7 Best Wisconsin (WI) Pet Insurance Plans Compared in 2022

Updated on by Matthew H. Nash – Licensed Insurance Agent

Buying pet insurance in Wisconsin can be daunting. As a licensed Wisconsin insurance agent, I understand the challenges of deciphering policy language and determining the best pet insurance company in The Badger State. I have done comprehensive research on Wisconsin pets and pet insurance. Whether you live in Milwaukee, Green Bay, Madison, Lacrosse, or points further north, this article has everything you need to know to make the wise choice regarding your fur family. Read more about our unbiased ranking methodology and advertiser disclosure.

Top WI Pet Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best pet insurance providers in Wisconsin. The average monthly Wisconsin-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 Wisconsin with a 53225 zip code. Costs may vary based on age, location, coverage amount, and depending on the breed of your puppy. Prices are accurate as of June 2022 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 Wisconsin pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN WISCONSIN

$24.83/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all around Wisconsin pet 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
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Wisconsin pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN WISCONSIN

$42.53/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
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Wisconsin pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN WISCONSIN

$39.25/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Wisconsin 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 Wisconsin pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN WISCONSIN

$73.96/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
4.3
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Wisconsin pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN WISCONSIN

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

STANDARD PLAN
COST IN WISCONSIN

$48.34/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
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 Wisconsin pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN WISCONSIN

$44.84/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 Wisconsin pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN WISCONSIN

$24.83/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all around Wisconsin pet 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 & cat insurance cost in Wisconsin for the 15 most popular breeds?

The price for Wisconsin 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 June 2022 and are subject to change. If you’re looking for the most up-to-date cost of pet insurance in Wisconsin we suggest getting a quote directly with Figo or Lemonade.

Dog Insurance Prices in Wisconsin:

  1. Mixed Breed
    • Milwaukee – $28.82/ mo
    • Madison – $31.43/ mo
    • Oshkosh – $22.26/ mo
  2. Labrador Retriever
    • Milwaukee – $39.25/ mo
    • Madison – $42.81/ mo
    • Oshkosh – $30.34/ mo
  3. Golden Retriever
    • Milwaukee – $39.17/ mo
    • Madison – $42.73/ mo
    • Oshkosh – $30.25/ mo
  4. German Shepherd
    • Milwaukee – $42.34/ mo
    • Madison – $46.19/ mo
    • Oshkosh – $32.71/ mo
  5. Goldendoodle
    • Milwaukee – $34.08/ mo
    • Madison – $37.17/ mo
    • Oshkosh – $37.17/ mo
  6. Chihuahua
    • Milwaukee – $17.92/ mo
    • Madison – $19.56/ mo
    • Oshkosh – $13.86/ mo
  7. Siberian Husky
    • Milwaukee – $39.36/ mo
    • Madison – $42.93/ mo
    • Oshkosh – $30.42/ mo
  8. Yorkshire Terrier
    • Milwaukee – $24.74/ mo
    • Madison – $26.99/ mo
    • Oshkosh – $19.12/ mo
  9. American Pit Bull Terrier
    • Milwaukee – $43.57/ mo
    • Madison – $47.54/ mo
    • Oshkosh – $33.67/ mo
  10. Australian Shepherd
    • Milwaukee – $27.09/ mo
    • Madison – $29.56/ mo
    • Oshkosh – $20.93/ mo
  11. Dachshund
    • Milwaukee – $25.57/ mo
    • Madison – $27.88/ mo
    • Oshkosh – $19.76/ mo
  12. Shih Tzu
    • Milwaukee – $22.77/ mo
    • Madison – $24.84/ mo
    • Oshkosh – $17.60/ mo
  13. French Bulldog
    • Milwaukee – $53.90/ mo
    • Madison – $58.78/ mo
    • Oshkosh – $41.64/ mo
  14. Boxer
    • Milwaukee – $54.12/ mo
    • Madison – $59.02/ mo
    • Oshkosh – $41.82/ mo
  15. Labradoodle
    • Milwaukee – $34.08/ mo
    • Madison – $37.17/ mo
    • Oshkosh – $26.33/ mo

Cat Insurance Prices in Wisconsin:

  1. Mixed Breed
    • Madison – $18.28/ mo
    • Milwaukee – $16.76/ mo
    • OshKosh – $12.95/ mo
  2. American Shorthair
    • Madison – $21.61/ mo
    • Milwaukee – $19.80/ mo
    • OshKosh – $15.31/ mo
  3. Bengal
    • Madison – $21.61/ mo
    • Milwaukee – $19.80/ mo
    • OshKosh – $15.31/ mo
  4. Bombay
    • Madison – $21.61/ mo
    • Milwaukee – $19.80/ mo
    • OshKosh – $15.31/ mo
  5. British Shorthair
    • Madison – $21.61/ mo
    • Milwaukee – $19.80/ mo
    • OshKosh – $15.31/ mo
  6. Exotic
    • Madison – $21.61/ mo
    • Milwaukee – $19.80/ mo
    • OshKosh – $15.31/ mo
  7. Himalayan
    • Madison – $21.61/ mo
    • Milwaukee – $19.80/ mo
    • OshKosh – $15.31/ mo
  8. Maine Coon
    • Madison – $22.80/ mo
    • Milwaukee – $20.89/ mo
    • OshKosh – $16.15/ mo
  9. Persian
    • Madison – $22.80/ mo
    • Milwaukee – $20.89/ mo
    • OshKosh – $16.15/ mo
  10. Ragdoll
    • Madison – $22.80/ mo
    • Milwaukee – $20.89/ mo
    • OshKosh – $16.15/ mo
  11. Russian Blue
    • Madison – $21.61/ mo
    • Milwaukee – $19.80/ mo
    • OshKosh – $15.31/ mo
  12. Scottish Fold
    • Madison – $22.80/ mo
    • Milwaukee – $20.89/ mo
    • OshKosh – $16.15/ mo
  13. Siamese
    • Madison – $22.80/ mo
    • Milwaukee – $20.89/ mo
    • OshKosh – $16.15/ mo
  14. Sphynx
    • Madison – $21.75/ mo
    • Milwaukee – $19.93/ mo
    • OshKosh – $15.39/ mo
  15. Abyssinian
    • Madison – $21.75/ mo
    • Milwaukee – $19.93/ mo
    • OshKosh – $15.39/ mo

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

Wisconsin Pet Insurance FAQs

What is pet insurance? Why is it useful in Wisconsin?

To best protect your pet with insurance, you will need to register with an insurance company and pay the monthly premiums to keep your policy active. Should your little companion get sick or be involved in an accident, you must cover the expenses upfront. Then, you can submit a claim to your insurance provider for reimbursement. It is good to note that most companies exclude pre-existing conditions, which is the primary reason we suggest getting your pet covered while it is still a kitten or a puppy.

Pet insurance is helpful in Wisconsin because most emergency vet visits are costly. For example, cancer treatments can run upwards of $7,000. A significant number of uninsured pet owners have to put their pets down because they cannot afford the needed therapies or procedures. With insurance, you don’t have to face such painful decisions.

How old must my pet be to get insured?

Pet insurance companies typically require that animals be 8 weeks or older before you can put a policy in place. That said, most providers have no age limits for when you can apply for coverage. Remember, younger pets are cheaper when it comes to premiums, which is why we encourage people to insure their pets by their first birthday.

Is it worth getting pet insurance in WI?

As noted earlier, sudden illnesses and accidents are bound to occur in your pet’s life. Pet owners will spend upwards of $2,500 or more for such vet visits. The decision you need to make is whether paying monthly insurance premiums mitigates the potentially exorbitant out-of-pocket expenses in the future.

What does pet insurance cover and exclude?

Coverage differs from provider to provider. In general, any illness or accident deemed “sudden and catastrophic” is covered unless specifically listed as an exclusion in your policy. Some examples of things covered include allergies, treating lacerations, eye infections, and broken bones. Your insurance provider will not cover any condition your pet has had prior to or at the time of applying for insurance. Therefore, if your pet has had cancer and you apply for a policy, cancer will be considered a pre-existing condition, which is not eligible for claims. Most providers now have “wellness” packages you can purchase to add to your policy, and these cover routine care such as annual physical exams, heartworm prevention, vaccinations, and more.

How does reimbursement work?

As an example, let’s say your pet needs a $10,000 surgery, and your policy has a $250 deductible, a 90% reimbursement amount, and a $20,000 annual maximum benefit. For said surgery, your insurance provider will reimburse you $9,000 minus your $250 deductible, leaving you to pay only $1,250 of the original $10,000 cost. Most people find paying such large vet bills upfront difficult, so if you would like to avoid that stress, consider choosing Trupanion as your pet insurance provider since they directly pay vets in their network.

Does Wisconsin have any restricted breeds for homeowners insurance?

Most states have restricted dog breeds for homeowners insurance, and they may vary between providers. Wisconsin is no different. Such restrictions may include, but are not limited to:

  • Akitas
  • Bull Mastiffs
  • Chow Chows
  • Doberman Pinschers
  • German Shepherds
  • Pit Bull Terriers
  • Rottweilers
  • Wolf-hybrids

It is always wise to contact your home insurance provider and verify what your policy includes or excludes in terms of your pet. This is true for any type of animal you have or are considering getting. You should also check if you need a specific liability rider.

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

While Wisconsin is a great place to raise a pet, it experiences many natural disasters such as severe snowstorms, wildfires, and tornadoes. As a result, Wisconsinites have a lot to consider to keep their best pals safe and healthy.

1. Keep your pet hydrated

Proper hydration is one of the keys to your pet’s health, especially amidst Wisconsin’s hot summers. Keep a clean bowl of water available at all times. Also, add a bit of water to your pet’s food, whether it eats dry, canned, cooked, or raw food. The moisture brings out the flavors and helps your pet stay hydrated. Just be sure not to drown the food; otherwise, your furry friend may turn its nose up at it!

2. Register your pet

Wisconsin requires that all cats and dogs be registered once they are five months old. Proof of spaying/neutering (if applicable) and proof of rabies vaccination are required. Pet registrations are done through your local city or town office.

3. Vaccinate your pet against rabies

Vaccinating your pet against rabies is a requirement for registering it. The primary carriers of the virus in Wisconsin are bats and skunks, with which any pet who spends time outdoors has a high risk of coming into contact.

4. Beware of salted roads and sidewalks

Wisconsin is known for its monstrous snow and ice storms, which means the sidewalks and streets are heavily salted. While this may be helpful for humans, the salt irritates your pet’s paws and can even burn them. If you have a dog, you may consider getting dog boots so you can still take your pal on winter walks. For those with cats, consider keeping your furry friend indoors for the winter.

5. Prepare an emergency bag for your pet

Between tornadoes and wildfires, there is bound to be a time when you’ll need to make a quick evacuation. Consider putting together a “go” bag for your pet. Things to include are food, water, bowls, and medicine. Depending on the type of pet you have, you may also need a small litter box with a bag of litter or a leash. Keep your pet’s carrier easily accessible and lined with a cushion or thick blanket, and maybe even top it off with a fresh pee-pad.

5 Unique Rescue Shelters in Wisconsin

If you’re thinking about bringing a new companion into your life, we recommend adopting. Consider these five unique shelters when you start your search.

1. Lakeland Animal Shelter in Delavan, WI

Located in southeastern Wisconsin, LAS focuses on rescuing and rehabilitating stray and neglected animals. LAS gives all animals love, kindness, and the necessities to thrive. They also allow them to stay at the shelter until a loving and compassionate home is found for them.


2. Happily Ever After Animal Sanctuary in Marion, WI

This beautiful animal sanctuary is home to many adoptable cats and dogs, where they are given the space, patience, and love needed to heal medical issues or past traumas. HEA guarantees every animal a permanent home, whether that be at HEA or with a kind and responsible home. The staff at HEA will provide you with post-adoption support and connect you with important resources.


3. Forest County Humane Society in Crandon, WI

FCHS is a no-kill organization that provides shelter and care to rescued cats, dogs, and various small companion animals. All animals receive the treatment and love necessary for rehabilitation and are also spayed/neutered, dewormed, and more.


4. Chasing Daylight Animal Shelter in Tomah, WI

CDAS offers shelter, love, and care to dogs and cats. Sociable cats are allowed to roam freely, and those who aren’t socialized are given supervised time to enjoy the playrooms. Dogs have outdoor spaces and courses in which to play. All animals receive one-to-one attention from the shelter’s volunteers and are allowed to live out their lives at CDA if they are not adopted.


5. Dunn County Humane Society in Menomonie, WI

DCHS is a no-kill shelter that rescues and promotes the humane treatment of companion animals. All animals at DCHS receive an evaluation, medical care, and rehabilitation, and a forever home.


Conclusion

Ultimately, buying pet insurance is much easier than you may have initially thought. We always recommend getting insurance once your furry friend reaches 8 weeks. The younger your pet when applying for insurance, the better the prices you will receive and the fewer restrictions regarding pre-existing conditions. Nevertheless, getting your pet insured at any age is better than never since it promotes wellness and is beneficial in a crisis. Our extensive research shows that Lemonade consistently performs the best and has the lowest premiums.

SwiftScore Ranking Methodology for Wisconsin

We ranked the best pet insurance policies in Wisconsin 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 Wisconsin with a 53225 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

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