Best Pet Insurance in Indiana (2025)

Pet owners in Indiana deserve the best care for their furry friends. A good pet insurance policy helps ensure that veterinary care will be affordable if your pet sustains a minor injury or develops a costly chronic condition like cancer.

Pet insurance in Indiana costs about $22 per month for cats and $39 per month for dogs, according to Insurify data, and some pet insurance companies offer even more budget-friendly policies.

Here’s what you should know about comparing quotes and finding affordable pet insurance in Indiana.

Best pet insurance companies in Indiana

The best pet insurance company for you will depend on your pet’s age and healthcare needs, so it’s a good idea to compare customized quotes and review each policy’s coverage and exclusions. But the pet insurers below stand out for offering great coverage at an affordable price.

ManyPets: Best value

• Sample monthly quote for dogs: $23

• Sample monthly quote for cats: $15

• Plans available: Accident and illness, wellness

ManyPets is one of the most affordable pet insurance companies and offers comprehensive coverage relative to other low-cost insurers. The company doesn’t limit annual or lifetime coverage, and policies cover most veterinary treatments, including exam fees for most accidents and illnesses — and dental illnesses and hereditary conditions.

AKC: Best for pre-existing conditions

• Sample monthly quote for dogs: $29

• Sample monthly quote for cats: $19

• Plans available: Accident and illness, accident only, wellness

AKC Pet Insurance is one of the few pet insurance companies that covers pre-existing conditions, including incurable conditions, after one year of continuous coverage. Premiums are relatively affordable, but coverage for exam fees and hereditary conditions costs extra. You can also add breeding coverage for an additional premium, which isn’t available from most insurers.

AKC allows you to choose from a variety of deductible and reimbursement options, and policyholders get 24/7 access to advice from a veterinarian. The company doesn’t have upper age limits or breed restrictions. But AKC policies contain some important exclusions, including dental illness, and benefits are capped at $10,000 or less annually.

Pumpkin: Best for comprehensive coverage

• Sample monthly quote for dogs: $33

• Sample monthly quote for cats: $19

• Plans available: Accident and illness, wellness

While Pumpkin charges higher premiums than some other insurers, including ManyPets, policies are more affordable than other comprehensive pet insurance companies. Pumpkin’s accident and illness policy offers broad coverage for commonly excluded conditions and treatments, like dental illness, alternative therapies, behavioral issues, prescription food, and illnesses preventable by vaccines.

Pumpkin doesn’t charge extra for exam fees or hereditary conditions, and the insurer covers most cured pre-existing conditions if your pet has been symptom- and treatment-free for 180 days. You can enroll pets ages 8 weeks and up, with no breed restrictions. You can get up to 90% of your vet bills reimbursed, and the company offers a multi-pet discount of 5%–10%.

Cost of pet insurance in Indiana

The average monthly cost of an accident and illness pet insurance policy in Indiana is $60, including both cat insurance and dog insurance quotes, according to Insurify data. The average cat insurance premium in Indiana is $22, and the average dog insurance premium is $39. 

Both cat and dog insurance policies are cheaper in Indiana than in neighboring Michigan and Illinois, on average. You can save even more on pet insurance by choosing a higher deductible and buying a policy when your pet is young. Some of the top pet insurance companies offer pricing for 2-year-old cats and dogs that’s well below the state average.

The pet insurance company you choose will also affect your premium. It’s a good idea to compare pet insurance quotes and consider any unique pet healthcare needs or pre-existing conditions your pet has when deciding on a policy.

Why pet insurance is important if you live in Indiana

Dogs and cats anywhere in the nation are at risk of experiencing the common symptoms below, which can lead to a trip to the emergency vet and an expensive vet bill, according to a report from Healthy Paws Pet Insurance.1

Condition/average cost

When outdoors or in social settings, dogs are at risk of additional illnesses in Indiana. In late 2023, an unknown respiratory illness was going around the Indiana dog community, with symptoms similar to kennel cough.

Indiana dogs may need protective clothing on cold days, and you should give heartworm prevention all year, even in the winter. Flea-and-tick season runs between April and September in Indiana, but your veterinarian may recommend giving your dog flea/tick prevention medication all year.2 Some wellness plans may help with these costs.

Indiana pet regulations and laws

The following laws apply to pets in Indiana:

• Vaccination: All cats, dogs, and ferrets 3 months or older must get a rabies vaccination under Indiana law.3

• Licensing: Licensing requirements vary depending on local laws, but many cities require a dog license.

• Curbing: In some cities, such as Indianapolis, you must remove the feces immediately if your dog or cat defecates on private or public property without permission.4

• Disturbance: Some cities don’t allow frequent vocalization (barking or yelping) if it disturbs people in the vicinity.

• Animals at large: Many Indiana cities don’t allow pets at large, meaning you can’t let your cat roam outdoors or take your dog outside your property without a leash.

• Spay/neuter: Animal care facilities must spay or neuter all animals in Indiana before adoption.5

• Dog bites: You may be guilty of a misdemeanor if you fail to restrain your dog and your dog causes injury to another person. You’ll also be liable for all damages if your dog bites someone unprovoked.

Types of pet insurance coverage

Most pet insurance companies offer accident and illness plans, which offer comprehensive coverage for most conditions. Some pet insurers may also offer a wellness plan, which adds savings for preventive care, or an accident-only plan, an affordable alternative that doesn’t cover illnesses. In 2023, only a small share of policyholders had accident-only insurance.6

Accident and illness plan

Accident and illness coverage varies by pet insurance company, but the most comprehensive plans may cover:

Accident and illness plans don’t typically cover:

• Pre-existing conditions if your pet showed symptoms before the end of the waiting period, with some exceptions

• Elective procedures

• Preventative care

• Training, boarding, or grooming

• Breeding, whelping, pregnancy, or nursing

Accident-only plan

Accident-only pet insurance only covers conditions with accidental causes. An accident-only plan may cover some or all of the treatments in the table above for a number of accidents, including:

• Bites, cuts, and wounds

• Bee stings

• Eye injuries

• Lacerations, broken bones, and sprains

• Toxic ingestion

Wellness plan

A wellness plan covers routine care costs, which traditional accident-only and accident and illness plans don’t cover. Wellness plans are typically add-ons to another policy, and they usually don’t come with a deductible or waiting period.

They may cover preventive care services like:

• Annual exams

• Dental cleanings

• Flea/tick prevention

• Heartworm test or FeLV screening

• Microchipping

• Routine diagnostics

• Spay/neuter surgery

• Vaccines

Wellness plans limit your reimbursement to a dollar amount or a specific number of each service annually — and they typically only provide limited savings — but they can help with budgeting. Some pet insurance companies offer a few different wellness plans, such as a plan for puppies and kittens.

How to find the best pet insurance in Indiana

Indiana pet parents, from Fort Wayne to South Bend, have several options for pet health insurance. To narrow down your options, you should:

Indiana pet insurance FAQs