Here’s a breakdown of how we reviewed and rated the best pet insurance companies
The listings that appear are from companies from which this website may receive compensation, which may impact how, where and in what order products appear. Not all companies, products or offers were reviewed in connection with this listing.
What’s the Best Pet Insurance in Indiana?
Our top-recommended pet insurance provider in Indiana is Pets Best, which combines affordable premiums with excellent coverage variety, according to our research. Based on our provider review methodology, here are our picks for the best pet insurance companies for Indiana residents.
The Best Pet Insurance Companies in Indiana Reviewed
After a thorough examination of the cost data and customer reviews, we selected Pets Best as the top pet insurance option for Indiana pet owners. Read on to learn about all four of the top providers.
Pets Best tops our overall rankings of pet insurance providers thanks to its wide range of coverage options and flexible annual coverage limits and deductibles. It also happens to be the cheapest pet insurer in Indiana, according to our cost data.
We also like that Pets Best offers vet-direct pay. This means that an approved claim will result in payment to your veterinarian at the time of service, eliminating wait times for reimbursement.
Cheapest average pet insurance rates in Indiana
Offers vet-direct pay, reducing your upfront expenses
Customizable coverage includes a broad selection of deductible and annual limit options
Limited alternative therapy coverage compared to other providers
Exam fee coverage only included on more expensive plans
Pets Best features three levels of accident and illness coverage and one accident-only plan. Across all pet insurance plans, the average cost of Pets Best coverage in Indiana is $21. The company’s accident-only coverage costs an average of about $8 per month.
Preventative Care Plans
Pets Best customers who want coverage for preventive care will need to purchase a wellness plan add-on to their accident and illness (or accident-only) coverage. The table below shows how much you’ll be reimbursed for various services under each wellness plan option.
| Service Covered | EssentialWellness | BestWellness |
|---|---|---|
| Wellness Exam | $50 | $50 |
| Microchip | $20 | $40 |
| Vaccination or Titer | $45 | $55 |
| Diagnostic Panel | $90 | $125 |
Based on the quotes we gathered, the EssentialWellness plan could add $19 per month, and the BestWellness plan could increase your monthly Pets Best premium by $29.
The listings that appear are from companies from which this website may receive compensation, which may impact how, where and in what order products appear. Not all companies, products or offers were reviewed in connection with this listing.
With 4.6 out of 5 stars, Lemonade is an affordable insurance option that will appeal to many Indiana pet owners. It offers a well-rounded and convenient digital experience, allowing users to file claims and manage their policies using AI-powered tools. Lemonade offers flexible policy options and comparatively affordable coverage, based on our review, making it a solid option for pet owners on a budget.
Costs less than some other competitors we reviewed in Indiana
Offers specialized routine care plans for young animals
Provides discounts when customers bundle pet coverage with a Lemonade homeowners insurance policy
Does not offer comprehensive coverage in its base plan, unlike other competitors we reviewed
No unlimited annual coverage option
The average cost of a Lemonade pet insurance policy in Indiana is $32 per month, lower than the state average of $35 per month. Lemonade offers one type of accident and illness plan that covers the following:
- Diagnostics
- Emergency care
- Hospitalization
- Lab work
- MRIs and CT scans
- Prescription medication
- Surgery
- Ultrasounds
- X-rays
Embrace offers optional wellness plans that cover unique services competitors won’t, such as grooming and dental cleaning. Budget-conscious pet parents might also consider Embrace — you can save by enrolling more than one pet, and active and former military members can save up to 5%. The company also has a savings program that discounts premiums up to 10% if you keep your policy’s annual reimbursements under $300.
Offers an option for unlimited coverage
Covers dental disease and mental health problems without requiring add-ons
Has a relatively short accident waiting period of two days
Imposes a six-month waiting period on orthopedic conditions
Does not cover prescription drugs without an add-on
The average price of Embrace pet insurance in Indiana is $31 per month. Embrace offers an accident and illness policy that covers standard services such as diagnostic testing, emergency care and surgery. Coverage also includes behavioral therapy and prosthetic limbs and devices.
Embrace excludes pre-existing conditions and organ transplants from coverage, which is standard across the providers we reviewed. It also does not cover boarding or prescription medication without an add-on.
Customers with Embrace can choose from two levels of wellness coverage with benefits between $300 and $700 annually. Customers can also purchase add-on protection to cover exam fees or prescription drugs.
After reviewing multiple pet insurers, we found it very rare for providers to offer 100% reimbursements on eligible pet care costs. Figo, which we gave 4.7 out of 5 stars, offers full reimbursement on eligible costs when you choose a $500 or $1,500 deductible.
The company’s comprehensive policies also cover costs related to euthanasia and prescription medications. While it requires higher deductibles to access more affordable rates, coverage through Figo may still be a worthwhile option for customers seeking wide-reaching coverage and higher reimbursements.
Offers unlimited coverage options
Allows you to choose a 100% reimbursement rate
Has a one-day waiting period for accidents, shorter than most on our list
Requires a minimum $500 deductible to access a 100% reimbursement option
Deductibles vary based on your pet’s age
Based on our research, the average price of a Figo pet insurance policy in Indiana is $36 per month. Figo has an accident and illness plan with comprehensive coverage of related services and conditions. The company’s exclusions list is pretty standard, and plans don’t cover preventative dental care or procedures that they deem elective or cosmetic. Figo also offers an add-on for vet exam fees and two types of wellness plans.
How We Ranked the Best Pet Insurance Providers in Indiana
We thoroughly researched 22 companies to see which ones offer the best pet insurance plans for Indiana pet parents. Those with low costs and more coverage options scored higher, while those with more restricted plans ranked lower. Our team also considered factors such as claims processing, customer service and coverage flexibility when ranking providers. In addition, we surveyed 1,000 pet owners in our 2025 survey to gauge what Indiana residents valued most in a pet insurance plan.
To compare costs, we gathered 349 quotes using sample pet profiles for dogs and cats in Indiana. Dog cost data was determined by averaging quotes from providers for a 3-month-old mixed-breed puppy; a 1-year-old medium-sized mixed-breed dog; a 2-year-old golden retriever; a 5-year-old medium-sized mixed-breed dog; and an 8-year-old small mixed-breed dog.
We determined cost data for cats by averaging sample quotes for a 3-month-old kitten, a 1-year-old shorthair cat, a 2-year-old Siamese cat, a 5-year-old mixed-breed cat, and an 8-year-old domestic shorthair cat.
You can learn more about how we arrived at our rankings by reviewing our ratings methodology and editorial process.
Compare the Top Pet Insurance Providers in Indiana
The best pet insurance for your pet depends on its unique characteristics and health care needs. Explore a few of the top insurance providers using the table below.
The listings that appear are from companies from which this website may receive compensation, which may impact how, where and in what order products appear. Not all companies, products or offers were reviewed in connection with this listing.
| Company | Monthly Cost | Star Rating | Accident Waiting Period | BBB Rating | |
|---|---|---|---|---|---|
|
$17 to $24
|
|
0 days (may vary by state)
|
D-
|
||
|
$17 to $46
|
|
48 hours
|
B-
|
||
|
$22 to $39
|
|
48 hours
|
A+
|
||
|
$26 to $47
|
|
1 day
|
B
|
| Company | BBB Rating | Monthly Cost | Star Rating | Accident Waiting Period | |
|---|---|---|---|---|---|
|
D-
|
$17 to $24
|
|
0 days (may vary by state)
|
||
|
B-
|
$17 to $46
|
|
48 hours
|
||
|
A+
|
$22 to $39
|
|
48 hours
|
||
|
B
|
$26 to $47
|
|
1 day
|
How Much Does Pet Insurance Cost in Indiana?
The price you pay for a pet insurance policy in Indiana will vary depending on numerous factors insurers consider to help determine your pet’s relative risk. For example, if you have an older pet, insurers will typically consider it more likely you will need to file a claim to cover its care, which then translates to higher premiums. You may also pay more for coverage due to your location, the relative levels of vet care costs in your area, and your selected coverage limits.
We calculated the average cost of pet insurance by gathering quotes from 22 pet insurance providers using 10 sample pet profiles. Sample pet profiles include mixed-breed and purebred dogs and cats, ranging from three months old to eight years old.
While the table below includes a summary of our findings, we recommend requesting personalized quotes to get a more precise estimated cost.
| Provider | Average Cost for Dogs | Average Cost for Cats | Average Cost |
|---|---|---|---|
| ASPCA | $39 | $19 | $29 |
| Embrace | $39 | $22 | $31 |
| Fetch | $34 | $25 | $29 |
| Figo | $47 | $26 | $36 |
| Hartville | $42 | $18 | $30 |
| Lemonade | $46 | $17 | $32 |
| Liberty Mutual | $52 | $29 | $41 |
| MetLife | $45 | $24 | $36 |
| Paw Protect | $56 | $29 | $43 |
| Petco | $42 | $22 | $32 |
| Pets Best | $24 | $17 | $21 |
| Pumpkin | $82 | $38 | $60 |
| Spot | $43 | $21 | $32 |
| VCA CareClub | $54 | $35 | $44 |
| AKC Pet Insurance | $37 | $22 | $29 |
Cost of Unlimited Pet Insurance Indiana
| Provider | Average Cost for Dogs | Average Cost for Cats | Average Cost |
|---|---|---|---|
| Embrace | $45 | $32 | $38 |
| Figo | $73 | $41 | $57 |
| Healthy Paws | $48 | $21 | $35 |
| Paw Protect | $73 | $40 | $57 |
| Pets Best | $26 | $19 | $22 |
| Prudent Pet | $98 | $51 | $74 |
| Pumpkin | $82 | $41 | $67 |
| Spot | $85 | $39 | $62 |
| Trupanion | $106 | $58 | $82 |
| VCA CareClub | $56 | $39 | $48 |
What’s the Cheapest Pet Insurance in Indiana?
We found that Pets Best is the most affordable pet insurance provider in Indiana. Our research revealed that the average price of pet insurance in the state is $35 per month, while the average price of Pets Best coverage is $21.
| Company | Average Cost | Savings vs State Average |
|---|---|---|
| Pets Best | $21 | 41% |
| Fetch | $29 | 18% |
| ASPCA | $29 | 16% |
| AKC Pet Insurance | $29 | 16% |
| Hartville | $30 | 14% |
| Company | Average Cost | Savings vs State Average |
|---|---|---|
| Pets Best | $24 | 46% |
| Fetch | $34 | 27% |
| AKC Pet Insurance | $37 | 20% |
| Embrace | $39 | 15% |
| ASPCA | $39 | 14% |
| Company | Average Cost | Savings vs State Average |
|---|---|---|
| Pets Best | $17 | 30% |
| Lemonade | $17 | 29% |
| Hartville | $18 | 25% |
| ASPCA | $19 | 20% |
| Spot | $21 | 16% |
How To Choose the Best Pet Insurance in Indiana
With so much information available about pet insurance providers, customers may find it difficult to decide on a provider. You can better assess a company and what it offers by focusing on these factors:
- Coverage and plan type: There are two major types of pet insurance policies: accident-only plans and accident and illness policies. Accident-only plans only cover veterinary bills associated with sudden, unpredictable accidents, like if your pet is struck by a car. Accident and illness policies cover both sudden accidents and illnesses that develop over time, such as cancer. Consider both coverage and pricing when deciding which type of plan is best for your pet.
- Policy fine print: After getting a quote, review a sample contract or read through the policy’s details in full. We recommend paying close attention to coverage exclusions and familiarizing yourself with the claims process.
- Coverage customization: Many pet insurance companies we reviewed allow you to customize coverage by adjusting deductibles, coverage limits and add-ons. As you collect various quotes, you can experiment with each provider’s customization choices and explore how changing these variables affects pricing.
- Customer satisfaction: Customer reviews and current policyholder testimonials on platforms such as Trustpilot and the Better Business Bureau can offer insights about a provider. You can even try calling the customer support lines to ask any questions you have. If you encounter long wait times or do not like the service you receive, you may consider it a red flag.
Not all pet insurance companies have policies available nationwide as insurance laws vary from state to state. To make the most informed decision, we recommend getting a quote from at least three of our top pet insurance providers in Indiana before choosing coverage.
Is Pet Insurance Worth It in Indiana?
If you could struggle to cover the cost of an unexpected vet bill, you might find a pet insurance policy worth the money. The average pet owner in Indiana with pet insurance could save an average of $300 a year on veterinary care costs.
Our top recommended pet insurance provider in Indiana is Pets Best, thanks to its affordable rates and flexible coverage options. Lemonade, Embrace and Figo are other good choices for quality coverage at competitive prices in the state.
We recommend getting a quote from at least three providers to compare rates and ensure you get adequate coverage at a fair price.
Pet Insurance in Indiana: FAQ
Below, we answer some common questions about finding the best pet insurance in Indiana:
Pet insurance companies take about two weeks to process pet insurance claims, based on our research. If a quick claims process is a high priority, you should consider a company such as Healthy Paws, which processes most claims within two business days.
Pet insurance companies typically exclude routine care from coverage unless customers purchase it as an add-on. Most of the pet insurance companies on our list offer routine care options for coverage for an added monthly fee.
Pet insurance companies typically exclude pre-existing conditions, cosmetic surgeries and routine care. However, some offer add-ons to cover excluded items such as wellness care or veterinary exam fees. You can review your individual coverage schedule to learn more about when you qualify to use your coverage.
