Thinking about protecting your furry friend with pet insurance in Wisconsin? The Badger State is home to several top pet insurance companies that offer coverage for unexpected pet bills if your four-legged friend sprains an ankle on a long walk, eats your ski socks, or develops sudden symptoms.
We at Guides Home team have analyzed the issue. Best pet insurance companies Considering each provider’s plan options, coverage and exclusions, costs and more across the country. With this Wisconsin pet insurance review, you can learn more about the top coverage providers in the state and see how each can help you and your pet in the event of an unexpected illness or accident.
Wisconsin’s Top 7 Pet Insurance Companies
Based on our research, here are our top seven picks for pet insurance companies in Wisconsin.
- Figo: Very flexible payment rates
- bring: Our choice for medical coverage
- Fight back: Most health plan options
Embrace: Our Choice for Savings
Healthy Paws: Affordable Unlimited Coverage
Figo: Very flexible payment rates
Bring: Our choice for medical coverage
Wagmo: Most health plan options
To learn more: Wagmo pet insurance review
Types of pet insurance plans
Most pet insurance providers offer one or more of the following types of plans:
- Accident-onlyAccident-only pet insurance covers tests, procedures, medications, and treatments related to injuries your pet suffers as a result of an accident. This includes breaking bones, swallowing foreign objects, injuries, and more. This plan does not cover illness or preventive care.
- Danger and painThis is a more comprehensive plan, including expenses related to injuries and chronic diseases, cancer, and hereditary, congenital, genetic and other diseases.
- Preventive carePet insurance plans do not cover routine or preventative care. However, many providers offer supplemental or stand-alone plans to help cover the cost of a pet’s bill for routine care activities, such as vaccinations, dental exams and wellness care.
Once you know which plan is best for your pet, it’s important to understand how deductibles, annual limits, and reimbursement rates affect your coverage and plan costs or premiums.
The annual limit is the amount the provider pays you each year. The deductible is the amount you are responsible for before your coverage kicks in, per year or per claim. The reimbursement rate is the percentage of each claim that the provider pays after your deductible is met.
Choosing a lower payment rate and higher deductible will lower your monthly payments but increase out-of-pocket costs. If you claim a higher premium and lower deductible, it will increase your coverage but result in higher premiums.
How to choose the right pet insurance provider
There are a few important things to help you narrow down your options for pet insurance providers in Wisconsin. Start with these ideas:
- Your pet needs: Although most providers do not cover pre-existing conditions your pet may have, it is important to consider your pet’s age and breed when searching for pet insurance. Be sure to choose a provider that doesn’t impose restrictions on your senior pet or exclude related breed-specific conditions.
- Customize: Each provider will have different options for plan customization. Is it important to you to adjust your policy’s annual deductible and copayment amount? Looking for an affordable health supplement? Are you willing to pay a little more for 100% payout? Here are some examples of how you can customize the cost and coverage of your pet insurance plan.
- Exclusions: What a plan doesn’t cover is just as important as what it does. Read the fine print of the carrier’s sample policy to understand coverage limitations such as pre-existing conditions, age limits, waiting periods, and more.
- Brand Name: When evaluating pet insurance providers, it’s important to consider feedback from current customers, including their satisfaction after enrollment and during the claims process. Read customer reviews on trusted aggregator sites like the Better Business Bureau (BBB) as part of your pet insurance shopping process.
- Your budget: Some insurance plans are more expensive than others, even if the coverage is equal. It’s important to shop around to find the best plan option that fits your pet’s needs and budget.
Bottom line
Pet insurance can prevent you from paying hundreds or thousands of dollars a year in unexpected pet bills. Injury or illness can happen at any time, and it is important to be prepared. We’ve researched the providers on this list, but each has its pros and cons, depending on you and your pet’s situation.
If no provider on this list meets your pet’s needs, other popular mentions of quality pet insurance for Wisconsinites include the ASPCA and Trupanion.
We recommend getting pet insurance quotes from at least three providers when shopping. It’s also a good idea to read the provider’s sample policy before registering your pet, if they offer one, and talk to a representative if you have additional questions.
Methodology: Our system for ranking the best pet insurance companies
Our rating of pet insurance companies is based on in-depth industry research that includes reading hundreds of customer reviews, simulating the quote and purchase process, speaking with representatives over the phone to assess customer service experience, and surveying 1,000 dog and cat owners nationwide. Determine the most important aspects of pet insurance coverage. Wellness plans cover routine care costs such as grooming, dental cleanings, and vaccinations.
Based on those elements, we scored each supplier on a 100-point scale. We then divided the score for each service provider into a 5-point scale.
Here are more details about each condition and how they are measured:
- Monthly cost (25 points) How much each company charges for its pet insurance plans is an important part of a customer’s decision. The best pet insurance companies combine comprehensive coverage and plan options at affordable prices.
- Plans (15 points) Top pet insurance companies offer accident and illness plans, accident-only plans and wellness or preventive care add-ons for customers to choose the plan that’s best for their pets.
- Covered Treatments (15 points) For this reason, we rely on the treatments and procedures that cover companies. Companies with a wide range of covered treatments and specialty coverage earned more points than providers with more standard or comprehensive policies.
- Customization options (10 points) Customizing your policy is a great way to make sure you only pay for what your pet needs. Providers with more annual-limit, deductible, and payment-rate options received the highest scores.
- Customer Care (10 points) We score companies on the accessibility and overall usability of their websites, customer service offerings, mobile applications (if available), money-back guarantees and veterinary options, providing insurers with additional customer experience offerings.
- Industry reputation (10 points) To determine each company’s industry reputation, we reviewed current ratings and certification data from the Better Business Bureau (BBB) and ranked companies based on years of experience in the industry and state presence.
- Waiting time (10 points) Companies with shorter accident, pain, and bone waiting times between enrollment and coverage start date scored higher than companies with longer waiting times.
- Acceptable age (5 points) Some companies do not offer policies for pets over a certain age. We have deducted points from providers with age restrictions for covered pets.
To help us determine the best pet insurance companies in the industry, we use our ranking system to compare and contrast each company against major factors. Additionally, we update our research and review our reviews regularly.
Mike Miller He is a writer with ten years of experience producing product and service content to help consumers make informed purchasing decisions. Mike has a bachelor’s degree in creative advertising. In his spare time, Mike enjoys riding and repairing motorcycles, reading a good book, and spending time with his wife and two cats.
Tori Addison He is an editor with more than five years of experience in the digital marketing industry. She has worked in communications and marketing in the non-profit, government and academic sectors. A journalist by trade, she began her career covering politics and news in New York’s Hudson Valley. Her work includes local and state budgets, federal financial regulations and health care legislation.