To keep the lights on, we receive affiliate commissions via some of our links. Our review process.
Home to the Indy 500, the Fighting Irish, and Michael Jackson and his family, the Hoosier state is much more than vast farmland. Exploring the dunes with your pooch is a great way to spend the day, but what if Fido gets injured? That’s where pet insurance comes in handy.
For more than ten years, we’ve reviewed dozens of pet insurance providers and recommend the best options for you in Indiana. Our top picks are chosen based on coverage, price, reputation, claim processing, and more.
All of our top-ranked companies offer coverage in Indiana. Your premium is based on your dog’s breed, zip code, pre-existing conditions, and more. We’ve provided some information and stats for you to consider before signing up with an insurance provider.
|Best Pet Insurance Ranking||Best Overall||Best Value||Fastest Claim Processing||Best Discount For Multiple Pets||Best Newcomer|
|Company||Pets Best||Figo||Healthy Paws||Embrace||Lemonade|
|Policy Coverage||Comprehensive||Comprehensive||More Limited||Comprehensive||More Limited|
|Customer Service & Reputation||Good||Excellent, Stable||Excellent, Stable||Excellent, Stable||Uncertain, New|
|Claim Processing (avg)||25-40 Days||3 Days||2 Days||5 Days||2 Days|
|Price Of Policy (avg)||Lower||Lower||Varies||Higher||Lower|
|Plan Customizations||Many Options||Many Options||Restricted Options||Many Options||Many Options|
|Read Review||Read Review||Read Review||Read Review||Read Review|
A dog’s breed is one of the determining factors for your pet insurance policy cost. Below is a ranking of the most popular dog breeds in Indiana.
- German Shepherds
- Labrador Retrievers
- Golden Retrievers
Pet insurance pricing is based on your pet’s details (e.g., age, breed, location, etc.). According to NAPHIA (North American Pet Health Insurance Association), the average monthly premium for an accident and illness dog insurance policy in the U.S. in 2020 was $49.51 ($28.48 for cats).
Since prices vary based on where you live as well as your pet’s unique characteristics, the best way to determine how much it would cost you is to complete our quick pet insurance quote form and get estimates from top providers. This allows you to see how companies compare when it comes to price. With most companies, you can also adjust your premium by lowering the deductible, reimbursement percentage, and annual payout to make the annual or monthly bill better fit your budget.
Once you have your customized price quotes, you may wonder how coverage varies among the different companies. Our pet insurance comparison includes multiple charts to help you clearly see the key differences for each provider when it comes to coverage, waiting periods, age limitations, and more.
Readers often find it helpful as well to understand how pet-friendly their hometown is. For this reason, we share how the 100 largest cities in the U.S. rank. Note: Cities that fall outside of Indiana were excluded from this table and smaller cities are not included.
|Most Pet-Friendly Cities||Pet Budget*||Pet Health & Wellness**||Outdoor Pet-Friendliness***|
Additionally, Indianapolis and Fort Wayne are tied for second for having the lowest dog insurance premiums based on 100 of the largest U.S. cities. That means you are likely to have relatively affordable rates. And according to a study from Joy Organics CBD, Indiana is 22nd for being the most dog-friendly state. The state also ranks high for the number of pet shelters per 100,000 residents (3.8) and 69% of Hoosiers are pet owners.
*Pet budget was determined by considering vet care costs, minimum pet-care provider rate per visit, and dog insurance premiums.
**Pet health and wellness was determined by considering veterinarians per capita, pet caretakers per capita, animal trainers per capita, pet businesses per capita, dog-friendly restaurants per capita, dog-friendly shops per capita, pet meetup groups per capita, doggie daycare and boarding establishments per capita, pet-friendliness of rental markets, average home square footage, share of single-family detached homes, share of homes with one or fewer occupants per room, animal shelters per capita, and strength of animal protection laws.
***Outdoor pet-friendliness was determined by considering weather, dog parks per capita, parkland as a share of the city area, walk score, dog-friendly trails per capita, and dog shows per capita.
Below is a real-life pet insurance claim from a Healthy Paws customer in Indiana.
- Location: Indianapolis, IN
- Condition: Dental fracture surgery
- Total Vet Cost: $3,000
- Reimbursement: $2,610
- Amount Customer Paid: $390
Pet insurance provides peace of mind, knowing you won’t be responsible for thousands of dollars in vet bills if your dog needs extensive medical treatment. You’ll never be faced with choosing between your wallet and saving your pet’s life. Learn more about why pet insurance is worth considering.