Best Pet Insurance in Nevada
Written by Brenda Woods Updated 11/18/2024
Brenda Woods is an accomplished writer and managing editor with more than two decades of publishing experience. She has spent over 10 years covering home services and home improvement projects. Brenda supports her team in evaluating dozens of home service providers, surveying and speaking to hom…
From Reno to Henderson, most pet parents would benefit from an affordable pet health insurance plan that protects their budget from their fur baby’s medical emergencies. We have identified the best pet insurance available in the Silver State to show you what you can expect to pay for coverage. Through our research, we’ve found that the best pet insurance provider in Nevada is Lemonade for its flexible plans and affordable pricing.
- If you’re a pet owner living in Nevada, chances are you’ve experienced an unexpected emergency vet bill.
How Do NV Pet Insurance Companies Compare?
Company | Star Rating | Monthly Cost for Dogs* | Monthly Cost for Cats* | Visit Site |
---|---|---|---|---|
4.8
|
$33.69 | $13.32 | VISIT SITE | |
4.6
|
$38.44 | $21.53 | VISIT SITE | |
4.5
|
$20.76 | $18.47 | VISIT SITE | |
4.7
|
$65.15 | $53.43 | VISIT SITE | |
4.7
|
$44.83 | $24.68 | VISIT SITE | |
4.7
|
$44.79 | $16.36 | VISIT SITE | |
4.5
|
$114.73 | $57.19 | VISIT SITE |
Nevada’s Top 7 Pet Insurance Providers
Lemonade Pros and Cons
Lemonade Overview
We’ve chosen Lemonade as our best overall provider based on its balance of price, comprehensiveness, and customizability.
- Deductibles: $100, $250, $500
- Reimbursement options: 70%, 80%, 90%
- Maximum coverage limits: $5,000, $10,000, $20,000, $50,000
Learn more: Lemonade Pet Insurance review
Why We Chose Lemonade
We rate Lemonade a 96 out of 100 based on its inexpensive yet comprehensive coverage. Customers can add wellness and special coverage to the company’s single accident-and-illness plan. This covers exam fees, physical therapy, behavioral conditions, dental illness, or end-of-life expenses. It also offers some of the cheapest pet insurance plans that cover both accidents and illnesses.
Spot Pros and Cons
Spot Overview
Spot is a practical choice for pet owners who want to customize their insurance plan. It has several deductible rates, reimbursement options, and coverage limits, making it a top choice for pets with a variety of needs.
- 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 Pet Insurance review
Why We Chose Spot
Scoring a 91 out of 100, Spot offers both accident-only and accident-and-illness plans, plus two levels of wellness coverage. There’s no upper age limit for newly-enrolled pets so older animals will be covered.
ASPCA Pros and Cons
ASPCA Overview
If you’re new to being a pet parent, ASPCA’s helpful website can connect you with local resources and breed-specific health information.
- Deductibles: $100, $250, $500
- Reimbursement options: 70%, 80%, 90%
- Maximum coverage limits: $3,000, $4,000, $5,000, $7,000, $10,000
Learn more: ASPCA Pet Health Insurance review
Why We Chose ASPCA
With a rating of 89 out of 100, ASPCA Pet Insurance offers both accident-only and accident-and-illness coverage. You’ll also have a choice of two wellness add-ons to cover veterinary bills for checkups and preventive medication.
Embrace Pros and Cons
Embrace Overview
Embrace offers true diminishing deductibles: for every year you go without receiving a claim reimbursement, your deductible drops $50.
- Deductibles: $200, $300, $500, $750, $1,000
- Reimbursement options: 70%, 80%, 90%
- Maximum coverage limits: $5,000, $8,000, $10,000, $15,000, $30,000
Learn more: Embrace Pet Insurance review
Why We Chose Embrace
Embrace, which we rank at 93.5 out of 100, offers a single accident-and-illness plan to which you can add three levels of wellness coverage. There is an option for unlimited maximum coverage but you’ll need to speak to a representative on the phone to receive it.
Healthy Paws Pros and Cons
Healthy Paws Overview
Healthy Paws’ single accident-and-illness plan comes with no coverage limits per incident, year, or lifetime of your pet.
- Deductibles: $250, $500
- Reimbursement options: 70%, 80%
- Maximum coverage limits: Unlimited
Learn more: Healthy Paws Pet Insurance review
Why We Chose Healthy Paws
Although Healthy Paws pet insurance plans have fewer coverage options and no add-ons, its basic plan is quite comprehensive. Customers can submit claims through the company’s app which allows for quicker processing. We rate Healthy Paws a 93.5 out of 100.
Figo Pros and Cons
Figo Overview
Figo’s optional “powerups” add extra coverage beyond the usual wellness veterinary care.
- Deductibles: $100, $250, $500, $750
- Reimbursement options: 70%, 80%, 90%, 100%
- Maximum coverage limits: $5,000, $10,000, unlimited
Learn more: Figo Pet Insurance review
Why We Chose Figo
Figo, which we score a 93 out of 100, offers reasonably-priced, non-traditional wellness add-ons that cover some unusual costs. The Extra Care Pack covers eventualities such as fees for canceling a vacation due to a sick pet and third-party liability for property damage.
Trupanion Pros and Cons
Trupanion Overview
With Trupanion’s Vet Direct Pay, the company can pay its portion of your pet’s medical bill without you needing to wait for reimbursement.
- Deductibles: $0, $5 increments from $50 to $1,000
- Reimbursement options: 90%
- Maximum coverage limits: Unlimited
Learn more: Trupanion Pet Insurance review
Why We Chose Trupanion
Trupanion has no payout limits and all covered vet bills are reimbursed at 90%. While its monthly cost is a bit higher than its competitors, Trupanion does not consider bilateral orthopedic problems a preexisting condition (an unusual benefit in pet insurance). Trupanion, which we give an 89.5 out of 100, is a top choice if you’re worried about hip dysplasia or cruciate ligament issues.
Compare the Top Providers of Pet Insurance in Nevada
You can get a quote online from any of the providers above, but here are some sample prices for dog and cat insurance in Las Vegas.
Provider | Cost Range of Dog Insurance* | Cost of Cat Range Insurance* | Number of Plans and Add-ons | Wellness Add-On |
---|---|---|---|---|
$12.92–$86.42 |
$11.00–$47.92 |
1 + 5 |
✓ |
|
$11.17–$113.46 |
$6.55–$80.21 |
2 |
✓ |
|
$36.98–$48.71 |
$17.30–$22.83 |
1 |
✘ |
|
$23.41–$143.04 |
$12.38–$100.20 |
1 |
✓ |
|
$14.47–$108.22 |
$7.20–$65.45 |
1 + 2 |
✓ |
|
$46.02–$218.02 |
$28.18–$123.85 |
1 + 2 |
✘ |
|
$18.00–$86.82 |
$10.62–$60.59 |
2 |
✓ |
*These quotes are based on accident-and-illness coverage for a 4-year-old, mixed-breed male dog and a 4-year-old, domestic, medium-haired male cat in Las Vegas, Nevada.
What Does Pet Insurance Cover and Not Cover?
- Accident-only pet insurance plans cover expenses related to accidents and injuries, such as X-rays and other scans, medication, and hospitalization. Accident-and-illness plans cover everything included with accident-only, but also add coverage for expenses related to illnesses and other health conditions. For both plans, there’s a waiting period between enrollment and coverage.
- Any accidents, illnesses, or conditions that show signs before the end of the waiting period are called preexisting conditions. Pet insurance will not cover these. Similarly, pet insurance won’t cover elective or experimental procedures. Most plans won’t cover expenses not related to health care (like boarding and grooming), though some will offer add-ons for these costs. Finally, pet insurance won’t cover preventive care like vaccinations or spay/neuter procedures unless you purchase a wellness add-on.
Is Pet Insurance in Nevada Worth it?
Yes, in most cases, we’ve found that pet insurance is worth it in Nevada due to the added security and peace of mind. The best pet insurance in the Silver State can be purchased from Lemonade, Spot, and Healthy Paws. However, pet insurance isn’t a one-size-fits-all product, and any one of the providers on this list may be the perfect option for you. We recommend getting pet insurance quotes from at least three different companies before making your choice.
FAQs About Nevada Pet Insurance
How much should I spend on pet insurance for a dog?
The cost of any pet insurance plan will depend on your pet’s age and the coverage you want, but most dog owners can expect to pay between $30 and $50 per month for accident-and-illness coverage without any add-ons.
Should I get pet insurance in Nevada?
Whether pet insurance in any state is worth it will depend on your pet’s needs and your budget. Many pet owners find the peace of mind that protection from unexpected vet bills provides is worth the monthly cost.
What is the average cost of pet insurance in Nevada?
Based on numbers averaged from the above table, Nevada pet insurance generally costs between $23.28 and $114.96 per month for a dog, and between $13.32 and $72.29 per month for a cat.
Our Rating Methodology
We are dedicated to thorough, in-depth reviews of each product or service that we detail in our content. Determined to build trust with our readers through transparency, accuracy, and accountability, we’ve built a detailed rating system to score pet insurance brands. Included in this methodology are the following six factors with their respective scoring weights:
- Coverage (25)
- Plan options (20)
- Monthly cost (20)
- Company reputation (15)
- Customer service (10)
- Species eligibility (10)
Our researchers keep all data in each company’s score up to date, making any changes to our content when necessary to provide our readers with the most accurate information on relevant metrics, such as plan options, customer service, reputation, and monthly cost.
To share feedback or ask a question about this article, send a note to our Reviews team at reviews@thisoldhousereviews.com.