No matter where you live, it’s a good idea to insure your dog against unexpected accidents. Some plans include more comprehensive coverage such as illness, and there are a few that even have a wellness rewards add-on to help you pay for their routine medical expenses such as dental cleanings.
Although most pet insurance companies insure nationwide, a few offer only regional coverage. It’s also true that pet insurance may cost more if you live near a big city. Here are our reviews for seven pet insurance companies that provide coverage everywhere in Nevada, as well as our best overall choice.
A Quick Look at the Winners for 2023
Image Product Details
Best Overall
Embrace with Wellness Rewards
Cheaper per month
You can see any licensed vet while traveling anywhere in the world
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Best Value
Fetch by the Dodo
Cheap, flexible rates
Coverage of more niche areas
Pays for any vet in the U.S. or Canada
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Pumpkin
All dogs and cat are eligible after 8 weeks old
Unlimited maximum payout option
Extensive coverage with optional Preventative Essential add-on
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Pet’s Best
$5,000 or unlimited annual limit
Several coverage options
Discount if you pay annually instead of monthly
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ASPCA
Good coverage for a fair price
No age restrictions past 8 weeks old
Accident-only and Comprehensive options
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Our 7 Pet Insurance Reviews in Nevada
- Embrace with Wellness Rewards Add-on – Best Overall
Compare Embrace Plans Embrace Pet Insurance is the best overall pet insurance plan in Nevada. Not only does Embrace offer one of the most comprehensive coverage plans, they also will pay for your pet’s medical bills no matter where you are. Embrace is one of the only companies that will cover medical expenses during up to six months of international travel. They have an accident-only plan and an accident & illness plan, but you’ll see the greatest benefits if you choose the wellness rewards add-on.
Embrace was one of the cheapest companies per month; however, their deductibles were extremely high. The lowest option was $200 and went up to $1,000 annually. Because of their global coverage, few exclusions, and relatively low price, we decided Embrace with Wellness Rewards Add-on is the best overall choice if you live in Nevada—or anywhere, really.
Compare Embrace Plans
Embrace Pet Insurance is the best overall pet insurance plan in Nevada. Not only does Embrace offer one of the most comprehensive coverage plans, they also will pay for your pet’s medical bills no matter where you are. Embrace is one of the only companies that will cover medical expenses during up to six months of international travel. They have an accident-only plan and an accident & illness plan, but you’ll see the greatest benefits if you choose the wellness rewards add-on.
Pros
Cheaper per month
You can see any licensed vet while traveling anywhere in the world
Cons
High annual deductibles
- Fetch by the Dodo – Best Value
Compare Fetch Plans Fetch is the best pet insurance plan in Nevada for the money. You’re probably familiar with the Dodo if you like to scroll through cute puppy videos on social media, but did you know they’re affiliated with an insurance company called Fetch? Their monthly prices are extremely low, and their annual deductibles aren’t bad either. While they don’t offer wellness coverage, their one plan is very inclusive about which accidents and illnesses they’ll pay for and flexible on price according to deductible and monthly rates.
There’s an option for a $5,000, $10,000 or $15,000 total annual limit. Some of the most exciting features of this plan is that they’ll pay for telehealth visits up to $1,000 as well as alternative and holistic therapies such as chiropractic care that aren’t typically part of a standard package. They’ll even pay up to $1,000 of the reward money if someone finds your lost pet!
Cheaper per month
You can see any licensed vet while traveling anywhere in the world
- Cheaper per month
- You can see any licensed vet while traveling anywhere in the world
High annual deductibles
- High annual deductibles
Compare Fetch Plans
Fetch is the best pet insurance plan in Nevada for the money. You’re probably familiar with the Dodo if you like to scroll through cute puppy videos on social media, but did you know they’re affiliated with an insurance company called Fetch? Their monthly prices are extremely low, and their annual deductibles aren’t bad either. While they don’t offer wellness coverage, their one plan is very inclusive about which accidents and illnesses they’ll pay for and flexible on price according to deductible and monthly rates.
Fetch will cover any licensed vet (even virtually!), but like most pet insurance providers, they don’t cover pre-existing conditions and you must pay the vet first before you’re reimbursed.
We think this is the best value option because all of the payment options for their one insurance plan are super cheap and offer wide coverage eligible at any licensed vet in the U.S. or Canada.
Pros
Cheap, flexible rates
Coverage of more niche areas such as chiropractic care
Pays for any vet in the U.S. or Canada
Cons
No wellness plan
- Pumpkin
Compare Pumpkin Plans Pumpkin offers one plan with the option of a Preventative Essentials add-on to cover routine appointments. While the Preventative Essentials isn’t exactly an insurance policy—it’s more like an annual savings account for your pet—it does help with expected costs such as an annual wellness exam and two vaccines of your choice.
They’re moderately priced; a bit more expensive than some, but Pumpkin also covers more expenses than most, so the cost evens out. They even cover dental illness, exam fees, and alternative therapies such as acupuncture, which not every insurance company will consider. You can even choose an unlimited maximum payout option, but it will make your plan more expensive.
Cheap, flexible rates
Coverage of more niche areas such as chiropractic care
Pays for any vet in the U.S. or Canada
- Cheap, flexible rates
- Coverage of more niche areas such as chiropractic care
- Pays for any vet in the U.S. or Canada
No wellness plan
- No wellness plan
Compare Pumpkin Plans
Pumpkin offers one plan with the option of a Preventative Essentials add-on to cover routine appointments. While the Preventative Essentials isn’t exactly an insurance policy—it’s more like an annual savings account for your pet—it does help with expected costs such as an annual wellness exam and two vaccines of your choice.
We like how all pets are eligible to enroll, as long as they’re 8 weeks or older.
Pros
All dogs and cat are eligible after 8 weeks old
Unlimited maximum payout option
Extensive coverage with optional Preventative Essential add-on
Cons
Not the cheapest choice
- Pet’s Best
Compare Pets Best Plans Like most pet insurance companies, Pet’s Best follows a reimbursement model that pays you instead of your vet directly. You can even be reimbursed for expenses that might occur while traveling in Canada or the U.S. Territories.
We like how they have a $5,000 or unlimited annual limit, depending on how much you want to pay each month and on your annual deductible. There are three different tiers to their basic plan, all of which include the same things except Plus also covers accident & illness exam fees, and Elite includes everything the other two options do as well as alternative/holistic care. If you want a preventative add-on, you can choose between EssentialWellness and BestWellness. Both options cover the same expenses, but the annual payout amount is more with BestWellness. Of course, the monthly costs are higher for that plan, too, so it’s up to you to determine if it’s worth the extra money.
All dogs and cat are eligible after 8 weeks old
Unlimited maximum payout option
Extensive coverage with optional Preventative Essential add-on
- All dogs and cat are eligible after 8 weeks old
- Unlimited maximum payout option
- Extensive coverage with optional Preventative Essential add-on
Not the cheapest choice
- Not the cheapest choice
Compare Pets Best Plans
Like most pet insurance companies, Pet’s Best follows a reimbursement model that pays you instead of your vet directly. You can even be reimbursed for expenses that might occur while traveling in Canada or the U.S. Territories.
Pet’s Best is one of the only companies that allows you to pay all of your bills annually instead of every month. There’s a discount if you go with this option, as well as a multi-pet discount if you enroll more than one pet. If you choose the premium coverage options, pay every month, and have a super low deductible, then you’ll find this company may be more expensive than some. However, there are many options of how to keep the prices down, so you can tailor your plan to what your pet needs.
Pros
$5,000 or unlimited annual limit
Several coverage options
Discount if you pay annually instead of monthly
Cons
Some options are expensive
- ASPCA
Compare ASPCA Plans ASPCA offers cost-efficient healthcare options for any dog or cat over 8 weeks old. Their Accident-only plan covers the basics, but the Complete Coverage Plan will pay for injuries and illnesses. If you’re looking for assistance for a routine procedure such as dental cleanings, ASPCA offers two Preventative add-ons, Basic and Prime.
The only thing we really don’t like about this insurance provider is that there’s a maximum payout of $3,000-$10,000 for all expenses. Unlike some providers on this list, they don’t offer an unlimited maximum payout option. However, their prices are pretty low considering all of the conditions that they cover, so they’re still a good choice overall.
$5,000 or unlimited annual limit
Several coverage options
Discount if you pay annually instead of monthly
- $5,000 or unlimited annual limit
- Several coverage options
- Discount if you pay annually instead of monthly
Some options are expensive
- Some options are expensive
Compare ASPCA Plans
ASPCA offers cost-efficient healthcare options for any dog or cat over 8 weeks old. Their Accident-only plan covers the basics, but the Complete Coverage Plan will pay for injuries and illnesses. If you’re looking for assistance for a routine procedure such as dental cleanings, ASPCA offers two Preventative add-ons, Basic and Prime.
Pros
Good coverage for a fair price
No age restrictions past 8 weeks old
Accident-only and Comprehensive options
Two optional wellness add-ons
Cons
No unlimited maximum payout option
- Figo Compare FIGO Plans We like Figo because they let you choose how you want to spend your money. There aren’t any category-specific maximum payouts, unlike most pet insurance companies that will only pay a certain amount for a single procedure. If you want, you can choose the unlimited annual maximum payout option, but of course that will make your rate go up. Even so, it may be worth the investment if your pet develops a chronic illness that will need long-term, expensive care year-after-year.
Figo also offers a wellness plan, but it’s not the best. The payout amounts seem to be very low for certain procedures such as spay/neuter and teeth cleanings. Overall, they seem to be average priced.
Good coverage for a fair price
No age restrictions past 8 weeks old
Accident-only and Comprehensive options
Two optional wellness add-ons
- Good coverage for a fair price
- No age restrictions past 8 weeks old
- Accident-only and Comprehensive options
- Two optional wellness add-ons
No unlimited maximum payout option
- No unlimited maximum payout option
Pros
No maximum payout per category
Unlimited maximum payout option
No age limits after 8 weeks old
Cons
Low payout amounts for the wellness plan
- AKC Pet Insurance Compare AKC Plans Nevada is one of the eligible states for AKC Pet Insurance, but your eligibility for particular plans will depend on your pet’s health. If they’ve ever had symptoms of diabetes, Cushing’s disease, or FELV/FIV then they will only be eligible for an accident-only plan. If they’re a relatively healthy pet who hasn’t experienced any symptoms of those diseases, then you have a bunch of options to choose from. There’s even an option for AKC to cover pre-existing conditions, which is rare in the insurance field, but you must wait 12 months to be eligible for coverage.
In addition to the standard accident-only or accident & illness plans, AKC offers several upgrades for medical conditions not commonly covered by pet insurance. For example, there’s a Breeding Coverage option for an extra $32+ per month, which is an exclusive benefit to the AKC. There’s also an extremely flexible annual maximum payout that goes from $2,500 all the way to unlimited.
No maximum payout per category
Unlimited maximum payout option
No age limits after 8 weeks old
- No maximum payout per category
- Unlimited maximum payout option
- No age limits after 8 weeks old
Low payout amounts for the wellness plan
- Low payout amounts for the wellness plan
While we love the flexibility, our biggest concern with this company is that it’s expensive if you were to try to get complete coverage for your pet. Your monthly bill would be over $100 if you selected all of the upgrades and chose an unlimited maximum payout, which is way more expensive than anyone else on our list.
Pros
You can build a custom coverage plan
Flexible maximum payout
Optional upgrades cover expenses that aren’t included with other insurance companies
Cons
Complete coverage is very expensive
You can build a custom coverage plan
Flexible maximum payout
Optional upgrades cover expenses that aren’t included with other insurance companies
- You can build a custom coverage plan
- Flexible maximum payout
- Optional upgrades cover expenses that aren’t included with other insurance companies
Complete coverage is very expensive
- Complete coverage is very expensive
Buyer’s Guide: Choosing the Right Pet Insurance Provider in Nevada
What to Look for in Pet Insurance
While some companies boast of their widespread coverage and low prices, it’s important to realize that these benefits aren’t available in every state. When shopping for an insurance provider, go online and get an individualized quote to make the best decision for you and your pets.
Policy Coverage
Ideally, you want an insurance policy that balances coverage with expense. It’s also worth considering if you’d like to pay a smaller amount each month with a larger deductible at the end of the year, or if you’d rather keep your annual deductible low but pay more monthly. Pet’s Best lets you pay for the entire year at once with a discount, so that might be a good option if you can afford a bigger chunk at once.
Customer Service & Reputation
No pet insurance company is perfect. Most often, negative reviews arise from a company refusing to pay for a claim or taking longer than expected. The worst-case scenario is when you pay for a service and realize the coverage is extremely limited only after you’ve filed a claim. Research before you commit and look into some of the more nuanced restrictions to avoid regret down the road. While it’s a great idea to get a quote, that should be only the beginning of your research. You might need to call a company representative if you’re wondering what specific conditions are covered or ask for more clarification on the fine print.
Claim Repayment
Look at the company policy and the customer reviews to see the average amount of time it takes for claim repayment. Unlike human healthcare, pet insurance typically requires you to pay veterinary expenses out of pocket and then reimburses you after you submit the claim. While this may be a problem if you don’t have a credit card, the plus side is that you’re able to pick whoever you want as your pet’s medical provider as long as they’re a licensed veterinarian. There are a few companies such as Trupanion that pay the vet directly if you’d rather skip the paperwork.
Price Of Policy
Insurance costs are dependent on the extent of the coverage, your annual deductible, maximum payout, monthly payment, and where you live. In general, pet insurance is more expensive near big cities than in the country. Ideally, you want your monthly premium to be as low as possible while not sending your annual deductible sky-high. Some insurance companies even offer a significant discount if you pay an annual fee instead of dividing your payments into monthly allotments. This is definitely the wisest choice financially, unless you’re planning on canceling your policy within the next year.
Plan Customization
Does your pet have special needs that might not be covered by a basic policy? Or is your pet prone to accidents but doesn’t have any underlying health conditions? You want to find an insurance company that lets you customize your pet’s policy so you’re not paying for services you don’t need. Of course, this can be a little hard to determine since pet insurance companies usually don’t cover pre-existing conditions.
Additionally, it’s a great idea to find a plan that lets you choose your maximum annual payout, monthly premium, and annual deductible so you can create a payment plan that’s affordable and realistic for your budget.
Does every pet insurance company in America provide coverage to Nevada?
No. Some pet insurance companies completely deny coverage to certain states. Others offer limited plans in certain areas. All of the companies we chose to review offer full coverage in Nevada.
Can I Get Pet Insurance Outside the U.S.?
Yes, but you may have to switch your provider. You must permanently reside in the state and/or country listed on your insurance policy. Embrace is one of the only companies that will pay for medical expenses during international travel, but only if your visit takes six months or less. Other countries such as the United Kingdom are also home to pet insurance companies, and you’ll have to buy insurance over there if you move.
What If My Insurance Company Is Not Listed in Your Reviews?
There are many great pet insurance providers that we didn’t have space for on our list. If you’re happy with their coverage, that’s good enough for us!
Which Pet Insurance Provider Has the Best Consumer Reviews?
Although every pet insurance company has its flaws, customers seem the most satisfied with Embrace. The few negative reviews were mostly from new customers who stated their claims weren’t processed yet. Embrace responded by saying their medical files were incomplete, meaning they needed more documentation before they could proceed with processing the claims. Very few people complained about their claims being denied altogether.
What Is the Best and Most Affordable Pet Insurance?
The best choice for you depends on your pet’s anticipated needs and whether you’d like a lower deductible or lower monthly rate. Just remember pet insurance companies don’t pay for pre-existing conditions, except for AKC Pet Insurance (and that’s after a 12-month hold), so don’t wait until your pet develops a disease to enroll them with insurance.
What the Users Say
Embrace, our overall best choice, garnered mostly positive customer reviews. People say claims are easy to submit and are usually processed within two weeks. A handful of negative reviews say that their claims are taking too long to process but Embrace typically responds to those individually saying that the customer’s medical file is incomplete. It seems like the process tends to be quick and easy as long as you provide them with sufficient information when you first enroll.
Which Pet Insurance Provider Is Best for You?
The best and most affordable pet insurance will be different for every pet according to their needs. For example, you might anticipate more illness-related expenses for an elderly dog than a puppy, who will likely need more accident and wellness coverage. The right pet insurance provider also depends on where you live and whether you want to pay more monthly or annual fees. It’s up to you to decide what’s the best combination of factors for you and your pet.
Conclusion
Not every pet insurance company offers all of their plans in Nevada, but we reviewed some stellar businesses with excellent coverage options for pet owners who reside in the Silver State. Embrace with Wellness is our overall best choice because they offer extensive coverage for a fair price. We also like how they’re one of the only companies to cover any medical expenses that may arise while you travel abroad, as long as your trip’s duration is six months or less.
Fetch by the Dodo is our best value choice because they have a flexible accident & illness plan that covers some fairly obscure medical procedures such as chiropractic care and even pays up to $1,000 of the reward money if your pet has been lost. However, they don’t offer a wellness plan, so you’d have to pay for routine check-ups out of pocket.
We like Pumpkin because they do offer a wellness plan, but they’re not the cheapest choice. Pet’s Best offers a significant discount if you pay all of your costs once a year instead of the traditional annual deductible and monthly payments, which is a great option if that fits with your budget. Finally on the top five list, ASPCA doesn’t discriminate according to your pet’s age, which makes them an especially attractive option for an older rescue pet.
All of the other companies we reviewed also provide excellent coverage in Nevada, and we hope you’ll give them a look as you seek out the best choice for your pet.
Featured Image Credit: Tatyana Vyc, Shutterstock
