Lemonade is the best pet insurance company for cats and dogs in Wisconsin. Other strong insurance options in the state include Pumpkin, Spot, Pets Best and AKC.
Best Pet Insurance in Wisconsin
Updated: September 8, 2025
Advertising & Editorial Disclosure
Key Takeaways
Lemonade offers the best pet insurance in Wisconsin, with monthly rates starting at $10. It combines competitive pricing with excellent customer service.
In Wisconsin, Lemonade provides the cheapest pet insurance for dogs at $55 per month, while Pumpkin has the lowest premiums for cats at $23.
Compare multiple policies and prices to find coverage that matches your pet's health needs and your budget.
Best Pet Insurance Companies in Wisconsin
Data filtered by:Results filtered by:
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Dog or Cat:Dog
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Pet Age Group:Middle Aged
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$500
| Lemonade | 4.50 | $55 |
| Pets Best | 4.05 | $67 |
| AKC | 4.05 | $76 |
| Rainwalk | 3.85 | $79 |
| ASPCA | 3.80 | $64 |
| Spot | 3.75 | $74 |
Lemonade
Best Overall
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate for Dogs
$55Average Monthly Rate for Cats
$27Overall 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 Wisconsin, while Lemonade and Pets Best are top picks for select breeds. Below, you can review which companies are best for your dog in the state.
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Breed:Affenpinscher
| Pets Best | 4.35 | $30 |
| Lemonade | 4.25 | $34 |
| Rainwalk | 4.25 | $56 |
| AKC | 4.25 | $65 |
| Spot | 4 | $52 |
Best Pet Insurance by Cat Breed
Our analysis shows Rainwalk dominates pet insurance rankings for most cat breeds in Wisconsin, while AKC stands out as a strong alternative provider. Below, you can review which companies are best for your specific cat breed in the state.
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Breed:Abyssinian
| Rainwalk | 4.45 | $40 |
| AKC | 4.4 | $50 |
| Lemonade | 4.35 | $27 |
| Pets Best | 4.3 | $35 |
| Spot | 4.2 | $34 |
Cheapest Pet Insurance in Wisconsin
In Wisconsin, Lemonade offers the most affordable dog insurance at $55 per month or $664 per year. For cats, Pumpkin provides the lowest-cost coverage at $23 monthly or $277 annually.
Data filtered by:Results filtered by:
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Dog or Cat:Dog
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Pet Age Group:Middle Aged
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$500
| Lemonade | $55 | $664 | -29% |
| ASPCA | $64 | $766 | -18% |
| Pets Best | $67 | $808 | -14% |
| Pumpkin | $67 | $809 | -14% |
| Figo | $69 | $831 | -12% |
| Spot | $74 | $881 | -6% |
| Hartville | $74 | $889 | -5% |
| Met Life | $75 | $906 | -4% |
| AKC | $76 | $914 | -3% |
| Rainwalk | $79 | $951 | 1% |
| Liberty Mutual | $85 | $1,018 | 8% |
| Embrace | $94 | $1,133 | 21% |
| Nationwide | $109 | $1,309 | 39% |
| Fetch | $113 | $1,353 | 44% |
Cheapest Wisconsin Pet Insurance by Dog Breed
In Wisconsin, Lemonade, Pumpkin and Pets Best offer the most affordable pet insurance for dogs, with plans starting at $18 monthly.
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Breed:Affenpinscher
| Pets Best | $30 | $360 | -50% |
| Lemonade | $34 | $406 | -43% |
| Pumpkin | $40 | $480 | -33% |
| ASPCA | $45 | $541 | -25% |
| Figo | $49 | $582 | -19% |
Cheapest Wisconsin Pet Insurance by Cat Breed
In Wisconsin, Pets Best (13 wins), Pumpkin (8 wins) and Lemonade (7 wins) offer the most affordable coverage across cat breeds. Rates start at $16 per month for standard plans.
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Breed:Abyssinian
| Lemonade | $27 | $324 | -55% |
| Figo | $30 | $355 | -51% |
| Spot | $34 | $410 | -43% |
| Hartville | $35 | $415 | -42% |
| Pets Best | $35 | $419 | -42% |
How Much Is Pet Insurance in Wisconsin?
Wisconsin pet insurance costs average $97 monthly for dogs and $49 for cats. These rates run about 7% higher than the national average for dogs and 8% higher for cats.
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Annual Limit:$5,000
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Deductible:$500
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Reimbursement %:80%
| Cat | $49 | $589 | 8% |
| Dog | $97 | $1,161 | 7% |
How to Get the Best Cheap Pet Insurance in Wisconsin
Finding the best cheap provider and coverage plan in Wisconsin can be difficult. Want to find great pet insurance? Here's how to make the best choice:
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Evaluate Your Pet's Coverage Needs First
Consider your pet's age, breed and potential health risks before shopping for insurance. Talk with your vet about common health issues for your pet's breed to determine necessary coverage levels.
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Look for Available Insurance Discounts
Many insurers offer savings through a multi-pet plan or annual payment options. Check if you qualify for additional discounts through your employer or membership organizations.
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Research Insurance Company Reputations
Check customer reviews and claim payment histories of different pet insurance providers. Focus on companies with strong track records in Wisconsin and clear coverage terms.
- 4
Get Multiple Insurance Quotes
Request quotes from at least three different pet insurance providers for comparable coverage levels. Make sure to compare deductibles, coverage limits and monthly premiums.
- 5
Review Your Coverage Annually
Pet insurance rates often increase as pets age, so review your policy each year. Compare new quotes against your current rate to ensure you're still getting the best deal.
Best Pet Insurance in Wisconsin: Bottom Line
Lemonade is our top pick for pet insurance in Wisconsin, while Pumpkin offers the most affordable coverage for cat owners. Lemonade also provides the cheapest dog insurance in the state. While these companies stand out in our analysis, the best choice depends on your budget and your pet's needs. Compare options before making your decision.
Pet Insurance in Wisconsin: FAQ
Here are answers to frequently asked questions about Wisconsin pet insurance:
What are the best pet insurance companies in Wisconsin?
Pet owners in Wisconsin have excellent insurance options available. Leading providers include Lemonade, Pumpkin, Spot, AKC and Pets Best as the most reliable choices in the state.
Which company has the cheapest pet insurance in Wisconsin?
Pumpkin, Figo and Lemonade offer the most affordable pet insurance rates in Wisconsin. Monthly premiums start at $55 for dogs and $23 for cats.
How much is pet insurance in Wisconsin?
In Wisconsin, pet insurance costs around $589 annually for cats and $1,161 for dogs. Annual premiums can range from $73 to $14,320, depending on coverage options and your pet's characteristics.
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 Wisconsin
We researched all 20 major pet insurance providers in the United States, compared their policies and gathered quotes for Wisconsin residents. Here's the standard profile we used for our comparisons:
- $5,000 annual limit
- 80% reimbursement
- $500 deductible
- 6-year-old Labrador Retriever if dog
- 7-year-old Ragdoll if cat
Our Company Rating System
To ensure our ratings are accurate to pet and pet owner's needs, we simplified our rating mechanism for easy understanding and comprehensive inclusion of all available information:
- Affordability (50% of score): We used proprietary quote data for all combinations of coverage, pet ages, and breeds owned in the U.S. to compare affordability scores for all providers. We also considered discounts and how each company calculates them into your premium.
- Customer experience (30% of score): Using customer ratings we scoured across the internet, industry scores from reliable agencies like AM Best, and Reddit comment sentiment for companies to get this score.
- Coverage options (20% of score): We considered all terms, add-ons and inclusions when determining this score. We also gauged these coverage restrictions and inclusions against the most commonly needed pet medical-related costs to assess their usefulness.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Trustpilot. "Lemonade Reviews." Accessed September 16, 2025.