Best Pet Insurance in Minnesota (MN)

We recommend Spot to pet parents looking for the most customization options for their pet insurance plan to ensure they only pay for the amount of coverage they need.

Learn More: Spot Pet Insurance Review

For coverage on injuries, swallowed objects, toxic ingestions, and other unexpected accidents, you can purchase Spot’s accident-only plan. For more comprehensive coverage on accidents and illnesses like cancer, hip dysplasia, heart disease, and more, Spot offers its accident and illness policy.

Spot includes coverage for microchipping and exam fees, which some competitors exclude, but it doesn’t cover elective procedures, breeding issues, and preexisting conditions. For preventive care, Spot offers the Gold and Platinum plans with a total of either $250 or $450 of annual coverage on routine care treatments, such as deworming, a fecal test, vaccinations, a wellness exam, and dental cleaning.

Embrace offers accident and illness pet insurance policies with five deductible options and a unique diminishing deductible benefit called the Healthy Pet Deductible.

Learn More: Embrace Pet Insurance Review

Embrace’s pet insurance plan covers accidents and illnesses like dental trauma, congenital conditions, cancer, allergies, and more. It reimburses pet parents for necessary treatments, procedures, exam fees, and other costs, including diagnostics, hospitalization, surgery, and physical therapy. It doesn’t cover elective procedures, breeding and pregnancy-related issues, and preexisting conditions.

Embrace’s optional Wellness Rewards Plan pays for 100% of preventive care vet bills up to your chosen annual limit of $250, $450, or $650. Qualifying costs include routine vet visits, microchipping, prescription diet foods, teeth cleanings, grooming, and more.

Fetch Pet Insurance is a great option for pet owners who are looking for coverage for alternative therapies like acupuncture and chiropractic care or those want to be reimbursed for behavioral issues.

Learn More: Fetch Pet Insurance Review

Fetch Pet Insurance offers one plan that covers accidents and illnesses, including broken bones, cuts, toxic ingestions, hip dysplasia, and cancer treatment. Coverage extends to veterinary exams, emergency and specialty vet visits, diagnostic testing, dental issues, and surgeries.

Unlike most pet insurance companies, Fetch includes holistic and alternative treatments in its standard plan as well reimbursement for the treatment of behavioral issues.

Fetch does have several perks, including reimbursement of vacation cancellation fees related to your pet’s illness or injury. Fetch will also help pay for the cost of boarding your pet if you are in the hospital for more than four days.

Fetch has annual reimbursement limits of $5,000, $15,000, or unlimited and gives customers a choice of three deductibles: $250, $300, or $500.

If you are a first-time pet parent, ASPCA may be worth considering for pet insurance. The company has services and perks geared toward new cat and dog owners, including a tool for finding a local veterinarian and information on specific breeds and related conditions.

Learn More: ASPCA Pet Insurance Review

ASPCA has a basic plan that covers diagnosis and treatmenst related to accidental injuries like bites and broken bones. The company’s more comprehensive plan covers accidents plus a number of illnesses, including cancer and diabetes and certain chronic, hereditary, and congenital conditions. It excludes preexisting conditions.

Customers can add preventive care to their policies for either $9.95 or $24.95 per month. Both preventive care options include routine procedures like dental cleanings and wellness exams. The basic plan ($9.95) plan has a reimbursement limit of $250, while the Prime Plan ($24.95) comes with $450 of annual coverage.

Healthy Paws is a top-rated pet insurance provider that includes unlimited coverage caps with all policies typically at a lower cost than other providers’ unlimited coverage options.

Learn More: Healthy Paws Pet Insurance Review

Healthy Paws offers one accident and illness plan for coverage on treatments, procedures, and other costs like cancer treatment, X-rays, diagnostic tests, surgery, hospitalization, prescription medications, specialty care, alternative treatment, and more. It doesn’t have any coverage limits, so you’ll never owe money out of pocket during a claim aside from your deductible and copay.

Although Healthy Paws’ pet insurance plan is comprehensive, it doesn’t cover behavioral treatments, spay or neuter procedures, office visit or exam fees, preexisting conditions, and hip dysplasia during the first 12 months of the policy. It also doesn’t offer any preventive care options like many competitors do for additional coverage on routine care.

Prudent Pet is an ideal choice for pet owners who want a comprehensive plan that covers extra reimbursements for lost-pet advertising money, vacation cancellation fees, and a few other items.

Learn More: Prudent Pet Insurance Review

Prudent Pet offers three plans: Accident-Only, Essential, and Ultimate. The Accident-Only Plan covers up to $10,000 of vet bills per year for accident- and injury-related emergencies. The Essential Plan covers up to $10,000 of vet bills per year for both accidents and illnesses, including cancer, digestive illness, hereditary conditions, hip dysplasia, and more.

The Ultimate Plan covers everything in the Essential Plan, but it comes with unlimited annual coverage and includes reimbursement for lost-pet advertising and reward fees, vacation cancellation fees, boarding fees if you’re hospitalized for more than four days and need help caring for your pet, mortality costs that cover cremation or burial of a pet, and the replacement cost if your pet is lost or stolen.

You can also add coverage for vet exam fees and preventive wellness care. The preventative plan costs between $7 and $25 per month and comes with a total of $210, $315, or $460 per year for treatments like vaccinations, wellness exams, microchipping, and deworming.

Figo is our pick for pet insurance with add-on coverage options. The company provides a number of perks pet owners might find appealing such as reimbursement for cremation costs and lost-pet advertising. Additionally, Figo’s third-party liability insurance covers you against any lawsuits filed against you for damage your pet does to another person’s property.

Learn More: Figo Pet Insurance Review

While most pet insurance companies have one or two standard-coverage plans, Figo offers three: Essential, Preferred, and Ultimate. Each plan provides reimbursement for expenses from the diagnosis and treatment of accidental injuries, illnesses, and ongoing conditions. However, the three plans differ in terms of annual coverage caps.

The Essential Plan has a reimbursement limit of $5,000 and the Preferred Plan comes with a $10,000 limit. The Ultimate Plan does not have a coverage cap, which means you will not be denied reimbursement regardless of the cost of your allowable pet care expenses within a given 12-month period.

Coverage does not include any preexisting conditions, pregnancy- or breeding-related procedures or cosmetic surgeries like ear cropping.

Figo has two add-on packages covering some routine pet-health procedures. The Wellness Basic Plan is an additional $9.50 per month and comes with $135 in reimbursement for items like annual exams and spaying and neutering. At $16.50 per month, the Wellness Plus Plan covers all items included in the Basic plan, but with a higher coverage cap of $250.