Choosing the right pet insurance company for you and your dog or other pets in Wyoming can be a frustrating and confusing process. How much coverage will my plan provide? How fast will I be reimbursed? Are there any health issues not covered?
Here at iHeartDogs, we created an easy comparison below of all the major pet insurance brands in Wyoming and across the US. You can also use the form below to receive a no obligation quote from all the major pet insurance carriers at once, allowing you to compare pricing and coverage:
Best Pet Health Insurance For Dog in Wyoming
Let’s take a deep dive into the features and benefits of each of the major pet insurance brands here in Wyoming and across the USA. Simply scroll to the right to view all the brands:
CompanyCompanyPets BestLemonadeManyPetsTrupanionFIGOHealthyPawsPrudent PetEmbraceWagmoAnnual CoverageAnnual Coverage$5,000 or UnlimitedUp To $100,000UnlimitedUnlimited$5,000 or UnlimitedUnlimited$10,000 or Unlimited$5,000 – $30,000UnlimitedMulti-pet Discount?Multi-pet Discount?YesYesNoNoYesNoYesYesNoWhat They Do BestWhat They Do BestBest for plan customizationGreat pricing for puppies & kittens$0 copay option. No fees for paying monthly.Best for paying claims to veterinarian directShort waiting periodsBest for paying claims fastBest Trustpilot reviewsBest plan for superior benefitsFast claims. Wellness plan available.iHeartDogs Customer Rating ⭐⭐⭐⭐⭐iHeartDogs Customer Rating ⭐⭐⭐⭐⭐4.3 / 54.6 / 54.7 / 54.5 / 54.1 / 54.4 / 54.5 / 54.5 / 54.1 / 5Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)YesYesYesNoNoNoNoYesYesExample Quote for 1 Year Old 30 lb Mixed BreedExample Quote for 1 Year Old 30 lb Mixed Breed$35.81 per month$20.00 per month$30.00 per month$68.25 per month$69.30 per month$26.25 per month$73.46 per month$42.35 per month$15.00Reimbursement AmountReimbursement Amount90%, 80%, or 70%90%, 80%, or 70%90%, 80%, or 70%90%100%, 90%, 80%, or 70%90%, 80%, 70%, 60%, or 50%90%, 80%, or 70%90%, 80%, or 70%100% or 90%Annual DeductibleAnnual Deductible$50, $100, $200, $250, $500, or $1,000$100, $250, or $500$100, $250, or $500$0 to $1,000$100, $250, $500, or $750$100, $250, $500, $750, or $1,000$100, $250, $500, or $1,000$200, $300, $500, $750, or $1,000$250, $500, or $1,000Get Quote Get Quote Get Quote Get Quote Get Quote Get Quote Get Quote Get Quote Get Quote
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Receive a Free No-Obligation Quote from All the Pet Insurance Carriers At Once
Rather than visiting each insurance carrier’s website, you can use the form below to receive a no obligation quote from all the pet insurance carriers at once, allowing you to easily compare:
Wyoming Pet Insurance FAQs
What Pet Insurance Is Most Widely Accepted In Wyoming?
The purpose of pet insurance is to assist you in covering unforeseen expenses that arise when your pet is ill or wounded. Your insurance company will reimburse you directly instead of dealing with the veterinarian clinic or hospital. With this method, you can use the veterinarian of your choice in any location within the country. In Wyoming, you can find insurance from very popular insurance companies, including Figo, Embrace, Paws, ASPCA, Wagmo, Pumpkin, and Trupanion.
What Is Usually Not Covered By Pet Insurance In Wyoming?
Insurance companies will not cover any pre-existing conditions. Additionally, they will not cover plastic surgery, breeding, and preventative medical treatment. You will still be responsible for paying for things like supplements, boarding, dental care (although some businesses offer this as an optional add-on), and grooming services. Ask your insurance provider for a full list of covered services before starting the policy.
Do Pet Insurance Premiums Go Up With Age In Wyoming?
Yes, age-related price increases are due to the increased risk of illness, disease, and injury in older animals. Additionally, progressive illnesses get worse with time and demand more care. Older dogs are generally more expensive because they recover more slowly from illness and injury. Insurance firms do not want to lose money, so they raise rates.
Can I Get Pet Insurance After Diagnosis In Wyoming?
Pre-existing conditions are typically not covered by pet insurance policies, although there are a few exceptions. Everything is based on what the insurance provider refers to as pre-existing conditions. Any health issues or illnesses that your pet has been treated for and recovered from fall under the category of conditions that can be treated and cured. However, you can still get insurance for any future health concerns and accidents.
Does Pet Insurance Cost More For Certain Breeds In Wyoming?
Certain breeds have distinct genes that make them more susceptible to illness is one reason why medical expenses and insurance premiums vary so much by breed. Furthermore, purebred animals are more prone to genetic health issues which is why they cost more than mixed-breed dogs. Finally, some breeds are more likely to have certain behaviors that can impact their health and raise their rates. If possible, get pricing quotes from multiple businesses before choosing your dog to get an idea of what to budget.
Is Pet Insurance Mandatory In Wyoming?
No, pet insurance is not required in Wyoming for pet owners. However, it is a wise investment because the price of veterinary care rises yearly, making it more and more difficult for the typical household to afford. Pet insurance exists only to help pet owners with their exorbitant vet bills and to bring in money for the insurance firms. Rarely is the government involved, which is why it’s not mandatory.
Does Pet Insurance Start Immediately In Wyoming?
Most pet insurance contracts do not start right away and usually do not go into effect for about two weeks. These policies only cover unintentional injuries, not pre-existing problems. Insurance firms use waiting periods to deter pet owners from waiting until it is too late to buy coverage for their animals. Pet owners might, however, be tempted to wait to buy insurance for their animal without a waiting period until after an incident or disease has occurred.
There are not any plans for pet insurance that do not have a waiting period. The waiting periods demanded by your pet insurance provider are customary before your pet can be reimbursed for medical costs. Insurance is designed to offer protection if something unexpected happens, but it often excludes coverage for pre-existing conditions and does not address problems that have already surfaced.
What Is The Best Deal On Pet Insurance In Wyoming?
In Wyoming, Figo offers the lowest rates and the best coverage. Pawps offers similarly low prices. Lemonade often has the lowest price, but they are not currently available in Wyoming. Most other competitors are significantly more expensive per month. However, you will want to check with a few companies to find the best price for your needs and coverage options.
Your rates can change significantly depending on your pet’s age, breed, health, and location. A dog policy can start as low as $18 a month or reach up to $72 a month. Thankfully, veterinarian costs are about 20 percent lower in Wyoming than the national average, meaning you can save money on your pet insurance.
Can You Claim Animal Expenses On Wyoming Taxes?
Only working, performance and service dogs are eligible for tax advantages; typical household pets are not. Furthermore, the cost of veterinary treatment for pets is not tax deductible, although it can be for service animals. Two examples of service animals are epileptic dogs and guide dogs for clients with hearing or vision impairments.
Most pet-related deductions go to animal welfare organizations. Adoption fees are not tax deductible, but donations to shelters are. You can deduct the price of the food, supplies, transportation, and veterinary treatment if you foster an animal from a reputable organization.
Do Pet Insurance Premiums Go Up After A Claim In Wyoming?
Yes, your insurance provider may think that since you have already made one claim, you are more likely to make more, which would result in higher premiums. The same is true if you have to submit a claim as a result of an incident or the death of a pet. Additionally, remember that an insurance provider will consider your pet’s medical history when assessing your application for new coverage and base their rates on your pet’s beginning health. As a result, you might discover that the price quoted to you is higher than you anticipated.
How Does Pet Insurance Work In Wyoming?
Companies generally require a health check-up and impose a waiting period before coverage begins to prevent owners from purchasing insurance when their pet is already ill. However, the waiting period for accident coverage is typically a few days. In addition, they will work with you directly for claims instead of with your veterinarian’s offices which means you need to pay visits upfront. Insurance companies will assess your claim and, if granted, will send you a check.
Deductibles are the amount you must pay on top of monthly fees before your insurance company will reimburse your costs. The typical range for deductibles is from $0 to $1,000. The insurer will cover a portion of the expense after the deductible, often between 50% and 100%. Your insurance company will specify the annual maximum amount it will cover in medical expenditures. Any fees that are more than the maximum must be paid by you.
Is Pet Insurance Regulated In Wyoming?
As of right now, Wyoming does not regulate pet insurance. However, the National Association of Insurance Commissioners (NAIC) is working to enhance pet health insurance and regulate the system to prevent various problems that can arise over time and inconsistencies across the states.
What Is A Pet Care Plan?
Most pet insurance policies do not cover wellness visits or other routine medical procedures, only services for sickness and accidents. On the other hand, a wellness plan includes regular exams with your veterinarian every year in addition to certain common testing, routine vaccinations, dental cleanings, and more. Insurance companies may call preventative care different names, including wellness or pet care plans.
Health insurance for your pet can be purchased separately or added to an existing policy. These plans include coverage for items like routine check-ups, prescription drugs, and common procedures. In addition, rewards for good health might help offset ongoing expenses that are not covered by ordinary insurance. In order to receive wellness coverage from many insurance providers, you must also purchase normal pet insurance; however, veterinary clinics and other businesses provide wellness policies that you can purchase independently.
Which Pet Insurance Company Does iHeartDogs.com Recommend?
Our recommendation depends very much on your individual situation. You can compare quotes for your dog’s age and your location here. We can report that Trupanion, HealthyPaws, and Pets Best are very popular with iHeartDogs supporters.
What do iHeartDogs Readers Think About Pet Insurance?
Is Pet Insurance Worth It? – We asked  Dog Owners and Here’s What They Said
Pet insurance is “worth it” if you can afford the cost of the insurance, but could not afford an emergency vet bill. However, the best plan is to only get a pet if you can afford vet care, & to have a special savings account set aside for pet emergency care. – Louise
Very much worth it. I have Nationwide. It used to be VPI. It doesn’t cover things in full, but it very much helps. More then paid for itself with my first two dogs. Haven’t needed it much with the two I have now but if something happens, I won’t hesitate to get the best treatment I can. It really helps. – Beth
Yes it is worth it. But you need to shop wisely for it. I have care credit that is used when needed. With no excluded treatments because it’s up to me! Great rates and options to pay back. Saved my bank account a number of times. – Jennifer
Always worth it with my previous pet dog, Louie (French bulldog) and current pet dog, Lucy (dachshund).
It’s more than paid for itself each time. Unless you can cough up $10,000 for an emergency surgery I suggest you get pet insurance. Healthy Paws I highly recommend!!! – Leo
My vet one time said…my a “Dogs are Expensive” account. Whatever the going rate for pet insurance is…say $100…put that monthly in the “D A E” account. If you are ahead at the end of the year roll that money over….then, if you do need a big sum you have it, and if you don’t the $ is in your pocket and not the insurance company’s… whatever you decide..good luck! – Peggy
With my last dog no. I paid 17 years and never made a claim. With the two I have now definitely. My JR managed to get a dog toy piece stuck in her intestine – hugh, expensive op so worth it. I don’t like the fact that even though my dogs are both young, the premium has gone way up however. 3&2 are not senior dogs. – Kit
Before just checking quotes check with your vet or ones in your area. The one problem with many pet insurances it actually may affect the cost a vet or clinic may charge for a service based on what they may have to pay or what they need to do get paid. For example a base xray charge may be $100 if you pay yourself but say you use insurance A that may cost the clinic so much a year to be a member or requires so much documentation or takes so long for payment may increase the charge to $130-150 .Then if you have a deductible you will be paying more. Your vet will also know which ones are more reliable for your area and for the needs for your breed. – Candi
I would never have a pet without insurance. Way too risky for those sudden and age related injuries/health issues . Everyday check- ups and vaccines are incidental costs compared to many things that can go wrong w ur furry family member – Holly
I’m furious that insurance companies have now made owning pets incredibly expensive. Once insurance companies enter into the equation, the price for everything goes “through the roof.” I wish these monsters would be regulated and insurance, health care was NON PROFIT!!!!!! – Rhonda
Yes Healthy Paws has been great. My Boston is on constant eye meds for about 6 years and 2 surgeries. I have 80 percent and they pay right away. – Lynda
Worth it if you plan ahead. One of my dogs I adopted and got insurance a year or so later and insurance has denied EVERYTHING…even an ear infection at 10 years old, as a preexisting condition because she had one when she was 3years old. My other dog I got insurance right away (lesson learned!) and it has been a huge benefit because ten years later he had significant medical expenses that were covered at 90% I could not be more thankful to have the insurance – Shannon
Definitely worth every penny! Our Shitz tore her ACL, swallowed my husband’s hearing aid, puts everything in her mouth!!! We have Healthy Paws. Very pleased. Just wish we went with 90% coverage instead of 80%. Get it BEFORE they have an issue!! – Jan
Nope not worth it. I love my babies but, it’s like human insurance, Hardly worth getting. More n likely whatever your pet has insurance won’t cover it so your still gonna pay out the ying yang. So here we are paying out the ying yang for insurance and still paying high dollar to a vet. – Nancy
Yes. My sweet hound developed allergies. The insurance covers are $73. Apoquel prescription plus everything else that goes wrong. She had a cough with meds the bill was over $400. Very happy we have insurance. – Pamela
Yes! For 10 years I never had to use it. Then my dog got very sick and needed to go to the animal hospital. She was diagnosed with diabetes and cushings disease and the costs for all the medications and testing she undergoes until we get her regulated is exorbitant. With the insurance I’ve been getting most of it back. – Erica
Worth it! Preventative/wellness services usually aren’t included with accident/injury plans, but most insurances offer that separately (for more money). Get coverage asap when you get a pet… preexisting conditions are almost never covered and the older a dog gets, the higher the cost gets. I had Nationwide through my previous employer. The plans were supposed to follow my pets for life, after I left the job, but (long story short) the plans were cancelled. So now I’m getting new insurance through ManyPets for a dog who was 9 when I got the Nationwide plan, but is now 13 – with preexisting conditions. For all three of my dogs, it’s about $235/month (that’s with the optional wellness plans added for each). But if anything happens to any of my “kids”, I pay a $250 annual deductible, then ManyPets covers 80% – with no lifetime limit. – Andrea
Yes. It’s worth it. You never know what might happen. I see so many go fund me’s to help animals when insurance would have covered it. Fyi, Trupanion is slightly more expensive but can pay the Vet directly if the Vet is signed up on their system. I have my 2 dogs and 2 cats covered. – Blythe
More Popular Pet Insurance Resources
Thanks for reviewing our guide to comparing pet insurance brands. Below you find some additional pet insurance resources from iHeartDogs.com
Compare Pet Insurance Quotes
A Vet Explains What You Need To Know About Pet Insurance For Your Dog
If You Don’t Have This Much Money Set Aside In An Emergency Fund, You Probably Need Pet Insurance
Pet Insurance: Rip-Off Or Life-Saver?
With Pet Insurance, Your Dog Is 4x More Likely To Survive A Medical Emergency
Trupanion vs. Pets Best Pet Insurance: In-Depth Comparison
iHeartDogs is reader-supported. When you buy via links on our site, we may earn an affiliate commission at no extra cost to you.
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