The Best Pet Insurance in Indiana in 2025
Pet insurance in Indiana costs as little as $23 per month for dogs and $9 for cats.
Excellent
)
)
Edited byMatthew Gross
)
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
)
Reviewed byJohn Leach
)
John LeachLicensed Insurance Agent
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.
Updated
Why You Can Trust Compare.com: At Compare.com, it’s our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.
Advertiser Disclosure
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
In This Article
Finding the right pet insurance for your furry family member doesn’t have to feel overwhelming. Our top picks for the best pet insurance companies in Indiana include Lemonade, Pets Best, and ASPCA. Each company stands out for its coverage options, affordable rates, and solid customer service.
The average cost of pet insurance in Indiana is $22 per month for cats and $40 per month for dogs, according to our data. But rates vary significantly based on your pet’s age, breed, and the coverage level you choose.
Let’s dive into everything you need to know about protecting your pet in the Hoosier State.
What You Need to Know About Pet Insurance in Indiana
Indiana pet owners typically pay $40 per month for dog coverage and $22 to insure a cat.
Senior dogs cost an average of $104 per month to insure in Indiana, while older cats average $62 per month.
Indiana doesn’t have specific state regulations governing pet insurance, but the Indiana Department of Insurance regulates it.[1]
Compare Pet Insurance Companies in Indiana
When shopping for pet insurance in Indiana, it’s helpful to see how the major companies stack up against each other.
The table below compares average rates for both cats and dogs, available coverages, waiting periods, and other important factors that matter most to Indiana pet owners.
 |  |  |  |  |
|---|---|---|---|---|
Avg. quote, dogs Prices based on average across all available dog breeds and locations $24/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $23/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $27/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $23/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $45/mo* |
Avg. quote, cats Prices based on average across all available cat breeds and locations $12/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $10/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $11/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $9/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $0/mo* |
Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 60%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 50%–90% |
Payout limits The maximum amount your provider will pay for covered events. $5,000–$100,000 | Payout limits The maximum amount your provider will pay for covered events. $5,000–Unlimited | Payout limits The maximum amount your provider will pay for covered events. $2,500–Unlimited | Payout limits The maximum amount your provider will pay for covered events. $2,500–Unlimited | Payout limits The maximum amount your provider will pay for covered events. Unlimited |
Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$750 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $50–$1,000 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$500 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$1,000 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $250–$1,000 |
Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions Not coveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. |
Data in this table has been sourced from Compare users who received a pet insurance quote from our partner Fletch.
Save Money with Indiana’s Best Pet Insurers
Policies in Indiana start as low as $9 per month.
Secure. Free. Easy-to-use.
4.7/5 (1,395+ reviews)
Our Picks for the Best Pet Insurance Companies in Indiana
Choosing the right insurance for your pet isn’t one-size-fits-all. Every pet parent has different priorities. You may want the lowest monthly premium, comprehensive coverage, flexible policy options, or a mix of all three.
We evaluated dozens of pet insurance companies based on factors that matter most to Indiana pet owners. Here are our top picks that deliver peace of mind for pet owners in Indiana.
Lemonade: Best for affordable coverage
Pros
Bundling discount of up to 15%
Can file claims through app
Quick reimbursements
Cons
Behavioral coverage available only as add-on
No 24/7 phone support
Limited vet choice
We chose Lemonade because it offers the cheapest premiums in Indiana, according to our data. Policies start as low as $12 per month for cats and $24 for dogs. It also has flexible policies, making it the most affordable choice without big trade-offs.
Lemonade processes most claims instantly through its mobile app, which uses artificial intelligence (AI) to help speed up the process. You can also customize your coverage with bundling discounts that can save you up to 15%.
Pets Best: Best for multiple pets
Pros
No upper age limit
Covers acupuncture
Multiple deductible options
Cons
No 100% reimbursement option
Limited dental coverage
Excludes behavioral therapy
Managing insurance for several pets becomes easier with Pets Best’s flexible approach to pricing and enrollment. You can mix and match different coverage levels for each pet, plus add wellness plans.
Pets Best’s average monthly rate for dogs is $23 and $10 for cats, according to our data.
But while the company lets you customize coverage for each pet, it doesn’t cover everything. Pets Best offers only limited dental coverage and doesn’t cover behavioral therapy.
ASPCA: Best for flexible reimbursement
Pros
Multi-pet discount of 10%
Covers alternative therapies
Flexible plan options
Cons
No coverage for prescription food
Must call to cancel coverage
Higher premiums for senior pets
ASPCA offers coverage options that adapt to your pet’s needs. It offers reimbursement rates from 70% to 80%. You can also get a 10% multi-pet discount for each additional pet.
ASPCA’s policies include alternative therapies like acupuncture and hereditary conditions. But it doesn’t cover prescription food, and its rates can be higher for senior pets.
Spot: Best for senior pets
Pros
No age restrictions
Optional wellness plans
Covers exam fees
Cons
No 100% reimbursement
14-day illness waiting period
May be more expensive than other insurers
Spot won’t turn away your older pet. The company doesn’t have an upper age limit for enrollment, so you can get coverage for your senior dog or cat. Monthly costs in Indiana average $23 for dogs and $9 for cats, according to our research.
Spot covers accidents, illnesses, and even some pre-existing conditions if your pet remains symptom-free for 180 days. But the company has a 14-day waiting period for illnesses, and its rates can be more costly than other companies.
Healthy Paws: Best for unlimited coverage
Pros
Unlimited payouts
Fast claims process
Offers accident coverage
Cons
Won’t cover older pets
Doesn’t cover exam fees
No routine care coverage
Healthy Paws doesn’t cap payouts per incident, annually, or over your pet’s lifetime. That means you don’t need to worry about hitting any coverage limits when you file a claim. Plus, Healthy Paws processes most claims within two days, getting money back to you quickly.
That said, it has slightly higher premiums than competitors. And it’s worth noting that Healthy Paws won’t enroll pets older than 13. So you’ll need to start coverage while your furry friend is still young.
Our editorial team selected the companies you see here based on a combination of average premiums, available coverages, policy features, and more.
These factors include:
State-level average premiums by species, age, and breed
Available reimbursement rates, payout levels, and deductibles
Waiting periods for common conditions
Coverage for curable pre-existing conditions
Plan flexibility and policy management features
We prioritized each factor differently depending on the category to provide the best possible recommendations to pet owners throughout the state.
The Cheapest Pet Insurance Companies in Indiana
Pet insurance rates can vary dramatically from one company to the next — sometimes by hundreds of dollars annually. These cost differences are due to varying coverage levels, deductible options, and how each company calculates rates.
The table below shows the companies with the lowest average monthly premiums for dogs and cats in Indiana, according to our data.
The below rates are estimated rates current as of: Sunday, October 5 at 12:00 PM PDT.
Company  | Average Monthly Premium: Dogs | Average Monthly Premium: Cats |
|---|---|---|
| Spot | $23 | $9 |
| Pets Best | $23 | $10 |
| Lemonade | $24 | $12 |
| ASPCA | $27 | $11 |
| Figo | $63 | $22 |
| Pumpkin | $63 | $23 |
| Prudent Pet | $74 | $42 |
Indiana Pet Insurance Laws and Requirements
)
Indiana maintains a straightforward approach to pet insurance. The state doesn’t have any specific state laws governing pet insurance policies. That said, it treats pet insurance like standard property insurance, and the Indiana Department of Insurance oversees it.[1]
When it comes to pet ownership, Indiana has several key laws, including:
Rabies vaccinations: All dogs, cats, and ferrets 3 months and older must receive rabies vaccinations, with no exemptions.[2]
Spay/neuter requirements: Since July 1, 2021, shelters and rescue facilities must spay or neuter animals before adoption, with limited health-based exemptions.[3]
Owner liability: While Indiana doesn’t require dog liability insurance, some municipalities have breed-specific regulations.[4]
How to Pick the Right Indiana Pet Insurance Company for You
)
Choosing pet insurance in Indiana starts with understanding your budget and coverage needs. Thoroughly researching can help you make sure you get the best coverage for your pet.
Here’s the step-by-step approach to finding the best coverage:
Understand your pet’s needs. Consider breed-specific conditions, age, and current health status that might affect your coverage requirements.
Carefully review coverage exclusions. Pay close attention to pre-existing condition policies and waiting periods, since they aren’t standardized in Indiana.
Check customer service ratings. Since you’ll likely file claims over your pet’s lifetime, it’s crucial to find a company with good customer support.
Consider local vet networks. Ensure your pet insurance company works with your preferred Indiana veterinarian.
Compare multiple quotes. Get estimates from at least three companies when shopping for pet insurance. Rates vary significantly between insurers in Indiana, and comparing quotes can help you get the best price.
Find the Best Company for Your Furry Friend
Spot may be cheapest, but it won’t be right for every Indiana pet parent.
Secure. Free. Easy-to-use.
4.7/5 (1,395+ reviews)
Indiana Pet Insurance FAQs
The answers to these common questions can help you choose the right coverage and understand what to expect from pet insurance in the Hoosier State.
What’s the best pet insurance in Indiana?
It depends. The best pet insurance for you depends on your pet’s specific needs, including its age and any health issues. Compare.com chose Lemonade, Pets Best, and ASPCA as our top picks in Indiana, but you should get quotes from multiple insurers to find the best coverage for your pet.
What is the average cost of pet insurance in Indiana?
Pet insurance costs approximately $40 per month for dogs and $22 for cats in Indiana, according to Compare.com data. You’ll typically pay higher premiums for senior pets, with older dogs averaging $104 per month and cats running $104 per month.
Is pet insurance expensive in Indiana?
Not really. Indiana’s average pet insurance rates are similar to neighboring states, according to Compare.com research. Our data shows that states like Ohio and Kentucky tend to have slightly lower average premiums, while Illinois residents typically pay more for similar coverage.
Is pet insurance worth it in Indiana?
Yes. Pet insurance offers valuable protection for Indiana pet owners. Costs for routine procedures and emergency care can quickly add up, and insurance helps you manage those unexpected expenses while your pet gets the care it needs.
What does pet insurance cover in Indiana?
Most pet insurance in Indiana covers accidents, illnesses, surgeries, diagnostic tests, emergency care, and prescription medications. Many policies include hereditary conditions, behavioral therapy, and alternative treatments like acupuncture. But every insurer is different, so you’ll have to check each company’s offerings.[5]
Disclaimer
Our editorial team created this article with the help of highly trained generative AI tools. That said, multiple insurance experts — including at least one licensed agent — have rigorously reviewed, fact-checked, and edited every word and data point you see here.
We write, edit, and review all of the content on Compare.com according to our strict editorial standards, regardless of how we created it. Learn more about our editorial process.
Methodology
Compare.com data scientists analyzed more than 250,000 pet insurance quotes from our proprietary database — sourced by Fletch Insurance Services LLC (“Fletch”) — to determine the premium prices displayed on this page. These quotes come directly from Compare.com’s 10+ partner insurance companies across all 50 states and Washington, D.C., reflecting monthly pet insurance costs for both dogs and cats.
Unless otherwise specified, premium prices represent one-year rolling medians to account for market volatility driven by factors such as rising veterinary care costs and increased pet ownership.
Breed-level prices incorporate both mixed and purebred pets. To ensure reliability, a minimum of 8 quotes is required for dogs and 4 quotes for cats. Breeds with significant price deviations from the average are noted explicitly; other breeds are estimated based on average costs for all purebred pets.
Pets are grouped into three age brackets:
- Young: under 12 months
- Adult: 12 months to 7 years
- Senior: over 7 years
Coverage Limits
Dog premium averages reflect policies with annual coverage limits of $2,500, $5,000, $10,000, or unlimited.
Cat premium averages reflect policies with annual coverage limits of $2,500, $5,000, $7,000, $10,000, or unlimited.
For both dogs and cats, monthly premiums are segmented by:
- Deductible options: $250, $500, $1,000
- Reimbursement options: 70%, 80%, 90%
Sources
- In.gov. "IDOI: Insurance Laws Rules & Bulletins."
- Animal Legal & Historical Center. "Indiana Administrative Code. Title 345. Indiana State Board of Animal Health. Article 1. Domestic Animal Disease Control; General Provisions. Rule 5. Rabies Immunization."
- Animal Legal & Historical Center. "West's Annotated Indiana Code. Title 15. Agriculture and Animals. Article 20. Animal Control. Chapter 4. Spay-Neuter Requirement for Animal Care Facilities."
- Hurst Limontes. "Is Liability Insurance Required for Aggressive Dog Breeds in Indiana?."
- Fetch. "What Does Pet Insurance Cover?."
