7 Best Nevada (NV) Dog Insurance Plans Compared in 2021

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

Through my career as an insurance agent, I have seen firsthand how puzzling the language in policies can be, and I recognize the struggle in finding the right dog insurance company. As a licensed Nevada insurance agent and a dog owner, I understand the confusion surrounding the right policy. I have made it easy to find the perfect policy, particularly for Silver State dogs. If you live in Las Vegas, Reno, Henderson, Boulder City, Elko, Pahrump, or any place in between, this article will break down the essentials so you can choose the right insurance. Read more about our unbiased ranking methodology and advertiser disclosure.

Top NV Dog Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best dog insurance providers in Nevada. The average monthly Nevada-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 Nevada with an 89117 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.

lemonade
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Nevada pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN NEVADA

$26.42/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all around Nevada dog insurance policy at the most affordable rates
  • Their user experience is world class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Nevada pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN NEVADA

$35.97/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Nevada 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
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Nevada pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN NEVADA

$43.25/mo

REIMBURSEMENT AMOUNT

80%

ANNUAL
 BENEFIT

$8,500

  • Eusoh is not your typical pet insurance company but instead is a vet expense sharing community
  • Ideal for young, healthy pets and premiums vary depending on the amount of claims submitted in any given month
  • Founded in 2017, Eusoh is a mutual insurance company supported by its members
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Nevada pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN NEVADA

$44.72/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
4.3
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Nevada pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN NEVADA

$89.91/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
4.2
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Nevada pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN NEVADA

$72.66/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
spot pet insurance
4.2
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Nevada pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN NEVADA

$49.95/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Spot offers pet microchip implantation as part of standard coverage
  • They have an easy-to-use website and provide a 30-day money-back guarantee
  • Founded in 2017 and underwritten by Crum & Foster

lemonade
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Nevada pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN NEVADA

$26.42/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all around Nevada dog insurance policy at the most affordable rates
  • Their user experience is world class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders

How much does dog insurance cost in Nevada for the 15 most popular breeds?

The price for Nevada dog insurance is almost always the same throughout the state including in Las Vegas, Reno, Henderson, Paradise, or Spring Valley, etc. However, the prices will 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 dog insurance in Nevada we suggest getting a quote directly with Figo or Lemonade.

  1. Mixed Breed – $26.41/ mo
  2. Labrador Retriever – $35.97/ mo
  3. Golden Retriever – $35.89/ mo
  4. German Shepherd – $38.80/ mo
  5. Goldendoodle – $31.23/ mo
  6. Chihuahua – $16.42/ mo
  7. Siberian Husky – $36.07/ mo
  8. Yorkshire Terrier – $22.67/ mo
  9. American Pit Bull Terrier – $39.92/ mo
  10. Australian Shepherd – $24.83/ mo
  11. Dachshund – $23.43/ mo
  12. Shih Tzu – $20.86/ mo
  13. French Bulldog – $49.39/ mo
  14. Boxer – $49.58/ mo
  15. Labradoodle – $31.23/ mo

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

Nevada Dog Insurance FAQs

What exactly is dog insurance and why is it valuable in Nevada?

If you want to sufficiently protect your dog with an insurance policy, the first step is to sign up with an insurance company and begin paying a monthly premium to keep the policy active. Should your dog ever fall ill or have an accident that needs medical attention, ordinarily you will be expected to pay the full veterinary bill out of pocket and submit a claim, later on, to obtain reimbursement from your insurer. An important detail to keep in mind is that when granting coverage, insurance companies generally like to exclude certain pre-existing conditions. For this reason, we advise signing up for dog insurance once your pet has reached 8 weeks of age and is still in the puppy phase.

Insuring your dog is incredibly important in Nevada. Costs for veterinary care have the potential to become exceedingly high for the treatment of diseases like cancer, which can reach amounts of well over $10,000. In the case of many dog owners who lack insurance, the notion of putting their animal down solely because they are unable to pay for the treatment their pet needs can become a reality. Insurance safeguards you from ever having to make that decision.

How old does my puppy have to be to get insured?

Many dog insurance companies require that your puppy be at least 8 weeks of age before they are eligible for an insurance policy. On the other hand, a large number of providers do not have an age limit associated with dog insurance policies. Considering that younger animals are generally much cheaper to insure, it is best to insure your dog before their first birthday.

How necessary is dog insurance in Nevada?

The occurrence of an accident or illness in your dog’s lifetime is very possible, and the vet bills associated with treatments can quickly accumulate. At some point in their pet’s life, many dog owners have found themselves spending $3,000 or more for an emergency vet visit. You will have to decide whether the cost of a monthly insurance premium is worth avoiding paying out of pocket for expensive vet bills.

What can I expect to be included in dog insurance and what is excluded?

The coverage options offered by dog insurance providers vary, but unless specifically excluded, typically any illnesses or accidents will be covered. “Sudden and catastrophic” incidents are generally covered by dog insurance. Things like broken bones, eye infections, swallowing a tennis ball, or allergies would be some of the ailments included. A pre-existing condition like cancer is not covered and will not be eligible for claims. Pet insurance providers have also begun to offer wellness packages, a specific add-on for coverage on routine pet visits for vaccinations, check-ups, and heartworm prevention.

How does reimbursement work?

Let’s say you have a dog insurance policy with an 80% reimbursement amount, a $300 deductible with a $20,000 annual max benefit, and your pet sustains an injury that requires a $10,000 emergency vet surgery. In this situation, your insurance company would reimburse you $8,000 minus your $300 deductible. This means that you would be paying $2,300 out of pocket instead of the full $10,000. Trupanion is one pet insurance company that is excluded from this example. They will make payments directly to vets who are in their network, so you’ll never have to pay the full amount for a visit out of pocket.

Is it better to have a lower deductible and is there a sweet spot?

Lower insurance deductibles usually mean larger monthly payments. However, by making these higher payments each month, you avoid paying more out of pocket when trouble arises. You will need to figure out which deductible makes the most sense for you based on your own budget. Plenty of providers offer a simple-to-use calculator when receiving a quote. According to our findings, most people choose a $250 or $500 deductible.

5 Useful Strategies for Keeping Your Dog Safe & Healthy in Nevada

1. Keep your dog cool

Living in a desert-like climate such as Nevada, dogs are exposed to very high temperatures and can become dehydrated very easily. Be sure to give your dog access to plenty of freshwater, shade, and never leave them in a car during the warmer months. Temperatures inside a vehicle on a hot day can rise 20 degrees in just 10 minutes.

2. Socialize and exercise

Many ailments such as bone and joint disease or different types of cancer are common in overweight animals, but this is easy to prevent if you provide your dog with opportunities to exercise. Taking them on daily walks or giving them interactive toys can keep them fit and healthy. Giving your pet the chance to meet and play with other dogs is also very beneficial for their emotional health. They can begin to develop better-coping skills, and they are also less likely to become out of control around other animals when they are properly socialized.

3. Protect with vaccines

Dogs in Nevada are not immune to highly contagious diseases such as distemper, parvo, and rabies. Vaccinations offer your dog protection from these potentially fatal illnesses. Typically, puppies should receive their first round of shots at around 6 weeks of age, followed by boosters every 3 weeks until they reach 16 weeks. You should revaccinate your adult dog every 1 – 3 years.

4. Spay or neuter your dog

There are thousands of dogs in shelters around Nevada. Many are unable to find homes and are euthanized as a result. It is important that you prevent your dog from contributing to this overpopulation by spaying or neutering them. This can also protect them from certain health conditions, like testicular cancer or prostate disease in male dogs and breast cancer and uterine infections in females.

5. Wildlife dangers

Nevada is home to many unique forms of wildlife, but some are potentially dangerous to your pets. Mountain lions can be drawn to things of smaller stature that are seen running like dogs do. Nevada also has a very healthy population of coyotes, and they have been known to attack dogs and other small animals. You should always keep your dog on a leash while exploring Nevada’s natural wonders.

5 Unique Dog Rescue Shelters in Nevada

Rescuing a dog can be one of the most rewarding experiences. Check out these five impressive and unique animal shelters in Nevada and begin your search for a new cuddly companion.

1. Nevada Humane Society in Carson City, NV

This shelter prides itself on providing quality care for stray or abandoned pets and finding them forever homes. They have a 95% lifesaving rate and were named one of the country’s safest communities for homeless pets. More than 100,000 animals have found loving homes since 2007.


2. Churchill Animal Protection Society in Fallon, NV

Located in the rural community of Fallon, this non-profit no-kill shelter has been rescuing and sheltering animals since 1986. They offer low-cost spay and neuter programs to qualifying residents. They also give the dogs an opportunity to spend time away from the shelter at their local doggie daycare twice a week.


3. Nevada SPCA in Las Vegas, NV

Founded in 1982, Nevada SPCA is Las Vegas’ original no-kill shelter. They are a non-profit organization that rescues over 2,000 animals annually. In 2019 alone, they rescued and sheltered over 1,000 dogs.


4. Pet Network Humane Society in Incline Village, NV

Pet Network Humane Society was founded in 1991 by a group of volunteers. Their mission is to rescue animals from euthanasia and connect them with loving families. This shelter has rescued and rehomed more than 10,000 animals.


5. The Animal Foundation in Las Vegas, NV

Originally functioning as a low-cost spay and neuter clinic, The Animal Foundation of Las Vegas is now the highest-volume animal shelter in the country. They accept animals in any condition, despite illness or injury.


Conclusion

Finding insurance for your dog or puppy doesn’t have to be complicated. If you sign up for insurance as soon as your puppy reaches 8 weeks of age, you will find the best prices without the hassle of coverage restrictions such as a pre-existing condition. No matter your furry friend’s age, purchasing dog insurance is incredibly beneficial when it comes to covering the cost of an unfortunate event or maintaining general wellness. Our comprehensive research has found that Lemonade pet insurance has the highest rated performance while offering the lowest monthly premiums.

SwiftScore Ranking Methodology for Nevada

We ranked the best pet insurance policies in Nevada 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 Nevada with a 89117 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

Other state dog insurance resources

AL | AK | AZ | AR | CA | CO | CT | DE | FL | GA | HI | ID | IL | IN | IA | KS | KY | LA | ME | MD | MA | MI | MN | MS | MO | MT | NE | NV | NH | NJ | NM | NY | NC | ND | OH | OK | OR | PA | RI | SC | SD | TN | TX | UT | VT | VA | WA | WV | WI | WY