Best Pet Insurance in Nebraska (NE)

In our review of pet insurance companies in Nebraska, Lemonade came out on top for its affordable coverage, charitable initiative, discount options, and helpful wellness add-ons. Pet parents looking for plans at a fair price with extra perks may find Lemonade to be a good option.

• Our score: 96
• Multiple discounts available: 10% off for bundling with other insurance products such as Lemonade homeowners insurance or Lemonade renters insurance, 5% off for insuring multiple pets, and 5% off for paying annually
• Wide range of available coverage caps, with choices ranging from $5,000 to $100,000
• Customizable add-ons include wellness and preventive care, exam fees, and physical therapy

Lemonade did lose a few points in our rankings because of its lower than average rating from the Better Business Bureau. However, most dissatisfaction comes from customers under its homeowners or renters policies, not pet owners.

Lemonade offers a standard accident and illness plan that covers incidents such as:

• Broken bones
• Internal or external injuries
• Toxic ingestions or blockages
• Hospitalization or surgery
• Specialist care
• Prescription medications

However, all of Lemonade’s plans come with exclusions that apply to preexisting conditions, cruciate ligaments before the six month waiting period, spaying and neutering for pets over 2, and dental illness.

Lemonade’s pet-friendly add-on coverage options include:

• Preventive care for routine costs such as wellness exams, vaccinations, and blood tests
• Physical therapy for prescribed treatments like acupuncture and chiropractic care
• Vet visit fees for costs associated with eligible accidents and illnesses

Based on the quotes we received, we found that Lemonade’s monthly pet health insurance premiums in Nebraska fell between $18 and $25 per month for dogs and between $11 and $16 per month for cats.

Spot’s customizable coverage makes it one of our top recommendations for pet insurance coverage in Nebraska. Spot gives customers seven choices for annual coverage caps ranging from $2,500 to unlimited as well as five annual deductibles between $100 and $1,000.

• Our score: 91
• Coverage of therapeutic diets and nutritional supplements
• No recent vet exam requirement for coverage
• Reimbursement rates ranging from 70% to 90%

Spot has an accident plan that provides coverage for treatment related to injuries, swallowed objects and toxic ingestions. The company’s accident and illness plan includes coverage in the accident plan as well as reimbursement for illnesses and chronic conditions, including cancer, hip dysplasia, diabetes, and respiratory infections.

The accident and illness plan also reimburses you for alternative therapies like acupuncture and chiropractic care and treatment of behavioral issues. Customers can select one of the following annual coverage limits: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, and unlimited.

Reimbursement rates range from 70% to 90% and Spot offers five deductible amounts between $100 and $1,000.

If you want coverage for routine care, Spot has two optional preventive plans. The basic plan includes up to $250 in annual reimbursement for wellness-related services like dental cleanings, an annual exam, and a fecal test. The more comprehensive preventive policy has an annual coverage cap of $450 and includes items not covered under the basic plan, such as flea and heartworm prevention, a blood test, and urinalysis. The basic plan costs $9.95 per month while the top-tier plan is $24.95 per month.

Using Spot’s online quote tool, the cost to cover adult dogs in Nebraska ranges from approximately $12 to $96, depending on the deductible, reimbursement rate, and coverage cap you select. The cost to cover cats is between $8 and $70.

With a vet finder tool, user-friendly app, microchip implant coverage, and online resources about various pet breeds, ASPCA is a great option for first-time pet parents.

ASPCA Pet Health Insurance offers two pet insurance plans: Accident-Only and Complete Coverage. The Accident-Only plan only covers accidental injuries like sprains, broken bones, and toxic ingestions, while Complete Coverage includes accidents and illnesses. The comprehensive plan provides reimbursement for hereditary conditions, cancer, digestive problems, and hip dysplasia, among other issues.

ASPCA Pet Health Insurance has two optional preventive care plans for more routine care like dental cleanings, annual wellness exams, and fecal tests. Both plans cover the same services but at different annual caps. The Basic Plan will reimburse you up to $250 per year and the Prime Plan has a $450 annual reimbursement limit.

ASPCA plans for adult medium-sized dogs in Nebraska run from about $22 to $43 per month, according to the instant quotes through the company’s website. The cost to cover a cat is between approximately $12 and $40 per month.

For customizable deductibles and coverage caps to fit any budget, as well as discounts for healthy pets that accrue each year, Embrace may be an excellent choice for a pet insurance group in Nebraska.

• Our score: 93.5
• Healthy Pet Deductible credits $50 toward policyholder’s deductible for each year without filing a claim and can accrue up to a $0 deductible over time
• Coverage includes some preventable conditions competitors exclude: Lyme disease, parvo, and parasites
• Standard plan offers five deductibles to customize how much you’ll pay before coverage applies in an emergency: $200, $300, $500, $750, and $1,000

In our findings, we noted that Embrace has more limited options for how and when to contact customer service than other providers, with limited phone hours available to policyholders.

Embrace offers one accident and illness plan that covers costs that arise from issues like:

• Cancer diagnosis and treatment methods
• Dental trauma
• Genetic and chronic conditions
• Hospitalization, surgery, and emergency care
• Prescription drugs
• Physical therapy
• Diagnostic tests including allergy testing, MRIs, and CT scans

The wellness add-on this provider offers includes coverage for costs such as pet activity monitors, training, nail trimming, grooming, and microchipping.

Embrace plans exclude DNA cloning or testing, deliberate injury, cosmetic and elective procedures, and costs from breeding.

Based on our quotes during the research process, Embrace policies for Nebraska pets cost from $25 to $50 each month for dogs and $19 to $32 each month for cats.

If pet parents are seeking unlimited coverage caps built into every plan, a long history of charity for pets in need, and over 12 years of experience insuring pets, Healthy Paws may be an attractive choice.

• Our score: 93.5
• Each quote filled out provides a donation toward supporting the health and housing of homeless pets
• The site’s unique comparison tool will suggest other top providers if it deems Healthy Paws’ quote abnormally high
• According to the company’s site, most claims are processed within two days of filing

Healthy Paws was deducted points in our ratings for its lack of customization for some older pets, who may be given fixed deductibles and reimbursement rates.

Healthy Paws offers just one accident and illness plan that covers expenses for items including:

• Diagnostic testing and imaging
• Chronic conditions such as allergies
• Surgery
• Hospitalization and specialist care
• Chronic, congenital, and hereditary conditions
• Prescription medications

This plan excludes several items from coverage, like pre-existing conditions, routine and preventive care costs, office visit costs, exam fees, and spaying or neutering.

No add-on coverage is available through Healthy Paws policies.

According to the quotes we received during our secret shopping process, Healthy Paws plans in Nebraska run between $39 and $64 per month for dogs and between $21 and $25 per month for cats.

If pet parents are looking for more holistic pet health care that covers naturally-based treatment options and an option for unlimited coverage, Fetch may be an ideal provider for their four-legged family member.

Learn More: Fetch Pet Insurance Review

• Our score: 91.5
• Unique discounts include 10% off for licensed medical service animals as well as 10% off for pets adopted from a shelter or rescue
• Up to $1,000 per policy year for telehealth veterinary visits, giving pet parents the option to care for their furry friends straight from home
• Only provider on this list whose standard policy covers dental illness as well as dental injuries

Our Reviews Team took points from Fetch due to the significant differences in policy costs for larger and smaller dogs, making it difficult to predict pricing from pet to pet.

Fetch offers one accident and illness plan that covers costs like:

• Diagnostics and imaging, including X-rays, ultrasounds, CAT scans, and MRIs
• Costs for boarding kennel fees if you are hospitalized
• Prescription medications
• Expenses from sick visits and exam fees
• Treatment for chronic and hereditary conditions
• Specialist care and referrals
• Treatment for breed-specific conditions
• Cancer diagnosis and treatment
• Advertising and reward for lost pets

Fetch’s coverage excludes costs incurred from preexisting conditions, and cosmetic or elective procedures.

During secret shopping for pet insurance quotes in Nebraska, we found that Fetch’s monthly premium prices run between $32 and $52 per month for dogs and between $27 and $33 per month for cats.

With unlimited coverage options, benefits that extend beyond the vet’s office to items like lost pet advertising and vacation cancellation, and some of the highest-rated customer service in the pet industry, Prudent Pet may be an excellent choice for pet parents seeking comprehensive coverage that goes the extra mile.

• Our score: 93.5
• 24/7 vet chat gives pet parents a convenient way to get an expert opinion on issues with their pet
• Both the Essential and Ultimate plans provide coverage for behavioral treatment, which is not always covered under other providers’ policies
• Three plans and two add-on options offer flexible, individualized coverage

However, Prudent Pet was docked a few points in our review for its prices, which can run higher than competitors for similar plans.

With the largest range of plans on this list, Prudent Pet offers coverage at three levels that range from minimal to comprehensive. These three plans are:

• Accident-Only plan: As the name suggests, this plan covers only accidents and emergency costs like surgery, hospitalization, bite wounds, oral injuries, broken bones, prescription medication, and prescribed alternative therapies.
• Essential plan: The Essential plan covers all items included in Accident-Only and extends benefits for illnesses as well, such as cancer diagnosis and treatment, hereditary and congenital conditions like heart defects, behavioral problems, hip dysplasia and cruciate ligaments after the waiting period, and conditions in the eyes, ears, and skin.
• Ultimate plan: For Prudent Pet’s highest level of coverage, all of the benefits and costs in the Accident-Only and Essential plans are covered, along with extra benefits like increased behavioral coverage, advertising and reward costs for lost pets, boarding fees in the event of the pet owner being hospitalized for more than four days, replacement costs for stray or lost pets, mortality benefits for end-of-life expenses, and more.

All of these Prudent Pet plans exclude coverage for breeding, whelping, or pregnancy-related expenses, preexisting conditions, and cosmetic or elective procedures.

Prudent Pet also offers add-on choices for vet exam fee coverage as well as preventive care costs.

Based on quotes we received in our research, Prudent Pet’s monthly coverage costs can range between $19 and $82 for dogs and from $11 to $38 for cats. Since Prudent Pet has three tiers of plans, the coverage level you select will significantly affect your cost per month, with Accident-Only affording the lowest cost and Ultimate being the most expensive.