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

Choosing the best pet insurance in North Dakota may save you thousands of dollars should your pet need veterinary care. Several pet insurance companies cover preventive care like vaccines to ensure your furry friend is healthy and happy in the long run. In an emergency, pet insurance helps protect you from significant medical expenses.

MoneyGeek compiled pet insurance quotes in North Dakota’s top cities, including Bismarck, Fargo, and Grand Forks, to help you choose the cheapest policy that fits your budget and pet’s needs. Our analysis determined the average cost of pet insurance in North Dakota along with the benefits a policy may include.

MoneyGeek analyzed thousands of pet insurance quotes, reviewing coverage and policy options from pet insurance companies in North Dakota to pinpoint the best pet insurance in North Dakota. The best pet insurance companies were chosen based on affordability and product offerings.

The final cost of your pet insurance depends on your pet’s breed, age, overall medical history, and more. So it’s advisable to compare customized pet insurance quotes in North Dakota to get the best coverage for you and your furry friend’s needs.

Factors like your location, policy coverage and your pet’s age and breed can affect how much your pet insurance costs in North Dakota. The cost to insure a dog in North Dakota is around $23.21 per month for a $5,000 annual coverage limit, $42.58 per month for a $10,000 yearly coverage limit, and $45.18 per month for unlimited coverage.

To insure a cat in North Dakota, it costs an average of $12.39 per month for a $5,000 yearly coverage limit, $21.45 per month for a $10,000 annual coverage limit, and $30.24 per month for unlimited coverage.

MoneyGeek wants to help North Dakota pet insurance buyers understand common options most companies offer in pet insurance policies. When purchasing pet insurance, you must choose a:

• Annual reimbursement limit: Usually ranges from $3,000 to unlimited
• Deductible: $250 or $500 are common, but lower and higher options may be available
• Bill reimbursement percentage: Standard rates are 70%, 80% and 90%

There are North Dakota pet owners who might need a cheaper premium and choose lower coverage amounts to manage monthly expenses or because their pet might not need robust insurance coverage. On the other hand, there are North Dakota pet owners who want a high coverage limit or unlimited coverage to ensure their pet is fully protected. Although unlimited protection offers maximum protection for your furry friend, it is generally more expensive, and the average pet owner may not need it.

MoneyGeek generally recommends the average coverage amount below for pet owners looking for pet insurance in North Dakota.

Consider a high deductible, low annual maximum and low reimbursement percentage if you want to keep expenses manageable for pet insurance in North Dakota. MoneyGeek compares low-coverage pet insurance policies from multiple companies with a $5,000 annual coverage limit, $500 deductible and 80% reimbursement rate in the table below.

Your home city affects the cost of your pet insurance in North Dakota. Several cities in North Dakota have a higher cost of living, which means higher veterinary medical costs and higher policy premiums. Some cities in North Dakota might have more accident risks because of traffic, weather or other hazards. The level of coverage and policy inclusions you purchase also affect the cost of your pet insurance. MoneyGeek found the cheapest pet insurance in North Dakota cities to help you get the best deal.

The cost of pet insurance in North Dakota depends on many factors, such as your pet’s age and breed, where you live, policy details, and more. Many companies offer flexible policies so you can customize your coverage to fit your budget and furry friend’s needs. Common pet insurance policy details that influence the cost are below.

MoneyGeek believes that data helps us make better financial decisions. For pet insurance, 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 pet’s needs.

To determine the best pet insurance companies in North Dakota, 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 North Dakota and to determine our affordability scores for our best rankings, MoneyGeek gathered quotes by company across many zip codes in North Dakota 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