Nevada is an amazing place to live, but along with that amazingness comes high temperatures and several venomous creatures enjoying life in the desert landscape. That makes life in Nevada a bit dangerous for your pet, so if your pet gets injured or ill in this desert state, you could be looking at substantial vet bills. However, purchasing pet insurance can help you offset the cost of those bills.
Luckily, there are plenty of pet insurance providers in Nevada; it just comes down to choosing the right one for your pet. But how can you find the best one?
We’re here to help by sharing the 10 best pet insurance plans in Nevada, their pros and cons, and more! Keep reading to learn what you need to know about pet insurance in the Silver State!
A Quick Look Our Favorites in 2023
The 10 Best Pet Insurance Plans in Nevada
1. Lemonade Pet Insurance – Best Overall
If you’re seeking the best pet insurance plan Nevada has to offer, then you’ll want to look at Lemonade. This company has a fantastic basic plan that covers tons of things—accidents, illness, congenital conditions, medications, surgery, cancer, and diagnostic services—while still having some of the lowest monthly premiums around. Lemonade also gives you the option of two other plans besides this one that offers you coverage for more, including routine items, as well as five add-ons that cover a host of health services from physical therapy to dental health. And with three deductible and reimbursement rate choices, along with five options for annual limits, you can customize your plan to meet your budget needs.
However, be aware that the more add-ons you go with, the higher your monthly premium will be. Lemonade also has certain age and breed exclusions for coverage, such as an age cap of 14 years and a 6-month waiting period before any cruciate injuries can be covered.
2. Bivvy Pet Insurance – Best Value
By far and away, Bivvy provides the best value for pet insurance, as they have a single basic plan for a single rate across the board ($13). So, whether you have a cat or a dog, your monthly premium will be that rate regardless of age and breed. The downside to this low monthly premium is that Bivvy doesn’t provide as much coverage as other insurance companies.
This plan does cover accidents and illnesses, chronic conditions, and a handful of other basic items, but that’s it. On the plus side, Bivvy gives you the option of a wellness plan add-on for just a few more dollars that provides coverage for routine care. However, Bivvy doesn’t offer much customization for their insurance—everyone gets a low annual limit, deductible per claim, and 50% reimbursement rate.
Besides being extremely affordable, the sign-up process for Bivvy is fast—it only takes 5 minutes to get your cat or dog insurance!
3. Spot Pet Insurance
If it’s incredibly customizable plans that offer the robust coverage you’re looking for, Spot Pet Insurance could be a great fit. Spot’s accident and illness plan and accident-only plan cover much in the way of emergency care while giving you the choice of a vast range of annual limits and deductibles, so you can customize your plan as needed. They also offer some wellness add-ons for items such as spay/neuter (an uncommon item to be covered!) and dental cleaning.
You’ll need to pay attention to how you’re customizing your plan, though, as certain deductible and annual limit options can cause monthly premiums to be relatively high. But with so much customization, it should be easy to find an affordable price. Spot also offers a telehealth option that’s available 24/7 and has no age cap limit for signing up your pet.
4. Fetch by Dodo
Fetch by Dodo used to be known as PetPlan, so it’s been around for a while, which means this company knows what they’re doing! Fetch provides comprehensive plans that cover everything from illness, accident, dental, alternative therapies, and more, with flexible options for reimbursement rates, annual limits, and deductibles. And though Fetch doesn’t cover routine items or offer add-ons that cover these, their basic plan covers several things other companies don’t, so it could be a good trade-off depending on your needs.
Pet parents have also praised Fetch for its customer service, as it is quick and efficient. Plus, claims can be submitted either via their app or online, with fast turnaround times and the option of having your claim payment directly deposited.
5. Trupanion Pet Insurance
Though Trupanion only has a single plan, they give you several deductible options to choose from to help customize this plan. However, that’s about it in the way of customization. The good news, though, is that Trupanion has a 90% reimbursement rate, lifetime per-condition coverage (so no more paying for a health issue after you’ve met the deductible for it), and no coverage cap. The bad news is the high reimbursement rate does mean monthly premiums with Trupanion are a bit higher than other companies, but you can offset that a bit with your choice of deductible. Though this plan is fairly comprehensive, it doesn’t cover routine care, but there are a couple of add-ons for that sort of thing.
One of the great things about Trupanion is that instead of having you pay your vet, submit a claim, then get reimbursed, the company can pay your vet directly (if your vet has the required software). Trupanion also provides customer service 24/7, which is great for those after-hours emergencies.
6. Embrace Pet Insurance
Embrace Pet Insurance is a winner for most cats and dogs, but especially for those that are less accident-prone and better at staying healthy. That’s because for each year you don’t submit any claims, your deductible goes down by $50! But even if you have a pet that is prone to injury from running around or has a chronic condition, you can still find an excellent plan with Embrace.
Embrace’s plans cover most of the usual stuff, such as chronic illnesses, accidents, preventable illnesses, orthopedic conditions, and genetic conditions, and give you tons of ways to customize. You can choose from five deductible options, plus a range of reimbursement rates and annual limits. Embrace also offers several discounts for already having your pet fixed, being a military member, or enrolling more than one pet!
And though pet insurance companies don’t cover pre-existing conditions, Embrace does have an option that covers some pre-existing conditions (provided they are curable and your pet has been free of symptoms for at least a year). So, that’s pretty great! And to give you some coverage for routine care, Embrace has a Wellness Rewards program.
However, all companies have negatives, and one of Embrace’s is the several complaints from pet parents about how slow claims are paid out.
7. Pumpkin Pet Insurance
Pumpkin Pet Insurance’s monthly premiums are a bit higher than many others on this list, but they also give you comprehensive coverage that has fewer restrictions than other companies. Just a handful of the many things Pumpkin provides coverage for include illnesses, accidents, diagnostics, prescription diets, microchipping, dental health, and holistic treatments.
Part of the reason Pumpkin’s premiums are higher than most is due to the fact all of their plans give you a 90% reimbursement rate. Other than the single reimbursement rate, you can pick from three deductibles and three annual limits, so there is a bit of customization available to you.
If you need help on a weekend, though, you’re out of luck, as Pumpkin doesn’t offer customer support or help with claims on weekends.
8. Figo Pet Insurance
There have been a couple of pet insurance companies thus far that offer a 90% reimbursement rate; well, Figo takes it a step further and gives you a 100% reimbursement rate! That means monthly premiums are pricier than most other companies on this list, though. Along with the reimbursement rate, you’ll find their illness and accident plan has no caps for claim payment. This plan also gives you great coverage, with the option to choose “Power Ups” (or add-ons) to get coverage for exam fees, routine care, and more.
Another bonus of Figo is its customer service, which can be reached by phone, email, or text, so you can get questions answered quickly and easily. Figo also has a 3-day turnaround for processing claims.
9. Healthy Paws Pet Insurance
Healthy Paws only has a single plan for illness and accident, but that plan offers you no incident caps, unlimited lifetime payouts, no annual limits, and fast processing of claims. And this plan comes with affordable premiums (though premiums for pets under 6 will be a bit cheaper and more flexible). However, the reimbursement rate decreases as your pet ages and certain benefits become fixed.
Healthy Paws also comes with an age limit cap, though that cap is set at 14 years old, so you have lots of time to enroll your pet.
10. Nationwide Pet Insurance
So far, all of the pet insurance companies on this list only offer coverage for cats and dogs, so what do you do if you have a bird or a more exotic pet? You go with Nationwide. This is the only company that covers pets other than cats and dogs (though they cover those too). But even though they cover pets outside cats and dogs, Nationwide is fairly limited when it comes to plan customization (only one of their plans has reimbursement rate options). They also don’t provide add-ons for routine care. And cats and dogs get an age limit cap of 10 years.
So, if you have a bird or exotic pet, this is the company you need, but if you have a cat or dog, you’ll do better with a different pet insurance company.
Buyer’s Guide: How to Choose the Best Pet Insurance Plan in Nevada
What to Look for in Pet Insurance in Nevada
When it comes to what one needs to look for in pet insurance in the state of Nevada, there are a handful of things to consider. First and foremost is whether a policy covers what you need it to. Next is whether a policy is affordable enough to fit your budget. Then, you should look at the reputation of the pet insurance company, when and how claims are paid, how customizable plans are, and how good their customer service is.
Policy Coverage
The type of policy coverage you require will depend upon the type of pet you have, their age, and their health. And since pet insurance plans can vastly vary in what they cover, you’ll need to take a close look at any policy before purchasing. Most insurance companies will have a basic illness and accident plan and a plan for accidents only, both of which tend to cover similar items, no matter the company. But some insurance companies will offer coverage for non-routine items through those plans, while other companies will offer that type of coverage in the form of add-ons. So, consider carefully what your pet currently needs and might need in the future and choose accordingly.
Customer Service & Reputation
No matter how good of coverage a policy offers, it won’t be enough if you end up having questions and can’t reach anyone at the insurance company. That’s why you need to look at a company’s customer service to see if it’s easy to get in touch with, how well they respond to inquiries, and how quickly they reply.
You’ll also want to know how good (or bad) a reputation a company has. No matter how excellent a policy seems, it won’t be beneficial if it turns out the insurance company has a habit of denying claims. So, take a look at reviews from other pet parents who have used the insurance company to see what they’re saying. The Better Business Bureau and TrustPilot are great for finding reviews!
Claim Repayment
Or maybe an insurance company doesn’t deny claims often but is incredibly slow at processing claims and paying out reimbursements. One of the main ideas behind getting pet insurance is to be able to be reimbursed for vet costs, so if a company takes weeks or months to reimburse claims, it may not be worth it. This is another area where reviews from others come in handy!
Other than seeing how quickly claims are paid, you’ll need to find out how to submit claims (online, via mail, via app) and how claims are paid out (by direct deposit, mailed check, or straight to the vet).
Price of Policy
How much monthly premiums are is an aspect that’s right up there with policy coverage. Monthly premiums can vary not only between different insurance companies but within the same company (depending on how you tweak the plan’s customizations), so you’ll have some leeway here. But you might find that one company offers the same coverage as another for twice the price, so it’s good to shop around.
Luckily, there are enough pet insurance companies out there that you shouldn’t have an issue finding something to fit your budget. One thing to remember, though, is that monthly premiums for dogs will always be higher than those for cats!
Plan Customization
How customizable a plan is will determine how high or low your monthly premium is and the type of coverage you’re getting. Pet insurance plans that offer you more customization in the way of deductibles, annual limits, and reimbursement rate options will be more helpful. Most companies will offer a fair amount of flexibility, but there are a few that offer little to none, so pay attention!
FAQ
Can I Use My Pet Insurance Outside the U.S.?
You can! Unfortunately, though, you’re limited to Canada for the most part. There are one or two companies out there that will allow you to use your pet insurance in other countries or U.S. territories, but the majority only allow you the option of using your plan in Canada or the U.S.
What If My Insurance Company Is Not Listed in Your Reviews?
If you already have pet insurance from a company not listed here (or are considering insurance from a company not listed here), you can find out more about them by visiting either the Better Business Bureau or your state’s Department of Insurance.
Can I Keep Using My Vet After I Buy Pet Insurance?
Absolutely! Unlike our insurance which sometimes requires us to see a certain doctor, pet insurance allows you to see any vet. So, you can keep using your same vet after buying pet insurance. Some companies might have rules about switching vets, though, so check into that if you’re considering a new vet.
What the Users Say
All the pet insurance companies listed here have a four-star or higher rating on TrustPilot, so they’re all fairly popular with pet parents. Of course, there are some complaints, such as about Embrace’s slowness in reimbursing claims. But for the most part, these pet insurance companies are well-liked.
Companies are liked for different reasons, though. Many people love the affordability of Lemonade, while others love the fantastic customer service that comes with Fetch. Still, others appreciate Bivvy’s one rate for all pets, while others love the fact that Nationwide covers birds and exotic pets. Each company has different strengths and weaknesses.
Which Nevada Pet Insurance Provider Is Best for You?
The Nevada pet insurance provider that’s best for you will be the one that provides your pet with the coverage it needs while giving you a price you can afford. Every pet is different, so find a plan that covers illnesses your pet is prone to (and accidents if they’re particularly clumsy). Then look at how you can customize your plan to add coverage for routine care or better fit your budget. Finally, remember to look at what other people are saying about a pet insurance company before purchasing to ensure the company has a good reputation.
Conclusion
We all want to be sure we can get our pets the vet care they need when they need it, and pet insurance goes a long way in making that a possibility. However, there are so many insurance companies it can be difficult to choose the best one. But you can find the right one for your pet by looking at policy coverage, affordability, company reputation, and how quickly claims are paid.
If you want insurance quickly, though, and want the best insurance in Nevada, we recommend Lemonade for its affordability and flexibility. Or, if you’re just looking for something simple and cheap, check out Bivvy, as they offer the best price and quick sign-up.
Featured Image Credit: Priscilla Du Preez, Unsplash
