Best Pet Insurance in Wisconsin (2022) | Complete step by step guide

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

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

Seeing as more than half of Wisconsin’s population has pets, there is a need to talk about caring for the health and well-being of these pets. In this article, we will discuss pet insurance and a list of the best pet insurance in Wisconsin.

A pet health insurance policy ensures that your animal receives the care and treatment it needs after an unexpected accident or illness without affecting 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 vet’s office and then file a claim for reimbursement with the insurance provider.

The amount you are reimbursed depends on your policy; ranges from 70% to 90% of costs after you meet your deductible. Most policies have annual payment limits and a 14-day waiting period.

What does pet insurance cover in Wisconsin? ?

Pet insurance typically covers healing processes; accidents and illnesses, including broken bones and ingestion of foreign objects; dental work; hereditary and genetic conditions; chronic conditions; and cancer. Some plans continue to cover behavioral disorders and alternative therapies. You can also purchase additional coverage for routine wellness care.

What pet insurance in Wisconsin will not cover ?

Standard pet insurance in Wisconsin does not cover preventative procedures such as routine checkups, cosmetic procedures, parenting costs, or pre-existing conditions. It also does not cover injuries or illnesses resulting from cruelty or negligence.

What are the pet laws in Wisconsin?

Even though Wisconsin is a state full of farms, open fields, and country life, pets can’t run free. Any time they are off your property, they must be tied down. Dogs found running free will be seized by animal control.

Dogs and cats must also have a rabies shot and dogs must be licensed by the time they are five months old. They should receive a rabies booster shot every three years and be up-to-date on vaccinations. Although this can vary from city to city, many Wisconsin cities state that households cannot have more than two dogs.

How cheap is health insurance in Wisconsin?

Most Wisconsin pet owners who sign up for 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 are at lower risk of developing health problems and it is important that your plan coverage begins before any pre-existing conditions arise.

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 deductible of $500. Prices may be lower or higher depending on coverage options.


Example Pet Type $ Average Savings % Savings
Puppies $114.39 24.49%
Dogs $53.84 18.42%

Is pet insurance worth it in Wisconsin?

With only 4 or 5 people able to avoid vet bills in a state where over 20,000 people have pets, pet insurance is definitely worth bringing up.

Considering that 59% of Wisconsin households own pets, pet insurance is a great tool for covering financial risk. Like auto insurance, pet insurance is something you have but hope you don’t use.

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

14 Best Pet Insurance in Wisconsin for 2022

Now that we have established the importance of pet insurance in Wisconsin, we continue to list and provide helpful details, including the pros and cons of the 14 best pet insurance in Wisconsin, starting with the top five.

  • Lemonade
  • cautious pet
  • Healthy Paws
  • Hug
  • papa
  • blade
  • Bivouac
  • Figo
  • Spotpet
  • Pumpkin
  • pets better
  • Petplan
  • pet first
  • Hartville

# 1. Lemonade

Lemonade Pet Insurance is one of the new pet insurance companies to come to life, but even with only 7 years of experience, they are making leaps and bounds to become the best pet insurance company available. Its comprehensive coverage and quick and easy claims process earned it a spot on our best pet insurance in Wisconsin.

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

Offers a 10% bundle discount for Lemonade Homeowners Insurance and Lemonade Renters Insurance customers.

It has a mobile application with artificial intelligence technology to make quick claims.

Advantages and Disadvantages of Lemonade Pet Insurance


  • Provides additional preventative care for pets under 2 years of age.
  • Offers optional coverage for physical therapy treatments and vet visit fees.
  • It has consistently lower prices than most competitors for various breeds and ages of pets.


  • It offers only three annual deductible options, which is less than what other providers offer.
  • It does not cover dental diseases like many competitors.

#two. cautious pet

Prudent Pet Insurance has the most comprehensive plans on the market. We recommend it for 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, which means you’ll never hit a payment maximum all year long

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

You have a 30-day money back guarantee after purchasing a plan.

Pros and Cons of Wise Pets


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


  • Does not allow you to customize annual limits like other providers
  • It does not have a mobile app, unlike many competitors.

#3. healthy legs

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

Healthy Paws includes unlimited coverage limits with all policies, which means you never have to pay out of pocket after you reach a coverage limit.

It has been in business for 11 years, which is longer than most competitors.

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

Pros and Cons of Healthy Paws


  • Make most payments within two days of the policyholder submitting the claim.
  • Donate to charity every time someone receives a pet insurance quote.
  • It has helpful pet care resources and training on the Healthy Paws mobile app.


  • Does not allow you to customize reimbursement rates and deductibles for pets of certain breeds and ages.
  • It has a 15-day waiting period for accidents, which is longer than most of the other providers in this review.

#4. Encompass

Embrace made our list of our best pet insurance in Wisconsin because of 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 every policy for a $50 credit toward your deductible each year you don’t file a claim.

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

They donate $2 with every policy sold.

Accept the pros and cons


  • Includes coverage of exam fees in standard policies, which are not normally 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 limits per item.


  • Offers higher prices for cats than many competitors, based on the quotes we receive.
  • It does not offer coverage limits beyond $30,000 per year, which is lower than most other companies.

#5. papa

Pawp is a unique pet insurance that offers membership to help keep your pet healthy with 24/7 access to a licensed virtual vet digital clinic and emergency fund. Apart from Wisconsin, it is available in 49 other 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 has 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.
  • Pay the vet directly for the covered vet bill, rather than reimburse you after you leave the office.
  • Covers up to six pets in your home with one membership


  • Requires members to contact an official Pawp veterinarian after an accident to confirm their pet’s eligibility for use of the emergency fund.
  • It does not offer any preventive care coverage.


Aspca Pet Health Insurance offers comprehensive, accident-only pet insurance policies in Wisconsin. Their plans have no network restrictions, so you can visit any vet in Wisconsin, the US, or Canada.

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

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

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

Comprehensive plans cover accidents, illnesses, hereditary conditions, dental disease, behavioral problems and more. Preventive care, pre-existing conditions, cosmetic procedures, and reproductive costs are not covered.

ASPCA Pros and Cons


  • Includes coverage of examination fees and microchip implantation as 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.


  • $10,000 annual maximum coverage limit, which is lower than most providers.
  • It has a 14-day waiting period for accidents, which is longer than some competitors.

#7. figure

Your pet insurance covers cats and dogs of all ages. Annual deductibles range from $100 to $750, reimbursement rates range from 70% to 100%, and payment limits are $5,000, $10,000 or unlimited.

Figo’s pet insurance plan covers emergency veterinary services, including surgeries and cancer treatments. The policies do not cover wellness or preventive care, pre-existing conditions, cosmetic procedures, reproduction or pregnancy, or experimental procedures.

I figure pros and cons


  • Annual deductible (not per incident).
  • Claims processing average 3 days.
  • Decreasing deductible.
  • 5% multi-pet discount.
  • Your pet is covered anywhere in the world.
  • There are no upper age limits (pets must be 8 weeks or older).

C Add-ons

  • 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 paying annually).
  • $15 administration fee.

#8. bivouac

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

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

Pros and cons of bivouac


  • Offers a wellness supplement
  • Their plans have a low flat rate based on location rather than race.
  • It has a quick and easy registration process.


  • Does not offer plan customization.
  • Your refund percentage is much lower than normal at 50%
  • Does not have a customer service line or live chat

#9. spotted pet

Spot Pet Insurance offers a variety of pet insurance plans endorsed by celebrity dog ​​whisperer Cesar Millan.

Choose between Accident-Only Coverage and One-Time Coverage and add a preventive care feature for routine care coverage. You can then customize the coverage type, deductible, reimbursement, and annual limit based on your needs. The general deductible options available are $100, $500 and $250.

You can also customize your refund from 70% to 100%. Your pet can enroll from 8 weeks of age and there is no upper age limit.

Spot the pros and cons of pets


  • Multiple Pet Discount
  • Covers prescription foods and supplements
  • No upper age limit for enrollment in coverage
  • 30 day money back guarantee*
  • More refund options: 70%, 80% and 90%


  • Does not cover exotic pets

#10. Pumpkin

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

Just know that Pumpkin can go a long way in helping you achieve 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, not other types of pets

# 11. P first

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. Has health insurance coverage for cats and dogs, young and old, to cover unexpected veterinary bills.

PetFirst offers recommended and cost-conscious 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. Both reimburse up to 80% of vet bills.

May also include Routine Care as additional coverage.

Pros and cons of Petfirst


  • No minimum age limit for registration.
  • $25 off your deductible for every year your dog or cat is claim-free.
  • It allows you to choose your own veterinarian.
  • Your policy price will not go up because you file a claim.


  • They do not cover pre-existing conditions.

#12. pets better

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 that is done within five days. Optional Vet Direct Pay, which means you can pay out of pocket and then get reimbursed or choose to pay the vet directly.

Flexible coverage options and a 24/7 pet helpline.

They cover veterinary bills for your dog and cat and treatment costs for injuries, accidents, illnesses and other health problems.

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

Pets Best pros and cons


  • Fast claims processing.
  • Give you the support you need with our 24/7 Pet Helpline.
  • It allows you to choose your own veterinarian.
  • Your policy price will not go up because you file a claim.


  • Does not cover pre-existing conditions.

# 13. Petplan

Petplan is the world’s largest pet health insurance provider and has been operating in the US since 2006. It offers 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 birth to age and beyond.

Petplan offers dog and cat insurance to cover unexpected veterinary bills and treatment costs for injuries, illnesses and other health problems, excluding certain breed-specific risks and pre-existing conditions.

Advantages and disadvantages of Petplan


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


  • You can increase the price of your policy because you file a claim.
  • Like other pet insurance, they do not cover pre-existing conditions.

#14. Hartville

The Hartville Pet Insurance program is known for its quality coverage and service, allowing customers to self-manage their membership profiles and insurance accounts online. Hartville is one of the oldest insurance brands in the US The company prioritizes community outreach and supports many animal charities.

They cover unexpected vet bills and treatment costs for all kinds of incidents that may occur throughout your pets’ lives. All dogs and cats are eligible for comprehensive Hartville coverage, except exotic animals.

Your Comprehensive Coverage plan covers accidents, illnesses, hereditary conditions and behavioral problems.

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 vaccinations.

Hartville Pros and Cons


  • Offers a 10% discount on each additional pet you enroll after the first pet with Hartville Pet Insurance.
  • 30 day money back guarantee 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 veterinary clinics, and view and update your policy.
  • It allows you to choose your own veterinarian.
  • Your policy price will not go up because you file a claim.


  • No coverage for pre-existing conditions.

Best Wisconsin Pet Insurance FAQs

How much does a visit to the vet cost in Wisconsin?

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

Do all Wisconsin vets accept pet insurance?

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 the vet directly.

Are there any pet insurance companies in Wisconsin that cover pre-existing conditions?

Any pet insurance company in Wisconsin does not cover pre-existing conditions.

Is pet insurance worth it?

Yes. Pet insurance is worth it if you want peace of mind that you’re financially covered in the event 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 prospective pet parent, learn about the need for pet insurance and also which insurance company to choose. Remember that no one wants bad things to happen, but if they do, you’ll realize how important insurance coverage is.


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