Best Pet Insurance in North Dakota
Whether you’re hiking through Lake Sakakawea State Park with your new foxhound or relaxing at home with your kitty, your pet can experience an emergency at any time.
We reviewed and compared the best pet insurance companies in the industry, evaluating each provider on its coverage options, cost, reimbursement rates, waiting periods, and more. Read on to find out our top affordable recommendations for pet insurance in North Dakota.
How Do ND Pet Insurance Companies Compare?
Company | Star Rating | Monthly Cost for Dogs* | Monthly Cost for Cats* | Visit Site |
---|---|---|---|---|
$33.69 | $13.32 | VISIT SITE | ||
$38.44 | $21.53 | VISIT SITE | ||
$65.15 | $53.43 | VISIT SITE | ||
$44.83 | $24.68 | VISIT SITE | ||
$49.85 | $26.55 | VISIT SITE | ||
$44.79 | $16.36 | VISIT SITE | ||
$60.77 | $37.93 | VISIT SITE |
North Dakota’s Top 7 Pet Insurance Providers
Based on our research, these seven pet insurance providers are our top picks for North Dakota pets:
What Does Pet Insurance Cover and Not Cover?
Pet insurance coverage depends primarily on which plan you’ve chosen—accident-only or accident-and-illness—and if you’ve opted to include a wellness add-on to your base plan. Below, we break down the basic coverage of each:
What Does Pet Insurance Cover and Not Cover?
Pet insurance coverage depends primarily on which plan you’ve chosen—accident-only or accident-and-illness—and if you’ve opted to include a wellness add-on to your base plan. Below, we break down the basic coverage of each:
Accident-only plan
An accident-only plan is the most basic, affordable coverage plan. However, it will not cover any of your pet’s illnesses. It does cover emergency care, diagnostics, hospitalization, surgery, and prescription medications relating to an eligible injury or accident.
Accident-and-illness plan
An accident-and-illness policy is more comprehensive, covering everything under the accident-only plan, plus any costs related to illnesses and health conditions. This includes conditions such as arthritis, allergies, cancer, chronic conditions, diabetes, genetic conditions, respiratory issues, and more.
Wellness add-on
Many pet insurance policies do not include preventive care in their standard plan. Wellness or routine care for your pet is considered an expected cost that a pet owner would incur, and pet insurance is meant to cover you for unexpected incidents. However, some providers offer wellness coverage as an add-on to your base plan at an additional monthly cost. Wellness add-ons typically cover routine services and treatments, including vaccinations, spay and neuter surgery, annual checkups, dental cleanings, and flea, tick, and heartworm prevention.
Like human health insurance, pet insurance policies come with exclusions. The most common exclusions among pet insurance providers are preexisting conditions. Preexisting conditions are any injuries, illnesses, or conditions of which your pet showed symptoms or with which it was diagnosed before your policy began. However, a handful of companies. Including Embrace, Spot, and Fetch, will cover curable preexisting conditions after a certain waiting period with no recurring symptoms.
In addition, pet insurance policies typically do not cover cosmetic or elective surgeries, costs related to breeding or pregnancy, grooming, boarding, or preventive care.
Is Pet Insurance in North Dakota Worth it?
Yes, in most cases, we’ve found that pet insurance is worth it in North Dakota due to the added security and peace of mind. With pet insurance, pet owners in North Dakota can have peace of mind that their beloved pets will receive proper care in an emergency, and it won’t completely throw off the budget. Lemonade is our choice for the best comprehensive and cost-effective coverage.
If you are looking for more customizable coverage, Spot or Embrace might be better options. We recommend getting pet insurance quotes from at least three providers to find the best fit for your and your pet’s needs.
FAQs About North Dakota Pet Insurance
Is North Dakota pet insurance worth it?
North Dakota pet insurance is often worth it. Pet insurance is meant to keep pet owners from either experiencing financial distress due to veterinary costs or deciding to put their pet down for financial reasons. North Dakota pet insurance providers will reimburse anywhere from 70% to 100% of your vet costs, allowing you to focus on getting your furry family member the veterinary care it needs.
How much is pet insurance in North Dakota?
The cost of pet insurance premiums can vary based on several factors, including your pet’s species, breed, and age, as well as your location and the customization options you selected for your reimbursement rate, annual deductible, and annual limit. However, on average, North Dakota pet owners can anticipate paying between $20 and $40 for dog insurance and $10 and $25 for cat insurance.
Does pet insurance cover preexisting conditions?
Unfortunately, no pet insurance provider will cover a preexisting condition. A handful of providers, including Embrace and Spot, will make an exception for a curable preexisting condition—such as an infection or vomiting—as long as your pet has gone without symptoms or treatment for a specific waiting period.
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.