Best Pet Insurance in Wyoming (2024 Guide)
Wyoming is a beautiful state to raise a pet, with access to national landmarks such as Yellowstone National Park, Old Faithful, and Grand Teton Mountain. But before you head out for a hike or the park, make sure you have pet health insurance to cover expenses if your pet gets sick or injured.
We researched the best pet insurance companies to help you find the right match. Through our research, we’ve found that the best pet insurance provider in Wyoming is Spot for its unlimited coverage option and its multi-pet discounts.
- This review compares the top providers in Wyoming on key factors, including plans, coverage details, and cost.
How Do WY Pet Insurance Companies Compare?
Company | Star Rating | Monthly Cost for Dogs* | Monthly Cost for Cats* | 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 | ||
$114.73 | $57.19 | VISIT SITE | ||
$60.77 | $37.93 | VISIT SITE |
Wyoming’s Top 7 Pet Insurance Providers
How Much Does Pet Insurance Cost in Wyoming?
Pet insurance costs can vary based on several factors. Location is a primary factor, as rates vary state to state. Your pet’s age and breed also impact price. Expect to pay more for older pets or pets prone to certain conditions. The average monthly premium for dogs in Wyoming is $49 and $26 for cats. These rates are comparable to most nearby states. Read our review of cheapest pet insurance companies to see which providers offer the most affordable pricing.
What Pet Insurance Does and Doesn’t Cover
Most accident-and-illness plans cover vet-recommended treatments, procedures, and emergency care for injuries and illnesses, as long as they’re not due to neglect. This includes accidents such as broken bones or swallowed objects, plus hereditary conditions, congenital conditions, cancer, diagnostic testing, hospitalization, prescription medications, surgeries, X-rays, blood tests, ultrasounds, and more. Some policies may include other conditions and varying amounts of dental or alternative coverage.
Most accident-and-illness plans don’t cover treatments that aren’t medically necessary, such as annual checkups, vaccines, grooming, dental cleanings, flea and tick prevention, and other routine care.
No pet insurer covers preexisting conditions, but some will consider covering conditions your pet hasn’t shown symptoms or received treatment for within a certain window of time prior to enrollment.
Is Pet Insurance in Wyoming Worth it?
Yes, in most cases, we’ve found that pet insurance is worth it in Wyoming due to the added security and peace of mind. Each provider in this review has attractive benefits. The right one depends on your priorities. Owners of older pets should consider Spot or Healthy Paws, which don’t have an upper age limit to qualify for coverage. Those interested in holistic therapy coverage should look into Fetch.
Carefully read each provider’s sample policy, which is typically located on its website, before making a decision. You should also look at customer reviews and get an online quote to see what your monthly payment will be.
FAQs About Wyoming Pet Insurance
What is the best pet insurance at a reasonable price?
Pet insurance premiums vary by state and ZIP code. Figo has the lowest monthly cost of the providers on this list, with Spot and Embrace not too far behind. Trupanion is the most expensive by a long shot, but getting your bills paid directly at checkout may be worth it to you.
The cheapest pet insurance doesn’t always mean the best coverage. Review each provider’s coverage details and exclusions to check if it covers the conditions your pet is prone to. Also, consider if it has the convenience, service, and veterinary care you want for your pet.
Is it worth insuring my dog?
Whether it’s worth insuring your dog depends on your budget and level of veterinary care you want. If your dog gets sick, breaks a leg, or needs surgery, you could end up with a vet bill of a few thousand dollars. Insurance may not be worth the monthly premium if you’re comfortable paying these expenses out of pocket. However, most pet owners aren’t prepared to unexpectedly spend that amount of money. A pet insurance policy provides peace of mind that you won’t be solely responsible for the bill if an accident or illness occurs.
How does pet insurance work, and is it worth it?
Pet insurance doesn’t work that differently from human health insurance. Once you’ve selected a provider, you enroll in a plan and choose a deductible, reimbursement rate, and coverage limit. You’ll need to meet your deductible before your provider begins reimbursing you. They’ll stop reimbursing bills when you reach your annual coverage limit.
The difference between human and pet insurance is that human health insurance providers typically pay their portion of the bill at checkout. With pet insurance, you’ll pay the full cost of your vet bills up-front, file a claim online or by mail, then wait for reimbursement if and when the claim is approved. This can take a few days to several weeks.
Pet insurance may not be worth it if you’re prepared to pay hefty vet bills if they arise. Otherwise, it’s worth it to ensure your pet will receive care without being a financial burden.
How much should you spend on pet insurance for dogs?
That depends on your budget. Pet insurance for dogs typically costs $30–$45 per month in Wyoming. Just be sure to get the coverage you think you’ll actually use at a price you can afford.
Learn more: Best Cheap Pet Insurance Providers
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.