Best Pet Insurance In Indiana
In Indiana, having pet insurance can help cover the cost of expensive veterinary visits. Embrace offers the most customizable and comprehensive coverage for pet owners.
Written by
Adeleine Whitten
Adeleine Whitten is a seasoned writer and lifelong pet owner with extensive experience in crafting content about veterinary topics that resonates with a diverse audience. She currently works as an in-house and freelance copywriter in Cleveland, Ohio. In her spare time, you can often find her with a good book or in the Taco Bell drive-thru.
Last Update on Jan 15, 2024
Table of Contents
Having a pet is both a joy and a big responsibility. So although pet insurance isn’t required in Indiana, it can be a good idea to enroll your pet anyway, especially with vet costs continuing to climb.
Pet insurance can help cover the costs of veterinary care if your pet were to become sick or injured. In numerous instances, they make it much easier to get your furry friend the care they need without relying on credit or drawing from savings.
Looking at all the options for Indiana pet owners, these companies offer the best combination of coverage and value:
Top Pet Insurance Providers In Indiana
Best for customizable coverage
Embrace
App availability
Yes
Types of pets covered
Cats and dogs
Waiting periods
2 days for accidents, 14 days for illnesses, 6 months for orthopedic conditions
Maximum annual coverage
$5,000, $8,000, $10,000, $15,000, $30,000
Reimbursement choices
70%, 80%, 90%
Deductible choices
$200, $300, $500, $750, $1,000
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Pros
- Coverage, including deductible, reimbursement percentage, and annual maximum, can all be customized
- 24/7 telehealth access
- Vet exam fees are included in coverage
Cons
- 6 month waiting period for orthopedic conditions
- Cannot pay vet directly
- No wellness insurance coverage
Additional Details
Embrace plans include choices for coverage, deductible, reimbursement amount, and annual maximums and cover a wide variety of accidents and illnesses. Additionally, their wellness rewards plan can help you budget for preventative care as well.
Coverages
- Customizable plans cover nearly all accidents, illnesses, and conditions
- Wellness rewards program to help budget for preventative care
Claims process
- Online through the Embrace website or app
Coverage details
- Accidents include broken bones, ligament tears, osteosarcoma, and more
- Illnesses include dental illnesses, lyme disease, parasites, parasites, and other preventable illnesses
- Conditions include cancer, arthritis, diabetes, hip dysplasia, allergies, and other breed-specific, congenital, and genetic conditions.
- Coverage includes treatments, rehabilitation, emergency care, hospitalization, surgery, specialist care, diagnostic testing, and prescription medications.
Best for comprehensive coverage
ManyPets
App availability
Yes
Types of pets covered
Cats and dogs
Waiting periods
15 days for accident and illness coverage, 24 hours for wellness coverage
Maximum annual coverage
Unlimited
Reimbursement choices
70%, 80%, 90%
Deductible choices
$100, $250, $500
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Pros
- Vet exam fees are included in coverage
- No extended waiting period for cruciate ligament injuries
- No annual or lifetime maximums
Cons
- 15 day waiting period for accidents and illnesses
- No 24/7 telehealth access
- Cannot pay vet directly
Additional Details
ManyPets offers comprehensive coverage for various accidents, illnesses, and conditions. Their plans cover exam fees related to accidents or illnesses and have no annual or lifetime maximums, so you can always get your pet the care they need.
Coverages
- Accident and illness plans
- Optional wellness coverage
Claims process
- Online through the ManyPet portal or by phone
Coverage details
- Accident and illness plans cover vet visits, exams, diagnostic testing, prescription medications, and other costs related to conditions such as broken bones, road accidents, poisonings, sickness, disease, hereditary conditions, cancer, dental illnesses, and more
- Wellness add-on covers costs for care such as vaccines, vitamins, supplements, dental cleanings, testing, and parasite prevention.
Best for short waiting periods
Pets Best
App availability
Yes
Types of pets covered
Cats and dogs
Waiting periods
3 days for accidents, 6 months for cruciate ligament events
Maximum annual coverage
$5,000, Unlimited
Reimbursement choices
70%, 80%, 90%
Deductible choices
$50, $100, $200, $250, $500, $1,000
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Pros
- 24/7 access to telehealth for pets
- 3 day waiting period for accidents
- Various coverage and plan types
- No upper age limit or reduced coverage for older pets
- Option to pay vet directly
Cons
- 6 month waiting period for cruciate ligament injuries
Additional Details
Pets Best users can choose from a variety of accident and illness plans, accident only plans, and additional add-ons, based on what they need. Pets Best also processes claims quickly, has short waiting periods, and provides a 24/7 telehealth line.
Coverages
- Accident and illness plans
- Accident only plans
- Optional add-on for routine care
Claims process
- Online via the Pets Best website or mobile app or through email, fax, or standard mail.
Coverage details
- All accident and illness plans cover accidents, illnesses, cancer treatments, hereditary and congenital conditions, emergency care, hospitalization, surgery, ongoing and chronic conditions, diagnostics, behavioral conditions, dental, prosthetic devices and wheelchairs, and end of life care.
- Most accident and illness plans cover exam fees, acupuncture and chiropractic treatments, physical rehabilitation, and prescription medications.
- Accident only plans cover accidents such as broken bones, foreign object swallowing, poisoning, car accidents, lacerations, or snake bites.
- Routine care add-on covers expected veterinary visits, vaccinations, dental cleanings, and other expected medical care.
Best for unique coverage situations
Fetch (Formerly Petplan)
App availability
Yes
Types of pets covered
Cats and dogs
Waiting periods
15 days for injuries and illnesses, 6 months for hip or knee injuries
Maximum annual coverage
$5,000, $10,000, $15,000, Unlimited
Reimbursement choices
70%, 80%, 90%
Deductible choices
$300, $500, $700
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Pros
- Variety of annual maximums, reimbursement percentages, and deductible choices
- Vet exam fees are included in coverage
- Covers advertising fees and rewards for lost or stolen pets
- Covers boarding and kennel fees
- Covers virtual vet visits
- Waiting periods can be waived with a thorough vet visit before coverage begins
Cons
- 15 day waiting period for injuries and illnesses
- 6 month waiting period for hip and knee injuries
- No 24/7 telehealth access
- No accident only plan or add-ons
- No wellness plan offerings
Additional Details
Brief intro to the provider: Fetch by The Dodo (formerly known as Petplan) offers various pet insurance for residents of Indiana, so pet owners can customize it based on their needs and budget. They also offer coverage for unique situations, including lost pet rewards and boarding.
Coverages
- Only one accident and illness plan
Claims process
- Online through the Fetch website or mobile app.
Coverage details
- Covered conditions include swallowed objects and toxins, diabetes, allergies, vomiting, diarrhea, hereditary/congenital issues, breed-specific issues, cancer, dental work, and gum disease.
- Treatment includes emergency vet visits, hospital stays, surgeries, x-rays, CT scans, lab tests, ultrasounds, blood tests, specialists, physical therapy, name brand prescription medication, and supplements.
- Accident and illness plan also covers sick-visit exam fees, boarding fees, advertising for missing pets, and reward costs.
Exclusions And Limitations
Although pet insurance is beneficial at covering many veterinary costs, each pet insurance provider and policy will maintain its own set of exclusions or limitations. For instance, pre-existing conditions are typically not eligible for coverage in most pet insurance plans.
Veterinary costs that occur during the waiting period, which is the time between enrollment and the beginning of coverage, are also not eligible for reimbursement. The waiting period duration may vary for accidents, illnesses, and more severe conditions.
Unless otherwise specified, you can expect your pet insurance plan to exclude the following as well:
- Costs related to boarding or daycare
- Cosmetic procedures such as ear cropping, tail docking, or declawing
- Experimental treatments
- Expenses associated with breeding or pregnancy
Cost Of Pet Insurance In Indiana
The cost of your individual pet insurance plan will depend on several factors, including:
- Pet type
- Pet breed
- Pet age
- Pet medical history
- Location
- Coverage amount and add-ons
- Annual maximum, reimbursement percentage, and deductible
- Any applicable discounts, such as multi-pet or loyalty
Pet owners in Indiana can expect their monthly premiums to fall around the average costs in the state:
- Dogs: $14 – $98
- Cats: $10 – $38
- Exotic pets: $10 – $100
Cost Of Pet Insurance In Indiana Versus Other Regions
The cost of living in Indiana is relatively low, meaning veterinary costs are typically lower than average. However, availability can still play a role in the cost of a vet visit. The cost of pet insurance will be based on these factors in your area.
In Indiana, the cost to insure dogs is significantly lower than the national average, while the cost to insure cats tends to be higher. Fort Wayne and Indianapolis typically have higher costs in the state, whereas more rural areas will often be on the lower end of the spectrum.
Pet Laws In Indiana
Whether you reside permanently in Indiana or are just visiting, it’s important to be aware of any statewide or local laws that may apply to you and your pet. For example, Indiana has enacted the following law regarding pet ownership:
- Every dog, cat, and ferret 3 months or older must be vaccinated against rabies
Additionally, some cities across Indiana have implemented their own laws that must be followed as well:
Indianapolis
- Dogs and cats 3 months or older must have permanent identification at all times in the form or a tag or a microchip
- Animal waste must be promptly removed and disposed of
- Animals may not be tethered between the hours of 11pm and 6am
Fort Wayne
- No animal shall remain outside for more than 15 minutes without access to adequate shelter and water
- Animals may not be tethered between the hours of 11pm and 6am
Frequently Asked Questions (FAQs)
Will My Vet Accept Pet Insurance?
Because pet insurance works on a reimbursement model, they will not work with your vet directly to provide you with coverage. Instead, they will reimburse you directly for your cost of care, meaning you can visit any licensed veterinarian.
How Does Pet Insurance Reimbursement Work?
After your pet receives veterinary care, you will be responsible for paying the bill directly to the vet. Then, you can submit a claim for reimbursement. Once that claim is approved, your insurance provider will send you reimbursement based on the details of your policy.
What Is Considered A Pre-existing Condition In Pet Insurance?
Pre-existing conditions are typically defined as conditions that are present before a pet is enrolled in pet insurance or that begin during the waiting period. In some cases, insurance providers may still cover these conditions after a period of time if they are considered curable.
When Should I Enroll My Pet In Pet Insurance?
Most insurance plans allow pet owners to enroll their pets at eight weeks of age, although you can do it later in life as well. Keep in mind, however, that some plans may implement age maximums for new enrollments.
Find out more
- Senior Pet Insurance – Coverage options for the unique needs of older pets.
- Pet Insurance That Pays the Vet Directly – The convenience and benefits of direct payment plans.
- Pet Insurance for Pre-existing Conditions – How to find coverage for ongoing health issues.
- Spot Review – A detailed review of Spot’s insurance offerings.
- What is Pet Insurance? – A beginner’s guide to understanding pet insurance.
- Pet Dental Insurance – The importance of dental coverage for your pet’s health.
- Accident-Only Pet Insurance – Is an accident-only policy right for your pet?
- Life Insurance for Pets – Considering the long-term security of life insurance.
Adeleine Whitten
Author
Adeleine Whitten is a seasoned writer and lifelong pet owner with extensive experience in crafting content about veterinary topics that resonates with a diverse audience. She currently works as an in-house and freelance copywriter in Cleveland, Ohio. In her spare time, you can often find her with a good book or in the Taco Bell drive-thru.
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