Our Rankings of The Best Pet Insurance Companies in Nevada
Based on our research, our top recommendations for pet insurance providers in Nevada include:
What’s the Best Pet Insurance in Nevada?
After researching and reviewing the best pet insurance companies, we chose Lemonade as our No. 1 pick for pet health coverage in Nevada.
What Other Pet Insurance Providers Operate in Nevada?
Compare The Best Pet Insurance Companies in Nevada
When looking for pet insurance, it is important to shop around and compare providers. To get a better sense of the coverage you need, consider your pet’s breed, age, and disease risk, as well as your financial constraints. You can use our tool to compare recommended Nevada pet insurance providers to help make the best decision for you and your pet.
How We Ranked the Best Pet Insurance Providers in Nevada
When ranking pet insurance providers in Nevada, we considered several factors such as availability, plan options and customization, age limits, exclusions, waiting periods, customer feedback and provider reputation. We also conducted nationwide surveys to determine what pet insurance companies and features Nevada pet owners prefer.
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.
To find out more about our research and rating process, read our pet insurance methodology and editorial guidelines.
How Much Does Pet Insurance Cost in Nevada?
Based on our research, the average cost of a pet insurance plan in Nevada is $54 per month for dogs and $31 for cats. Pet insurance costs depend on numerous factors, such as your pet’s breed, age, and geographical location.
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.
Nevada is one of the cheaper states for pet insurance, with an average plan cost -23% lower than the national average of $49 per month.
Compare major pet insurance providers based on costs using the table below.
| Provider | Dog Insurance | Cat Insurance | Overall Average |
|---|---|---|---|
| Lemonade | $46 | $27 | $37 |
| ASPCA | $44 | $20 | $33 |
| Spot | $58 | $26 | $43 |
| Embrace | $48 | $25 | $39 |
| Fetch | $31 | $23 | $29 |
| Figo | $26 | $15 | $21 |
| Healthy Paws | $54 | $21 | $39 |
What’s the Cheapest Pet Insurance in Nevada?
Based on the data we collected, the cheapest pet insurance provider in Nevada is Figo, which has been offering pet insurance in the U.S. since 2021. Figo offers to waive its 15-day waiting period for pet owners who leave their current provider, but according to some online reviews, it may increase your premium without advanced notice. We reached out to Figo for comment on its negative customer reviews but did not receive a response.
Instead of settling on the cheapest pet insurance, we recommend requesting quotes from at least three other insurance providers to compare rates and coverage details.
The Cheapest Pet Insurance Companies in Nevada
| Rank | Company | Average Cost |
|---|---|---|
| 1 | Figo | $21 |
| 2 | Pets Best | $28 |
| 3 | Fetch | $29 |
| 4 | ASPCA | $33 |
| 5 | Lemonade | $37 |
How To Choose the Best Pet Insurance in Nevada
Pet insurance can save you money and ensure your pet gets the veterinary care it needs in an emergency, but it can help to do research and compare plans before purchasing coverage. Determine your top three choices and consider the following factors:
- Coverage and plan types: There are two common pet health insurance plans. Accident-only plans are typically the least expensive and provide coverage for accidental injuries and emergencies such as poison ingestion. Accident and illness plans often cost more but provide comprehensive coverage, including accidents, emergencies, and illnesses. Additionally, most companies also provide wellness coverage add-ons to help cover the cost of preventive and routine care, such as physical examinations, spay and neuter procedures, flea and heartworm prevention, vaccinations and dental care.
- Fine print: Before purchasing a policy, read the fine print, which explains any exclusions and limitations and how the claims process works.
- Customization: Many pet insurance providers offer flexible policies to help provide coverage depending on your budgetary needs. Policyholders can customize deductibles, annual limits and reimbursement rates to arrive at a suitable monthly premium.
- Customer satisfaction: See how policyholders rate pet insurance providers by reading customer feedback on websites such as the Better Business Bureau (BBB) and Trustpilot.
Since states regulate pet insurance laws, coverage availability may differ depending on where you live. Before purchasing a policy, ensure the provider is licensed to sell insurance in Nevada.
Pet Laws in Nevada
Nevada pet laws help protect pets and wildlife from abuse, prevent injury to humans and manage disease spread. Nevada legally requires that all dogs and cats have a current rabies vaccination. The state also outlaws the act of keeping, training, selling or buying dogs with the intent to fight. Other laws vary depending on the county or municipality. Here’s a sampling of pet laws in Nevada cities and counties that our team identified by researching local laws.
Las Vegas Pet Laws
- No person can own or house an animal that annoys a neighborhood with loud or frequent barking, yelping, braying, crowing or making other noises.
- Dogs must wear a current owner identification tag or microchip device. The city also regulates that owners spay or neuter dogs over 4 months old.
- No person can have more than three dogs over 4 months old or more than three cats over 4 months old in any one residence.
Consolidated Municipality of Carson City Pet Laws
- Owners must properly restrain dogs by leash, chain, cord or effective restraint unless on property that legally allows animals off-leash.
- Owners must remove and properly dispose of their pet’s waste.
- Pet owners are responsible for providing appropriate veterinary care in the event of a disease, injury or health issue.
Washoe County Pet Laws
- Residents must keep animals in sanitary conditions.
- Dog owners cannot dock a dog’s tail if more than 5 days old.
- Only a licensed veterinarian can crop a dog’s ears.
Understanding Pet Insurance Terminology
Knowing common pet insurance terminology may help you understand how pet insurance works so you can choose the best plan for you and your pet. Relevant definitions include:
- A waiting period refers to a delay in coverage after your policy starts. During this period, the insurance company does not provide coverage for specific conditions or types of care for a set period of time.
- A pet insurance deductible is the amount of money a pet owner must pay out of pocket for covered veterinary expenses before the insurer will reimburse eligible costs. In other words, it is the portion of the veterinary bill the pet owner is responsible for before insurance coverage takes effect.
- A pet insurance premium is the monthly or annual payment made by a pet owner to the insurance company in exchange for coverage.
- The reimbursement rate is the portion of eligible veterinary expenses the insurance company agrees to pay after a claim is submitted and approved. Pet owners typically have the flexibility to choose a reimbursement rate, but higher reimbursement rates translate to higher premiums.
- Coverage limits are the maximum amount of money an insurance policy will pay for eligible veterinary expenses within a specific time frame or for a particular condition. Companies may impose limits on an annual, per-incident, per-condition or lifetime basis.
Is Pet Insurance Worth It in Nevada?
Pet insurance may provide Nevada residents with peace of mind by helping to cover necessary veterinary care if a pet experiences a medical emergency. With the rising cost of veterinary care, a policy can save pet owners significant money. Pet insurance is often worth the investment, and many companies offer customizable plans so you can find a policy that fits your budget.
Lemonade is our top pick for Nevada pet owners, but we recommend comparing several different pet insurance providers to find the policy that is best for you and your pet.
Frequently Asked Questions About Pet Insurance in Nevada
Nevada veterinarians may encourage their clients to invest in pet insurance. Our experts recommend Lemonade, Spot and Embrace, among others.
Some pet insurance companies, such as Trupanion, offer a $0 deductible option. However, a low deductible will typically result in a relatively high monthly premium.
Additional Pet Insurance Resources
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