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

If the animal member of your family needs medical attention, the best pet insurance in Minnesota could save you thousands of dollars. Additionally, pet coverage may provide comfort in knowing that your pets are protected in the case of an emergency. Some programs also include preventative pet care.

We compiled data from the state's main cities, including St. Paul, Rochester and Minneapolis. This research helped us evaluate the cost of pet insurance in Minnesota, as well as companies' other benefits and features, to help you select the most appropriate coverage.

MoneyGeek analyzed hundreds of pet insurance quotes in Minnesota to determine the average cost of pet insurance in the state. We ranked the best pet insurance companies based on their policy offerings and average prices.

Insurance premiums vary depending on the breed, age and medical history of your pets. To find the best coverage for your budget and requirements, compare quotes from several providers.

A pet's age, breed and location all factor into prices for pet insurance in Minnesota. Dog insurance in Minnesota costs an average of $26.19 a month for a $5,000 coverage limit, $51.47 for $10,000 in coverage and $52.89 for an unlimited coverage limit.

It costs an average of $14.52 per month to insure a cat with a $5,000 limit, $25.37 per month to insure with $10,000 of coverage and $32.61 per month for unlimited coverage.

Your pet's age, the amount of your deductible and any added features or treatments all affect policy costs. Make sure to request many estimates before deciding on insurance — each insurer evaluates these qualities differently.

MoneyGeek aims to educate pet owners in Minnesota on typical coverage options available in the state. Most companies offer the following:

• Annual Reimbursement Limits: Ranges from $3k to unlimited
• Deductible: $250 to $500, but some insurance companies offer higher or lower options
• Bill Reimbursement Percentage: 70-90%

Some Minnesota pet owners may opt for cheaper insurance plans with lower coverage to save money or receive the minimum to protect their healthy pets. Minnesota residents who want to make sure their pets are adequately covered may choose insurance with higher coverage levels.

The cost of unlimited insurance coverage may be out of the price range for some pet owners. Typically, MoneyGeek recommends the following level of coverage for pet owners in Minnesota.

If you're looking to keep pet insurance costs down, choose a plan with a low annual maximum, high deductible and low reimbursement rate. The following table compares Minnesota pet insurance policies with a $5,000 coverage limit, a $500 deductible and an 80% reimbursement rate.

Pet insurance costs are affected by factors like your pet's age and breed, along with your location. Veterinary care and insurance costs are higher in many Minnesota cities than the national average.

The weather, traffic and other hazards may raise the likelihood of an accident for your pet, thereby increasing your insurance prices. Your level of insurance and additional types of coverage can also affect your premiums.

MoneyGeek’s research shows that the cost of pet insurance in Minnesota depends on various factors, like your pet’s age, breed, location/city, deductible and policy coverage amount. We breakdown the main factors that determine the cost of pet insurance in Minnesota below.

MoneyGeek believes that well-researched 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 for your animal friend.

To determine the best pet insurance companies in Minnesota, MoneyGeek built a detailed rating system by analyzing each company’s product offerings and costs. For the MoneyGeek 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 Minnesota, along with our affordability scores, MoneyGeek gathered quotes by company across many zip codes in Minnesota 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