Devoted pet owners are all too conscious that emergencies can happen at any time and, because of this, seek extra protection in the form of pet insurance. Since urgent veterinary care costs are often sky-high, pet insurance provides a financial safety net so that pet parents can ensure their beloved cats and dogs can get the necessary care. As a result, we are thrilled to share the 5 best pet insurance companies for Wyoming residents.
5 Top Wyoming Pet Insurance for Dogs & Cats
(Best for wellness)
Why it’s great: Wagmo offers some of the fastest reimbursements, which they process via direct deposit, PayPal or Venmo. They also will reimburse as much as 100% of veterinary fees once you meet your annual deductible. Discounts are available for those who insure multiple pets or renew their policies without claims in the previous year. Pet parents will appreciate the freedom to choose the best veterinarian for their dogs and cats.
Keep in mind: The total maximum lifetime benefits is $100,000. Once your pet reaches this threshold, they will no longer be eligible for coverage.
Good for: Pet parents who want a balanced mix of wellness and emergency care.
Average price for DOGS in Wyoming: $41.68/month
Average price for CATS in Wyoming: $25.35/month
(Best for cats)
Why it’s great: While Figo insures both dogs and cats, they are known for having some of the best premiums for felines. Pet parents will receive live 24/7 veterinary support via the mobile app as part of standard coverage. Figo also has a selection of wellness package add-ons, one of which covers up to $250 of prescription food if your veterinarian writes a script for it. Another great perk of their coverage is unlimited lifetime benefits for all plans.
Keep in mind: Figo does not cover pre-existing conditions.
Good for: Cat parents, and pet owners in general, who want 24/7
telehealth services included in their policy.
Average price for DOGS in Wyoming: $22.98/month
Average price for CATS in Wyoming: $11.59/month
(Best for pre-existing conditions)
Why it’s great: Pawp has an emergency fund that protects as many as 6 pets within your household for only $24 per month, regardless of their age, breed or medical condition. In addition, pet owners will have access to pet expert consultations and unlimited 24/7 telehealth services. Unlike conventional pet insurance, Pawp requires no copays, deductibles or credit checks. Another bonus is that pet owners can rest easy knowing that bills for qualified emergencies will be paid in full before they leave the vet’s clinic. Pet parents also are free to choose their pets’ veterinarians.
Keep in mind: The emergency fund only covers true emergencies as determined by their virtual team of veterinarians. And it only covers a single vet bill under $3,000 for only one of your pets each year.
Good for: Older pets and pets with pre-existing conditions. A good
supplement for a traditional pet insurance plan
Price: $24 per month
(Best established brand)
Why it’s great: Embrace gives discounts for multiple pets, unlimited lifetime benefits and diminishing deductibles. Pet parents will love having a diminishing deductible since it means their deductible will automatically drop $50 upon renewal if they had no claims reimbursed the year prior. On top of conventional coverage, they have a wellness plan that allows for alternative veterinary treatments, including reiki, acupuncture, massage therapy, and chiropractic on top of conventional coverage.
Keep in mind: The wellness plan’s maximum combined claims total is $650. Any unused wellness plan funds will not be refunded at the end of each policy year.
Good for: Pet parents who want insurance that covers alternative
Average price for DOGS in Wyoming: $46.80/month
Average price for CATS in Wyoming: $27.33/month
(Best budget option)
Why it’s great: The Eusoh community allows members to buy into health-sharing plans that save them up to 50% compared with traditional pet insurance policies. These plans reimburse for illness, accident and routine-care expenses. Pet parents also get to choose their pets’ veterinarians and can access televet services via Eusoh’s partner, FirstVet.
Keep in mind: Eusoh is not a pet insurance company but rather an expense-sharing community. Their highest reimbursement rate is 80% and their maximum annual reimbursement amount is $8,500.
Good for: Pet parents on a budget.
Average price for DOGS in Wyoming: $62.58/month
Average price for CATS in Wyoming: $40.94/month
FAQs about Pet Insurance in Wyoming
1. What does pet insurance typically cover for dogs and cats?
Pet insurance coverage differs from one provider to the next, but you can expect that accidents and illnesses that are sudden and catastrophic in nature will be covered. Typically, your policy will provide for emergency-related tests, exams, diagnostic procedures, emergency care, medication and surgery.
2. How much does pet insurance cost in Wyoming?
Pet insurance in Wyoming costs anywhere from $10.49 to $31.68 per month for dogs (based on prices for a healthy 2-year-old located in the 82007 zip code). And anywhere from $9.82 to $12.24 per month for cats (based on prices for a healthy 2-year-old located in the 82007 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?
In general, pet insurance companies will allow you to cancel your policy at any time. That said, it is worth checking with your provider about their required steps for doing so.
4. Do Wyoming pet insurance companies cover spaying and neutering?
Wyoming pet insurance companies do not cover spaying and neutering. However, Embrace is one of the few with wellness plans covering such procedures.
5. Does the cost of insurance increase as my pet ages?
Pet insurance costs increase as your pet ages, especially once they are 4 to 5 years old. Providers raise rates in order to offset the increased risk of your cat or dog becoming ill or developing health conditions as they get older.
6. Which companies cover pre-existing conditions?
Pawp is the best when it comes to covering pre-existing conditions, particularly for emergencies. Embrace also covers some ‘curable’ pre-existing conditions on a very limited basis. It is always good to clarify with these providers for further details regarding coverage. Keep in mind that most providers do not cover any pre-existing conditions. The upshot is that pre-existing conditions will not render your pet ineligible for pet insurance coverage.
7. Is pet insurance worth it in Wyoming?
Emergencies inevitably strike at some point in most pets’ lives, which is why pet insurance is so valuable to Wyoming pet parents and their beloved cats and dogs. Pet insurance provides a financial safety net so your pet can get the care and treatment they need, when they need it, since urgent veterinary care can be costly. To give you a clearer picture of such fees, expect to pay as much as $10,000 for cancer therapies and $7,000 for hip replacement surgery.
We hope this article gives you all the essential information you need to simplify your search for the best Wyoming pet insurance company for your little pal. We encourage pet parents to contact the providers they feel may be a good match to learn further details about their available plans as well as their terms and conditions. Buying the right Wyoming pet insurance policy will give your cat or dog vital coverage in emergencies and for routine care so that you both can enjoy many long, healthy and fun-filled years 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 82007 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