Best Pet Insurance in Wyoming (2024 Guide)

Spot ranks high on our list for its customizable pet insurance plans. The provider gives pet parents the option of two base plans, five deductibles, and seven annual limit choices. Its base plans also cover some treatments other providers don’t. 

• Deductibles: $100, $250, $500, $750, $1,000
• Reimbursement options: 70%, 80%, 90%
• Maximum coverage limits: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, unlimited

Learn more: Spot Review

We ranked Spot as the provider with the most customizable plans, earning 91 out of 100. We like that it offers an accident-only plan in addition to the typical accident-and-illness plan, which can save you money if you only want accident coverage. We also gave Spot points for its two preventive care options, which cover routine wellness care, and its many options for deductibles and annual limits.

Embrace gives policyholders many ways to control what they spend. You can choose from five deductible options, plus receive a 10% discount for each additional pet policy you purchase, a 5% military discount, and a 10% employee discount if your employer offers Embrace. 

• Deductibles: $200, $300, $500, $750, $1,000
• Reimbursement options: 80%, 80%, 90%
• Maximum coverage limits: $5,000, $8,000, $10,000, $15,000, $30,000

Learn more: Embrace Review

We scored Embrace 93.5 out of 100. The company ranks highly for its discount offerings and customizable premiums. Embrace has a standard accident-and-illness plan, though it covers a few things some providers don’t, such as treatment for dental accidents and illnesses, pain management, and physical therapy. Preventive coverage is available as an add-on.

Healthy Paws offers unlimited coverage, so you never have to worry about exceeding a per-incident, annual, or lifetime payout. However, it doesn’t have as many choices for deductibles and reimbursement rates as other providers. 

• Deductibles: $250, $500
• Reimbursement options: 70%, 80%
• Maximum coverage limits: Unlimited

Learn more: Healthy Paws Review

We gave Healthy Paws a 93.5 out of 100. It offers unlimited coverage and a comprehensive accident-and-illness plan with no upper age limit. Healthy Paws doesn’t offer preventive care coverage, but it claims to have fast reimbursement turnaround times (fewer than three business days from claim approval). It also donates generously to non-profit pet organizations.

Fetch Pet Insurance is a popular choice for pet parents who want alternative therapy coverage for their pets. The base plan reimburses acupuncture, chiropractic treatments, homeopathy, and therapy for your pet’s aggression and anxiety. Most providers only offer this coverage as an add-on for an extra monthly fee. 

• Deductibles: $300, $500, $700
• Reimbursement options: 70%, 80%, 90%
• Maximum coverage limits: $5,000, $10,000, unlimited

Learn more: Fetch Review

We scored Fetch 91.5 out of 100. Though the company doesn’t offer routine care coverage, its accident-and-illness plan is more comprehensive than many other providers. In addition to covering the holistic therapies mentioned above, it provides up to $1,000 for lost-pet advertising and reward money, boarding fees if you’re hospitalized for more than four days, and vacation cancellation fees if your pet’s medical care requires you to reschedule a trip. Plus, the policy covers treatments for every tooth, not just your pet’s canine teeth.

Figo offers multiple ways to customize your policy and premium, with three accident-and-illness coverage levels, three add-ons, and four deductible and reimbursement rate options. The provider says it will also cover many curable preexisting conditions if your pet has gone 12 months without showing symptoms or receiving treatment.

• Deductibles: $100, $250, $500, $750
• Reimbursement options: 70%, 80%, 90%, 100%
• Maximum coverage limits: $5,000, $10,000, unlimited

Learn more: Figo Review

We scored Figo 93 out of 100, largely due to its extra coverage options. In addition to its competitive accident-and-illness base plan, you can choose from three add-ons called powerups. There’s one for routine wellness care, one for vet exam fees, and one that covers fees related to vacation cancellation, lost pets, and property damage.

Trupanion is the only pet insurance company on this list that pays its portion of your  vet bill directly at checkout. That means you won’t have to fill out any paperwork online or by mail and wait for reimbursement, which could take weeks.

• Deductibles: $0 to $1,000
• Reimbursement options: 90%
• Maximum coverage limits: Unlimited

Learn more: Trupanion Review

We scored Trupanion 89.5 out of 100. While direct payment and unlimited coverage are nice features, there’s no option for wellness coverage and the company doesn’t pay for exam fees. In addition to its accident-and-illness policy, Trupanion offers the following two options for extra coverage:

• Recovery and Complementary Care Rider: Get coverage for acupuncture, behavioral modification, chiropractic, homeopathy, hydrotherapy, naturopathy, physical therapy, and rehabilitative therapy.
• Pet Owner Assistance Package: This package covers advertising and reward costs for lost pets, boarding fees if you’re hospitalized, liability coverage if your pet causes third-party property damage, cremation or burial for deaths due to an accident, and vacation cancellation costs.

Wagmo emphasizes preventive coverage. It has three wellness plan options for routine checkups, annual blood testing, flea and tick testing, vaccines, and other preventive treatments.

• Deductibles: $250, $500, $1,000
• Reimbursement options: 90%, 100%
• Maximum coverage limits: Up to $20,000

Unlike most providers that only offer one or two wellness coverage options, Wagmo has three. It’s also unique in that you don’t have to purchase its base plan to get wellness coverage. You can purchase a wellness plan by itself.

Here’s what you can expect with each wellness option:

• Value Plan: The Value Plan reimburses up to $350 per year for covered expenses. This includes one routine wellness exam, two vaccines, one round of routine blood work and one fecal test annually. This plan is $20 per month.
• Classic Plan: The Classic Plan reimburses up to $650 per year for covered wellness costs. This includes one routine wellness exam, three vaccines, one round of routine blood work, one fecal test, and one urinalysis per year, plus $100 for flea/tick/heartworm medication and $100 for grooming. This plan costs $36 per month.
• Deluxe Plan: The Deluxe Plan reimburses up to $1,100 for covered preventive expenses. This includes two routine wellness exams, four vaccines, one round of routine blood work, one fecal test and one urinalysis annually, plus $200 for flea/tick/heartworm medication, $200 for grooming, and $100 for dental care. This plan costs $59 per month.

Wagmo’s options for routine coverage earned it a 91 out of 100.