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Best Pet Insurance in Las Vegas 2020

Pet insurance is an important purchase. Getting the right kind for your pet can mean the difference between a condition being covered and being left to foot the bill yourself. So below we’ll look at the best pet insurance in Las Vegas 2020.

Average Pet Insurance Costs in Las Vegas for Dogs and Cats

According to Banfield Pet Hospital, the most common pet breeds in Nevada are the Chihuahua and the Domestic Medium Hair cat. To get a look at what the prices for pet insurance are across the City of Las Vegas, we compared five different zip codes. We looked at 1-year-old male pets in all instances.  

We compared prices from Embrace Pet Insurance, since the company operates under one comprehensive plan and is one of the largest pet insurers in the U.S. We entered a $500 deductible, an 80 percent reimbursement amount, and a $15,000 annual limit.

Zip CodeDog Monthly CostCat Monthly Cost 
89136$25.89$17.46
89127$25.89$17.46
89110$31.59$21.31
89130$34.95$23.58
89117$38.06$25.67

Large cities tend to have a high degree of variance in pet insurance premiums, depending on the zip code. For dogs, it fluctuates as much as $13 per month and for cats as much as around $8 per month based on the five zip codes we looked at. This just shows how important it is to shop around for who is offering the best price for the most care in your zip code.

Common Illnesses Among Dogs and Cats in Las Vegas

The most common illness for dogs and cats in Nevada, according to Banfield Pet Hospital, are:

  • Dental Disease
  • Overweight and Obesity 
  • Otitis Externa (ear infection)

Since these are the most common illnesses, you might want to look into plans that cover these sorts of conditions for the best pet insurance in Las Vegas 2020. Dental disease is only sometimes covered in plans, so you will have to check if this is covered either through a base plan, an add-on or an added wellness plan. You can learn more about pet dental insurance here.

Some wellness plans or comprehensive base plans also cover nutritional supplements, so that might be a service to keep in mind if your pet is prone to obesity. You can also learn more about pet insurance that covers preventative care

Also, since ear infections are common, you may want to look into an accident, injury and illness plan (also known as a comprehensive plan).  

>>MORE: Cheap Pet Insurance That Covers Everything

Types of Best Pet Insurance in Las Vegas 2020

You have three main types of pet insurance that you can choose from in Las Vegas. As touched on above, comprehensive plans cover accidents, illnesses, and injury. A wellness plan is usually an add-on on top of the base plan. Wellness plans can cover routine, preventative, and wellness care. Some operate as a money-back plan that pays you up to a certain amount. Accident-only plans only cover accidents, of course.

The main benefit of these is how customizable they are in terms of monthly premiums. If you only want coverage in case of a major accident, like your dog gets hit by a car, accident-only coverage is a less expensive option. Base plans have different rates depending on what is all covered. And add-on wellness options are at an additional cost.  

However, pet insurance does not cover pre-existing conditions. Some may if the pet insurer deems the condition curable. You can learn more about pre-existing conditions here.    

Cheapest Pet Insurance in Las Vegas

To find the best pet insurance in Las Vegas 2020, we looked at the top 12 pet insurance companies in the U.S. to see what rates are like in Las Vegas. We used the 89110 zip code, since it had a mid-range rate through Embrace. We again entered the 1-year-old Chihuahua and the 1-year-old Domestic Medium Hair cat.  

To keep prices even, we also compared the highest annual limit the system would let us enter. We kept as close to the $250 deductible mark as we could, as well as the 80% reimbursement mark.  

As you are looking for pet insurance in Las Vegas, price is a deciding factor. However, there are other factors that you should also consider. If you are interested in learning more about these companies than just prices, we can click on the links in the table below to read our full review of these companies.

CompanyDog Monthly PremiumsCat Monthly Premiums
Figo$20.46$21.00
PetFirst$21.57$18.37
Healthy Paws$23.67$13.65
AKC$24.27$25.66
Pets Best$25.15$19.50
PetPlan$29.44$20.16
Trupanion $40.55$36.55
Embrace$43.31$29.22
Nationwide$48.98$26.94
ASPCA$52.92$28.51
24petwatch$69.82$65.74
Hartville$72.16$38.88

Pet insurance premiums truly run the gamut. However, it’s important to keep in mind what you are getting for those premiums. For instance, while Nationwide is the fourth-highest price for dogs, it covers wellness exams, vaccinations, blood work and spay or neuter, as a few examples. It also has unlimited annual benefits.

Meanwhile, PetFirst had a $250 deductible plan and a $2500 high deductible plan. The lower deductible plan has a $5000 benefit and the higher deductible plan has a $10,000 benefit. The higher deductible plan is cheaper monthly at $13.64 for dogs versus the $21.57 low deductible plan for dogs. This shows how different benefits like deductibles and limits can also affect the monthly premiums.

>>MORE: Compare the 4 Biggest Pet Insurance Companies

Insurance in Las Vegas for Exotic Pets

The only insurer that offers exotic pet insurance in the U.S. currently is Nationwide Pet Insurance. However, the coverage is very deep, covering care like prescriptions and exams, which many plans do not cover. Nationwide covers animals like reptiles, birds and rodents.  

You cannot find exotic quotes online through Nationwide. Instead, you must call 888-899-4874. You can also learn more about exotic pet insurance here.

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