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

COMPANY HIGHLIGHTS

Based on MoneyGeek’s analysis, the top insurer overall in Louisiana is Pets Best, which offers insurance at $23.61 per month, on average.

Pets Best’s coverage levels start at $5,000 per year. Policyholders can also choose unlimited coverage, which few providers offer. Most policies from Pets Best include exam fees, acupuncture, chiropractic and prescription medication coverage. You may choose these coverages based on your pet’s requirements and your budget.

Most pet insurance policies follow a reimbursement model, where policyholders make upfront payments for treatments and receive reimbursements from the insurer. With exam fees, you will be paid for all payments made towards vet examinations when you take a pet for a diagnosis. This can lead to significant savings over the insurance term.

The company does not have any upper age limits for pets and offers the same coverage limits, regardless of your pet’s age. Pets Best also has coverage that pays for dental care and other possible requirements, such as bloodwork, pathology reports, MRIs, CAT scans and X-rays.

COMPANY HIGHLIGHTS

Pets Best ranked as the top company in MoneyGeek’s analysis for the best pet insurance with unlimited coverage in Louisiana. With unlimited coverage, you will never exceed your coverage limit — even in situations that call for considerable medical care for your pet. However, policies with unlimited coverage typically cost more than average coverage.

Pets Best unlimited coverage costs $29.88 per month on average. Although this is slightly more expensive, you can have the peace of mind that all expenses for your pet’s care will be covered.

This insurer offers affordable policies with several options for your pet’s needs, including dental and cancer treatments, blood work, MRIs, surgery, medication and chemotherapy.

Pets Best also offers coverage for prosthetic devices and wheelchairs, as long as they are prescribed by a licensed veterinarian to treat a covered accident or illness. It also covers treatments for your pet while you travel anywhere in the U.S., Canada and Puerto Rico.

COMPANY HIGHLIGHTS

If you’re looking for the most affordable pet insurance in Louisiana, you can find the best insurer using our analysis. MoneyGeek’s top choice for affordable insurance is Pets Best, which offers policies at $17.35 per month, on average.

This includes coverage for sick visits to the vet, illness and injury, dental care, hereditary conditions and prescription medications for covered medicines. Pets Best offers coverage for surgeries that include operations to extract foreign items like swallowed socks.

The company’s plans also cover pre-anesthesia tests, which veterinarians usually conduct before performing surgery, thus ensuring end-to-end coverage in such situations.

You can choose from various coverage options and customize the limits and deductibles depending on your pet’s health. If you think your pet is healthy, you can choose a high deductible to keep your insurance premium low.

If you feel that your pet often becomes ill, you can benefit by choosing a low deductible. While this may lead to higher monthly premiums, the insurance will take care of the considerable medical care expenses.

COMPANY HIGHLIGHTS

If you have more than one pet in your household in Louisiana, MoneyGeek recommends choosing Pets Best to insure them. With an average cost of $21.25 per month, the insurer has coverage that pays for your pet’s accidents, illnesses, dental needs, cancer and more. It also offers a multi-pet discount when you include your second furry friend in a policy.

You can choose to have your pet diagnosed by your existing vet and have your insurance pay for your vet visits, as long as they are licensed to practice in the U.S.

Pets Best does not offer coverage for holistic, herbal and experimental treatments or medications. However, procedures such as physical therapy, cold laser therapy, chiropractic care, acupuncture and hydrotherapy are not considered to be holistic or experimental and are covered under Pets Best’s insurance policies.

The insurer also pays for chip implantation procedures if you wish to insert an RFID chip to ensure your pet can be immediately identified.

COMPANY HIGHLIGHTS

MoneyGeek’s top pet insurance choice to protect your cats is Embrace. Under normal circumstances, pet insurance for cats is cheaper than for dogs. However, it always pays to explore multiple options to get the cheapest insurance rates. For cat owners, Embrace offers the cheapest insurance policies in Louisiana at an average of $12.13 per month.

The company offers many types of coverage, including for breed-specific, congenital and chronic conditions. These plans pay for all associated costs, including exam and consultation fees, diagnostic testing, and specialist care.

Embrace's coverage also pays for surgery and hospitalization, complementary treatments, rehabilitation procedures, dental issues, prescription medications and cancer treatments. This provider's cancer coverage pays for all diagnostic tests and treatment procedures.

This provider also covers behavioral therapy, which pays to overcome certain bad habits. The coverage pays for treatments for behavioral issues, including prescription meds for behaviors like marking, pica or aggression, along with specialist care treatments from oncologists and internal medicine experts.

A significant drawback is that the insurer does not offer unlimited coverage. Embrace’s policies also do not pay for any pre-existing conditions.