7 Best Pet Insurance Companies in Nebraska: 2022

With more river miles than any other US state, Nebraska is a great place to raise a pet, especially one that enjoys long walks. However, an accident or illness can occur at any time. Investing in pet insurance can help prepare you for unexpected veterinary bills in these cases.

Many providers offer quality pet health insurance in Nebraska, reimbursing between 70% and 100% of veterinary care. We at the Home Media Critics Team have researched best pet insurance companies to see how they compare in coverage, cost and unique benefits. Check out our top recommendations for pet insurance policies in Nebraska to find the right one for you and your pet.

The 7 Best Pet Insurance Companies in Nebraska

Here are our top seven picks for the best pet insurance companies in Nebraska based on our research.

Lemonade: the most affordable packages

To learn more: Spot Pet Insurance Review

Get your quote: Visit the Spot website

Embrace: our choice to save money

Healthy Paws: Our pick for affordable unlimited coverage

Figo: the most flexible reimbursement rates

To learn more: Figo Pet Insurance Review

Get your quote: Visit the Figo website

Fetch: our choice for therapeutic coverage

To learn more: Retrieve pet insurance exam

Get your quote: Visit the Fetch website

Trupanion: the most flexible franchise

Types of Pet Insurance Plans

Most pet insurers offer three types of plans.

  • Accident only: Accident-only policies cover tests, treatments, procedures, hospital stays, medications and other veterinary care related to injuries and accidents. These policies do not cover costs related to your animal’s illness.
  • Accident-and-illness: These plans are more comprehensive and cover accidents such as lacerations and fractures, as well as illnesses such as cancer and hereditary, congenital and genetic conditions.
  • Preventive supplements: Preventative care is rarely included in a provider’s basic plan, so you’ll need to purchase an add-on if you want this coverage. These add-ons reimburse for annual exams, vaccinations, heartworm monitoring and other routine care.

Once you’ve chosen a plan, you’ll need to choose your coverage limit, deductible, and reimbursement rate. Your coverage limit is the maximum amount a provider will pay for your veterinary claims per year. The annual deductible is the maximum amount you will pay out of pocket per year or per condition, and the reimbursement rate is the percentage of each claim that the provider will pay.

A low reimbursement rate and high deductible will lower your monthly premium, but you’ll pay more out of pocket when you file a claim. A high reimbursement rate and low deductible will reduce your outgoings but increase your monthly rate.

How to Choose the Right Pet Insurance Provider

There are a few factors to consider when selecting a pet insurance provider. Start with these considerations:

  • Personalization: What kind of add-ons does the company offer? Are you looking for specific benefits? Can you customize your monthly deductible or premium?
  • Your budget: While it’s instinctive to want the maximum coverage for your pet, make sure the monthly premium fits your budget. Also keep in mind that some providers increase premiums as your pet ages. We recommend getting quotes from at least three companies to compare prices and find the best deal.
  • Your pet’s needs: If you have an older pet or a breed with certain conditions, make sure your selected plan will cover the care required.
  • Exclusions: Check what each provider covers and does not cover. Review their policies for pre-existing conditions, age limits, and other fine print so you don’t get any surprises.
  • Brand reputation: Find out what customers have to say about their experiences with each company. Read customer reviews on sites like Trustpilot and the Better Business Bureau (BBB).

Bottom Line: Which is the Best Pet Insurance Company in Nebraska?

The right pet insurance provider will provide the coverage you want at a premium you can afford. We’ve looked at every company on this list, but they all have pros and cons. Make sure you understand what’s covered and what’s not, and what to expect from your selected provider. It’s a good idea to review a sample policy (which most providers offer) and speak to a representative to answer any lingering questions before enrolling your pet.

Compare Pet Insurance Providers in Nebraska

See how these Nebraska pet insurance providers compare based on data collected through our secret shopping process.

* Each provider’s monthly cost is based on accident and sickness insurance premiums from quotes we obtained for 4-year-old medium-sized dogs in Columbus, Neb. Pricing may vary depending on the age, breed and location of your pet, we recommend obtaining quotes directly from the companies for the most accurate cost information.

Methodology: Our Ranking System of the Best Pet Insurance Companies

Our review of pet insurance companies is based on extensive industry research that includes reading hundreds of customer reviews, simulating the quote and buying process, talking to representatives by phone to rate customer service experience and survey of 1,000 dog and cat owners nationwide to determine the most important elements of pet insurance coverage.

We rated each vendor on a 100-point scale based on these elements. We then divided the points earned for each vendor’s final score on a 5-point scale.

Here are more details on each factor and how they are weighted:

  • Monthly fee (25 points): The amount each company charges for their pet insurance plans is an important part of a customer’s decision. The best pet insurance companies combine comprehensive coverage and plan options with affordable rates.
  • Diets (15 points): Major pet insurance companies offer accident and sickness insurance plans, accident-only plans, and wellness or preventative care supplements to give customers the flexibility to choose a plan. that is best for their pet.
  • Treatments covered (15 marks): With this factor, we rated companies based on the treatments and procedures they cover. Companies with a wide range of included treatments and unique coverages received more points than providers with more standard or general policies.
  • Customization options (10 points): Customizing your policy is a valuable way to ensure that you only pay for what your pet needs. Providers with more annual limit, deductible and reimbursement rate options scored higher.
  • Customer service (10 points): We rated companies on the accessibility and overall usability of their website, availability of customer service, mobile apps (if available), money back guarantees and veterinary telehealth options, awarding points to insurers with more customer experience offers.
  • Industry reputation (10 points): To determine each company’s reputation in the industry, we reviewed up-to-date ratings and accreditation information from the Better Business Bureau (BBB) ​​and rated companies on their years of industry experience and their availability in the state.
  • Waiting times (10 points): Companies with shorter accident, sickness and orthopedic wait times between the date of enrollment and the start date of coverage scored higher than companies with longer waiting times. longer waits.
  • Eligible age (5 points): Some companies don’t offer policies for pets over a certain age. We have deducted points from providers who have age limits for covered pets.

We use our rating system to compare and contrast each company on key factors to help us determine the best pet insurance companies in the industry. Additionally, we keep our research up-to-date and review our reviews regularly.

Kristan F. Talley