Pet Insurance in Indiana: Compare the Best Pet Insurance Companies and Most Affordable Quotes

Getting the best pet insurance in Indiana is how you can make sure that you can afford medical treatments and veterinary care that your pet needs. Unexpected veterinary bills can quickly decimate your savings; pet insurance can prevent that from happening.

MoneyGeek gathered data from Indiana’s top cities, including Evansville, Fort Wayne and Indianapolis, to find the average cost of pet insurance across the state. We hope to help you find the best pet insurance companies in Indiana that offer the cheapest rates together with a comprehensive list of benefits providing the best coverage for your pet.

Choosing a pet insurance policy that best matches your budget and your pet’s needs can be somewhat overwhelming. MoneyGeek helps you find the best pet insurance in Indiana for you by analyzing hundreds of quotes and documenting each policy and coverage details. Since the cost of pet insurance in Indiana can vary based on your pet’s breed, age, medical history, as well as your preferred coverage details, we also look at how you can customize these policies to fit your requirements.

Pet insurance quotes in Indiana are calculated based mainly on the annual coverage limit you select and your pet’s breed and age. The average cost of pet insurance for a dog in Indiana is $24.10 per month for a $5,000 annual coverage limit, $45.52 per month for a $10,000 annual coverage limit and $45.30 per month for unlimited annual coverage. Cats are typically cheaper to insure, at an average cost of $13.20 per month for a $5,000 annual coverage limit, $22.63 per month for a $10,000 annual coverage limit and $31.62 per month for unlimited annual coverage.

Your choice of deductible and reimbursement percentage plus any add-ons to your policy will also affect your premium. That’s why these averages may be lower or higher. The only way to know your exact rate is by getting a personalized quote.

MoneyGeek's objective is to inform pet owners in Indiana about the standard pet insurance options available in the state:

• Annual reimbursement limits: these range from $3,000 to unlimited
• Deductible: typically $250 to $500, but some companies have higher or lower options
• Bill reimbursement percentage: usually 70-90%

Some pet owners in Indiana will look for less expensive policies with lower coverage amounts. This may be because it’ll help them manage their monthly expenses better or because they don’t think they’ll need that much insurance coverage. Others prefer high coverage limits to ensure maximum protection for their pet. These policies are more expensive (and the average pet owner may not need unlimited protection), but they do offer maximum financial protection for you if your pet is in an accident or becomes ill.

Choosing a low annual maximum, high deductible and low reimbursement percentage will give you the cheapest pet insurance in Indiana with the lowest monthly premiums. The table below shows you how the rates change if you increase your coverage limits, lower your deductibles or increase your reimbursement rates.

Where you live can have an impact on your yearly pet insurance premiums. If you’re in a city with a high cost of living, you can expect to pay higher pet insurance premiums than some other zip codes. This is because veterinary care will cost more, and insurance rates will reflect those higher costs. Congested cities have a higher risk of pet injury, as do areas known for impactful weather events.

Pet insurance companies in Indiana look at several factors like your pet’s breed and age, where you live, and your preferred type of coverage limits, deductible, and benefits to calculate costs. Aside from looking for affordable pet insurance in Indiana, make sure that the policy provides the type of coverage that your pet needs.

MoneyGeek believes that data helps us make better financial decisions. Our data team spent countless hours gathering thousands of pet insurance quotes across the 13 largest providers to ensure you find the most affordable policy to meet your budget and pet’s needs.

To determine the best pet insurance companies in Indiana, MoneyGeek built a detailed rating system by analyzing each company’s product offerings and costs. For the MoneyGeek rating score, we weighted affordability by coverage level at 50% of the total score and weighted our 24 qualitative research policy option data points at 50%.

To determine the cheapest pet insurance companies in Indiana and to determine our affordability scores for our best rankings, MoneyGeek gathered quotes by company across many zip codes in Indiana for four pet types with the following coverage levels:

• Low Coverage: $5,000 Coverage, $500 Deductible, 80% reimbursement
• Average Coverage: $10,000 Coverage, $250 Deductible, 80% reimbursement
• High Coverage: Unlimited Coverage, $250 Deductible, 90% reimbursement