4. Embrace

    Why it’s great: Embrace offers several benefits that will appeal to pet parents, such as unlimited lifetime benefits, discounts for multiple pets and diminishing deductibles. With diminishing deductibles, pet owners can expect their deductibles to drop automatically by $50 upon renewal if they did not have reimbursed claims in the previous year. Embrace’s wellness plan is unique because it covers alternative veterinary treatments, including reiki, chiropractic, acupuncture and massage therapy.

    Keep in mind: The maximum combined claims total for the wellness plan is $650. They will not refund any unused wellness plan funds at the end of the year.

    Good for: Pet parents who would like alternative veterinary care covered.  

    Average price for DOGS in South Dakota: $38.39/month 

    Average price for CATS in South Dakota: $22.42/month


    Learn more at ➜

  • 5. Eusoh

    (Best pet healthshare community)

    Why it’s great: While Eusoh may not be a pet insurance company, they are a community for health-sharing plans that helps members save up to 50% more than they would with conventional insurance. Eusoh reimburses for expenses related to illness, accident and routine care. Moreover, they provide members with access to telehealth services via their partner, FirstVet, and allow pet parents to choose their veterinarians.

    Keep in mind: Eusoh is an expense-sharing community, not a pet insurance company. Their top reimbursement rate is 80%, and their maximum annual payout is $8,500.

    Good for: Pet parents that prefer healthshare communities.  

    Average price for DOGS in South Dakota: $62.58/month 

    Average price for CATS in South Dakota: $40.94/month


    Learn more at ➜

Best Overall


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

Average price for DOGS in South Dakota: $40.39/month 

Average price for CATS in South Dakota: $24.59/month


Learn more at ➜

FAQs About Pet Insurance in South Dakota

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

    While there are some variations in coverage from one pet insurance company to the next, you can expect illnesses and accidents that qualify as sudden and catastrophic will be covered. Treatment that usually falls under coverage includes tests, exams, other diagnostic procedures, medications, emergency care and surgery.

  • 2. How much does pet insurance cost in South Dakota?

    Pet insurance in South Dakota costs anywhere from $16.62 to $50.20 per month for dogs (based on prices for a healthy 2-year-old located in the 57101 zip code). And anywhere from $15.54 to $19.38 per month for cats (based on prices for a healthy 2-year-old located in the 57101 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?

    Most companies will allow you to cancel your cat or dog insurance at any time. Many require that you do so in writing, so clarify the appropriate next steps with your provider.

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

    South Dakota pet insurance companies do not cover spaying and neutering. However, some companies like Embrace offer wellness package add-ons that provide coverage for these operations.

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

    Your pet insurance rates will increase as your pet gets older, and this will become most noticeable once they reach the 4 to 5-year-old range. Raising rates helps pet insurance companies mitigate the increased risks that animals will get ill or develop serious health conditions and therefore need more urgent care once they age.

  • 6. Which companies cover pre-existing conditions?

    Pawp is the top pet insurance company for covering pre-existing conditions, most specifically in emergencies. Embrace also covers limited pre-existing conditions that they deem to be ‘curable.’ It is always a good idea to clarify with each provider what they cover and do not cover before applying. Most pet insurance companies do not cover pre-existing conditions at all. That said, if your pet has a history of health issues, it will not preclude them from getting pet insurance.

  • 7. Is pet insurance worth it in South Dakota?

    Pet insurance is beneficial for South Dakota residents because emergencies can happen at any time and urgent veterinary care is expensive. For example, cancer therapies can cost as much as $10,000 and cataract surgery $4,000.


We hope this article brings some clarity to your search for the right pet insurance for your cat or dog. We recommend taking a deeper look at each of these companies’ offerings before applying for a policy. Buying the best South Dakota pet insurance plan can provide your best pal with vital support in emergencies and for preventative so that you both can live long and happy lives together.

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 57101 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
  • Eusoh = $8,500