So, you want to find pet insurance that’s affordable, trustworthy, and worth your time and money. But we all know this isn’t easy. After an exhausting Google search and giving out your email for free quotes, you feel overwhelmed and question if the struggle is worth it. After all, you have to deal with other insurance policies. Why would you want to throw another one into the pot?
We get it! Honestly, shopping for insurance isn’t supposed to be easy. But we can certainly take some of the weight off your shoulders. This post lists the 10 best pet insurance companies for Wyoming dwellers.
Even if you don’t live in Wyoming, you can still benefit from this post. That said, we’re focusing on why we feel these insurance companies are best for this state. Let’s dive in!
A Quick Look at Our Top Picks 2022
The Top 10 Pet Insurance Providers in Wyoming
1. Fetch – Best Overall
Fetch is our top pick because it covers accident and illness, including dental, with the added bonus of boarding and lost pet fees. They’ll also cover behavior and physical therapy. However, these options can be expensive, especially if you have multiple pets. They also don’t have wellness coverage. But it’s still a better (and probably cheaper) option than paying for wellness coverage at other companies.
To balance the price, Fetch is very generous with its discounts. They offer a 10% military discount, a 10% veterinary staff discount, and a 10% discount on service pets. This is a great option if you check any of these boxes.
2. Trupanion
Trupanion is one of the top pet insurance companies. They also have some of the most expensive monthly fees. But they offer certain perks that most pet insurance companies don’t offer.
They have direct vet payments, so you don’t have to worry about long reimbursement waiting periods. They also have a $0 deductible option, or you only pay a one-time deductible each time your pet gets sick with a new illness. If holistic medicine is important, you can pay a little more each month to cover alternative therapies. They have basic accident and illness coverage and even cover herbal therapy for no additional cost. You also get boarding and lost pet fee coverage for an additional cost.
Trupanion has four plans and charges a $35 one-time new customer fee. The deductible determines your plan and includes all the essential benefits plus unlimited annual coverage.
Unfortunately, Trupanion does not cover annual wellness care or exam fees. They have limited perks and expensive monthly costs. They also have an upper age limit of 14 years old. Even so, customers can’t deny that their customer service and the processing time for claims is fast and efficient.
3. Spot
Spot pet insurance is a new company that started in 2019. Since then, they’ve made quite a splash in the field. What stands out to us the most about Spot is how budget-friendly their plans are. Spot offers several deductible options ranging from $100–$1,000. You can choose between a 70%, 80%, or 90% reimbursement and select an annual coverage amount between $2,500 to unlimited. These options allow you to create a plan that doesn’t break the bank.
Spot keeps it simple with their plan options. You can select accident and illness or accident-only coverage. From there, you customize how much you want to spend monthly. Their accident and illness coverage covers everything you would need, plus behavioral. They’ll even cover exam fees! You can also receive a 10% discount for each additional pet if you have multiple pets.
The biggest cons with Spot are their waiting periods and customer service. For accidents, you have to wait 14 days, much longer than other companies. They also don’t have customer service available on the weekends.
4. Nationwide
Wyoming has the highest pet ownership rate in the country and Nationwide offers you a 5% multi-pet discount for each additional pet, including exotics animals.
Nationwide covers accidents and illness for an affordable rate. You’ll have three options to choose from when you sign up for a policy:
Major Medical is their cheapest and most basic plan. The Major Medical and Wellness option will cover general exams, vaccines, blood work, and preventative care for an additional cost if you want wellness coverage.
Unfortunately, you only get full coverage for hereditary and congenital conditions with the Whole Pet option. On top of that, their reimbursement options are limited, and they have an upper age limit of 10 years old.
5. Pets Best
Pets Best is another option that gives you the good value. You can findsome of the most comprehensive coverage at great prices. They have three reimbursement options at 70%, 80%, or 90%, and several deductible options ranging from $50–$1,000. Plus, they have no payout limits unless you choose their $5,000 annual limit option.
When you sign up, you have three tiers of dog and cat coverage to choose from:
Regardless of your choice, each plan comes with unlimited annual, behavioral, and euthanasia coverage. There are also two wellness plans covering routine care and an accident-only plan.
Pets Best offers a 5% discount for each additional pet, and you can receive another discount if you sign up for a policy through Progressive. Pets Best has no upper age limits either. The only problem is their long claims processing times.
6. Figo
Figo is number three on our list. We like Figo because you can choose reimbursement options at 70%, 80%, 90%, and even 100%. The deductibles range from $100–$750.
Figo offers three plans at annual coverage options of $5,000, $10,000, or unlimited. Plus, their essential coverage comes with behavioral and euthanasia coverage.
In addition, you can pay a little extra for lost pet advertising/award fees, boarding fees, pet theft, vacation cancellation, and third-party property damage. You can choose wellness coverage also.
A nice thing about Figo is that they might cover pre-existing curable conditions if the pet hasn’t shown symptoms in the last 12 months. You also don’t have to worry about an upper age limit.
Your policy price will creep up if you create a highly customizable plan. You can avoid this by only purchasing the services you know or think you might need.
7. ASPCA
ASPCA is number four on our list. They cover accidents and illness, hereditary and congenital conditions, behavioral health, and dental disease in their base coverage. You have the choice between 70%, 80%, or 90% reimbursement, and a $100, $250, and $500 deductible. This option is quite affordable, even if you have multiple pets.
Unfortunately, ASPCA doesn’t offer unlimited annual coverage or wellness coverage. They have a 30-day reimbursement waiting period. But they have accident-only coverage and offer a generous multi-pet discount of 10% discount.
8. MetLife (Formerly PetFirst)
Metlife offers three-tiered plans, or you can customize your plan to fit your budget. Each plan has basic accident and illness coverage with the option of adding wellness coverage for an additional cost.
We don’t like that they have an annual payout limit of $10k, and they don’t have an accident-only plan. The plans that they do offer are a little pricey, too. But you have four deductible options between $50–$500 and can earn 70%, 80%, or 90% reimbursement. And if you’re a veterinary professional, you can get another discount.
Overall, MetLife’s orthopedic coverage is what stands out the most. They offer coverage for knee and spine injuries in their base coverage. They also have fast claims processing times and will cover exam fees. We recommend MetLife if your dog has orthopedic issues.
9. Prudent Pet
Number eight on our list is Prudent Pet. What we like about Prudent Pet is their 24/7 vet chat. Regardless of your coverage option, all customers get access to this perk. We think that’s a huge plus considering many Wyoming dwellers live in small towns and hike.
Prudent Pet offers three tiers of coverage to choose from: accident-only, essential, and ultimate. However, you can customize these options to fit your budget. Prudent Pet starts each option with a $500 deductible and 80% reimbursement. You can change the deductible from $100 to $1,000, and the reimbursement can be 70%, 80%, or 90%. With accident-only coverage, you get annual coverage but still get access to the 24/7 online vet.
Essential and Ultimate coverage offers the same comprehensive coverage for accident and illness. The only difference is that the Ultimate option offers unlimited annual coverage- Essential only covers up to 10k.
Overall, we really like Prudent Pet. They have fast claims processing, offer boarding and lost pet coverage, and have a generous 10% multi-pet discount. They even cover alternative therapies if your veterinarian recommends them. What we don’t like is the price. Prudent Pet’s monthly cost is expensive compared to the other options on this list. Even their wellness coverage add-on is pricey.
10. HealthyPaws
Healthy Paws is last on our list. They have standard accident and illness coverage and use smartphone-based claims submissions, so you and your vet’s office don’t have to deal with claims forms. Just upload the photo of the vet bill onto the Healthy Paws app and wait for approval. Claims only take about 2 days to process.
Healthy Paws only offers one customizable plan. You can choose between 70% or 80% reimbursement and a $250 or $500 deductible. Options are limited, but you get unlimited annual coverage no matter what you choose.
This company can get expensive if you have multiple pets, and here’s a one-time $25 fee when you sign up.
Buyer’s Guide: Choosing the Right Insurance Provider In Wyoming
What to Look for in Pet Insurance (for Cats, Older Dogs, Etc.)
Policy Coverage
All pet insurance policies have comprehensive coverage for accidents and illness.
This can include:
How much of these are covered depends on the insurance company. For example, many insurance companies cover prescriptions, but one company might exclude prescription food.
Wellness
Accident and illness coverage differs from wellness treatments because you can expect a wellness fee. Wellness includes annual exams, vaccines, routine blood work, and preventative medicine. A lot of pet insurance companies are offering wellness as an add-on these days. Still, most insurance companies don’t offer wellness in their base plan. If you want wellness coverage, look for a company with at least a wellness add-on.
Behavioral and Alternative
Some companies cover alternative, rehabilitative, and behavioral care in their essential coverage. Other pet insurance companies offer it as an add-on for an additional cost. And some companies don’t offer it at all.
If these are services your pet needs, look for a company that offers them in the base coverage or at least at an additional cost.
Hereditary and Congenital Conditions
Hereditary refers to conditions brought on by breed genetics. For example, a German Shepherd is prone to hip dysplasia, so the condition is considered hereditary. Congenital conditions are ailments present at birth. This could be deafness, blindness, neurologic defects, skeletal defects, and anything else that the dog is born with.
Most pet insurance companies offer hereditary and congenital conditions in their base coverage. However, a few companies require an extra fee for these conditions to be covered.
If you have a purebred dog, you definitely want coverage for hereditary and congenital conditions. Physical ailments are likely to occur as your dog ages, and you want to make sure your dog is covered.
Accident-Only
Accident-only plans cover broken bones, toxic ingestions, lacerations, and other accidents you can’t plan for. Anything that goes into treating the accident is covered like diagnostics, surgery, and prescriptions.
If you don’t want comprehensive coverage and just want accidents covered, look for a company that offers an accident-only plan. They won’t cover illness, but it gives you peace of mind without spending too much money per month on services you may never use.
Annual Coverage
Annual coverage is the amount of coverage you can receive for your pet per year. This is otherwise known as a payout limit.
Suppose your insurance policy states you have a 10K annual coverage limit. In that case, the insurance company will only pay up to $10,000 for your pet. Once you reach that limit, the insurance company won’t cover anything else.
Payout limits look different for each company and policy. Some companies offer several payout limits, and some only offer a 10k and unlimited payout limit.
For first-time buyers, we recommend a 10K payout limit. As time goes on, you’ll know if your dog needs unlimited coverage or not.
Customer Service & Reputation
So, what does good customer service look like with pet insurance? It’s not too different from other insurance companies. You want a company that handles claims promptly. They should have several options to reach out for help. Any changes to your policy are communicated efficiently, and disputes are handled with care and patience. Ultimately, your insurance company should give you peace of mind.
Claim Repayment
Every pet insurance company has different claims processing times. Some companies will reimburse you in 24 hours, and other companies can take up to 30 days. Waiting periods are necessarily a make-or-break deal, but they can be inconvenient.
You also have to consider how claims are submitted. Some companies keep it simple and do email or fax. Other companies allow you to take pictures and submit your claim via an app. These details are minor but make a huge difference when you’re in the middle of dealing with a sick pet and balancing life. So, think about what would help you stay stress-free in this situation.
Price Of Policy
Pet insurance costs about $50 per month for dogs and $28 per month for cats. These numbers vary from one company to another, and several factors influence policy pricing including:
- Location
- Coverage add-ons
- Pet species
- Pet breed
- Pet age
- Deductible and reimbursement rates
Insurance companies also determine prices based on what perks they offer. For example, Trupanion has higher monthly rates because they don’t offer discounts and other perks that cost the company money.
Dogs will always have a higher insurance cost for accident and illness coverage than cats because they’re more likely to have an accident or get sick. Prices increase even higher when the animal is older and larger.
Plan Customization
We have found that the best pet insurance companies have comprehensive accident and illness coverage with customizable options and monthly rates. Customizing your plan lets you stay within your budget and prevents you from paying for services you’ll never use.
FAQ
What’s Considered an Accident for Pet Insurance?
An accident entails a laceration, toxic ingestion, foreign object ingestion, UTIs, leg injuries, and anything that can’t be planned. Tests and surgeries related to that accident are usually covered unless you exceed a payout limit.
Will Pet Insurance Cover an Existing Condition?
Pet insurance companies don’t cover pre-existing conditions. However, some may offer an exception if the pet shows no symptoms within a specific period.
Can I Get Pet Insurance Outside the United States?
You’ll need to find pet insurance that offers coverage in your area. Many U.S. pet insurance companies only provide coverage in the U.S. The only difference is if you travel outside the country for vacation. The best thing to do is talk to your provider and see if they’re willing to continue coverage if you’re planning an extended stay outside the U.S.
Will I Get to Choose My Vet?
Yes! Pet insurance companies typically let you choose a vet, but there are always exceptions. If you have pet insurance through an employer, that might prohibit you from choosing your own vet. The best thing you can do is check the FAQ section of the company you’re interested in.
What Is the Best And Most Affordable Pet Insurance?
We feel Pets Best and Figo are the best options for the money. Overall, Pets Best’s rates are slightly better. Both companies offer great rates, customizable options, and no payout limits.
What if My Insurance Company Is Not Listed in Your Reviews?
Feel free to choose whichever pet insurance company you feel keeps your pet healthy and safe at the best rates. We only want to provide options to make the shopping phase easier.
What the Users Say
So, is it worth getting pet insurance in Wyoming? We think so! As long as it saves you money and gives you peace of mind.
Every pet owner who’s purchased pet insurance agrees that the benefits of pet insurance should outweigh the cost. Don’t get stuck paying for something you never use or need. It’s also important to consider your pet’s age. As your pet ages, your policy rates increase.
A good way to avoid paying for more than you’ll need is to cut out wellness coverage and pay for accident and illness coverage only. To make prices even cheaper, go with accident-only coverage to start out. You won’t get coverage for illnesses like cancer, but at least you’ll have coverage if your dog breaks a leg.
Which Pet Insurance Provider Is Best for You?
Our favorite pet insurance provider on this list is Nationwide, and for good reason. Wyoming has the highest percentage of pet ownership in the country. Most of these pets are cats and dogs, but this also includes exotics. Nationwide covers the most animal species of any pet insurance company. They have excellent customer service, good rates, and fast claims processing times.
But this doesn’t mean you have to choose Nationwide. Go with the company you feel is best for you and your pet. You want coverage for the things you know you’ll need and coverage for the just-for-when moments. The best insurance provider for you is a provider that fits your budget, has great customer service, and has no headaches with claims processing.
If you don’t know if you’ll need coverage for something, it’s okay to say no! You can always make changes later.
Conclusion
Let’s do a quick recap.
Fetch is our favorite company overall because they offer great plans and wide variety of discounts. Trupanion is our next best option. They have excellent rates, and cover the basics plus a few extras.
Overall, we highly recommend any of the insurance companies we’ve listed for you today. All of them have pros and cons, you just have to decide which pros and cons list speaks to you the most.
Featured Image Credit: FamVeld, Shutterstock
