As pet owners, our dogs and cats are family members. They offer us happy companionship and, in turn, we take care of their needs. Like humans, pets can unexpectedly become ill or have a serious injury. Emergencies like that are expensive and stressful. Planning ahead with pet insurance can help you financially prepare for those incidents and give you peace of mind so you can enjoy the time with your furry family members.
5 Top Dog & Cat Insurance Companies Compared for Wisconsin
Why it’s great: Ranking best overall, Lemonade has affordable rates, good accident and illness coverage, and preventative care add-ons. Typically providers have a 14 day waiting period for accidents but Lemonade only requires 2 days. They also have a top-notch mobile app that makes processing claims quicker with their user-friendly filing system. If you already have homeowner’s or renter’s insurance with Lemonade, bundling with pet insurance will give you an extra discount.
Keep in mind: Before they will issue an active policy, they may request documentation from your veterinarian about past medical concerns if your pet is older or has pre-existing conditions.
Good for: Almost all pets, including dogs and cats, are young and healthy.
Average price for DOGS in Wisconsin: $24.83/month
Average price for CATS in Wisconsin: $11.00/month
(Best for wellness)
Why it’s great: Once you meet the annual deductible, Wagmo reimburses up to 100% of vet fees for the rest of the year, something Wisconsin pet parents should be excited about! Those reimbursements will be done in record time, too, because they use direct deposit, PayPal or Venmo, giving you several options. They offer a wide range of wellness plan add-ons to a basic policy. If you have more than one pet, Wagmo has a multi-pet discount. Another potential benefit you can take advantage of is a discounted price on renewing your policy if you have not had any claims the previous year. And if your cat or dog really loves their vet, you can stay with them because you can use any licensed vet with their plans.
Keep in mind: Wagmo does have a lifetime payout limit of $100,000, and what that means is if you submitted claims above that amount during the lifetime of your pet, the policy would not reimburse you because coverage ends at the maximum.
Good for: Pet parents looking for a great combination of medical and wellness care benefits.
Average price for DOGS in Wisconsin: $48.34/month
Average price for CATS in Wisconsin: $29.19/month
(Best for cats)
Why it’s great: Calling all cat parents-Figo has some of the lowest monthly fees around for cat insurance. But they’re here for the dogs, too, and they know that emergencies don’t always occur during “business hours.” They offer live, 24/7 veterinary support through their mobile app. Figo features wellness plans that you can add to your policy, including an option that will cover up to $250 of prescription food prescribed by a veterinarian. You will also enjoy lifetime benefits as there is no maximum payout limit.
Keep in mind: Figo does not cover pre-existing conditions, which is typical in the pet insurance industry.
Good for: Live 24/7 veterinary support that is included in your insurance plan.
Average price for DOGS in Wisconsin: $39.25/month
Average price for CATS in Wisconsin: $19.80/month
(Best for pre-existing conditions)
Why it’s great: Pawp will protect up to 6 of your pets under an emergency fund regardless of their age, breed or any pre-existing conditions they may have. The package gives you unlimited access 24/7 to telehealth services with licensed vets and consultations with pet experts. There are no copays, deductibles or credit checks, and you will leave the office with your bill fully paid, saving you the time and hassle to submit claims. You have the option of using any licensed veterinarian.
Keep in mind: Pawp’s virtual vets will need to pre-authorize a visit as an emergency in order for it to be covered. The emergency fund covers only one pet for up to $3,000 per year for one visit.
Good for: The emergency fund might make a great addition to an average pet insurance policy, particularly if you have pets who are older or have pre-existing conditions.
(Best established brand)
Why it’s great: Your dog or cat will be eligible for coverage during most, if not all, of their golden years as Embrace does not have a maximum lifetime payout limit. If you have more than one pet, they offer a multi-pet discount. Each year you do not have a claim reimbursement, they will lower your annual deductible by $50. For those pet parents in need of spay/neuter procedures, Embrace offers an optional routine care plan to cover it. They also have customized wellness plans that include alternative veterinary treatments like acupuncture, reiki, massage therapy, and chiropractic visits.
Keep in mind: Pets are only eligible up to age 14. If you elect wellness coverage, the maximum combined claims for this add-on is $650/year, but this could still amount to $25 in savings annually. If you do not use all of the wellness funds in a year, there are no refunds and the money does not roll over to the next year.
Good for: Pet parents who are seeking alternative veterinary medicine.
Average price for DOGS in Wisconsin: $42.53/month
Average price for CATS in Wisconsin: $24.84/month
FAQs about Pet Insurance in Wisconsin
1. What does pet insurance typically cover for dogs and cats?
Pet insurance coverage varies by provider and plan but in general, policies cover new accidents or illnesses. This could include things like blood tests, MRIs, surgery, hospitalization, chronic conditions (as long as they aren’t pre-existing), prescription medication or cancer treatments.
2. How much does pet insurance cost in Wisconsin?
Pet insurance in Wisconsin costs anywhere from $17.92 to $54.12 per month for dogs (based on prices for a healthy 2-year-old located in the 53208 zip code). And anywhere from $16.76 to $20.89 per month for cats (based on prices for a healthy 2-year-old located in the 53208 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?
Insurance companies will usually allow you to cancel a policy as long as you put it in writing. It is a good idea to know the specific details of each plan’s cancellation policy so you are aware of any fees in advance. Suppose your pet was treated for any injuries or illness under this policy before cancellation. In that case, those treatments may be considered pre-existing conditions should you decide to reinstate the policy at a later date.
4. Do Wisconsin pet insurance companies cover spay/neuter?
Typically spaying/neutering is not covered under a Wisconsin accident or sickness insurance policy. A few providers, such as Embrace, cover the procedure under an optional wellness package that can be added to your policy.
5. Does the cost of insurance increase as my pet ages?
As your pet gets older, there are more chances for it to become ill or injured. Insurance companies assume the risk of these increased chances and offset it by raising your monthly premiums once your pet reaches 4 or 5 years old.
6. Which companies cover pre-existing conditions?
Pawp does not even look at whether a medical issue is a pre-existing condition so they would be your best bet, particularly in an emergency. Embrace has policy terms that may extend coverage to a curable pre-existing condition but we recommend verifying the parameters before purchasing a policy. Many of the other providers will not cover pre-existing conditions as we have noted.
7. Is dog or cat insurance worth it in Wisconsin?
If you think about pet insurance like you would health or car insurance, it is providing you the same peace of mind even though you may never use it. Lifelong pet owners know, though, that unexpected accidents and unplanned illnesses do happen. These emergencies can be stressful and expensive. Pet insurance lets you financially plan ahead for these situations to help with the costs so you can focus on enjoying time with your pet.
8. What are some strategies to keep my pet safe in Wisconsin?
Wisconsinites are very familiar with the brutal winters Mother Nature unleashes on the state. More dogs get lost in the snow than in the summer so it is best to never allow them off-leash and to make sure they are registered and microchipped. Dogs and cats can bring in salt and chemicals from anti-freeze so another tip is to wipe their paws off before they come into the house.
In the summer months, you should pay attention to the blue-green algae that form in bodies of water around Wisconsin. While algae is a natural part of water, with a lot of sunlight and nutrients, it can become blooms, which release toxins. A dog can breathe it in, or play in the water and get it on their coat, or even swallow some of the water, which can have deadly results. Avoid taking your dog into the water with algae and always provide clean water for them to drink.
We hope the information shared in this article has been a good starting point for your research into pet insurance. Take some time to review the plans you think might be a good fit for you and your pet to learn the details of each policy before you purchase a plan. Buying the right Wisconsin pet insurance plan for your pet will give you peace of mind when unexpected accidents or illnesses come up, and help keep them healthy for years to come.
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 53208 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