5,534 pet owners requested and received a free no-obligation quote from one of the above companies in the last 30 days.
Our Rankings of Pet Insurance Providers in Nebraska
- Lemonade: Our top pick and the cheapest plan for dogs
- Spot: Best for customizable coverage
- Embrace: Best for multiple pets
- Healthy Paws: Most affordable unlimited coverage
- Figo: Most affordable
- Fetch: Best for comprehensive coverage
- Trupanion: Best for service animals
Lemonade
Our Top Pick
Spot Pet Insurance
Most Customizable
Embrace
Best for Multiple Pets
Healthy Paws
Most Affordable Unlimited Coverage
Figo
Most Affordable
Fetch Pet Insurance
Best for Comprehensive Coverage
Trupanion
Best for Service Animals
Compare Pet Insurance Companies in Nebraska
Nebraska pet owners have no shortage of pet insurance options. Examine each providers’ offerings with our comparison tool.
How Much Does Pet Insurance Cost in Nebraska?
The cost of pet insurance depends on several factors, including your location and your pet’s age, breed and species. Policy prices are typically higher for older pets. You can also expect to pay more to insure a purebred pet because they generally run into more costly health issues.
Our research revealed that the average cost for pet insurance in Nebraska is $53 for dogs and $29 for cats. We calculated this average by gathering quotes from 22 pet insurance providers using ten different sample pet profiles. Sample pet profiles include mixed-breed and purebred dogs and cats, ranging from 3 months old to 8 years old.
Here’s a breakdown of pet insurance costs by pet type and provider.
| Provider | Dog Insurance | Cat Insurance | Overall Average |
|---|---|---|---|
| Lemonade | $41 | $25 | $34 |
| ASPCA | $47 | $22 | $35 |
| Spot | $72 | $32 | $54 |
| Embrace | $45 | $27 | $38 |
| Fetch | $42 | $38 | $43 |
| Figo | $17 | $9 | $14 |
| Healthy Paws | $52 | $20 | $37 |
| Trupanion | $114 | $50 | $89 |
What’s the Cheapest Pet Insurance in Nebraska?
Based on our research, the cheapest pet insurance provider in Nebraska is Figo. It’s also our top pick for pet insurance in Nebraska. However, the company’s accident and illness plan covers only the basics, which means that shoppers seeking comprehensive coverage will need to pay for extra riders.
Keep in mind that price isn’t the only factor to consider when choosing pet insurance. A cheaper plan may not provide the coverage your pet needs.
| Rank | Company | Average Cost |
|---|---|---|
| 1 | Figo | $14 |
| 2 | Pets Best | $24 |
| 3 | Lemonade | $34 |
| 4 | ASPCA | $35 |
| 5 | Healthy Paws | $37 |
How To Choose the Best Pet Insurance in Nebraska
While price is definitely a consideration, there’s more to think about when shopping for a policy. Other important aspects include:
- Coverage and plan types: Your pet’s coverage depends on the plan type. For example, an accident-only plan only covers the cost of vet bills related to injuries, such as fractures and lacerations. An accident and illness plan is more extensive, providing coverage for these issues as well as illnesses such as cancer, diabetes and kidney disease. Some providers also offer optional wellness riders for preventive care coverage.
- Fine print: The fine print delineates the policy’s exclusions, waiting periods and claims process — all things you’ll want to know before choosing a policy.
- Customization: Many providers allow policyholders to adjust their premiums by picking their maximum annual payout, deductible and reimbursement rate. This flexibility can help you arrive at a premium that fits your budget.
- Customer satisfaction: You can lean on other pet owners to help determine if the provider you are researching is a good fit. Read reviews on trusted sites such as the Better Business Bureau and Trustpilot to get unbiased opinions.
The laws and regulations governing pet insurance vary by state, which means the cost and availability of pet insurance depend on where you live. When considering providers, ensure a provider offers coverage in your state before doing extensive research.
What Are the Pet Laws in Nebraska?
There are plenty of statewide laws governing Nebraska pet owners. For example, state law requires all dogs and cats to be vaccinated against rabies, starting at three months old, and they must have a booster vaccine one year later. Municipalities can also impose animal-related laws, including these:
Omaha Pet Laws
- Omaha residents are limited to owning three dogs and five cats at a time.
- Dogs must be on leash or confined in a yard at all times.
- Omaha residents must have a pet for 30 days before being considered pet owners.
Lincoln Pet Laws
- Pet owners can be held responsible if their dog or cat damages someone’s property.
- Pet owners must maintain pet enclosures to prevent offensive odors.
- Cats are not allowed to roam free unless they’re spayed or neutered and have a valid license tag attached to their collars.
Bellevue Pet Laws
- Bellevue pet owners can have up to three pets over six months old.
- All new Bellevue residents must license their pets within 30 days of moving to the city.
- License fees are $26 for intact dogs and cats and $13 for altered dogs and cats.
Understanding Pet Insurance Terminology
When researching pet insurance providers, knowing the lingo can help you understand what each provider offers so you can make an informed decision. Here are some terms you’ll see over and over again:
- The waiting period is the delay between signing up for coverage and when coverage actually begins. Waiting periods can range from two days for accidents to 30 days for illnesses, and some companies have waiting periods of six months or more for orthopedic conditions.
- Your deductible is the amount you pay toward your pet’s veterinary bills annually before the insurance company will start contributing to your bills. Some providers allow you to select your deductible amount. In general, a lower deductible correlates to a higher premium.
- The insurance premium is how much you pay monthly or yearly to maintain coverage for your pet. Premium costs depend on where you live and your pet’s age and breed, as well as your chosen deductible, reimbursement rate and coverage limit.
- Once a claim is approved, the reimbursement rate is the percentage of the veterinary bill the provider will pay out after you meet your deductible. Many providers allow you to choose a reimbursement rate, with the highest rate you can pick typically being 90%.
- Some providers have coverage limits or the maximum amount a company will pay out per incident, annually or over the pet’s lifetime. Some insurers offer unlimited coverage.
Is Pet Insurance Worth It in Nebraska?
In many cases, pet insurance could be worth it for Nebraska pet parents because it ensures their four-legged friends get the care they need after an unexpected accident or while suffering from an illness. Our top picks for the Cornhusker State are Lemonade, Spot and Embrace, but we’re fans of all the providers on our list.
Frequently Asked Questions About Pet Insurance in Nebraska
Nebraska sits firmly within the area of the United States and Canada known as Tornado Alley, so pet owners are right to ask if pet injuries or illnesses related to tornadoes are covered by pet insurance. The answer is generally yes — as long as the condition occurred after enrollment and the specified waiting period.
Pet insurance providers impose waiting periods to protect themselves from fraud. Common waiting periods in Nebraska are two days for accidents, 14 to 15 days for illnesses and six months for orthopedic conditions.
Wellness care such as checkups and vaccines are not covered by pet insurance in Nebraska. However, many pet insurance companies sell add-on wellness plans that can help offset these costs.
How We Ranked and Rated Pet Insurance Providers in Nebraska
To rate pet insurance providers in Nebraska, we considered several factors, including state availability, the average pet age in Nebraska, state veterinary costs and frequently reported accidents and illnesses.
Dog cost data was determined by averaging quotes from providers for a 3-month-old mixed-breed puppy, a 1-year-old medium mixed-breed dog, a 2-year-old golden retriever, a 5-year-old medium, mixed-breed dog and an 8-year-old small-mixed-breed dog.
We determined cost data for cats by averaging sample quotes for a 3-month old kitten, a 1-year-old shorthair cat, a 2-year-old Siamese cat, a 5-year-old mixed-breed cat and an 8-year-old domestic shorthair cat.
We determined the average costs for pet insurance from each provider by obtaining quotes for four representative pets: a 5-year-old male mixed-breed dog, a 2-year-old female golden retriever, a 5-year-old male mixed-breed cat and a 2-year-old female Siamese cat.
To learn more about our process, read our full methodology and check out our editorial guidelines.
Additional Pet Insurance Resources
- Pawlicy Insurance Cost by State
- Banfield Price Estimator
- Nebraska Humane Society
- Nebraska Pet Laws
- Nebraska Department of Agriculture
- Lincoln Animal Ambassadors
If you have feedback or questions about this article, please email the MarketWatch Guides team at editors@marketwatchguides.