Best Pet Insurance in Indiana (IN) in 2024

We’ve chosen Lemonade pet insurance as the best overall pet insurance company for Indiana pet parents thanks to its competitive prices, generous coverage, and comprehensive add-on options.

Learn More: Lemonade Pet Insurance Review

• Our score: 96
• Charitable giveback program gives up to 40% of your unclaimed premium money to a charity of your choice (some of your premium money goes to the company’s operational costs, while some goes toward charity)
• Offers premiums up to $100,000, which is suitable for pets with more medical needs
• Puppies and kittens less than 2 years old have extra options for preventative care

Lemonade’s baseline plan covers your pet for most accidents and illnesses, including costs for injections, prescription medications, hospitalizations and surgeries, outpatient and emergency care, and diagnostics such as CT scans, urinalysis, X-rays, blood tests, and ultrasounds.

For add-on coverage, the preventative care option includes routine care costs for services such as blood tests, three vaccines per year, heartworm testing, and a wellness exam. Other add-on options include vet visit fees and physical therapy.

None of Lemonade’s plans or add-ons cover pre-existing conditions, behavioral treatments, dental illness, or spaying and neutering for pets older than 2 years old.

Spot is a top choice for pet owners in Indiana looking to purchase a highly customized policy based on their needs and budget by selecting from seven annual coverage limits, since it offers more options than most competitors.

Learn More: Spot Pet Insurance Review

• Our score: 91
• Has a 24/7 telehealth line for all customers
• Includes a 30-day money-back guarantee with all policies
• Offers an accident-only plan for less expensive coverage on your pet’s injuries

For a cheaper pet insurance plan with coverage on your pet’s unexpected injuries, toxic ingestions, and other accidents, you can purchase Spot’s accident-only plan. However, if you want a more comprehensive pet insurance plan, you can sign up for its accident and illness plan that covers those accidents plus other conditions, such as chronic issues and cancer.

You can also get help paying for your pet’s preventative care treatments with Spot’s Gold and Platinum wellness plans. They each pay up to certain limits per covered treatment for things like vaccinations, annual checkups, and dental cleanings. The Gold plan comes with $250 per year of total coverage, and the Platinum plan comes with $450 per year.

ASPCA Pet Health Insurance is an ideal choice for new pet owners in Indiana. It provides a local vet finder on its website and extensive resources regarding pet ownership, pet breeds, and common health problems. Additionally, ASPCA offers unique coverage for services like microchipping and behavior issues in its standard plan.

Learn More: ASPCA Pet Insurance Review

• Our score: 89 out of 100
• Policies are underwritten by the Crum & Forster Pet Insurance Group, which has over 25 years of experience in the industry.
• Plans are highly customizable, allowing pet owners to choose from three deductibles, three reimbursement rates, and five annual limits.
• Curable conditions that remain treatment and symptom-free for 180 days are no longer considered preexisting conditions.

For an affordable, comprehensive accident-only plan, ASPCA Pet Health Insurance offers one that covers the costs for treating injuries and emergencies (relating to accidents) such as broken bones, cuts, bite wounds, swallowed objects, and torn ligaments.

ASPCA’s Complete Coverage plan (its accident-and-illness policy) covers the injuries mentioned above and treatment for diseases and conditions, including infections, allergies, hypothyroidism, digestive issues, cancer, breed-specific conditions, chronic conditions, behavioral issues, and more.

ASPCA’s wellness add-on covers the costs for routine care such as wellness exams, dental cleanings, vaccines, heartworm tests, and more. The add-on comes at two levels, Basic (covering up to $250 annually) and Prime (covering up to $450).

ASPCA does not cover cosmetic procedures, breeding costs, and preexisting conditions like other providers. However, if your pet was diagnosed with a curable condition and stays treatment and symptom-free for 180 days, ASPCA would not consider that condition to be preexisting.

For pet owners looking to customize their deductible and coverage cap, Embrace is a flexible option with five deductible price points offered.

Learn More: Embrace Pet Insurance Review

• Our score: 93.5
• Healthy Pet Deductible benefit credits your account with $50 toward your deductible for each year you go without filing claims
• Covers exam fees for veterinary visits
• Donates $2 from each policy to charity

Embrace’s accident and illness plan covers dental trauma, prescription medications, genetic and congenital conditions, allergies and other chronic conditions, diagnostic tests and procedures including lab tests, biopsies, CT scans, acupuncture, MRIs, ultrasounds, hospitalization, and surgery.

The wellness add-on covers additional costs for routine and preventative care such as microchipping, nail clipping, grooming, massages, prescription pet foods, chiropractic care, spaying and neutering, chiropractic classes, and burial costs. The plan comes at three pricing levels: up to $250, $450, or $650 covered annually.

Embrace will not cover pre-existing conditions, cosmetic or elective procedures, breeding, or deliberate injuries to your pet.

Healthy Paws is one of our top-rated providers thanks to its affordable prices for unlimited coverage, taking the stress out of expensive incidents for pet owners.

Learn More: Healthy Paws Pet Insurance Review

• Our score: 93.5
• No limits for per-month, annual, or lifetime coverage
• Every quote issued results in a donation from Healthy Paws toward ending pet homelessness
• Provides a 30-day money-back guarantee

A Healthy Paws pet insurance plan covers accidents and illnesses, with no choices for add-on coverage. This plan covers prescription medications, hospitalization, surgery, cancer treatment, X-rays, diagnostic testing, alternative treatment, specialty care, and more.

Healthy Paws does not cover pre-existing conditions, behavioral treatments, fees for exams or office visits, or expenses for preventative care.

Fetch’s inclusion of many types of treatments other policies leave out make it an excellent coverage option for natural remedies and alternative treatments.

Learn More: Fetch Pet Insurance Review

• Our score: 91.5
• Up to $1,000 of telehealth services covered for veterinary care
• Provides a 15% discount to customers with policies that are renewed after one year without filing a claim
• Offers a broad range of covered treatments, including hydrotherapy, homeopathy, stem cell therapy, laser therapy, and acupuncture

Fetch covers a broad scope of treatments and procedures. Its most notable difference from other pet insurance providers is its coverage for alternative therapies such as homeopathic remedies, acupuncture, stem cell therapy, laser therapy, and hydrotherapy. Its plan also covers fees for emergency veterinary services, exams, and telehealth vet services.

Fetch’s coverage also includes treatment for cancer, dental disease or injury, behavioral therapy, surgery, hospitalization, emergency and specialty care, and benefits such as advertising and reward fees for lost pets and vacation cancellation fees due to a pet’s illness.

Fetch does not cover cosmetic or elective procedures, pre-existing conditions, or routine or preventative care.

For an excellent pet insurance policy with a unique extra coverage add-on for help paying for things like third-party property damage caused by your pet, we recommend Figo.

Learn More: Figo Pet Insurance Review

• Our score: 93
• Has a 24/7 live vet chat available to all customers
• Features an impressive Figo Pet Cloud to help connect you to pet owners and pet-friendly locations in your area
• Provides an unlimited coverage option

Figo’s standard pet insurance plan includes coverage for accidents and illnesses, such as broken bones, cancer, toxic ingestions, chronic conditions, ligament issues, hip dysplasia, and congenital conditions. It pays for necessary treatments up to your choice of a $5,000, $10,000, or unlimited annual coverage cap.

The Extra Care Pack helps pay for lost-pet advertising and reward money, boarding fees, vacation cancellation fees, replacement costs of your pet, end-of-life expenses, and third-party property damage costs. Figo also offers optional coverage for vet visit and exam fees, in addition to wellness care coverage at two different coverage levels.