Best Pet Insurance in Minnesota 2024

If you live in Minnesota and have a pet, you know how much vet bills can cost. Over time, even regular care can add up, and accidents or illnesses that come out of the blue can wipe out your savings. This is where pet insurance comes in handy.

Getting pet insurance can help you pay for vet bills, and it’s nice to know that your furry friend is safe. It can be hard to figure out which pet insurance company is best because there are so many to pick from.

That’s why this guide is useful. We’ll look at the best Minnesota pet insurance companies, review what they cover and how much they charge, and help you pick the best policy for your needs.

Top 5 Pet Insurance Companies in Minnesota

These are the Minnesota Pet insurance companies we like best:

1. Spot Pet Insurance:

Spot has flexible plans that can be changed to fit your needs. These plans include accident-only, illness-only, and accident-and-illness plans. There is also a deductible reduction scheme through Spot that lowers your deductible every year that you don’t file a claim.

2. Embrace Pet Insurance:

Embrace has a number of options with low premiums and high reimbursement rates. They also have a program called Wellness Rewards that lets you get money back on the costs of preventive care.

3. Healthy Paws Pet Insurance

When it comes to Healthy Paws Pet Insurance, accidents and illnesses are covered for life, and there are no yearly or lifetime limits. Healthy Paws also has a low deductible and a high rate of repayment.

4. Trupanion Pet Insurance

Trupanion covers accidents and sickness for life, and you can choose how much to pay out of pocket. You can cancel your Trupanion insurance at any time and get your money back, so you don’t have to worry about anything.

5. Pets Best Pet Insurance

Pets Best has a number of plans with different levels of coverage that can be tailored to your needs. There is also a unique option on Pets Best called “Accident Forgiveness.” If you don’t file a claim for a year, your deductible for the next accident is waived.

How much does Minnesota pet insurance cost?

In Minnesota, pet insurance costs $35 to $65 a month for a young, healthy dog and $55 to $75 a month for an older dog with health problems. It depends on your pet’s age, breed, and health history, as well as the company you choose and the policy you pick. Also, the cost can change.

It’s important to look at what different companies cover when picking a pet insurance policy. Here is a table that shows how the coverage of our top picks compares:

What do you need to get pet insurance in Minnesota?

In Minnesota, you need the following papers to buy pet insurance:

  • A record of your pet’s shots or microchip registration can help prove their age.
  • Proof that your pet is healthy, like a report from a recent vet visit.
  • Show proof that you own the animal, like a vet record or adoption papers.
  • Your name, location, and phone number so that people can reach you.
  • Things like your credit card number or bank account number that you use to pay for things.

In some cases, you may also need to show extra proof, like a medical report from your vet if your pet already has a problem.

Coverage Comparison

Company Accident-Only Coverage Illness-Only Coverage Accident-and-Illness Coverage Wellness Coverage
Spot Pet Insurance Yes Yes Yes Optional
Embrace Pet Insurance Yes Yes Yes Optional
Healthy Paws Pet Insurance Yes Yes Yes No
Trupanion Pet Insurance Yes Yes Yes No
Pets Best Pet Insurance Yes Yes Yes Optional


Pricing Comparison

The price is another important thing to think about when picking a pet insurance plan. Here is a table that shows how much our top picks cost each month on average:

Company Average Monthly Premium for a Young, Healthy Dog Average Monthly Premium for an Older Dog with Health Conditions
Spot Pet Insurance $35 $55
Embrace Pet Insurance $30 $60
Healthy Paws Pet Insurance $45 $75
Trupanion Pet Insurance $40 $70
Pets Best Pet Insurance $35 $65


You can see that the cost of pet insurance can change based on the business and the cover you pick. Before you choose a policy, it’s smart to get quotes from more than one company.

How to Pick the Best Pet Insurance Plan for You

Before you buy pet insurance, here are some things you should think about:

  • Your budget: Pet insurance can be pricey, so pick a plan that fits your budget.
  • Your pet’s needs: When picking a policy, think about your pet’s breed, age, and health background. Some dog types are more likely to get sick than others at certain times.
  • The type of coverage you want:Do you want coverage for just accidents, just illnesses, or both? Do you want health insurance?

You can start comparing quotes from different companies once you’ve thought about all of these things. Before you pick an insurance, make sure you read all of the small print.

Where can I find Minnesota’s pet laws?

These are some of Minnesota’s most important pet laws:

  1. Rabies shots: All cats and dogs older than three months must get a rabies shot. A qualified veterinarian is the only one who can give the shot.
  2. A pass is needed for any dog older than six months. You can get one from the local animal control office. The license has to be updated every year.
  3. Laws about leashes say that dogs must always be on a leash when they’re in public.
  4. Animal cruelty: It is against the law to hurt, neglect, or harm an animal.
  5. Foreign animals: Some foreign animals can’t be owned in Minnesota because of rules. For some exotic animals, like poisonous snakes and big cats, you need a pass to own them.

Here are some more Minnesota rules about pets:

Dog bites: If a dog hits someone, the dog’s owner has to pay for their medical bills.


Poop scooping laws: : It is against the law to leave dog poop on public land.

Noise laws: It is against the law for a dog to bark too much, especially at night.

Pet deposits: If a tenant has a pet, the landlord can ask for a pet payment. The fee can’t be more than two months’ rent, though.

Pet discrimination: It is against the law for owners to refuse to rent to people who have pets.

You can talk to your local animal control agency or the Minnesota Board of Animal Health if you have any questions about the state’s pet rules.

Why do we need to insure our dogs?

For the same reason that people need health insurance, dogs need pet insurance to cover the costs of unexpected medical bills. Taking your pet to the vet can cost a lot, and even regular care can add up over time. Getting pet insurance can help you give your dog the care it needs without stressing about money.

You should get pet insurance for your dog for the following reasons:

  • It’s normal for dogs to get into trouble because they are curious and like to play. If you break a bone, tear a tendon, or even swallow something, you may need expensive surgery and stay in the hospital.
  • Most of the time, dogs get sick, just like people do. Some illnesses, like cancer and diabetes, can be very expensive to treat.
  • Preventive care is important. Vaccinations, regular visits to the vet, and preventive care can help keep your dog healthy and lower the risk of getting major illnesses. But prevention care can cost a lot, especially for older dogs or dogs with long-term health problems.

All of these things can be paid for by pet insurance, which will give you peace of mind that your dog is safe financially.

What is a good pet insurance cap per year?

What you need and how much you can spend determine a good annual cap for pet insurance. Most experts, though, say that the yearly limit should be at least $5,000. This amount should cover most regular and unexpected costs. A yearly cap of $10,000 or more might be a good idea if you have a breed of dog that often gets expensive health problems.

When picking an annual cap for pet insurance, here are some things to think about:

  • Your budget
  • Your pet’s breed and age
  • Your pet’s health history
  • Your lifestyle and the activities you enjoy with your pet

You can talk to your vet or a pet insurance agent if you need help picking an annual limit for your pet insurance.

What are some of the most common pet insurance claims?

Most of the time, pet insurance claims are made for sickness and accidents. To give you some examples:

  • Accidents: Broken bones, ligament tears, ingestion of foreign objects, cuts, and lacerations.
  • Illnesses: Diarrhea, vomiting, ear infections, skin allergies, and respiratory infections.
  • Chronic health conditions: Cancer, diabetes, arthritis, and kidney disease.
  • Preventive care: Vaccinations, wellness exams, and flea and tick prevention.

Certain types of pet insurance also cover alternative treatments, like acupuncture and chiropractic care. But not all companies offer this kind of security.

It is important to keep in mind that different types of claims will be covered by different kinds of pet insurance. Before you buy your coverage, make sure you read all of the small print carefully.

How to Make a Pet Insurance Claim

Each pet insurance company has its own steps for filing a claim, but here are some general ones:

Contact your pet insurance company: The first step is to contact your pet insurance company and let them know that you have a claim. You can usually do this online, by phone, or by mail.

  1. Talk to your pet insurance company. The first thing you need to do is tell your pet insurance company about your claim. Most of the time, you can do this by mail, over the phone, or online.
  2. Fill out a claim form. Most pet insurance companies will ask you to fill out a claim form. This form will ask you for information about your pet, what happened or what made your pet sick, and what kind of medical care your pet got.
  3. Include supporting documents: You will also need to include supporting documents, like a copy of your vet bill and a medical report from your vet.
  4. A deductible is a fee that you have to pay out of pocket before your insurance company will start to pay.
  5. Wait for your reimbursement. Once your insurance company approves your claim, they will pay you back for the costs they paid.

Here are some more tips on how to file a claim with your pet insurance company:

  1. Get your claim in as soon as possible. Your insurance company can handle it better if you do it right away.
  2. Be thorough and correct: When you fill out your claim form, make sure it is thorough and correct. When you do this, it will help your insurance company handle your claim more quickly and easily.
  3. Keep good records: Keep good records of the vet care your pet received, such as copies of vet bills and medical reports. If you need to, this will help you file a claim.
  4. Question: If you want to know more about how to file a claim, don’t be afraid to ask your insurance company. They’re there to help you.

Is pet insurance for life worth the money?

It depends on your wants and budget to decide if lifetime pet insurance is worth the money. You should think about both the pros and cons.


  • Full coverage: Most lifetime pet insurance plans cover a lot of different accidents and sicknesses, as well as both expected and unexpected care.
  • Peace of mind: It can be nice to know that your pet is covered for life.
  • Protecting your finances: Lifetime pet insurance can help you avoid having to pay huge vet bills out of the blue.


  • Lifetime pet insurance policies can be more expensive than policies that only cover a certain amount of time.
  • Conditions that were already there: Some lifetime pet insurance plans don’t cover conditions that were already there.
  • Changes to policies: Pet insurance companies can make changes to their policies at any time. This could mean that your coverage drops or your fees go up.

Overall, lifetime pet insurance may be a good choice for pet owners who want peace of mind and full coverage. The pros and cons should be carefully thought through before you decide if it is the best choice for you and your pet.

When making your choice about lifetime pet insurance, here are some more things to think about:

  • What kind of health background and how old your pet is: If your pet is young and healthy, a time-limited policy may be a better deal. But if your pet is older or has a health problem that doesn’t go away, you might want to think about getting a lifetime policy to make sure they are always covered.
  • How you live and the things you like to do with your pet: If you’re busy and like to do things outside with your pet, you might want to think about getting a lifetime policy to cover any accidents or injuries that happen.
  • Your budget: policies that cover your pet for life may cost more than policies that cover your pet for a certain amount of time, so the cost should be a part of your choice.

In Conclusion

Getting pet insurance can be a great way to avoid having to pay a lot of money for vet bills. When picking a pet insurance plan, it’s smart to look at what different companies give and how much they cost. When picking a policy, you should also think about your finances and what your pet needs.


If you want to know more about the best pet insurance in Minnesota, read these.

What is pet insurance?

Some types of insurance cover the cost of taking your pet to the vet. One type is pet insurance. It can help pay for things like sickness, accidents, and care that keeps you healthy.

Why would you want to insure your pet?

There are many reasons to get cat insurance, such as:

  • Peace of mind: Knowing that your pet is financially protected can give you peace of mind.
  • Affordability: Pet insurance can help make veterinary care more affordable.
  • Flexibility: There are a variety of pet insurance policies available, so you can choose one that fits your needs and budget.

What are the different types of pet insurance?

When it comes to pet insurance, there are two main types: accident-only coverage and sickness coverage. When you have accident-only coverage, it includes things like broken bones and swallowing foreign objects. Accident and illness coverage protects you against both accidents and sicknesses, like cancer, allergies, and infections.

How much does pet insurance cost?

Pet insurance costs vary based on the company you pick, the type of coverage you choose, and the age, size, and health history of your pet. In Minnesota, on the other hand, pet insurance costs around $30 to $70 a month.

How can I pick the best pet insurance for my pet?

It’s important to think about your income, your pet’s needs, and the type of coverage you want before you buy pet insurance. Before you choose a policy, you should also get quotes from more than one company.

What is the deductible?

Before your insurance company starts to pay, you have to pay a certain amount of money. This is called the deductible. Tax breaks can be anywhere from $50 to $1,000.

What is the reimbursement rate?

Your insurance company will pay back a certain amount of your vet bill. This is called the refund rate. Payment rates can be anywhere from 50% to 90%.

What are pre-existing conditions?

Conditions that your pet already had before the insurance started are called “pre-existing conditions.” Most pet insurance companies don’t cover diseases that were there before the policy was issued.

Can I cancel my pet insurance policy at any time?

You can get rid of your pet insurance at any time. Of course, some businesses might charge a fee to stop.

How do I make a claim?

You will need to send your insurance company a copy of your vet bill in order to make a claim. You might also need to give extra details, like a vet’s report on the animal’s health. Your insurance company will look over your claim and pay you back for the costs they cover.

How long do I have to wait to get pet insurance?

You have to wait a certain amount of time after the policy starts for your pet before you can start making claims. The time you have to wait can be anywhere from 14 to 90 days.

Will my pet’s insurance pay for preventative care?

Some cat insurance companies cover preventative care like shots, wellness checks, and medicines to keep fleas and ticks away. Other companies, on the other hand, do not cover preventative care.

Does pet insurance cover medicines that you need to take?

Prescription drugs are usually covered by pet insurance. But some companies might not cover certain medicines, like those used to treat diseases that were already there.

Does pet insurance cover trips to the dentist?

Some pet insurance companies cover dental care, like getting your pet’s teeth cleaned or having them pulled. Other companies, on the other hand, do not pay dental care.

Does pet insurance cover treatments that aren’t traditional?

There are some pet insurance companies that will pay for unusual treatments like acupuncture and chiropractic care. Other companies, on the other hand, do not pay alternative therapies.

If I have pet insurance, can I go to any vet?

If you have pet insurance, you can go to any doctor. Most companies that offer pet insurance don’t have networks.

How do I get my pet insurance company to pay for my vet bill?

If your cat has insurance, you will need to file a claim with your insurance company to get the money back. Most of the time, you can do this by mail or online. You will need to send a copy of your vet bill and any other paperwork that is asked for. Your insurance company will look over your claim and pay you back for the costs they cover.

How long does it take for pet insurance to pay back a vet bill?

It varies from company to company how long it takes to get pet insurance money back for a vet bill. But most companies will pay you back within two to four weeks of getting your claim.

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