I started Insurance Blog by Chris™ because I have a passion for insurance. Here at the blog, our job is to educate and inform people about the best insurance for them. Since then, we have grown into national brands with a large team of researchers helping people understand all forms of insurance.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: May 20, 2021

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As pet parents, keeping your pet needs a priority can be extremely expensive, especially if your pet suffers from a hereditary condition or needs cancer treatments. Pet owners in the United States are experiencing a rise in vet bills whether emergency or routine health care costs, creating a strain on their budgets.

We hope to explain how pet insurance works and if indeed, is pet insurance worth it. Peace of mind is priceless, especially when relating to our pets.

When searching for a pet health insurance policy, it’s crucial that you shop around and compare several pet insurance companies. Each company will vary when doling out pet insurance quotes

There are plenty of pet insurance plans available, and to make the search even easier we’ve compiled this list of the five best insurance agencies of pet insurance in Minnesota.

Whether you live in St. Paul or Minneapolis, when compared with the rest of the country, Minnesota’s veterinary care 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 (co-pay), claims process, and reputation.

Pet Insurance in Minnesota

Here are the 5 best providers of pet insurance in MN:

  1. Embrace
  2. Pets Best
  3. Trupanion
  4. Banfield Pet Hospital
  5. Healthy Paws

Embrace Pet Insurance

Embrace is one of the most inexpensive pet insurance providers in the United States 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 medical care treatments and conditions, like hip dysplasia.

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.

Learn More: Read our full Embrace Pet Insurance Review.

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

Fetch Rates with Embrace

 

Pets Best Pet Insurance

Pets Best, a New York company, offers one of the most customizable plans in the industry.

Customers can tailor coverage to suit their budget, selecting their annual 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.

Learn More: Read our full Pets Best Pet Insurance Review.

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

Fetch Rates with Pets Best

 

Trupanion Pet Insurance

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.

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

 

Banfield Pet Hospital

Although Banfield Pet Animal 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.

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

Healthy Paws Pet Insurance

Healthy Paws pet insurance offers pet insurance 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. If you have an exotic animal, Healthy Paws isn’t the company for you. Check out Nationwide, as they are one of the only companies that will cover exotic animals.

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. They also offer a short 15 day waiting period and have a mobile app, making submitting claims and paying for your insurance services convenient.

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.

Learn More: Read our full Healthy Paws Pet Insurance Review.

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

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Shopping for Pet Insurance In MN

Not all policies cover spay and neuter costs, which can get expensive. Not only do they help curb the overwhelming stray dog and cat population, but spay/neuter surgeries have also been proven to prevent future cancers.

If your plan doesn’t cover this, consider finding your local ASPCA chapter, as they will offer low cost and even free neuter/spay surgeries.

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

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.

Find the Best Pet Insurance In YOUR State