No matter where you live, it’s important to provide your pet with good health care that will help you cover the cost of an unexpected accident or illness. Nebraska is a good place to enjoy many outdoor activities with your dog, such as stargazing in the Sandhills or visiting Lake Ericson. Even your cat needs protection in case they swallow a poisonous plant or get a snake bite during their outdoor explorations. Here are our top six choices for pet insurance providers in the Cornhusker state, as well as tips to find the best policy overall.
A Quick Look at the Winners for 2023
Image Product Details
Best Overall
Lemonade
Low annual deductibles
Accident-only plan is around $10 per month
The puppy add-on offers some of the most inclusive coverage for young dogs
Click to Get Quote
Spot
Unlimited maximum payout option
No upper age limit to enroll
Two wellness add-on options
Click to Get Quote
Embrace
Offers international coverage for up to six months if traveling with your pet
Inclusive coverage options for the lowest price
Wellness plan includes uncommon coverage, such as routine grooming
Click to Get Quote
Healthy Paws
No maximums per incident, annually, or for life
Moderate-high price
Specializes in one inclusive accident and illness policy
Click to Get Quote
Pet’s Best
Flexible coverage choices
Two wellness options
$5,000 or unlimited annual payout
Click to Get Quote
Our 6 Pet Insurance Reviews in Nebraska
- Lemonade – Best Overall
Compare Lemonade PlansIf you live in Nebraska, you’re lucky because it’s one of the 35 states currently covered by Lemonade! One of the newest pet insurance companies on the market, Lemonade is our top pick because they offer flexible policies that can start as low as $10 per month if you’re wanting accident-only protection that won’t break the bank but offer more inclusive plans for a higher price. Lemonade lets you choose between a wide range of maximum annual payouts from $5,000-$100,000. Your choice will greatly determine the price of your premium, but at least their annual deductibles options are only $100, $250, or $500, which is extremely low compared to their competitors. Although they have perks for any dog, we think Lemonade is the best choice overall for puppies in particular. In addition to their basic coverage options available to adult dogs, their $40/month puppy add-on policy covers extra vaccines and exams, plus other expenses related to your new pet such as spay/neuter, microchip, and flea prevention. However, Lemonade isn’t all sweet. They tend to be pickier than their competitors about which pets are allowed to enroll, and the rules aren’t laid out clearly. It seems like your pet’s eligibility depends on their breed’s average life expectancy, which varies considerably. Because Lemonade won’t necessarily insure an older pet, we think they’re a fantastic, flexible choice for puppies or younger dogs, but possibly a lemon for seniors.
Pros
Low annual deductibles
Accident-only plan is around $10 per month
The puppy add-on offers some of the most inclusive coverage for young dogs
Highly flexible annual maximum payout, up to $100,000
Cons
Not all pets are eligible, depending on life expectancy of the breed
- Spot
Compare Spot PlansThis pet insurance company hits the spot with its extensive coverage choices. Spot offers a flexible annual maximum payout range as low as $2,500, all the way up to unlimited depending on how much you want to pay each month. Your annual deductible can be as little as $100 or as high as $1,000. Like most pet insurance companies, Spot supplies an accident-only or accident & illness policy depending on your desired coverage. Their accident & illness policy stands out from the pack by featuring uncommon coverage on holistic procedures such as acupuncture. They’ll even cover the costs associated with dental disease. Spot offers two optional wellness plans for $9.95/month or $24.95/month. The Platinum add-on costs $24.95 per month and will even pay up to $150 for spay/neuter surgery, or a dental cleaning depending on which one you choose. Unlike Embrace, however, Spot does considerably limit how you can use your wellness plan. You’re only allotted a certain amount per expense, and they won’t pay for all routine expenses such as grooming. We like how this company’s coverage doesn’t become spotty as your pet ages. There are no upper age restrictions, so Spot will insure your pet as long as they’re 8 weeks or older.
Pros
Accident and illness plan covers holistic therapies such as acupuncture
Wide ranges of annual maximum payout, deductibles, and coverage
Unlimited maximum payout option
Two wellness add-on options
No upper age limit to enroll
Cons
Strict payout allowance limits in wellness plan
- Embrace
Compare EmbracePlansEmbrace scores the best for the most inclusive coverage at the lowest price. While their annual deductible is higher than some choices, they’re one of the only pet insurance companies to offer their depth of coverage. They’ll even insure your pet if they travel abroad with you, covering international health expenses for up to six months. Embrace offers an accident-only and accident & illness plan if you’re on a tight budget, but you’ll reap the most rewards if you add their wellness rewards option. This stellar add-on pays for itself by charging you a monthly fee (dependent on your maximum payout amount for wellness) and then allotting your pet with an annual amount of $250, $450, or $650 to cover routine expenses. There are no per-incident caps, which means that you can spend all of your annual allowance on a single expense or break it up if you want to spread out your benefits through the year. Some pet parents may want to use it to help budget for routine expenses, such as flea prevention. Unlike most preventative programs, Embrace Wellness Rewards even covers grooming! Their monthly costs are cheaper than most, but unfortunately their annual deductible is relatively high. You can expect to pay between $200-$1,000 on their deductible every year. Your pet also must have made a visit to the vet within one year of enrollment, which means you’ll have to pay for at least one visit out-of-pocket before you’re accepted.
Pros
Offers international coverage for up to six months if traveling with your pet
Inclusive coverage options for the lowest price
Wellness plan includes uncommon coverage, such as routine grooming
Cheaper monthly cost than some
Cons
High annual deductible
Vet visit required within a year prior to enrollment
- Healthy Paws
Compare Healthy Paws PlansHealthy Paws specializes in one plan that includes all accidents and most illnesses with no maximum payout of any kind. Even if your mischievous cat decides to use all nine of its lives in one year, Healthy Paws will cover them all at no extra cost to you. They’re our favorite choice for an accident and illness policy because it’s inclusive with no ceiling for unexpected costs. Healthy Paws isn’t exactly a budget option; the cost is average but may be a little more expensive than most considering wellness isn’t included. Healthy Paws isn’t the best choice if you’re looking for complete health care coverage because they won’t pay for preventative care or dental. They also won’t cover exam fees or telemedicine, which may be off-putting to some pet parents who may not live near an animal hospital. If your pet is over six years old, there are some coverage restrictions such as not being eligible for hip dysplasia expenses. However, for a young pup with a full life of accidents and illnesses ahead of them, Healthy Paws can lend a helping hand to deal with those health crises as they arise.
Pros
No maximums per incident, annually, or for life
Specializes in one inclusive accident and illness policy
Moderate-high price
Cons
No wellness plans
Doesn’t cover exam fees, telemedicine, or dental
Eligibility restrictions on pets older than 6 years
- Pet’s Best
Compare Pets BestPlansPet’s Best gives you the freedom to decide how much coverage you need and how much you want to pay per month or annually. Both their accident-only and their accident and illness plans come in three tiers that can be customized based on annual deductible, reimbursement level, and annual payout, which is $5,000 or unlimited. They also offer two wellness plans for $16 or $26 per month to help cover the cost of routine appointments such as annual check-ups or rabies vaccinations. The worst part about Pet’s Best is that although they offer diverse coverage options, the highest multi-tiered plans and add-ons can considerably raise your premium. If you tried to get complete coverage for your pet, you could easily have a $60+ bill each month. Even so, Pet’s Best offers one of the widest ranges of coverage choices for a fairly decent price.
Pros
Flexible coverage choices
$5,000 or unlimited annual payout
Two wellness options
Cons
Some options can get pricey
- Physicians Mutual Pet Insurance
Compare Physicians Mutual PlansThis little-known gem is based in Nebraska and offers pretty decent coverage to your pet for a low price. Their prices start around $10 and work their way to $50+ for complete coverage. However, as you begin to shop you should know that their plans are laid out a little differently than most. Instead of showing an accident-only or accident and illness plan with optional wellness add-on, Physicians Mutual quotes three pet insurance policies—Preferred, Standard, and Economy—with customizable rates. These plans somewhat correspond to the typical policies but not perfectly. For example, exams and office visits aren’t included in the cheaper Standard or Economy plans—even for accidents or illnesses, but they are included in the Preferred Plan. They also have some very specific exclusions such as, they won’t cover dental costs or external parasites such as fleas and ticks. Interestingly, Physicians Mutual also won’t pay for an illness which might have been prevented by vaccination. We think their Preferred Plan is probably the best coverage option for the money since it’s cheaper than purchasing a traditional accident & illness plan plus wellness for similar coverage. However, if you’re looking for a comprehensive accident and illness plan without paying the highest price, you’d probably be better off with Pet’s Best or Lemonade.
Pros
Based in Nebraska
Offers three coverage plans with customizable rates
Cons
Doesn’t cover dental
Won’t pay for a condition which may have been prevented by vaccination
Excluded treatment for external parasites such as fleas or ticks
Buyer’s Guide: Choosing the Right Pet Insurance Provider in Nebraska
What to Look for in Pet Insurance With so many companies on the market, you may be wondering what qualities make a particular policy the right choice for your pet. When researching, you should always get a quote so that the numbers are specifically tailored to your cat or dog, as well as where you live because coverage can be limited or more expensive depending on your region. Thankfully, Nebraska is a pretty rural area which should give you cheaper coverage than a city like Los Angeles or New York. Policy Coverage Not all pet insurance companies cover every state. For example, Lemonade isn’t available yet in 15 states but thankfully Nebraska is included. If you plan on traveling internationally, you should know that your pet may not have coverage outside the United States, or only for a limited amount of time. Embrace is the only company that covers international travel for up to 6 months beyond the North American continent. Customer Service & Reputation Checking third party sources like Consumer Reports can give you a piece of mind about choosing a company. Professional reviews are great and can help you understand the more technical aspects of your insurance policy, but there’s nothing better than reading reviews from fellow pet parents to understand how these things work in practice. Claim Repayment Unlike human healthcare, which relies on your health provider being “in network,” most pet insurance companies allow you to take your animal to any provider you choose. The downside to this however is that you usually have to pay your vet bills out of pocket, and then wait for the insurance company to reimburse you after you submit a claim. Since few people can afford to have a large tab on their credit card, it’s important to find a pet insurance company who has a reputation for quick claim repayments. Company websites and professional reviews like this one are a good source to get a rough estimate but check customer reviews to see if the company’s fast turnaround policy is actually implemented or just looks good on paper. Image Credit: Rawpixel.com, Shutterstock Price Of Policy The extent of your coverage, your annual limit, deductible, percentage, and monthly bill all determine the total price of your premium. You might want to evaluate your budget to see if you can best afford a low monthly cost with a high annual deductible at the end of your policy period, or if it would be better to go ahead and pay a higher monthly price (or the total premium all at once if your company allows it) with a low annual deductible when it’s time to renew your policy. Plan Customization Maybe you want help budgeting for annual check-ups with a wellness plan. Or perhaps you really just need someone to have your back if your pet hurts its leg on a hiking trip. It’s important to pick a coverage plan that pays for what you need it to and doesn’t overburden your budget for the things you can pay for yourself. Which Pet Insurance Provider Is Best for You? The best insurance for your pup covers them in case of emergencies, fits your budget, and possibly helps you to pay for their regular expenses such as flea prevention and vaccines. If you’re on a low budget, you should at least consider an accident-only or accident & illness policy because you don’t want an emergency bill to stand in the way between you and your pet.
Conclusion We’ve reviewed our top picks for pet insurance providers in the Cornhusker state, but the best choice depends on you and your dog or cat. Lemonade is our best overall pick since they offer low annual deductibles and a high maximum payout. Spot takes our number two spot for their range of accident policy, payout plans and has no upper pet age restrictions. Embrace is our third choice because they offer inclusive coverage that will follow you even as you travel, all while keeping your monthly bills at a reasonable cost. Get a quote today to protect your pet against life’s unexpected emergencies.
See also: 10 Best Pet Insurance Plans in Nebraska – Reviews & Top Picks
Featured Image Credit: Elena Rogulina, Pixabay
No matter where you live, it’s important to provide your pet with good health care that will help you cover the cost of an unexpected accident or illness. Nebraska is a good place to enjoy many outdoor activities with your dog, such as stargazing in the Sandhills or visiting Lake Ericson. Even your cat needs protection in case they swallow a poisonous plant or get a snake bite during their outdoor explorations. Here are our top six choices for pet insurance providers in the Cornhusker state, as well as tips to find the best policy overall.
A Quick Look at the Winners for 2023
Image Product Details
Best Overall
Lemonade
Low annual deductibles
Accident-only plan is around $10 per month
The puppy add-on offers some of the most inclusive coverage for young dogs
Click to Get Quote
Spot
Unlimited maximum payout option
No upper age limit to enroll
Two wellness add-on options
Click to Get Quote
Embrace
Offers international coverage for up to six months if traveling with your pet
Inclusive coverage options for the lowest price
Wellness plan includes uncommon coverage, such as routine grooming
Click to Get Quote
Healthy Paws
No maximums per incident, annually, or for life
Moderate-high price
Specializes in one inclusive accident and illness policy
Click to Get Quote
Pet’s Best
Flexible coverage choices
Two wellness options
$5,000 or unlimited annual payout
Click to Get Quote
Our 6 Pet Insurance Reviews in Nebraska
1. Lemonade – Best Overall
Compare Lemonade PlansIf you live in Nebraska, you’re lucky because it’s one of the 35 states currently covered by Lemonade! One of the newest pet insurance companies on the market, Lemonade is our top pick because they offer flexible policies that can start as low as $10 per month if you’re wanting accident-only protection that won’t break the bank but offer more inclusive plans for a higher price.
Lemonade lets you choose between a wide range of maximum annual payouts from $5,000-$100,000. Your choice will greatly determine the price of your premium, but at least their annual deductibles options are only $100, $250, or $500, which is extremely low compared to their competitors. Although they have perks for any dog, we think Lemonade is the best choice overall for puppies in particular. In addition to their basic coverage options available to adult dogs, their $40/month puppy add-on policy covers extra vaccines and exams, plus other expenses related to your new pet such as spay/neuter, microchip, and flea prevention.
However, Lemonade isn’t all sweet. They tend to be pickier than their competitors about which pets are allowed to enroll, and the rules aren’t laid out clearly. It seems like your pet’s eligibility depends on their breed’s average life expectancy, which varies considerably. Because Lemonade won’t necessarily insure an older pet, we think they’re a fantastic, flexible choice for puppies or younger dogs, but possibly a lemon for seniors.
Low annual deductibles
Accident-only plan is around $10 per month
The puppy add-on offers some of the most inclusive coverage for young dogs
Highly flexible annual maximum payout, up to $100,000
- Low annual deductibles
- Accident-only plan is around $10 per month
- The puppy add-on offers some of the most inclusive coverage for young dogs
- Highly flexible annual maximum payout, up to $100,000
Not all pets are eligible, depending on life expectancy of the breed
- Not all pets are eligible, depending on life expectancy of the breed
2. Spot
Compare Spot PlansThis pet insurance company hits the spot with its extensive coverage choices. Spot offers a flexible annual maximum payout range as low as $2,500, all the way up to unlimited depending on how much you want to pay each month. Your annual deductible can be as little as $100 or as high as $1,000. Like most pet insurance companies, Spot supplies an accident-only or accident & illness policy depending on your desired coverage. Their accident & illness policy stands out from the pack by featuring uncommon coverage on holistic procedures such as acupuncture. They’ll even cover the costs associated with dental disease.
Spot offers two optional wellness plans for $9.95/month or $24.95/month. The Platinum add-on costs $24.95 per month and will even pay up to $150 for spay/neuter surgery, or a dental cleaning depending on which one you choose. Unlike Embrace, however, Spot does considerably limit how you can use your wellness plan. You’re only allotted a certain amount per expense, and they won’t pay for all routine expenses such as grooming.
We like how this company’s coverage doesn’t become spotty as your pet ages. There are no upper age restrictions, so Spot will insure your pet as long as they’re 8 weeks or older.
Accident and illness plan covers holistic therapies such as acupuncture
Wide ranges of annual maximum payout, deductibles, and coverage
Unlimited maximum payout option
Two wellness add-on options
No upper age limit to enroll
- Accident and illness plan covers holistic therapies such as acupuncture
- Wide ranges of annual maximum payout, deductibles, and coverage
- Unlimited maximum payout option
- Two wellness add-on options
- No upper age limit to enroll
Strict payout allowance limits in wellness plan
- Strict payout allowance limits in wellness plan
3. Embrace
Compare EmbracePlansEmbrace scores the best for the most inclusive coverage at the lowest price. While their annual deductible is higher than some choices, they’re one of the only pet insurance companies to offer their depth of coverage. They’ll even insure your pet if they travel abroad with you, covering international health expenses for up to six months. Embrace offers an accident-only and accident & illness plan if you’re on a tight budget, but you’ll reap the most rewards if you add their wellness rewards option. This stellar add-on pays for itself by charging you a monthly fee (dependent on your maximum payout amount for wellness) and then allotting your pet with an annual amount of $250, $450, or $650 to cover routine expenses.
There are no per-incident caps, which means that you can spend all of your annual allowance on a single expense or break it up if you want to spread out your benefits through the year. Some pet parents may want to use it to help budget for routine expenses, such as flea prevention. Unlike most preventative programs, Embrace Wellness Rewards even covers grooming!
Their monthly costs are cheaper than most, but unfortunately their annual deductible is relatively high. You can expect to pay between $200-$1,000 on their deductible every year. Your pet also must have made a visit to the vet within one year of enrollment, which means you’ll have to pay for at least one visit out-of-pocket before you’re accepted.
Offers international coverage for up to six months if traveling with your pet
Inclusive coverage options for the lowest price
Wellness plan includes uncommon coverage, such as routine grooming
Cheaper monthly cost than some
- Offers international coverage for up to six months if traveling with your pet
- Inclusive coverage options for the lowest price
- Wellness plan includes uncommon coverage, such as routine grooming
- Cheaper monthly cost than some
High annual deductible
Vet visit required within a year prior to enrollment
- High annual deductible
- Vet visit required within a year prior to enrollment
4. Healthy Paws
Compare Healthy Paws PlansHealthy Paws specializes in one plan that includes all accidents and most illnesses with no maximum payout of any kind. Even if your mischievous cat decides to use all nine of its lives in one year, Healthy Paws will cover them all at no extra cost to you. They’re our favorite choice for an accident and illness policy because it’s inclusive with no ceiling for unexpected costs. Healthy Paws isn’t exactly a budget option; the cost is average but may be a little more expensive than most considering wellness isn’t included.
Healthy Paws isn’t the best choice if you’re looking for complete health care coverage because they won’t pay for preventative care or dental. They also won’t cover exam fees or telemedicine, which may be off-putting to some pet parents who may not live near an animal hospital.
If your pet is over six years old, there are some coverage restrictions such as not being eligible for hip dysplasia expenses. However, for a young pup with a full life of accidents and illnesses ahead of them, Healthy Paws can lend a helping hand to deal with those health crises as they arise.
No maximums per incident, annually, or for life
Specializes in one inclusive accident and illness policy
Moderate-high price
- No maximums per incident, annually, or for life
- Specializes in one inclusive accident and illness policy
- Moderate-high price
No wellness plans
Doesn’t cover exam fees, telemedicine, or dental
Eligibility restrictions on pets older than 6 years
- No wellness plans
- Doesn’t cover exam fees, telemedicine, or dental
- Eligibility restrictions on pets older than 6 years
5. Pet’s Best
Compare Pets BestPlansPet’s Best gives you the freedom to decide how much coverage you need and how much you want to pay per month or annually. Both their accident-only and their accident and illness plans come in three tiers that can be customized based on annual deductible, reimbursement level, and annual payout, which is $5,000 or unlimited. They also offer two wellness plans for $16 or $26 per month to help cover the cost of routine appointments such as annual check-ups or rabies vaccinations.
The worst part about Pet’s Best is that although they offer diverse coverage options, the highest multi-tiered plans and add-ons can considerably raise your premium. If you tried to get complete coverage for your pet, you could easily have a $60+ bill each month. Even so, Pet’s Best offers one of the widest ranges of coverage choices for a fairly decent price.
Flexible coverage choices
$5,000 or unlimited annual payout
Two wellness options
- Flexible coverage choices
- $5,000 or unlimited annual payout
- Two wellness options
Some options can get pricey
- Some options can get pricey
6. Physicians Mutual Pet Insurance
Compare Physicians Mutual PlansThis little-known gem is based in Nebraska and offers pretty decent coverage to your pet for a low price. Their prices start around $10 and work their way to $50+ for complete coverage. However, as you begin to shop you should know that their plans are laid out a little differently than most. Instead of showing an accident-only or accident and illness plan with optional wellness add-on, Physicians Mutual quotes three pet insurance policies—Preferred, Standard, and Economy—with customizable rates. These plans somewhat correspond to the typical policies but not perfectly. For example, exams and office visits aren’t included in the cheaper Standard or Economy plans—even for accidents or illnesses, but they are included in the Preferred Plan.
They also have some very specific exclusions such as, they won’t cover dental costs or external parasites such as fleas and ticks. Interestingly, Physicians Mutual also won’t pay for an illness which might have been prevented by vaccination.
We think their Preferred Plan is probably the best coverage option for the money since it’s cheaper than purchasing a traditional accident & illness plan plus wellness for similar coverage. However, if you’re looking for a comprehensive accident and illness plan without paying the highest price, you’d probably be better off with Pet’s Best or Lemonade.
Based in Nebraska
Offers three coverage plans with customizable rates
- Based in Nebraska
- Offers three coverage plans with customizable rates
Doesn’t cover dental
Won’t pay for a condition which may have been prevented by vaccination
Excluded treatment for external parasites such as fleas or ticks
- Doesn’t cover dental
- Won’t pay for a condition which may have been prevented by vaccination
- Excluded treatment for external parasites such as fleas or ticks
Buyer’s Guide: Choosing the Right Pet Insurance Provider in Nebraska
What to Look for in Pet Insurance
With so many companies on the market, you may be wondering what qualities make a particular policy the right choice for your pet. When researching, you should always get a quote so that the numbers are specifically tailored to your cat or dog, as well as where you live because coverage can be limited or more expensive depending on your region. Thankfully, Nebraska is a pretty rural area which should give you cheaper coverage than a city like Los Angeles or New York.
Policy Coverage
Not all pet insurance companies cover every state. For example, Lemonade isn’t available yet in 15 states but thankfully Nebraska is included. If you plan on traveling internationally, you should know that your pet may not have coverage outside the United States, or only for a limited amount of time. Embrace is the only company that covers international travel for up to 6 months beyond the North American continent.
Customer Service & Reputation
Checking third party sources like Consumer Reports can give you a piece of mind about choosing a company. Professional reviews are great and can help you understand the more technical aspects of your insurance policy, but there’s nothing better than reading reviews from fellow pet parents to understand how these things work in practice.
Claim Repayment
Unlike human healthcare, which relies on your health provider being “in network,” most pet insurance companies allow you to take your animal to any provider you choose. The downside to this however is that you usually have to pay your vet bills out of pocket, and then wait for the insurance company to reimburse you after you submit a claim. Since few people can afford to have a large tab on their credit card, it’s important to find a pet insurance company who has a reputation for quick claim repayments. Company websites and professional reviews like this one are a good source to get a rough estimate but check customer reviews to see if the company’s fast turnaround policy is actually implemented or just looks good on paper.
Price Of Policy
The extent of your coverage, your annual limit, deductible, percentage, and monthly bill all determine the total price of your premium. You might want to evaluate your budget to see if you can best afford a low monthly cost with a high annual deductible at the end of your policy period, or if it would be better to go ahead and pay a higher monthly price (or the total premium all at once if your company allows it) with a low annual deductible when it’s time to renew your policy.
Plan Customization
Maybe you want help budgeting for annual check-ups with a wellness plan. Or perhaps you really just need someone to have your back if your pet hurts its leg on a hiking trip. It’s important to pick a coverage plan that pays for what you need it to and doesn’t overburden your budget for the things you can pay for yourself.
Which Pet Insurance Provider Is Best for You?
The best insurance for your pup covers them in case of emergencies, fits your budget, and possibly helps you to pay for their regular expenses such as flea prevention and vaccines. If you’re on a low budget, you should at least consider an accident-only or accident & illness policy because you don’t want an emergency bill to stand in the way between you and your pet.
Conclusion
We’ve reviewed our top picks for pet insurance providers in the Cornhusker state, but the best choice depends on you and your dog or cat. Lemonade is our best overall pick since they offer low annual deductibles and a high maximum payout. Spot takes our number two spot for their range of accident policy, payout plans and has no upper pet age restrictions. Embrace is our third choice because they offer inclusive coverage that will follow you even as you travel, all while keeping your monthly bills at a reasonable cost. Get a quote today to protect your pet against life’s unexpected emergencies.
- See also: 10 Best Pet Insurance Plans in Nebraska – Reviews & Top Picks
Featured Image Credit: Elena Rogulina, Pixabay
