6 Best Louisiana (LA) Pet Insurance Plans Compared in 2021

Updated on September 22, 2021, by Matthew H. Nash – Licensed Insurance Agent

Navigating the pet insurance world can seem overwhelming. There are numerous plans and insurance providers to choose from, but insurance language can be confusing to the average pet owner. As a licensed Louisiana Insurance Agent and fellow pet owner, I find it important to support other pet owners as much as I can to understand the ins and outs of pet insurance. So, if you are a pet owner in Louisiana, this article may be for you whether you live in New Orleans, Baton Rouge, Shreveport, Laplace or anywhere in between. Read more about our unbiased ranking methodology and advertiser disclosure.

Top LA Pet Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best pet insurance providers in Louisiana. The average monthly Louisiana-specific prices shown are based on a healthy 2-year-old Labrador Retriever with a $500 deductible and 90% reimbursement amount who is located in Louisiana with a 70112 zip code. Costs may vary based on age, location, coverage amount, and depending on the breed of your puppy. Prices are accurate as of September 2021 and are subject to change. For the most up-to-date information, please visit the provider website.

4.7
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Louisiana pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN LOUISIANA

$28.94/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Louisiana vets via video chat 24/7
  • They also have an easy-to-use pet records app and real time claims tracker
  • Founded in 2013 and underwritten by Independence American Insurance Company
4.7
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Louisiana pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN LOUISIANA

$32.50/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • They offer up to 100% reimbursement with a $20,000 annual maximum benefit for a reasonable fee and have fast reimbursement options
  • Wagmo Wellness plans reimburse you for the routine and preventative care you do for your pets annually
  • Founded in 2017 and underwritten by National Specialty Insurance Company
4.6
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN LOUISIANA

$34.81/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • ASPCA is one of the most trusted names in the pet insurance industry. They have paid out almost $350 million dollars in claims since 2006
  • ASPCA is unique in that they offer affordable “accident-only” plans in addition to their preventative care coverage. Also, you can save 10% for multiple eligible pets
  • Founded in 1997 and underwritten by Crum & Forster
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN LOUISIANA

$49.34/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
BENEFIT

$10,000

  • Pumpkin Pet Insurance plans have extensive coverage and they always have a 90% reimbursement rate
  • They have no breed or upper age restrictions, and dental illness and hereditary conditions are covered at no extra cost
  • Founded in 2020 and underwritten by United States Fire Insurance Company
4.3
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Louisiana pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN LOUISIANA

$56.00/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

Unlimited

  • Trupanion is the only provider on our list that has an unlimited annual benefit with no payout limits
  • They are unique in that they offer “Vet Direct Pay” instead of reimbursements
  • Founded in 1999 and underwritten by American Pet Insurance Company
3.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Louisiana pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN LOUISIANA

$33.50/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Their “Healthy Pet Deductible” allows your annual deductible to go down by $50 each year that you don’t receive an insurance claim reimbursement
  • Embrace paid 93% of claims in 2019 and their member portal is user-friendly
  • Founded in 2003 and underwritten by American Modern Insurance

figo
4.7
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Louisiana pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN LOUISIANA

$28.94/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Louisiana vets via video chat 24/7
  • They also have an easy-to-use pet records app and real time claims tracker
  • Founded in 2013 and underwritten by Independence American Insurance Company

How much does dog & cat insurance cost in Louisiana for the 15 most popular breeds?

The price for Louisiana pet insurance varies depending on where you live. To give you an idea we’ve collected costs for three cities shown below. The prices will also vary based on the age, health, and breed of your puppy.

All prices shown below are based on a 90% reimbursement rate with a $500 deductible and a $5,000 annual benefit from Figo pet insurance. Please note: these prices should only be treated as a rough guide as of September 2021 and are subject to change. If you’re looking for the most up-to-date cost of pet insurance in Louisiana we suggest getting a quote directly with Figo or Wagmo.

Dog Insurance Prices in Louisiana:

  1. Mixed Breed
    • New Orleans – $21.27/ mo
    • Baton Rouge – $25.72/ mo
    • Shreveport – $23.21/ mo
  2. Labrador Retriever
    • New Orleans – $28.94/ mo
    • Baton Rouge – $35.03/ mo
    • Shreveport – $31.60/ mo
  3. Golden Retriever
    • New Orleans – $28.88/ mo
    • Baton Rouge – $34.97/ mo
    • Shreveport – $31.54/ mo
  4. German Shepherd
    • New Orleans – $31.23/ mo
    • Baton Rouge – $37.79/ mo
    • Shreveport – $34.10/ mo
  5. Goldendoodle
    • New Orleans – $25.13/ mo
    • Baton Rouge – $30.43/ mo
    • Shreveport – $27.44/ mo
  6. Chihuahua
    • New Orleans – $13.22/ mo
    • Baton Rouge – $16.00/ mo
    • Shreveport – $14.44/ mo
  7. Siberian Husky
    • New Orleans – $29.02/ mo
    • Baton Rouge – $35.14/ mo
    • Shreveport – $31.69/ mo
  8. Yorkshire Terrier
    • New Orleans – $18.25/ mo
    • Baton Rouge – $22.09/ mo
    • Shreveport – $19.93/ mo
  9. American Pit Bull Terrier
    • New Orleans – $32.14/ mo
    • Baton Rouge – $38.91/ mo
    • Shreveport – $35.07/ mo
  10. Australian Shepherd
    • New Orleans – $19.99/ mo
    • Baton Rouge – $24.20/ mo
    • Shreveport – $21.82/ mo
  11. Dachshund
    • New Orleans – $18.86/ mo
    • Baton Rouge – $22.82/ mo
    • Shreveport – $20.58/ mo
  12. Shih Tzu
    • New Orleans – $16.79/ mo
    • Baton Rouge – $20.32/ mo
    • Shreveport – $18.34/ mo
  13. French Bulldog
    • New Orleans – $39.75/ mo
    • Baton Rouge – $48.12/ mo
    • Shreveport – $43.39/ mo
  14. Boxer
    • New Orleans – $38.50/ mo
    • Baton Rouge – $48.31/ mo
    • Shreveport – $43.57/ mo
  15. Labradoodle
    • New Orleans – $25.13/ mo
    • Baton Rouge – $30.43/ mo
    • Shreveport – $27.44/ mo

Cat Insurance Prices in Louisiana:

  1. Mixed Breed
    • Baton Rouge – $14.96/ mo
    • New Orleans – $12.36/ mo
    • Shreveport – $13.49/ mo
  2. American Shorthair
    • Baton Rouge – $17.69/ mo
    • New Orleans – $14.61/ mo
    • Shreveport – $15.94/ mo
  3. Bengal
    • Baton Rouge – $17.69/ mo
    • New Orleans – $14.61/ mo
    • Shreveport – $15.94/ mo
  4. Bombay
    • Baton Rouge – $17.69/ mo
    • New Orleans – $14.61/ mo
    • Shreveport – $15.94/ mo
  5. British Shorthair
    • Baton Rouge – $17.69/ mo
    • New Orleans – $14.61/ mo
    • Shreveport – $15.94/ mo
  6. Exotic
    • Baton Rouge – $17.69/ mo
    • New Orleans – $14.61/ mo
    • Shreveport – $15.94/ mo
  7. Himalayan
    • Baton Rouge – $17.69/ mo
    • New Orleans – $14.61/ mo
    • Shreveport – $15.94/ mo
  8. Maine Coon
    • Baton Rouge – $14.65/ mo
    • New Orleans – $15.41/ mo
    • Shreveport – $16.81/ mo
  9. Persian
    • Baton Rouge – $18.65/ mo
    • New Orleans – $15.41/ mo
    • Shreveport – $16.81/ mo
  10. Ragdoll
    • Baton Rouge – $18.65/ mo
    • New Orleans – $15.41/ mo
    • Shreveport – $16.81/ mo
  11. Russian Blue
    • Baton Rouge – $17.69/ mo
    • New Orleans – $14.61/ mo
    • Shreveport – $15.94/ mo
  12. Scottish Fold
    • Baton Rouge – $18.65/ mo
    • New Orleans – $15.41/ mo
    • Shreveport – $16.81/ mo
  13. Siamese
    • Baton Rouge – $18.65/ mo
    • New Orleans – $15.41/ mo
    • Shreveport – $16.81/ mo
  14. Sphynx
    • Baton Rouge – $17.69/ mo
    • New Orleans – $14.61/ mo
    • Shreveport – $15.94/ mo
  15. Abyssinian
    • Baton Rouge – $17.69/ mo
    • New Orleans – $14.61/ mo
    • Shreveport – $15.94/ mo

Not finding your specific pet breed? Figo pet insurance is our #1 recommendation for Louisiana and they’ll be able to give you a quick quote for your exact needs.

Louisiana Pet Insurance Frequently Asked Questions

What is pet insurance? Why do I need pet insurance in Louisiana?

Pet insurance assists pet owners with paying for veterinary care. To begin receiving coverage for your pet, all you need to do is find a plan that is right for your pet and submit a payment monthly to remain enrolled in the policy. Then, when your pet needs veterinary care, you can submit a reimbursement claim to be reimbursed for a portion of the vet bill.

Pet insurance is helpful to have wherever you live due to the high cost of veterinary care. Additionally, since all animals are likely to become sick at some point in their lives, you as a pet owner are bound to experience hefty vet bills.

How old does my pet need to be to be eligible for pet insurance?

Most pet insurance plans have a minimum age requirement in order for pets to be eligible for coverage. However, this requirement may vary by animal. For example, many cat insurance plans will not provide coverage for kittens younger than 6 weeks, but for many dog insurance plans, the minimum age is 8 weeks. When searching for a plan for your pet, it is important to clarify any age restrictions associated with your specific kind of pet.

The good news is that even though there may be minimum age requirements, pet insurance plans typically do not enforce age limits, meaning that you can enroll your pet in insurance at any age after they have met the minimum age requirement. While coverage may vary based on the age of an animal, they most likely will not be denied coverage.

What is covered by pet insurance?

Coverage varies by plan, kind of animal, and insurance provider. However, the basic services that pet insurance plans cover are sudden illness care and accident care. These categories include any falls, bites, sores, and infections. For some plans, this also includes cancer care.

Some insurance plans may also offer additional coverage that can be added on to the basic plan. Services that could be available for add-on coverage include flea and tick prevention, prescription/medication coverage, and routine medical visits.

In addition to what is covered by pet insurance, it is also important to know what is not covered by pet insurance. In most cases, it is unlikely for pet insurance to cover any treatment for pre-existing conditions. If your pet has a pre-existing condition (any condition that was present/diagnosed prior to coverage), it is important to be aware that your insurance plan may not cover treatment that may be needed for this condition.

How will I be reimbursed?

For most pet insurance plans, after your pet is treated by a vet, you will need to initially pay the vet bill. However, you can then submit a reimbursement claim, requesting that your insurance provider reimburse you for a certain percentage of the bill. This percentage is called the reimbursement rate. When you submit a request for reimbursement, your insurance provider will reimburse you for the certain percentage of the vet bill, which also takes your deductible into account. For example, if you have a vet bill for $8,000, a reimbursement rate of 90%, and a $250 deductible, you would be reimbursed $6,950 and only be responsible for paying $1,050 out-of-pocket.

Do all pet insurance plans have deductibles? Is it better to have a lower or a higher deductible?

Most pet insurance plans do have deductibles. There are both high and low-deductible plans available. If you have a low deductible, you will most likely need to pay a higher monthly payment. While there is no right or wrong in terms of deductible amounts, the deductible that is best for you will depend on your financial situation.

Are there any pets that are restricted for homeowners insurance in Louisiana?

The pets that are most commonly restricted for homeowners insurance are certain dog breeds, such as Pitbulls and Rottweilers. These breeds are restricted by most homeowners insurance providers due to aggression. Other commonly excluded dog breeds include:

  • Akitas
  • Chow Chows
  • Doberman Pinschers
  • German Shepherds
  • Bull Mastiffs
  • Pit Bull Terriers
  • Rottweilers
  • Wolfhounds

It is unusual for other pets to be restricted from homeowners insurance. However, we recommend contacting your homeowners insurance provider for more information about the policies surrounding your pet.

5 Useful Strategies for Keeping Your Pet Safe & Healthy in Louisiana

In addition to pet insurance coverage, there are many other components to a pet’s health that need to be monitored in order to ensure a long and healthy life. Five strategies that you can implement each day include:

1. Make Safety Plans for Weather Emergencies

Unfortunately, Louisiana has been hit by multiple hurricanes over the last several decades. One important safety tip when preparing for a major storm is to create an evacuation plan that includes all family members, including your pets. In case you need to evacuate, make sure you know who is going to assist your pet(s) in evacuating with you.

2. Be Cautious During Extreme Heat

As a southern state, Louisiana also experiences significant heat, especially during the summer. To help protect your pet(s), make sure they have access to a cool place, limit outside time, and provide plenty of water.

3. Encourage Proper Nutrition

Providing nutritious meals is a key way to make sure that your pet stays healthy. It can be helpful to consult with your pet’s vet regarding the best food brands and appropriate quantities of food that your pet should have per day.

4. Ensure Proper Hydration

Pets need to stay hydrated, even on cooler days. Proper hydration helps flush out toxins and prevents urinary tract infections. A helpful tool is to leave water in multiple locations throughout your home. If you have a pet that lives in a cage, such as a hamster or bird, make sure you change the water regularly.

5. Play and Exercise

Play and exercise are important for pets to enhance stimulation and prevent boredom. While some pets are more independent in terms of play than others, providing toys and other forms of exercise on a regular basis helps to keep your pet entertained and healthy.

5 Unique Pet Rescue Shelters in Louisiana

1. Louisiana SPCA in New Orleans, LA

The Louisiana SPCA is the most comprehensive animal protection organization in the state of Louisiana. This shelter offers an array of services such as adoption and pet surrendering, a full medical clinic, and disaster preparedness.


2. Humane Society of Northwest Louisiana in Shreveport, LA

The Humane Society of Northwest Louisiana services primarily dogs in the Shreveport area of Louisiana. This shelter is a no-kill volunteer-run shelter that seeks to rescue as many dogs as possible while also improving the lives of dogs in the local community. Dogs that are available for adoption can be found on the website.


3. Metairie Humane Shelter in Metairie, LA

All dogs at this shelter are spayed/neutered, vaccinated, and receive heartworm prevention treatments prior to adoption. Not only does this shelter display all dogs available for adoption on the website, but dogs that require special care or exhibit challenging behaviors are specified.


4. Northshore Humane Society in Covington, LA

This shelter seeks to advocate for no-kill shelters to be normalized across the country. Primarily dogs and cats are available for adoption, and those who are interested in adoption can complete a free application on the shelter’s website. Other services available include discounted dental care and pet surrendering.


5. St. Charles Parish Animal Shelter in Luling, LA

The Office of Animal Control in Luling LA also functions as the community animal shelter for lost or abandoned pets. This shelter strives to find permanent homes for all animals that arrive at the shelter. Rabies vaccinations and microchipping services are also available.


Conclusion

Pet insurance helps to protect not only your beloved pet but also your bank account. Veterinary care can be expensive, and many pet owners end up making the difficult decision to euthanize their sick animals due to the high cost of care. However, pet insurance can prevent this outcome and ensure that your pet lives a long and happy life. Through our extensive research, Figo pet insurance consistently performed the best with the lowest monthly premiums.

SwiftScore Ranking Methodology for Louisiana

We ranked the best pet insurance policies in Louisiana based on a variety of important factors including the following:

  • Average monthly price for a 2-year-old Labrador Retriever with a $500 deductible located in Louisiana with a 70112 zip code
  • Coverage and benefits
  • Key policy details including accidents and illnesses, surgeries, annual check-ups, cancer treatment, lab tests, and more
  • AM Best rating of the underwriter
  • Reimbursement percentage
  • Annual benefit amount
  • Technology and user experience
  • Ease of sign up
  • Policy language clarity
  • User reviews