Best Pet Insurance In Indiana: Companies Reviewed For Indianapolis, Fort Wayne & More

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.

Pet Insurance Ranking	Best Overall*	Best Value	Fastest Claim Processing	Best Coverage	Best Newcomer
Company	Pets Best	Figo	Healthy Paws	Embrace	Lemonade
Policy Coverage	Extensive	Extensive	More Limited	Extensive	More Limited
Customer Service & Reputation	Good	Excellent, Stable	Excellent, Stable	Excellent, Stable	Uncertain, New
Claim Processing (avg)	7-14 Days	3 Days	2 Days	5 Days	2 Days
Vet Direct Pay Option
Policy Price (avg)	Lower	Lower	Variable	Higher	Average
Plan Customizations	Many Options	Many Options	Restricted Options	Many Options	Many Options
	Read Review	Read Review	Read Review	Read Review	Read Review

Most Popular Dog Breeds In Indiana

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.

1. German Shepherds
2. Labrador Retrievers
3. Golden Retrievers

How Much Does Pet Insurance Cost In Indiana?

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 2022 was $53.34 ($32.25 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.

Which Cities In Indiana Are Pet-Friendly?

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.

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. 

Pet Insurance Claim: Cost And Reimbursement From Indiana Customer

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

Should I Get Pet Insurance?

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.