7 Best and Cheapest Pet Insurance Companies In Minnesota

If you can’t predict an accident or disease that could affect the health of your pet then it’s important you protect your pup with a pet insurance in Minnesota.

As a pet owner in Minnesota having a pet insurance provides peace of mind that you’ll provide for any health issue which might occur throughout the life of your pup.

However, choosing a plan among the many options available to you might be very confusing and frustrating.

So, In this article, you’ll learn about some of the pet insurance companies in Minnesota that can cover for the needs of your pup.

Not only that we have answered some of the frequently asked questions about pet insurance in Minnesota.

Without much ado let’s get into the details.

Infographics showing a list of the best insurance companies in Minnesota.

Which Companies Offer Pet Insurance In Minnesota?

There are about 7 best pet insurance companies that offer pet insurance in Minnesota that you can choose from.

1. Lemonade Pet Insurance: 

Lemonade provides a variety of insurance choices. In addition to pet insurance, Lemonade also offers home, renters’, and auto insurance.

Basically, they offer a variety of coverage limits, reimbursement and deductibles and discount options. 

Also, they offer an inexpensive boost coverage and several ads-on as a result, making it a more comprehensive coverage for your animal.

Lemonade is unique among insurance providers in that it isn’t just interested in making money.

Instead, the cost of claims is covered by premiums. Any money left over at the end of the year is donated to its clients’ favorite charities.

That said, Lemonade has 3 different types of waiting period, which is 2 days waiting period for accidents, 14 days for illnesses and 6 months for cruciate ligament injuries.

A cat typically costs $15 per month, whereas a dog typically costs $37 per month. 

For an additional fee, you can also choose to add a wellness package to your coverage. 

It starts at $10 a month for cats and goes up to $15 a month if you choose the highest level.

Depending on the level of coverage, Lemonade may offer annual deductibles between $500 and $5,000 and coverage up to $100,000.

Remember that species, gender, age and location will all affect the price, so keep that in mind.


  • Offers a 48 hours waiting period for accidents 
  • No age limit for coverage 
  • Optional wellness plan available 
  • Multiple discount programs 
  • Fast processing of claims
  • Multiple policies and riders available 
  • Offers multi pet discount of 10%


  • Don’t cover behavioral treatments
  • No unlimited benefits 
  • No money back guarantee 

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2. Spot Pet Insurance:

Spot Pet Insurance is an easy method to guarantee that your pet gets the necessary medical treatment when it’s most required. 

They’re easy to use; all you have to do is visit your veterinarian, submit a claim following treatment, and wait for payment. 

Additionally, you may tailor the policy to match the requirements of your pet and your budget by selecting the level of coverage you choose.

The average monthly cost for dogs is about $30, and the average monthly cost for cats is about $25. 

The pet insurance company Crum & Forster underwrites Spot. Spot is customizable with an annual maximum of $2,500. 

Additionally, it offers several preventive health packages for an additional cost and a 10% multi-pet discount on animals added to the insurance. 

Plans from Spot are also available without a yearly cap.


  • No upper age limit 
  • 30 days money back guarantee 
  • Covers the veterinarian office visit fee for illness and accidents
  • Offers multipet discount of 10%
  • Optional wellness plan available
  • Has a 24/7 pet telehealth line
  • Low $100 deductible available
  • Its standard plan includes micro chipping.
  • Has option for unlimited annual coverage 


  • Doesn’t cover pets under eight weeks old.
  • The waiting period for accidents is 14days

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3. Embrace Pet Insurance: 

Embrace pet insurance provides you with a variety of options for coverage, reimbursement and deductibles within your budget.

Also, you can lower your premium with a diminishing deductible that reduces it by $50 each year you don’t have a claim paid

Their coverage includes accidents, illnesses and other conditions. In addition they also offer an accident-only policy.

However when you buy an accident-only policy you won’t be covered for conditions included in accident and illness plans.

Embrace is best for older pets because they are willing to offer coverage for animals that are up to the age of 15.

In addition, all of their policies come with a 30days money-back guarantee or a prorated refund.

Plans for dogs cost an average of $30 to $40 a month, and for cats, $15 to $20. Keep in mind that prices will vary according to breed, gender, and age.


  • Offers employers and military benefits 
  • Has a 24/7 pet telehealth line.
  • 2 days waiting period for accident
  • Covers the veterinarian office visit fee for illness and accidents.
  • Provides an excellent range of options for annual coverage, reimbursement and deductibles.


  • No unlimited benefits 
  • Strict pre-existing condition rules

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4. ASPCA Pet Insurance:

ASPCA pet health insurance is one of the best due to its partnership with the American Society for the Prevention of Cruelty to Animals (ASPCA).

They are highly recommended, it backs up its products and also offers a 30days money back guarantee.

In addition ASPCA does not demand prior exams before enrolling, just like some other pet health insurance companies.

Also, other pet insurance companies do not cover for pre-existing conditions; however, ASPCA handles pre-existing conditions that are curable.

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This means that if your animal has a curable condition and is free from the treatment and symptoms for at least 180days it can be covered.

ASPCA pet insurance costs $49 per month for dogs and $29 for cats however, keep in mind that these costs vary based on the plan you choose, location, your pup’s age as well as the breed.


  • Covers horses in addition to dogs and cats.
  • Pre-existing conditions are covered after 180 days.
  • No upper age limit 
  • Covered stem cell therapy and micro chipping.
  • Includes coverage for Exam fees
  • Offers multi pet discount of 10%
  • Has a 24/7 tele health line


  • Doesn’t offer unlimited annual coverage.
  • Has a 15-day waiting period for accidents.
  • Doesn’t offer unlimited annual coverage.
  • Has a 15-day waiting period for accidents.

5. FIGO: Best For Reimbursement Options

Most pet insurance companies only provide up to 90% reimbursement but with FIGO pet owners can select up to 100% reimbursement.

Additionally, Figo provides a decreasing deductible. Your deductible will drop by $50 each year you go without a claim from Figo until it is $0.

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Also, there are extra benefits you can add to your policy to help pay for vaccinations and preventative care, veterinary exam fee plans and wellness plans.

FIGO also covers boarding costs and third-party property damage liability protection as well as coverage for final respect for cremation and burial.

That said, here are the the three accident and illness policies for dogs and cats that Figo offers:

  • Essential: This plan costs $15.40 to $38.48/month for cats and dogs and provides up to $5000 in annual benefits.
  • Preferred: This costs $16.85 to $41.01/month for cats and dogs and provides an annual benefit capped at $10000.
  • Ultimate: This plan costs $21.72 to $43.82/month for cats and dogs and has an unlimited annual benefit.

Each of these plans covers conditions such as hip dysplasia, chronic conditions, hereditary and congenital conditions.


  • Offers up to 100% reimbursement 
  • One day waiting period for injuries and 14 days waiting period for illness.
  • Does not cap claim payment by condition type
  • No upper age enrollment limit
  • Free 24/7 vet helpline 


  • Some of their coverage requires you purchase an additional rider
  • Can only include knee condition coverage after 6months orthopedic waiting period.

6. Healthy Paws Pet Insurance: 

Healthy Paws was founded in 2009 as a nonprofit to assist pet owners with their financial responsibilities for their animals.

In order to aid animal rescue organizations with sick animals.

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Aon Corporation, a leading international insurance broker, has partnered with Healthy Paws, and Chubb Group supports its line of pet insurance policies.

Accidents, illnesses, cancer, urgent care, genetic problems, dental care, and complementary treatments like acupuncture and chiropractic are all covered by Healthy Paws insurance.

Plans for dogs cost an average of $39 monthly, while the monthly cost for cats is $12.

The 30-day money-back guarantee, adaptable coverage, and a $25 one-time registration charge are the standout benefits.


  • Covers breed-specific conditions
  • No limits on coverage
  • Good BBB rating
  • Fast claim repayment


  • New member fee
  • No preventive care benefits

7. Pawp: Best For Multiple Pets

Pawp is a pet insurance company that is best with emergencies and can cover for up to 6 pets in a household, regardless of your pup’s age, breed or medical history.

In addition, unlike other policies they do not have reimbursement levels, deductibles or copays.

The best part is that your pup can see the vet of your choice and the bill will be fully paid for before you leave the clinic.

With this, you don’t have to go through the stressful claim process of some insurance policies.

That said, they are great for older pets and those with pre-existing conditions; however, wellness, routines or preventive care has to be paid for from your pocket.

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It’s important to note that Pawp emergency funds can only be used for true emergencies. 

Pawp’s pricing structure is simple. Each membership, which includes the Emergency Plan, is a flat rate of $24 per month.


  • Does direct payment to your vet before you leave the clinic instead of reimbursing you
  • There are no deductibles 
  • Has a 24/7 tele health line
  • Can cover pre-existing conditions as long as they’re considered life-threatening emergencies.


  • Doesn’t offer coverage options for preventative care
  • Has a 14days waiting period.

Now you have learnt about some of the pet insurance companies in Minnesota 

Are There Factors That Affect The Price Of Pet Insurance In Minnesota?

There are factors which determine how much a pet insurance provider can give you for a monthly premium.

Below are some of them:

1. Your Pet’s Age:

Due to their higher risk of developing medical problems, older pets often cost more to insure than younger ones. 

So  early pet insurance can assist in keeping the costs down when the policy’s terms are renewed yearly.

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2. The Type of Breed:

The cost of insurance for some dog or cat breeds that are more prone to illnesses might be way higher than other types.

For instance, the cost of insurance for golden retrievers is more than that of  Yorkshire terriers or mixed breeds.

3. Location: 

Basically, your zip code which shows your location actually plays a role too in increasing your quote.

So, it’s advisable you get quotes from insurance providers that are close to you based on your exact state.

4.  Plan Customization: 

Many insurance providers actually offer different customization options so that you can only get to pay for what you need.

You can choose to lower your premium, by selecting a lower annual coverage as well as a lower reimbursement rate, and higher deductibles.

Although, having a higher out of pocket pay during claim might cost a lot of money in the long run.

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5.  Discounts:

There are some insurance companies that offer multi pet discounts. For instance, Spot gives customers who insure multiple pets a 10% discount.

In addition, insurance companies also offer extra discounts like military or a claim-free discount.

Now you know some of the factors that affect the price, continue reading to learn how to find the best pet insurance for your furry friend.

How Do I Find The Best Pet Insurance In Minnesota?

Here is how to find the best pet insurance in Minnesota that will be affordable for you and your furry friend.

There are some factors you have to look at and put into consideration.

1. Understand How The Plan Will Be Used:

Before enrolling for a plan, you must know what your pup needs most in order for you to choose the plan that best suits them.

For example, if you are looking for a plan that only kicks in during emergencies or during illness, injuries and everyday expenses these you’ll have to specify.

Which are:

Accidents only Coverage:

This plan exclusively covers medical pet emergencies. For example if your furry friend accidentally swallows something they weren’t supposed to or got hit by a car.

All you have to do is just file for a claim and get reimbursed after paying the vet bill.

Accidents and Illness:

This kind of insurance typically pays vet bills for illnesses, including common illnesses, hereditary conditions, and serious illnesses. 

It includes the cost for emergency vet visits together with standard veterinary care required to treat common health problems in pets. 

Wellness Plans:

After selecting your desired level of coverage, you can then opt for a wellness program for pets, which will act as a “rider” on top of your insurance policy, if you choose to sign up.

Doing this will provide financial benefits on preventive care such as annual checkups, required for your pet’s vaccinations.

Above all, what determines the right plan for you is the type of coverage you want for your cat or dog.

2. Choose a plan with a 24/7 vet helpline:

If for instance your cat or dog mistakenly ate a poisonous plant on a Sunday afternoon, your vet might not be able to help you through the process.

This is where your vet helpline comes in and not all pet insurance companies offer a 24/7 vet helpline to answer questions.

Embrace and Spot pet insurance companies offer a 24/7 vet helpline.

So, selecting an insurance company that offers such will put your mind at ease.

3. Look For A Multipet Discount:

There are some insurance companies that offer multi pet discounts. For instance, Spot gives customers who insure multiple pets a 10% discount.

In addition, insurance companies also offer extra discounts like military or a claim-free discount. 

4. Your Access To Care:

When it comes to reimbursement, most top pet insurance plans will offer coverage for any licensed veterinarian or care provider.

Sometimes, some carriers require you to see a vet in a particular network which might not be close to your state.

Especially when it has to deal with alternative care providers such as behavioral therapists, chiropractors, or acupuncturists.

Ultimately, be sure the policy you’re enrolling into covers for all of the care you provide your pup.

5. Look For Exclusions and Waiting Periods

Exclusions are some of the conditions that some pet insurance companies do not cover. So, find out whether your animal has any of the conditions in the policy.

Meanwhile, some plans have a short waiting period that is usually 14days while some are longer than that. 

For example, Spot has just one day waiting period for injuries and 14days for illnesses.

Above all, having an idea of what an insurance policy’s exclusion and waiting period entails will help you choose better.

6. Check Weather Your Pet Is Eligible

If your cat or dog is elderly or suffers from an ongoing medical condition, a health and accident insurance coverage might be too expensive thereby not providing the care they need.

However, a discount plan might be of more value since they don’t exclude senior pets or those with pre existing conditions.

In as much as some companies might not allow senior pets to enroll for the first time, they can be eligible for accident coverage if you can afford it. 

Again, depending on the insurance company, puppies and kittens must be at least up to 6 to 10 weeks old to be insured.

The majority of policies, however, provide coverage for a pet’s whole life as long as you continue to pay the payments.

Are There Pet Laws In Minnesota?

Yes, Minnesota has several state laws in place to help protect your pet as well as the community.

Here are a few you pet laws you should know about:

  • There isn’t a statewide leash law. However, dogs can be impounded if they’re found running around alone.
  • Wildlife can not be used for public exhibition purposes or as a pet without a permit.
  • Dogs and cats must have their rabies shots. They must also wear a tag showing proof of this vaccination at all times. Dogs without licenses on their collars may be seized.
  • A household in Minnesota can have up to three dogs or three dogs and a cat.
  • The state doesn’t require pet licenses. However, there are cities which require it, so you have to check if your city requires your pet to be licensed.

Summary of the Best Pet Insurance Companies In Minnesota 

  • Lemonade: Best over all most affordable 
  • Spot: Most customizable Plan
  • Embrace: Best for saving 
  • ASPCA: Most experienced 
  • FIGO: Best in flexible reimbursement rates
  • Healthy Paws: Best for pets with chronic conditions.
  • Pawp: Best for multiple pets


Pet insurance provides financial safety for pet owners in the event that their pet becomes ill, develops a chronic condition, or is involved in an accident. 

With pet insurance, you can relax knowing that you have a backup plan  for your pet’s medical expenses. 

This enables you to select treatments based on how much you believe they will meet your pet’s needs, rather than just on costs. 

Wellness programs can also assist with annual expenses for routine veterinary care, such as checkups, shots, spay and dental cleanings.

Regardless of the company and plan you decide to choose, make sure you try and gather multiple free quotes before making a decision.

Because this will help you know what each company offers at different prices thereby allowing you choose the best plan for your pup.

Frequently Asked Questions 

What Are The Best Pet Insurance Companies In Minnesota?

Lemonade offers you a very affordable coverage and has an efficient claims process.

Another great choice for pet owners on a budget is Embrace because they provide you with a variety of options for coverage.

You might as well use Spot, which offers a variety of adjustable coverage caps, for extremely personalized coverage.

Do pet insurance companies in Minnesota cover spaying and neutering?

Generally most pet insurance companies don’t cover Spaying and Neutering because it’s considered a predictive procedure.

However, there’s a way pet providers offer the coverage for spaying and neutering through a wellness plan.

Which is what you’ll find in companies like Spot, ASPCA, FIGO and Embrace, for instance.

Does the cost of pet insurance in Minnesota increase as my pet ages?

There are some pet insurance companies that increase your premiums as your pup ages.

However, if you do not want that you’ll have to go for those policies which offer no upper age limit such as Spot and ASPCA

Which Pet Insurance Companies in Minnesota Cover For Pre-existing conditions?

Yes! Companies like Pawp rank the best when it comes to covering for pre-existing conditions especially in emergencies.

On the other hand, Embrace covers for pre-existing conditions but only the ones that are curable.

However, it’s important you speak with these companies above for clarification before enrolling.

Again, keep in mind that most pet insurance policies do not cover for pre-existing conditions.

But you will still be eligible for pet insurance even if your pup has a history or prior conditions.

What Is The Average Cost Of Pet Insurance In Minnesota?

Based on the quotes we received while sourcing for informations from some of the popular providers, we found this;

Pet insurance in Minnesota usually costs from $14.79 to $44.65 per month for dogs and $13.83 to $23.24 for cats.

However, this is not a fixed price because prices vary by species, breed, your pup’s age and zip code.

Does Pet Insurance in Minnesota Cover Vaccinations?

Actually, vaccines fall under routine and preventative care which are generally excluded under a basic pet insurance plan.

Although, just like neutering, having a wellness benefit add-on to your policy may cover routine care such as vaccines.

What Does Pet Insurance Not Cover In Minnesota?

Generally, pet insurance policies don’t cover for pre-existing conditions before enrollment or during waiting periods.

In addition, they do not include cosmetic or elective procedures, such as declawing or ear clipping.

However, you can pay for the above when you get a wellness plan as an add-on to your accident and illness coverage.


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