Best Pet Insurance in Minnesota: Top 5 Companies in 2019

Your pet is an essential part of your family, and when they’re injured or ill, it’s normal to want them to receive the best care possible.

For many homes, the financial burden of emergency veterinary care can quickly become overwhelming, especially as veterinary care has become more expensive.

That’s why more people each year choose to purchase pet insurance.

There are plenty of pet insurance options available, and to make the search even easier we’ve compiled this list of the five best pet insurance providers in Minnesota.Bernese Mountain Dog outside lake cabin in Northern Minnesota

When searching for a pet insurance policy, it’s crucial that you shop around and compare several companies.

It’s also important to keep in mind that several factors go into determining insurance rates, including veterinary costs in your geographic location.

When compared with the rest of the country, Minnesota’s veterinary costs are slightly above the annual average ($1,200 to $1,300), ranging up to $1,400.

In creating this article, we’ve evaluated more than 30 pet insurance providers and thoroughly analyzed each one’s coverages, price, claims process, and reputation.

Below, we’ve listed the five best pet insurance providers in Minnesota and given you the details you need to make an informed decision for you and your pet.

5 Best Pet Insurance Companies in Minnesota

Healthy Paws Pet Insurance

Monthly Costs Starts at $32.83 for dogs and $17.19 for cats
Coverage 70 percent to 90 percent reimbursement after deductible depending on the plan
Payout Limits Unlimited
Deductible Ranges from $100 to $500 annually depending on the plan

Healthy Paws pet insurance offers policies for cats and dogs aged eight weeks to 14 years.

The company offers just one insurance plan, meaning coverage inclusions are the same for every animal; however, customers are given the opportunity to choose their deductible and reimbursement rate to accommodate their budget.

Average minimum costs with Healthy Paws insurance are below national monthly pet insurance costs, and along with a fast and convenient claims process and the extensive list of treatments and conditions the company’s plan covers, Healthy Paws sits at the top of the industry.

This insurance provider has an A+ rating from the Better Business Bureau and 48 closed complaints lodged against it from past and current customers in the past three years.

Trupanion Pet Insurance

Monthly Costs Starts at $59.21 for dogs and $32.41 for cats
Coverage 90 percent reimbursement after deductible
Payout Limits Unlimited
Deductible Ranges from $0 to $1,000 per incident depending on the plan

Trupanion offers some of the best pet insurance in Minnesota due to its comprehensive coverage and strong reputation.

The company provides plans for cats and dogs aged eight weeks to 14 years, and makes several add-on plans available to policyholders that provide additional coverage for routine care and alternative therapies.

The minimum price of Trupanion’s insurance plans are slightly above national average pet insurance costs; however, the price is relatively fair based on the company’s simple claims process and the extensive list of inclusions.

The company is one of the few that offers direct billing, so there’s no need to file claims in many cases.

While there have been 74 complaints against the company in the past three years, Trupanion has responded satisfactorily to all these complaints and as such, has been awarded a grade of A+ by the BBB.

Banfield Pet Hospital

Monthly Costs Starts at $33.95 for dogs and $23.95 for cats
Coverage 100 percent coverage
Payout Limits Unlimited
Deductible No deductible

Although Banfield Pet Hospital’s care plans don’t qualify as traditional pet insurance, it’s an excellent option for those who want to save on routine care for their pet.

Banfield’s policies are available at a reasonable monthly rate and include access to preventative care such as regular check-ups and vaccinations for cats and dogs aged six weeks and older.

Policyholders of Banfield must take their pet to one of the company’s pet hospitals or clinics for exams.

The company has an A+ rating from the BBB but shows a large number of complaints, almost 200 in the preceding 12 months.

Embrace Pet Insurance

Monthly Costs Starts at $13.04 for dogs and $8.98 for cats
Coverage Ranges from 65 percent to 90 percent after deductible depending on the plan
Payout Limits Coverage caps range between $500 and $15,000 annually depending on the plan
Deductible Ranges from $100 and $1,000 annually depending on the plan

Embrace is one of the most inexpensive pet insurance providers in the country and offers quality pet insurance for both dogs and cats.

Policyholders have the option to purchase additional wellness coverage for their pet on top of Embrace’s already extensive list of covered treatments and conditions.

The company is one of the few to offer direct billing.

Embrace has been given a grade of A+ by the BBB and has only 38 complaints lodged against it in the last three years, which is far below the industry average.

Primarily, complaints refer to the lack of coverage Embrace offers for preexisting conditions, which is a standard, though often misunderstood, provision throughout the pet insurance industry.

Pets Best Pet Insurance

Monthly Costs Starts at $30.06 for dogs and $16.52 for cats
Coverage Ranges from 70 percent to 90 percent depending on the plan
Payout Limits $5,000 annually or unlimited depending on the plan
Deductible Ranges from $50 to $1,000 depending on the plan

Pets Best offers one of the most customizable plans in the industry.

Customers can tailor coverage to suit their budget, selecting their deductible, payout limit and coverage cap.

The company also offers a 5 percent discount for each additional pet added to your policy, making this a great choice for families with multiple pets.

Pets Best promises fast claims and a variety of submission methods.

The company has been given a rating of A+ by the BBB and has only 53 official complaints over the last three years.

Most complaints relate to the difficulty in filing claims.

Using the information above, you should be able to easily navigate the coverage available from different providers and find the best pet insurance in Minnesota for your pet.

*While we make every effort to keep our site updated, please be aware that “timely” information on this page, such as quote estimates, or pertinent details about companies, may only be accurate as of its last edit day. Huntley Wealth & Insurance Services and its representatives do not give legal or tax advice. Please consult your own legal or tax adviser.