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

If your pet requires veterinary care, purchasing the best pet insurance in South Dakota can help you save some money and offer peace of mind. Some policies also cover preventive care costs.

MoneyGeek collected information about pet insurance from various insurers that serve the top cities in South Dakota, including Aberdeen, Rapid City and Sioux Falls. We used this data to determine the average cost of pet insurance in South Dakota and research additional coverage options to help you meet your pet insurance needs.

MoneyGeek obtained ranking information for pet insurance in South Dakota by reviewing quotes from different providers and comparing their policies. We selected the top companies based on coverage options and affordability scores.

Several factors can affect the cost of pet insurance, including the pet’s medical history and age. By comparing quotes between insurance companies, you can secure the best coverage for your animal friend's needs.

The average cost of pet insurance in South Dakota differs based on your coverage needs and location, along with the breed of your pet and its age. To insure a dog in South Dakota, you will pay an average of $24.71 per month for a policy with a $5,000 limit, $44.73 for coverage with a limit of $10,000 and $45.01 per month for unlimited coverage.

The cost of pet insurance in South Dakota is significantly lower for cats than dogs. You will pay an average of $13.06 per month for a $5,000 limit, $21.79 for a $10,000 limit and $31.39 for unlimited coverage.

Costs also vary depending on the deductible amount and extra features you choose for the policy. Insurance companies weigh these factors differently, so you should compare quotes before purchasing any policy.

MoneyGeek’s analysis aims to inform pet owners in South Dakota about available insurance options across most providers. Typically, most policies comprise:

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

While some pet owners wish to purchase cheaper insurance coverage with lower limits to save on their monthly premiums, others seek the most coverage for their pets and would prefer policies with higher coverage levels. In most cases, policies with higher limits cost more but often provide maximum or unlimited protection.

MoneyGeek recommends the following coverage limits South Dakota residents looking to buy pet insurance.

If you wish to keep your pet insurance costs at a minimum, you can purchase a policy with a low annual premium, high deductible and low reimbursement rate. The table below compares the cost of pet insurance in South Dakota for a $5,000 limit, $500 deductible and a reimbursement rate of 80%.

Aside from age, coverage level and other factors that influence pet insurance costs, your location can also significantly affect your premiums. The cost of treatment for your pet may vary across cities. For instance, South Dakota cities with a high cost of living may feature higher veterinary medical charges, which translate to higher pet insurance premiums.

Cities that are more prone to accidents and natural disasters may also feature higher rates. Your coverage level also has an impact on your rates.

Pet insurance costs depend on several factors, such as the pet’s breed, age, level of coverage and location. Most insurers allow you to customize your coverage limits based on your budget and pet insurance needs.

According to MoneyGeek, data plays a significant role in financial decision-making. For pet insurance research, our data team collected thousands of quotes from the top 13 insurers in South Dakota to help determine the cheapest pet insurance policy for your needs.

To identify the top pet insurance companies in South Dakota, MoneyGeek utilized a detailed scoring system through analyzing costs and product offerings for each insurer. For our ratings, MoneyGeek analyzed affordability scores by coverage level at 50% of the total score plus our 24 qualitative research policy option data points at 50%.

To find the cheapest pet insurance providers in South Dakota and determine affordability scores, MoneyGeek collected quotes by insurance carriers across various zip codes in South 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