6 Best Wyoming (WY) Pet Insurance Plans Compared in 2022

Updated on June 13, 2022 by Matthew H. Nash – Licensed Insurance Agent

Purchasing pet insurance in Wyoming can feel overwhelming. As a licensed insurance agent, I understand how hard it is to decipher policy language and determine the best insurance company. My team and I have done extensive research specifically for Wyoming pets. This article covers all the bases if you live in Cheyenne, Jackson, Gillette, Cody, or somewhere in between. Read more about our unbiased ranking methodology and advertiser disclosure.

Top WY Pet Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best pet 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 June 2022 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 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
4.5
  • 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 WYOMING

$34.10/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
4.4
  • 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

$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
4.4
  • 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 WYOMING

$48.33/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 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
4.1
  • 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

figo
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

$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 & cat insurance cost in Wyoming for the 15 most popular breeds?

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

Dog Insurance Prices in Wyoming:

  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

Cat Insurance Prices in Wyoming:

  1. Mixed Breed – $9.82/ mo
  2. American Shorthair – $11.59/ mo
  3. Bengal – $11.59/ mo
  4. Bombay – $11.59/ mo
  5. British Shorthair – $11.59/ mo
  6. Exotic – $11.59/ mo
  7. Himalayan – $11.59/ mo
  8. Maine Coon – $12.24/ mo
  9. Persian – $12.24/ mo
  10. Ragdoll – $12.24/ mo
  11. Russian Blue – $11.59/ mo
  12. Scottish Fold – $12.24/ mo
  13. Siamese – $12.24/ mo
  14. Sphynx – $11.66/ mo
  15. Abyssinian – $11.66/ mo

Not finding your specific pet 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 Pet Insurance FAQs

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

If you want to protect your pet with insurance, sign up with the company of your choice and pay the monthly premium to keep your policy active. Should your pet get in an accident or become sick, you must foot the vet bill up front. Then, you can submit a claim to your provider for reimbursement. Keep in mind that most insurance companies exclude pre-existing conditions. Therefore, we suggest getting your pet insured as early as possible.

Pet insurance is helpful in Wyoming because emergencies occur in most pets’ lives and result in costly vet bills. For example, cancer treatments can exceed $8,000. Uninsured pet owners often have to euthanize their pets because they cannot afford the procedures and therapies needed. Insurance eliminates this unfortunate possibility.

At what age can I insure my pet?

Pet insurance companies require animals to be at least 8-weeks-old to qualify for insurance. That said, most providers do not place an age limit on when you can get pet insurance. Just remember, the younger the animal, the cheaper it is to insure them. Therefore, it is always a good idea to get your pet insured before its first birthday.

Is it worth it to get pet insurance in WY?

As noted earlier, vet bills can go through the roof when sudden illnesses or accidents occur. Pet owners often spend upwards of $2,000 for an emergency vet visit. The decision you need to make is whether paying monthly insurance premiums will offset such potentially expensive out-of-pocket costs in the future.

What does pet insurance cover and exclude?

Coverage differs from one insurance provider to the next. However, a good rule of thumb is that any health event considered “sudden and catastrophic” will be covered unless explicitly excluded in your policy. Some examples of things policies cover are eye infections, urinary blockages, lacerations, or a swallowed tennis ball. That said, if your pet has a specific condition when you apply for a policy–or has had it in the past–it will be considered a pre-existing condition. These are not eligible for reimbursement via claims. Insurance companies are also offering “wellness” packages, which you can add to your policy. These packages cover services such as physical exams, vaccinations, heartworm detection, etc.

How does reimbursement work?

In this hypothetical situation, let’s say your pet needs a $10,000 surgery. If you have a policy with a $20,000 annual maximum benefit, a 90% reimbursement amount, and a $250 deductible, then your insurance provider would cover $9,000 minus the $250 deductible. Therefore, you would pay $1,750 instead of the total $10,000. If the idea of paying vet bills in full and waiting for reimbursement causes you undue stress, you might want to consider Trupanion, since they pay vets in its network directly.

Is it better to have a higher or lower deductible?

Determining which deductible is best for you is a matter of personal preference and financial circumstance. With a lower deductible you will have a higher monthly premium to pay but lower out-of-pocket expenses should a crisis occur. And for a higher deductible, you will have lower monthly premiums but higher out-of-pocket costs in an emergency. With that in mind, it is worth mentioning that most people choose either a $250 or $500 deductible. Many pet insurance providers have simple calculators on their websites you can use when requesting a quote.

Are there restricted breeds for homeowners insurance in Wyoming?

Most states, Wyoming included, have restricted dog breeds when it comes to homeowners insurance. Such restrictions can vary from one insurance provider to the next. Some restricted breeds may include, but are not limited to:

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

Regarding other types of animals, reach out to your home insurance provider to determine what your policy includes and excludes and if you will need a specific liability rider.

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

Between the usual concerns and Wyoming’s natural disasters, pet owners have a lot to consider regarding their pets’ health and safety.

1. Keep your pet hydrated

Proper hydration is a significant factor in maintaining your pet’s good health, but it is even more critical during Wyoming’s hot summers. Keeping your pet hydrated can prevent many unnecessary illnesses. The two best ways to achieve good hydration levels are always to have a clean, fresh bowl of water available at all times and to add a bit of water to your pet’s food. Be careful not to drown the food, or your pet may turn its nose up at it.

2. Treat your pet for fleas and ticks

Like most places in the country, fleas and ticks are a problem in Wyoming. Treatments come in both spot-on and collar forms. Consult your vet to figure out what is best for your pet.

3. Get your pet vaccinated for rabies

Bats and skunks are the two primary carriers of rabies in Wyoming, both of which your pets could easily come into contact. It is worth noting that proof of rabies vaccination is required when registering your pet with the town or city.

4. Groom your pet

With Wyoming’s four seasons, your pet will appreciate regular grooming. Brushing your furry friend multiple times a week will help keep their coat shiny and smooth. It will also help them shed old fur and allow new layers to come in. Brushing minimizes the risk of hairballs. If you have a dog, be sure to include frequent baths in your grooming routine.

5. Protect your pets against predators and dangerous animals

Wyoming has a naturally stunning landscape that may be great for your pet to roam and explore. That said, many creatures could cause your little pal trouble, including the Prairie Rattlesnake and Midget Faded Rattlesnake, wolves, bears, mountain lions, skunks, and more. The good news is that most of the dangerous animals in Wyoming are nocturnal, which means if you keep your pets indoors from dusk until after sunrise, your pets will be better off.

5 Unique Pet Rescue Shelters in Wyoming

For those of you considering getting a companion animal, we encourage you to adopt. Here are some unique and interesting shelters throughout Wyoming to help you get started on your search:

1. Dog and Cat Shelter of Sheridan Wyoming in Sheridan, WY

Home to many cats, dogs, rabbits, guinea pigs, ferrets, and other animals, the Dog and Cat Shelter plays a vital role in caring for abandoned, abused, and homeless in Sheridan County. They put tremendous care into providing separate free-roaming areas for both dogs and cats. Dog kennels have heated floors with outdoor areas attached, and the cats have their own ‘catio’ on which to enjoy the sun.


2. Laramie Animal Shelter in Laramie, WY

Laramie Animal Shelter works to improve the welfare of cats and dogs in Albany County and does not euthanize unless an animal is in severe pain or has a behavioral disturbance that cannot be resolved through medical care, training, or human socializing. They promote responsible pet ownership, offer low-cost spaying and neutering, and engage in a TNR (Trap-Neuter/Spay-Release) program for feral animals.


3. Kindness Ranch Animal Sanctuary in Hartville, WY

One of the most unique animal rescue organizations in the country, Kindness Ranch is home to former research and lab animals, primarily dogs and cats. The animals get to live with their caretakers in large yurts and receive 24/7 care. Animals that KRAS can rehabilitate are made available for adoption. Those too ill or traumatized get to live out their days in the loving and attentive environment of Kindness Ranch.


4. Paws for Life Animal League in Riverton, WY

This shelter primarily focuses on caring for and adopting out abused, neglected, homeless dogs and cats. PLAL prides itself on being a no-kill organization that strives to find loving homes for all healthy, adoptable animals. Every cat and dog is spayed/neutered, vaccinated appropriately for its age, dewormed, and microchipped.


5. Animal Humane Association of Star Valley in Thayne, WY

Also known as Lucky’s Place, this is a private, no-kill shelter for cats and dogs in the Star Valley area. Their shelter facility and local fostering program help hundreds of once homeless or abused animals find forever homes.


Conclusion

As you can see, choosing the best pet insurance company is much easier than it may have initially seemed. Signing up for pet insurance when your pet is still a juvenile is always a good idea, and it will guarantee you the best prices with fewer exclusions in your policy. Nevertheless, insuring your pet at any stage of its life can help promote wellness and save you money in emergencies. Our comprehensive research shows that Figo pet insurance consistently performs the best and has the lowest 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