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

Having your pet insured by the best pet insurance company in Wisconsin can help you afford veterinary care in case of an accident or illness. A good insurance plan lets you focus on caring for your pet instead of worrying about how you’ll pay for their medical expenses. Some insurance plans also offer preventative care that can help keep your pet healthy with regular visits to the veterinarian.

MoneyGeek collected pet insurance quotes in Wisconsin’s leading cities, including Green Bay, Madison and Milwaukee. We broke down the cost of pet insurance in Wisconsin to help you find the cheapest policy that meets your pet’s needs.

Many companies offer pet insurance in Wisconsin, and the number of options can be pretty overwhelming. Pet owners have different priorities — some are looking for increased coverage, while others just want insurance in case of an accident.

To guide you on your options, MoneyGeek analyzed insurance providers to identify Wisconsin's best pet insurance companies. We collected thousands of quotes and coverage details to evaluate a provider’s overall value proposition. We chose the best companies on the market based on their affordability and product offering options.

In Wisconsin, pet insurance costs change depending on your location, your coverage preference and your pet’s age and breed. On average, pet insurance for a dog costs $28.48 to $60.53 per month, while a cat’s insurance costs $15.13 to $36.75 per month.

MoneyGeek’s study found that the average monthly cost of insuring a dog in Wisconsin is $28.48 for a $5,000 coverage limit, $51.84 for a $10,000 coverage limit and $60.53 for unlimited coverage. Meanwhile, the average monthly cost of insuring a cat is $15.13 for a $5,000 coverage limit, $25.63 for a $10,000 coverage limit and $36.75 for unlimited coverage.

Insurance companies each have their own way of determining rates. To find the best deals, shop around for quotes from various insurers before deciding on a policy.

To help you understand offers from pet insurance companies in Wisconsin, MoneyGeek has evaluated an insurance policy’s components.

• Annual reimbursement limits: Ranges from $3k to unlimited
• Deductible: $250 to $500, but some companies have higher or lower options
• Bill reimbursement percentage: 70-90%

Some pet owners in Wisconsin prefer cheaper policies with lower coverage limits. Others opt for insurance with higher coverage limits to guarantee adequate coverage. Policies with higher or unlimited coverage are more expensive, but the average pet owner may not require unlimited insurance. MoneyGeek recommends an average coverage amount for most pet insurance shoppers in Wisconsin to balance coverage and cost.

To keep your pet insurance rates affordable, consider a plan with a low annual maximum, high deductible and a low reimbursement percentage, especially if you're on a tight budget. The chart below compares Wisconsin's pet insurance policies with a $5,000 coverage limit, a $500 deductible and an 80% reimbursement rate.

In addition to your pet’s age and breed, the city you live in also affects your pet insurance rates. Some areas in Wisconsin have higher costs of living and, consequently, more expensive veterinary care. This results in higher insurance premiums. In addition, some places have a higher incidence of accidents due to weather conditions, traffic and other hazards. This also translates to more expensive policy costs.

Buying a pet insurance policy with a high coverage amount, whether you’re in an expensive or more affordable city, will also drive your rates up.

Your pet’s breed and age, your preferred coverage and your location are just some of the factors that affect the cost of pet insurance in Wisconsin. Most insurers allow you to adjust coverage limits, deductible cost and your reimbursement amount so you can create a policy that fits your needs and budget.

MoneyGeek believes that data helps us make better financial decisions. Our data team gathered thousands of pet insurance quotes across the 13 largest providers to help you find the best policy for your budget and pet.

To determine the best pet insurance companies in Wisconsin, MoneyGeek used an internal rating system to analyze each company’s product offerings and costs. For the MoneyGeek rating score, we weighted affordability at 50% of the total score and our 24 qualitative research policy option data points at 50%.

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