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Best Pet Insurance in Wisconsin (2023) | Full Step By Step Guide

Wisconsin is a state of the north-central United States. It was admitted as the 30th state in 1848.  Madison is the capital and Milwaukee is the largest city. Its economy is dominated by manufacturing, healthcare, information technology, and agriculture (specifically dairy).

According to data collected by the AVMA study, 59% of Wisconsin households own a pet. 33.6% own a dog while 32.4% own a cat.

Seeing that over half the population of Wisconsin owns pets, there is a need to discuss the health care and well-being of these pets. In this article, we will be looking at pet insurance and a list of the best pet insurance in Wisconsin

A pet health insurance policy ensures your animal gets the care and treatment it needs after an unexpected accident or illness without impacting your savings account or credit card expenses.

How does pet insurance work in Wisconsin?

When you have a pet insurance policy for your dog or cat, you pay out of pocket at the veterinarian’s office and then make a claim for reimbursement with the insurance provider.

The amount you are reimbursed depends on your policy; it ranges between 70% and 90% of the costs after you meet your deductible. Most policies have annual payout limits and a waiting period of 14 days.

What does pet insurance in Wisconsin cover?

Pet insurance typically covers curative processes; accidents and illnesses, including broken bones and ingestion of a foreign object; dental work; hereditary and genetic conditions; chronic conditions; and cancer. Some plans go on to cover behavioral disorders and alternative therapies. You may also be able to purchase add-on coverage for routine wellness care.

What pet insurance In Wisconsin won’t cover?

Standard pet insurance in Wisconsin doesn’t cover preventive processes like routine checkups, cosmetic procedures, breeding costs, or preexisting conditions. Ithe t also doesn’t cover injury or illness resulting from cruelty or neglect.

What are the pet Laws in Wisconsin?

Despite Wisconsin being a state filled with farms, open fields, and country living, pets are not allowed to run at large. Any time they are off their property, they must be on a leash. Dogs found running free will be impounded by animal control.

Dogs and cats must also have rabies shot and dogs must be licensed by the time they’re five months old. They must get the booster rabies shot every three years and remain current on the vaccination. Although this may vary from one city to another, many Wisconsin cities state that households may not have more than two dogs.

How Cheap Is Health Insurance In Wisconsin?

Most Wisconsin pet owners who enroll in pet insurance do so within 6 months of adopting their new family member. Puppies and kittens in Wisconsin will generally find the lowest rates because they have a lower risk of developing health issues and it’s important that your plan’s coverage start before any pre-existing conditions arise

The Wisconsin average savings listed below refer to the difference in annual premiums for a 1-year-old pet vs a 5-year-old pet and are based on an 80% reimbursement rate, unlimited coverage, with a $500 deductible. Prices may be lower or higher depending on the coverage options.

Pet Type example $ Savings Average % Savings
Puppies $114.39 24.49%

Dogs $53.84 18.42%

Is Pet Insurance In Wisconsin worth It?

With only 4 or 5 people being able to avoid vet bills in a state where over 20,000 people own pets, the subject of pet insurance is definitely worth bringing to the table.

Considering that 59% of Wisconsin households are pet owners, pet insurance is a great tool to hedge financial risk. Like vehicle insurance, pet insurance is something you have but hope not to use.

Then again, in cases of unexpected tragedy, you’ll be reimbursed 70% to 90% of the costs (depending on your plan). Getting pet insurance in Wisconsin will help ensure that your pet will get the care they need. It allows you to focus on doing the right thing, rather than costs.

14 Best Pet Insurance In Wisconsin for 2023

Now that we have established the importance of pet insurance in Wisconsin, we go right ahead to list and give useful details including the Pros and Cons of the 14 best Pet Insurance in Wisconsin beginning with the top five.

  • Lemonade
  • Prudent Pet
  • Healthy Paws
  • Embrace
  • Pawp
  • Aspca
  • Bivvy
  • Figo
  • Spotpet
  • Pumpkin
  • Pets best
  • Petplan
  • Pet first
  • Hartville

#1. Lemonade

Lemonade Pet Insurance is one of the new pet insurance companies to come alive but even with just 7 years of experience, it’s making strides to become the best pet insurance company available. Its comprehensive coverage and fast, easy claims process earned it a place in our best pet Insurance in Wisconsin.

Lemonade has a $100,000 annual limit option, which is higher than what most providers offer.

Offers a 10% bundling discount for Lemonade homeowners insurance and Lemonade renters insurance customers.

Has a mobile app with artificial intelligence technology for filing fast claims.

Lemonade Pet Insurance Pros and Cons


  • Provides extra preventive care for pets less than 2 years old
  • Offers optional coverage for physical therapy treatments and vet visit fees
  • Has consistently lower prices than most competitors for various pets’ breeds and ages.


  • Offers only three annual deductible options, which is fewer than what other providers offer.
  • Doesn’t cover dental illness like many competitors.

#2. Prudent Pet

Prudent Pet Insurance has the most comprehensive plans on the market. We recommend it because of its Ultimate Plan, which covers accidents and illnesses plus a few extras like vacation cancellation fees and lost-pet advertising.

Prudent Pet Insurance Provides unlimited coverage with the Ultimate Plan, meaning you’ll never reach a maximum for payouts throughout the year

Each plan includes access to a 24/7 vet chat.

Has a 30-day money-back guarantee after purchasing a plan.

Prudent Pet Pros and Cons


  • Offers an affordable accident-only plan with $10,000 of annual coverage
  • Provides optional coverage for exam and vet visit fees
  • Offers three preventative care coverage levels and price points, which is more than most competitors


  • Doesn’t let you customize annual limits like other providers
  • Doesn’t have a mobile app, unlike many competitors

#3. Healthy Paws

Healthy Paws is one of the most popular companies in the industry, and it stands out the most for unlimited annual, per-incident, and lifetime coverage at affordable prices.

Healthy Paws Includes unlimited coverage caps with all policies, which means you’ll never have to pay out of pocket after reaching a coverage cap.

Has been in business for 11 years, which is more than most competitors. 

Offers a 30-day money-back guarantee for a “free look” at your pet insurance policy.

Healthy Paws Pros and Cons


  • Makes most payouts within two days of policyholders filing a claim.
  • Donates to charities each time someone receives a pet insurance quote.
  • Has helpful pet care and training resources on the Healthy Paws mobile app.


  • Doesn’t let you customize reimbursement rates and deductibles for pets of some breeds and ages.
  • Has a 15-day waiting period for accidents, which is longer than most other providers in this review.

#4. Embrace

Embrace made it to the list of our best pet insurance in Wisconsin due to its five deductible options and its Healthy Pet Deductible, which lowers your deductible each year you don’t file a claim.

Embrace includes the Healthy Pet Deductible with each policy for a $50 credit to your deductible each year you don’t file a claim.

Provides five deductible options between $200 and $1,000, which is more than many competitors.

They donate $2 with each policy sold.

Embrace Pros and Cons


  • Includes exam fees coverage in standard policies, which isn’t typically covered by other providers.
  • Offers a 5% discount for military members.
  • Provides the Wellness Rewards Plan for 100% reimbursement of covered bills, rather than having per-item limits.


  • Offers higher prices for cats than many competitors, according to the quotes we received.
  • Doesn’t offer coverage limits beyond $30,000 per year, which is lower than most other companies.

#5. Pawp

Pawp is unique pet insurance that offers a membership to help keep your pet healthy with 24/7 access to a digital clinic of licensed virtual vets and an emergency fund. Apart from Wisconsin, it is available in other 49 states.

They offer calls, texts, chats, and video calls with live vets 24/7

Includes a $3,000 fund for one emergency per year

Pays 100% of the covered vet bill with no required copays or deductibles

Pawp Pros and Cons


  • Each policy is a flat rate of $24 per month, and the company doesn’t charge higher or lower premiums based on your pet’s details and location
  • Pays the vet directly for the covered vet bill, rather than reimbursing you after you leave the office
  • Covers up to six pets in your household with one membership


  • Requires members to get in touch with an official Pawp vet after an accident to confirm their pet’s eligibility for use of the emergency fund.
  • Doesn’t offer any preventative care coverage.


Aspca Pet Health Insurance offers comprehensive and accident-only pet insurance policies in Wisconsin. Its plans don’t have any network restrictions, so you’re free to visit any vet in Wisconsin, the U.S., or Canada.

Policies come with a 30-day money-back guarantee.

Reimbursement rates range from 70% to 90%, and deductibles go from $100 to $500.

Annual limits range from $3,000 to $10,000.

Comprehensive plans cover accidents, illnesses, hereditary conditions, dental disease, behavioral issues, and more. Preventive care, preexisting conditions, cosmetic procedures, and breeding costs are not covered.

ASPCA Pros and Cons


  • Includes coverage for exam fees and microchip implantation in standard. policies
  • Offers an accident-only plan at a low monthly cost.
  • Provides two wellness care options to choose from with different levels of coverage and monthly rates.


  • Max annual coverage limit of $10,000, which is lower than most provider.
  • Has a waiting period of 14 days for accidents, which is longer than some competitor.

Check out: ASPCA Pet Insurance Reviews 2023

#7. Figo

Their Pet Insurance covers cats and dogs of all ages. Yearly deductibles are between $100 and $750, reimbursement rates range from 70% to 100% and payout limits are $5,000, $10,000, or unlimited.

Figo pet insurance plan covers emergency veterinary services, including surgeries and cancer treatments. Policies don’t cover wellness or preventive care, preexisting conditions, cosmetic procedures, breeding or pregnancy, or experimental procedures.

Figo pros and cons


  • Annual deductible (not per-incident).
  • Claim processing averages 3 days.
  • Diminishing deductible.
  • 5% multi-pet discount.
  • Your pet is covered anywhere in the world.
  • No upper age limits (pets must be 8 weeks or older).


  • If there is a knee injury prior to enrollment or during the 6-month waiting period, both knees are excluded from coverage.
  • $2/month transaction fee (can be waived if you pay annually).
  • $15 administration fee.

See also: Figo Pet Insurance Reviews: Is It Legit or Scam?

#8. Bivvy

Bivvy covers pets for $10/month regardless of age, with benefits for illnesses, accidents, hereditary conditions, congenital conditions, surgery, emergency care, prescription medication, and more.

Wisconsin customers can add wellness care coverage for preventive care. The company’s application process takes less than five minutes.

Pros & Cons of Bivvy


  • Offers a wellness add-on
  • Its plans come at a low flat rate based on location rather than breed
  • Has a fast and easy enrollment process


  • Doesn’t offer plan customization
  • Its reimbursement percentage is much lower than normal at 50%
  • Doesn’t have a customer service line or live chat

#9. Spot Pet

Spot Pet Insurance offers an array of pet insurance plans endorsed by celebrity dog whisperer Cesar Millan. 

Choose from Accident-Only Coverage and Spot On coverage and add on a Preventive Care Feature for routine care coverage. Then you can customize the type of coverage, deductible, reimbursement, and annual limit based on your needs. General deductible options available are $100, $500, and $250. 

You can also customize your reimbursement from 70% to 100%. Your pet can be enrolled as early as 8 weeks old, and there is no upper age limit. 

Spot Pet Pros and Cons


  • Multiple pet discount
  • Covers prescription food and supplements
  • No upper age limit for coverage enrollment
  • 30-day money-back guarantee*
  • More reimbursement options: 70%, 80% and 90%


  • Doesn’t cover exotic pets

#10. Pumpkin

Pumpkin’s policies cover a wide range of situations that can result in costly vet bills. When looking at an insurance policy, it’s important to understand exactly what’s covered.

Just know that Pumpkin can go a long way toward helping you reach your goals.

Pumpkin Pros and Cons


  • No upper age limit
  • Multiple pet discount
  • An extensive list of covered procedures


  • Plans only cover cats and dogs — no other pet types

#11. Petfirst

Standing out as one of the fastest-growing health insurance companies in North America, PetFirst strives to create helpful pet insurance products and services for every family.

PetFirst was founded in 2004 by Brent Hinton and Lansdon B. Robbins. It has health insurance coverages for dogs and cats whether young or old to cover unexpected veterinary bills.

PetFirst offers Cost Conscious and Recommended Pet insurance plans. The Cost-Conscious plan has an annual benefit of $2,000, and the Recommended Plan has an Annual Benefit of $5,000. They both reimburse up to 80% of vet bills.

You can also include Routine Care as additional coverage.

Petfirst Pros and Cons


  • No minimum age limit for enrollment.
  • $25 discount off your deductible for every year your dog or cat goes claim free.
  • Lets you choose your own vet.
  • Will not raise the price of your policy because you file a claim.


  • They do not cover pre existing conditions.

#12. Pets Best

 Pet Best Insurance Services was founded in 2005 by Dr. Jack Stephens who is known as the father of the pet insurance industry as he is the first to launch a pet insurance company in North America

Their Insurance Services offer fast claim reimbursement which is within five days. Optional Vet Direct Pay, which means you can pay out of pocket then get reimbursement or opt for the pay-directly-to-vet.

Flexible coverage options and a 24/7 Pet Helpline.

They cover your dog and cat’s veterinary bills and treatments costs for injuries, accidents, illnesses, and other health issues.

All dogs and cats in the U.S are eligible for Pets Best’s unlimited annual plans regardless of breed and age. They also have pet wellness coverage.

Pets Best pros and cons


  • Fast Claims Processing.
  • Give you the support you need with their 24/7 Pet Helpline.
  • Lets you choose your own vet.
  • Will not raise the price of your policy because you file a claim.


  • Does not cover for preexisting conditions.

#13. Petplan

Petplan is the largest pet health insurance provider worldwide and has been operating in the U.S. since 2006. They offer flexible pet insurance policies that cover the cost of medical treatment for unexpected illnesses and injuries.

Their goal is to provide “tooth-to-tail” protection for pets from when they’re born to their senior years and beyond.

Petplan offers insurance for dogs and cats to cover unexpected veterinary bills and treatment costs for injuries, illnesses, and other health issues excluding certain breed-specific risks and preexisting conditions.

Petplan Pros and Cons


  • Cover exam fees when your pet is sick or injured.
  • Covers treatment of dental disease and injury to all permanent teeth.
  • Holistic care are covered at no extra cost. Examples of such care are; acupuncture, chiropractic care, laser therapy and homeopathic medicine.
  • Lets you choose your own vet.


  • May raise the price of your policy because you file a claim.
  • Like othet pet insurance, they do not cover preexisting conditions.

#14. Hartville

Hartville Pet Insurance program is known for quality coverage and service, allowing customers to self-manage their membership profiles and insurance accounts online. Hartville is one of the longest-operating insurance brands in the U.S. The company prioritizes community outreach, supporting many animal charity organizations.

They cover unexpected vet bills and treatment costs for all types of incidents that could occur throughout your pets’ lifetime. All dogs and cats are eligible for the Hartville complete coverage except exotic animals.

Their Complete Coverage plan covers accidents, illnesses, hereditary conditions, and behavioral issues.

Preventive Care add-ons can also be purchased for any illness or accident plan. It reimburses you a fixed amount for a list of services that protects your pet for wellness exams, dental cleaning, and vaccines.

Hartville Pros and Cons


  • Gives 10% discount on each additional pet you enroll after the first pet in Hartville Pet Insurance.
  • Money back guarantee for 30 days if no claims are processed.
  • Good customer service; the Hartville Pet Insurance program has a Member Center where you can submit and track claims, pay your bills, locate vet clinics, and view and update your policy.
  • Lets you choose your own vet.
  • Will not raise the price of your policy because you file a claim.


  • No coverage for pre existing conditions.

FAQs on Best Pet Insurance In Wisconsin

How much is a physical exam for a dog or cat?

A physical exam for your dog or cat usually costs $40 to $50. Vaccinations normally cost $15 to $30. Spaying and neutering costs from $35 to $300. Emergency vet visits are the most expensive type of service; average costs are from $800 to $1,500.

Do Pet insurance companies allow me visit any licensed veterinarian in Wisconsin?

Pet insurance companies allow you to visit any licensed veterinarian in Wisconsin. You pay at the time of the visit, then file a claim for reimbursement although some pay straight to the vet.

Do pet insurance companies in Wisconsin cover preexisting conditions?

No pet insurance companies in Wisconsin don’t cover preexisting conditions.

Is Pet insurance worth it?

Yes. Pet insurance is worth it if you want peace of mind that you are financially covered in case your cat or dog needs expensive medical treatment.


We hope this article on the 14 best Pet Insurance in Wisconsin will help you as a new or intending pet parent know about the need for pet insurance and also which insurance company to go for. Remember that no one wishes for bad things to happen but if they do, then you realize how important insurance coverage is.



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