Pet Insurance

Best Pet Insurance In Nebraska: Companies Reviewed For Omaha, Lincoln & More

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Last Updated: June 15, 2023 | 3 min read | Leave a Comment

This content was reviewed by our licensed insurance agent, Michelle Schenker.

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boy with dog in a corn field

There’s no doubt that Nebraskans love the companionship of canines. In fact, nearly half of all Nebraska households have at least one furry family member. And your state has more pet-friendly activities and attractions than many others in the U.S. Whether you love exploring Nebraska’s beautifully diverse landscapes with your pup or if you and your sidekick usually stay close to home, he’s unfortunately always at risk for an unforeseen accident or illness that could require expensive vet treatment.

Fortunately, Omaha and Lincoln rank in the top 10% of America’s largest cities for the most affordable dog insurance premiums and veterinary care costs. But no matter where you live, pet insurance can help your furry friend get the vet care he needs without worrying about how you’ll pay for it. We’ve researched the best pet insurance in Nebraska and offer expert advice about purchasing an affordable policy to help you and your pup.

Pet Insurance Ranking Company Review
Best Overall pets best logo 250 transparent Read Review
Best For Young Pets fetch logo 250 transparent Read Review
Best No-Cap Payouts healthy paws chubb logo 250 png Read Review
Best Coverage embrace logo transparent 200 png Read Review
Best Value figo logo 250 transparent Read Review
Best Newcomer lemonade logo 250 transparent Read Review

A dog’s breed is one of the determining factors for your pet insurance policy cost. Below are the three most popular dog breeds in Nebraska, according to the AKC and Reader’s Digest.

  1. Labrador Retriever
  2. German Shepherd
  3. Golden Retriever

Interestingly, other organizations have reported different most-popular breed lists based on their data analysis. Here are just a few for The Cornhusker State:

  • Goldendoodle – Most popular breed (Embrace Pet Insurance 2022 data)
  • Pembroke Welsh Corgi – Most popular breed (2021 report based on city data collected from Omaha)
  • Havanese – Top-searched breed (2021 report from pet CBD brand Honest Paws based on Google Trends data)
  • Soft-Coated Wheaten Terrier – Top-searched breed (2018 report based on Google Trends data)

How Much Is Pet Insurance In Nebraska?

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. is $53.34 ($32.25 for cats).

Since prices vary based on where you live and 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 below and get estimates from several top providers when you fill out one quick and easy form. This allows you to see how companies compare price-wise. With most companies, you can adjust your monthly premium to meet your needs better. Reducing the deductible, reimbursement percentage, and annual payout can lessen it to fit a lower budget better.

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 see key differences between coverage, waiting periods, age limitations, and more.

Which Nebraska Cities Are Most Pet Friendly?

Your state has a lot to offer pups and their owners. According to Pawsafe‘s analysis of the best states to travel with dogs, Nebraska ranks as the 9th most dog-friendly state in the nation. It’s also the 2nd best state for pet-friendly accommodations and 14th for the most dog-friendly attractions and activities.

And your state’s two largest cities are among the best in the country for dogs. Below are the rankings for the most pet-friendly cities in Nebraska based on the 100 largest U.S. cities. The scores are from 1 to 100, with 1 being the best city and 100 the worst.

Note: Cities outside of Nebraska were excluded from this table.

 Most Pet-Friendly CitiesPet Budget*Pet Health & Wellness**Outdoor Pet-Friendliness***
Omaha1124160
Lincoln2776869

*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 A Nebraska Customer

Below is a real-life pet insurance claim from a Healthy Paws customer in Nebraska.

  • Location: Papillion, NE
  • Condition: Foreign Body Obstruction Surgery
  • Total Vet Cost: $4,136
  • Reimbursement: $3,622
  • Amount Customer Paid: $514

Should I Get Pet Insurance?

Although the cost of veterinary care in Nebraska is lower than the national average, vet expenses for unexpected illnesses and accidents can often take a huge bite out of your financial safety net or be entirely cost-prohibitive. Thankfully, pet insurance helps alleviate this burden, so you never have to choose between your dog’s health and your bank account. Learn more about why pet insurance is worth considering.

The information provided through this website should not be used to diagnose or treat a health problem or disease; it is not intended to offer any legal opinion or advice or a substitute for professional safety advice or professional care. Please consult your health care provider, attorney, or product manual for professional advice. Products and services reviewed are provided by third parties; we are not responsible in any way for them, nor do we guarantee their functionality, utility, safety, or reliability. Our content is for educational purposes only.

Disclaimer: Information regarding insurance company offerings, pricing, availability, and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.

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