Best Pet Insurance in North Dakota

Lemonade is the top provider on our list for its comprehensive coverage, affordable plans, and user-friendly, technology-based platform.

• Deductibles: $100, $250, and $500
• Reimbursement options: 70%, 80%, and 90%
• Maximum coverage limits: $5,000, $10,000, $20,000, $50,000, and $100,000

Learn more: Lemonade Pet Insurance Review

We scored Lemonade 96 out of 100 and deemed it the best overall pet insurance coverage. Lemonade impressed us with its customizable accident-and-illness plan and use of technology—users can easily manage their plans and submit claims via the mobile app. Additionally, Lemonade offers the most affordable plans of all the providers on this list.

You can add several wellness care options to your policy, including coverage for behavioral therapy, dental care, vet visits, physical therapy, and end-of-life services. Lemonade offers up to $100,000 in annual coverage, one of the most generous limits of several competitors.

Spot’s customizable plans earned it a top spot on our list. Spot offers both an accident-only and accident-and-illness plan and lets customers choose from seven annual limits—one being an unlimited option.

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

Get a quote: Fill out Spot’s online quote form.

Spot scored 91 out of 100 for its customizable, affordable coverage options, offering both an accident-and-illness and accident-only plan. You can choose from six annual limits (one being an unlimited option), five annual deductibles, and three reimbursement rates to tailor your premium to your budget.

Spot’s standard plan includes coverage for holistic therapies such as acupuncture, chiropractic care, and rehabilitative therapy, as well as for behavioral issues and microchip implantation. Although pet insurance providers will not cover preexisting conditions, Spot will cover a curable preexisting condition if your pet has gone 180 days without symptoms or treatment.

Spot may only have three years of experience in the pet insurance industry, but its underwriter, Crum & Forster Pet Insurance Group, has more than 16 years of experience.

Embrace’s accident-and-illness policy comes with five pet insurance deductible options and a “Healthy Pet” vanishing deductible, knocking $50 off your deductible each year you don’t file a claim.

• Deductibles: $200, $300, $500, $750, and $1,000
• Reimbursement options: 70%, 80%, and 90%
• Maximum coverage limits: $5,000, $8,000, $10,000, $15,000, and $30,000

Learn more: Embrace Pet Insurance Review

Embrace scored a 93.5 out of 100 for its five deductible options, a greater number than most competitors on our list. It also offers a “Healthy Pet” vanishing deductible. Each year you don’t file a claim for your pet, your deductible reduces by $50. If you have a healthy dog or cat, you could see your deductible reduce to $0. Embrace offers optional wellness coverage with 100% reimbursement (up to $250, $450, or $650 annually) for routine care such as vet visits, vaccinations, and blood tests.

Embrace’s accident-and-illness policy guarantees coverage for any injury or illness that is not preexisting. However, like Spot, Embrace will cover a curable preexisting condition once your pet has gone 12 months without recurring symptoms or treatments.

Healthy Paws offers a pet insurance plan with no per-incident, annual, or lifetime caps. Pet owners with this policy will never have to worry about running out of coverage, especially if they’ve submitted expensive claims.

• Deductibles: $250 or $500
• Reimbursement options: 70%, 80%, and 90% (depending on your pet’s age and breed)
• Maximum coverage limits: Unlimited

Learn more: Healthy Paws Pet Insurance Review

Healthy Paws earned 93.5 out of 100 for its unlimited coverage for all policyholders, ensuring you will never run out of coverage. Healthy Paws’ accident-and-illness policy is a bit more expensive than its competitors; however, it is more affordable than other unlimited coverage options.

Healthy Paws offers one comprehensive accident-and-illness plan that covers emergency and specialist care as well as alternative treatments, such as chiropractic care, physical therapy, and massages. Further, Healthy Paws has a quick and easy claims process—you can submit claims via its mobile app, and they are often processed within 48 hours.

Fetch Pet Insurance earned a spot on our list for its expansive holistic therapy coverage, including stem cell therapy, hydrotherapy, and chiropractic care.

• Deductibles: $250, $300, and $400
• Reimbursement options: 70%, 80%, and 90%
• Maximum coverage limits: $5,000, $10,000, and $15,000

Learn more: Fetch Pet Insurance Review

Fetch Pet Insurance scored 91.5 out of 100 for its comprehensive holistic coverage in its standard accident-and-illness plan. Fetch covers alternative treatments, including acupuncture, stem cell therapy, homeotherapy, hydrotherapy, and chiropractic care. Additionally, it covers treatment for behavioral issues, such as aggression and separation anxiety. It also covers advertising and reward expenses for a lost pet, boarding fees, and vacation cancellation costs.

Fetch offers multiple 10% discounts, including the following:

• AARP members
• Pet parents of support, comfort, and therapy pets
• Shelter and rescue adopters
• Veterans and active military
• Veterinarians and vet employees

Another way to save money with Fetch is with its “Healthy Pet” credit. Fetch will give pet owners 15% off their monthly premiums if they go one year without filing a claim.

Figo impressed us with its 100% reimbursement option and unique Extra Care Pack add-on, which covers special circumstances, such as third-party property damage liability.

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

Learn more: Figo Pet Insurance Review

We scored Figo 93 out of 100 for its extensive add-ons to its three standard accident-and-illness plans:

• Wellness: This add-on covers routine care treatments and services including bloodwork,  vaccinations, spay and neuter surgery, and flea, tick, and heartworm prevention.
• Veterinary exams: This covers vet exam fees associated with diagnosing and treating an eligible illness or injury. It does not cover routine or preventive exams.
• Extra care pack: This unique add-on covers the costs of circumstances outside your vet’s office, including vacation cancellation in case of a pet emergency, cremation and burial, lost pet advertising and rewards, pet theft, and up to $10,000 for third-party property damage caused by your pet.

Figo was developed to give pet parents a tech-savvy way to manage their pet insurance. Every policyholder has access to Figo’s Pet Cloud app, which helps you organize vet appointments, stores your pet’s medical records, and access a licensed veterinarian 24/7. It can also connect you with other local pet parents to coordinate puppy playdates and share photos of your furry friends.

Wagmo is worth your consideration if wellness care is important to you. This is the only provider on our list offering a stand-alone wellness plan without purchasing a standard pet insurance policy. 

• Deductibles: $250, $500, and $1,000
• Reimbursement options: 90% or 100%
• Maximum coverage limits: $10,000 per-incident cap; $20,000 annual cap; $100,000 lifetime cap

Wagmo scored 90 out of 100. Unlike many providers, Wagmo offers a stand-alone wellness plan in addition to its accident-and-illness plan for emergencies. Its wellness coverage is available in three tiers, reimbursing up to $350, $650 or $1,100, so you can choose the level of health care your pet needs.

Wagmo also has higher reimbursement rates than most providers, offering either 90% or 100%. While your premiums will be higher with 100% reimbursement, you will also receive the full amount of your vet bills back. In addition, Wagmo covers up to $100,000 over your pet’s lifetime.