6 Best Wyoming (WY) Dog Insurance Plans Compared in 2021

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

Throughout my career as a licensed insurance agent, I’ve noticed that the language in policies is often complicated and confusing for dog insurance. I’ve struggled finding the best insurance plan for my pets in the past. I have done all of the research for you, specifically for dogs in Wyoming, so you don’t have to wonder if you’re choosing the right policy for your pet. Whether you live in Cheyenne, Rock Springs, Buffalo, Laramie, Jackson or any place in between, this article will give you the knowledge you need to pick the perfect plan. Read more about our unbiased ranking methodology and advertiser disclosure.

Top WY Dog Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best dog insurance providers in Wyoming. The average monthly Wyoming-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 Wyoming with a 82009 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.

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

STANDARD PLAN
COST IN WYOMING

$22.98/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

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

STANDARD PLAN
COST IN WYOMING

$41.68/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 Wyoming pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN WYOMING

$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
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Wyoming pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN WYOMING

$46.80/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 Wyoming pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN WYOMING

$79.39/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
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 Wyoming pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN WYOMING

$34.10/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

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

STANDARD PLAN
COST IN WYOMING

$22.98/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Wyoming 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 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 September 2021 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, plenty of 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 find themselves spending 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 low and freezing temperatures that are common in the colder months. Don’t leave your dog outside for long periods, and 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, as well as 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 it 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

Other state dog insurance resources

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