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

The price for Wyoming dog insurance is almost always the same throughout the state including in Cheyenne, Casper, Gillette, Laramie, or Jackson, 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 January 2023 and are subject to change. If you’re looking for the most up-to-date cost of dog insurance in Wyoming we suggest getting a quote directly with Figo or Wagmo.

1. Mixed Breed – $16.88/ mo
2. Labrador Retriever – $22.98/ mo
3. Golden Retriever – $22.93/ mo
4. German Shepherd – $24.79/ mo
5. Goldendoodle – $19.95/ mo
6. Chihuahua – $10.49/ mo
7. Siberian Husky – $23.04/ mo
8. Yorkshire Terrier – $14.49/ mo
9. American Pit Bull Terrier – $25.51/ mo
10. Australian Shepherd – $15.86/ mo
11. Dachshund – $14.96/ mo
12. Shih Tzu – $13.33/ mo
13. French Bulldog – $31.56/ mo
14. Boxer – $31.68/ mo
15. Labradoodle – $19.95/ mo

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

Wyoming Dog Insurance FAQs

What is dog insurance and why is it valuable in Wyoming?

The first step in protecting your dog with an insurance policy is to sign up with a pet insurance company and start making monthly payments to keep the policy active. If your dog were to ever become ill or experience an accident that needs medical attention, typically you would be required to pay the full cost of the veterinary visit out of pocket at the time of service and submit a claim to your insurer afterwards so you can receive reimbursement. Many insurance companies tend to exclude certain pre-existing conditions when providing coverage. To avoid restrictions like these, we suggest signing your dog up for insurance as soon as they have reached 8 weeks of age or are still in the puppy phase.

Having dog insurance in Wyoming is incredibly valuable. The cost for veterinary care can become extremely expensive, especially for the treatment of complicated conditions like cancer, with amounts often exceeding $10,000. Without insurance, many dog owners may decide to put their pets down solely due to financial strain. Pet insurance serves to eliminate situations like this.

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

Although many dog insurance providers require that your puppy be at least 8 weeks old before you can sign them up for an insurance plan, many insurance companies do not have age limits in place for their dog insurance policies. Generally speaking, younger animals are less expensive to insure, so we recommend applying for an insurance plan before your dog’s first birthday.

How important is dog insurance in Wyoming?

Accidents and illnesses involving pets are unfortunately common. The price for veterinary treatments can pile up fast, and many dog owners will spend at least $3,000 on an emergency vet visit at some point during their pet’s lifetime. You will need to determine if paying a monthly premium is worth avoiding high out of pocket costs for vet bills.

What’s included in a dog insurance policy and what is excluded?

Coverage options vary between each insurance provider, but generally, any accident or illness that affects your dog will be covered under your policy unless expressly excluded. “Sudden and catastrophic” incidents like broken bones, eye infections, swallowing a tennis ball, or allergies would be included. Conditions such as cancer are classified as pre-existing conditions, so if your dog already has cancer when you apply for an insurance plan, this would not be covered or eligible for claims. Many pet insurance companies have also begun to offer wellness packages. These are coverage add-ons that can help cover the cost of routine visits to the vet for check-ups, heartworm prevention, and vaccinations.

How does reimbursement work?

Suppose you have a dog insurance policy with a 90% reimbursement amount, a $250 deductible, and a $20,000 annual max benefit. If your dog were ever to sustain an accident or illness that required a $10,000 emergency vet surgery, your insurance company would reimburse you $9,000 minus your $250 deductible, meaning you would only be paying $1,250 out of pocket instead of the full $10,000. Pet insurance provider Trupanion is the exception to this rule. They offer to make payments directly to vets in their network, preventing you from paying for a vet visit entirely out of pocket.

Is it smarter to have a low deductible and is there a sweet spot?

While a low insurance deductible usually means a high monthly premium, making more significant payments each month will keep you from paying more at the vet. Many insurance companies offer an easy-to-use calculator when providing a quote, making it easier for you to decide which deductible works best for you and your financial situation. Based on our findings, most people will choose a $250 or $500 deductible.

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

1. Routine grooming

Regular grooming will keep your dog feeling and looking its best. Be sure to brush your dog’s hair to keep their coat healthy, and either clean their teeth yourself or bring them to the vet for cleanings to prevent dental disease. Bathing and nail clipping are also an essential parts of keeping your dog clean and well-groomed.

2. Keep your dog warm

Winters in Wyoming are often long and chilly, so it’s vital to protect your dog from the cold and freezing temperatures common in the colder months. Don’t leave your dog outside for long periods; be sure to provide protective clothing for smaller pups and dogs with short hair.

3. Hydration

Just as temperatures drop during Wyoming winters, summertime has the potential for rising temperatures. The warm summer months will entice your dog to run and play outdoors, but the heat can cause extreme thirst. Always make sure your dog has access to plenty of fresh water to prevent dehydration.

4. Manage their weight

Healthy dogs are happy dogs. Improper portions of food and limited physical activity can lead to your dog becoming overweight, making them susceptible to obesity-related health issues. Feeding your dog the right amount of food each day, along with lots of opportunities to play and exercise, is the best way to keep them fit and healthy.

5. Dangerous predators

Predatory animals like coyotes, wolves, and cougars are common in Wyoming. Dogs of any size are at risk of becoming prey to one of these animals, but small and medium-sized dogs are especially vulnerable. Keeping your dog on its leash when recreating in Wyoming is necessary to protect them from potential dangers.

5 Unique Dog Rescue Shelters in Wyoming

If you’ve been searching for a new furry companion, look no further than these five exciting and unique animal shelters in Wyoming.

1. Dog and Cat Shelter in Sheridan, WY

Founded in 1969, this shelter is committed to helping homeless animals in Sheridan County. Their dog kennels are attached to an outdoor area, making it easy for the pets to run outside and play and having heated floors to keep all of the dogs in this shelter happy and comfortable.

2. Lucky’s Place Animal Shelter in Thayne, WY

Lucky’s Place Animal Shelter adopts out 300 dogs and cats every year. They provide relief to homeless pets and believe in finding forever homes for abused or unwanted animals. Lucky’s Place Animal Shelter is also a no-kill shelter that relies solely on generous private donations.

3. Casper Humane Society in Casper, WY

This shelter strives to find homes for all of the animals in its facility and encourages the spaying and neutering of pets. They provide love and affection to the animals they shelter and medical care for those in need.

4. Black Dog Animal Rescue in Cheyenne, WY

Despite its name, Black Dog Animal Rescue welcomes and advocates for dogs and cats of all colors, ages, and sizes. Since they opened this shelter, they have found homes for thousands of pets and continue to care for Wyoming’s homeless animals.

5. St. Francis Animal Shelter in Buffalo, WY

Another no-kill shelter, St. Francis Animal Shelter, houses over 500 animals every year. Animals in this facility are loved and cared for until they can find their forever homes. They provide low-cost vaccinations, microchipping, as well as spaying and neutering.

Conclusion

The hassle of purchasing insurance for your pet has become a thing of the past. When you apply for an insurance plan while your dog is still in the puppy phase, you will lock in the lowest prices on policies and can bypass coverage restrictions like pre-existing conditions. Insurance is valuable for pets of any age and guarantees you will never have to pay the full cost of treatment for an illness or accident. You can even split the cost of ordinary vet visits like teeth cleaning and vaccinations with your insurance company. Our thorough research has found that Figo pet insurance has ranked best in performance and they offer the lowest monthly premiums.

SwiftScore Ranking Methodology for Wyoming

We ranked the best pet insurance policies in Wyoming 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 Wyoming with a 82009 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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