Lemonade is Nebraska's best pet insurance provider for both cats and dogs. AKC, Pumpkin, Pets Best and Figo also offer strong coverage options in the state.
Best Pet Insurance in Nebraska
Updated: October 27, 2025
Advertising & Editorial Disclosure
Key Takeaways
Lemonade offers the best pet insurance in Nebraska, with monthly rates starting at $8. It combines competitive pricing with excellent customer service.
For Nebraska pet owners, Lemonade provides the cheapest pet insurance for dogs at $47 per month, while Pumpkin has the lowest premiums for cats at $19.
Compare multiple insurance providers to find coverage that matches both your pet's health needs and your budget constraints.
Best Pet Insurance Companies in Nebraska
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| Lemonade | 4.50 | $47 |
| AKC | 4.30 | $60 |
| Pets Best | 4.10 | $56 |
| Rainwalk | 3.95 | $66 |
| Figo | 3.90 | $54 |
Lemonade
Best Overall
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate for Dogs
$47Average Monthly Rate for Cats
$22Overall Reddit Sentiment
72% positiveMaximum Annual Limit
$100,000
Best Pet Insurance by Dog Breed
Overall, AKC dominates the best pet insurance rankings for most dog breeds in Nebraska, while Lemonade and Pets Best serve as top picks for select breeds.
Data filtered by:
Affenpinscher
| Pets Best | 4.35 | $25 |
| AKC | 4.3 | $51 |
| Lemonade | 4.25 | $29 |
| Rainwalk | 4.25 | $47 |
| Spot | 3.9 | $48 |
| Fetch | 3.9 | $43 |
Best Pet Insurance by Cat Breed
AKC dominates the best pet insurance rankings for most cat breeds in Nebraska, while Rainwalk stands out as a strong alternative option.
Data filtered by:
Abyssinian
| AKC | 4.45 | $39 |
| Rainwalk | 4.45 | $34 |
| Lemonade | 4.35 | $23 |
| Pets Best | 4.3 | $30 |
| Spot | 4.15 | $31 |
Cheapest Pet Insurance in Nebraska
In Nebraska, Lemonade provides the most affordable dog insurance at $47 per month or $560 per year. For cats, Pumpkin offers the lowest-cost coverage at $19 monthly or $234 annually.
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| Lemonade | $47 | $560 | -28% |
| ASPCA | $53 | $639 | -18% |
| Figo | $54 | $653 | -16% |
| Pets Best | $56 | $681 | -13% |
| Pumpkin | $57 | $682 | -13% |
| Met Life | $58 | $690 | -12% |
| AKC | $60 | $717 | -8% |
| Hartville | $62 | $739 | -5% |
| Rainwalk | $66 | $791 | 1% |
| Spot | $68 | $815 | 4% |
| Liberty Mutual | $71 | $848 | 8% |
| Embrace | $73 | $874 | 12% |
| Fetch | $95 | $1,141 | 46% |
| Nationwide | $100 | $1,202 | 54% |
Cheapest Nebraska Pet Insurance by Dog Breed
In Nebraska, Lemonade, Pumpkin and Pets Best offer the most affordable dog insurance across multiple breeds, with plans starting at $15 monthly.
Data filtered by:
Affenpinscher
| Pets Best | $25 | $304 | -49% |
| Lemonade | $29 | $343 | -43% |
| Pumpkin | $34 | $405 | -32% |
| ASPCA | $37 | $451 | -25% |
| Figo | $38 | $458 | -23% |
Cheapest Nebraska Pet Insurance by Cat Breed
For cat owners in Nebraska, Pets Best (13 wins), Pumpkin (8 wins) and Figo (5 wins) provide the most affordable coverage across breeds. Monthly premiums start at $14 for standard plans.
Data filtered by:
Abyssinian
| Lemonade | $23 | $273 | -54% |
| Figo | $23 | $278 | -53% |
| Hartville | $29 | $341 | -43% |
| Pets Best | $30 | $353 | -41% |
| Spot | $31 | $370 | -38% |
How Much Is Pet Insurance in Nebraska?
Nebraska pet insurance costs an average of $82 monthly for dogs and $41 for cats. These rates are lower than most Americans pay, with dog insurance running 9% below the national average and cat coverage costing 10% less than typical rates nationwide.
Data filtered by:
$5,000
$500
80%
| Cat | $41 | $495 | -10% |
| Dog | $82 | $978 | -9% |
How to Get the Best Cheap Pet Insurance in Nebraska
Finding the best cheap provider and coverage plan in Nebraska can be difficult. Here's how to find the best pet insurance for your needs:
- 1Evaluate Your Pet's Coverage Needs First
When choosing coverage levels, consider your pet's age, breed and potential health risks. Talk with your veterinarian about common health issues for your pet's breed to help determine appropriate coverage amounts.
- 2Look for Available Insurance Discounts
Research discount options, including a multi-pet plan. Many insurers also offer reduced rates for annual payments or military service members.
- 3Check Insurance Company Ratings
Check customer feedback and company ratings through trusted sources like the Better Business Bureau. Focus on providers with strong track records of paying claims promptly and providing good customer service
- 4Get Multiple Insurance Quotes Online
Compare at least three different insurance providers using the same coverage levels. Most companies offer instant online quotes, making it easy to shop around.
- 5Review Your Policy Annually
Upon policy renewal, check current rates against other providers. Pet insurance costs increase as pets age, so shopping around each year helps maintain affordable coverage.
Best Pet Insurance in Nebraska: Bottom Line
Lemonade leads for dog insurance, while Pumpkin offers the best rates for cat coverage. While these providers stand out in our analysis, compare options and find coverage that matches your pet's needs.
Pet Insurance in Nebraska: FAQ
What are the best pet insurance companies in Nebraska?
Leading pet insurance providers in Nebraska include Lemonade, AKC, Pumpkin, Figo and Pets Best. These companies offer comprehensive coverage options for your furry family members.
Which company has the cheapest pet insurance in Nebraska?
Pumpkin, Figo, Lemonade and ASPCA provide some of the most affordable pet insurance rates in Nebraska. Monthly premiums start at $47 for dogs and $19 for cats.
How much is pet insurance in Nebraska?
In Nebraska, pet insurance costs $495 annually for cats and $978 for dogs. Annual premiums across the state can range from $61 to $12,071, depending on coverage options and pet factors.
What is the best way to find the right pet insurance provider?
Start by determining your pet's specific coverage needs based on age, breed and health history. Research multiple providers' reputations through customer reviews and industry ratings. Compare policy details, coverage limits and deductibles from at least three companies. Get quotes from top-rated insurers to find competitive rates that match your requirements.
How We Found the Best and Cheapest Pet Insurance in Nebraska
Nebraska pet owners face rising veterinary costs, and pet insurance helps you afford necessary care when your dog develops hip dysplasia or your cat needs emergency treatment. We designed this research to show you which providers offer the best combination of affordable premiums, reliable claim payments, and comprehensive coverage for Nebraska residents.
We researched all 20 major pet insurance providers in the United States and gathered quotes using standard profiles that reflect common coverage choices and popular breeds in the state.
Our baseline pet profiles:
We collected quotes for a 6-year-old Labrador Retriever for dog coverage and a 7-year-old Ragdoll for cat coverage. Both profiles used $5,000 annual limits, 80% reimbursement, and a $500 deductible. These mid-range coverage settings balance affordability with meaningful financial protection when your pet needs surgery, diagnostic imaging, or ongoing treatment for chronic conditions.
How we scored each provider:
We evaluated companies across three weighted categories that reflect what matters most when you're choosing pet insurance:
- Affordability (50%): Proprietary quote data across coverage combinations, pet ages, and breeds, plus available discounts and how they reduce your premiums
- Customer Experience (30%): Customer ratings from multiple online sources, AM Best industry scores, and Reddit sentiment analysis about claim handling and reimbursement speed
- Coverage Options (20%): Policy terms, available add-ons, coverage restrictions, and how well benefits align with common veterinary expenses Nebraska pets face
Why these weights: Your monthly premium is what you'll pay throughout your pet's life, making affordability the dominant factor for Nebraska families managing household budgets. Customer experience carries substantial weight because affordable coverage means nothing if the company denies legitimate claims or delays reimbursements for months. Coverage options matter because you need policies that actually cover the conditions your pet is likely to develop, from orthopedic issues to cancer treatment.
This scoring system prioritizes real-world value for Nebraska pet owners who need affordable premiums from companies that pay claims fairly and cover the conditions pets commonly face, ensuring you can afford quality veterinary care when your dog or cat needs it most.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Trustpilot. "Lemonade Reviews." Accessed November 6, 2025.