Get the Best Pet Insurance in Nebraska in 2025

Sponsored by Figo Pet Insurance

Living in the Cornhusker State, you know Nebraska is full of wide-open spaces, beautiful parks, and plenty of outdoor adventures. But with all that room to roam, your pets can face unique challenges, from extreme weather conditions to encounters with local wildlife. That’s why having a reliable pet insurance plan can make all the difference, helping cover unexpected vet bills and giving you peace of mind.

This guide breaks down pet insurance options in Nebraska. We’ll cover the types of coverage available, typical costs, and tips for choosing a plan that fits your pet’s needs. By the end, you’ll be ready to find the right protection for your furry family members in the Cornhusker State.

Summary: Best Nebraska Pet Insurance Ratings

AKC Pet Insurance

Best for pets with pre-existing conditions

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

ASPCA Pet Insurance

Best for wide-ranging coverage

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Embrace

Best for flexible policy options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Felix

Best for cats

Max Annual Coverage

$15,000

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Figo

Best for reimbursement options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$750

Pets Best

Best for senior pets

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$50-$1,000

Pumpkin

Best for puppies and kittens

Max Annual Coverage

Unlimited

Reimbursement Choices

90%

Deductible

$100-$1,000

Spot

Best for straightforward waiting periods

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Comparison information is provided using publicly available information as of 1/13/2025 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing info@petplace.com.

How Much Does Pet Insurance Cost in Nebraska?

According to our research, Nebraska pet insurance costs an average of $32 per month. This gets you a plan with $5,000 in annual coverage, a $250 deductible, and an 80% reimbursement level. For unlimited annual coverage with the same deductible and reimbursement rate, it's $52 a month*.

We calculated these figures by averaging the monthly costs from eight major pet insurance providers. To estimate typical expenses, we gathered quotes for a three-year-old, medium-sized, mixed-breed dog in two Nebraska cities: Omaha, a major urban center, and Gering, an average-sized city for the state.

It's important to note that your own Nebraska pet insurance cost will depend on factors such as:

• Annual limit, deductible, and reimbursement level. These are the three primary components that determine your monthly premium. The annual limit is the maximum amount the policy will pay out in a year. The deductible is the amount you pay out-of-pocket before the insurance starts to cover costs. The reimbursement level is the percentage of the covered costs the insurance pays after the deductible. Generally, the higher the annual limit and reimbursement level, the more expensive the policy will be.
• Breed and gender. Some breeds are more prone to certain health conditions than others, which can impact the cost of insurance. Additionally, some insurers may charge different rates based on the gender of your pet.
• Your location. Where you live can affect the cost of pet insurance. Urban areas tend to have higher premiums due to the higher cost of veterinary health care in cities.
• Your pet’s age. Just like with human insurance, the younger your pet is when you enroll them in a policy, the lower the premium will be. As they age, premiums may increase.

Additionally, there are other factors that can affect the cost of pet insurance, such as pre-existing conditions, your pet’s lifestyle, and whether or not you choose to add on any optional coverage. That's why it's vital to compare pet insurance plans carefully and choose a policy that suits your budget and your pet's individual needs.

Cost of Pet Insurance for Dogs in Nebraska

Per our research, the average cost of pet insurance for a medium-sized mixed breed dog in Nebraska is $32 per month*. This is based on a policy with $5,000 of annual pet insurance coverage, a $250 deductible, and an 80% reimbursement level. A policy offering unlimited annual coverage, with a deductible of $250 and an 80% reimbursement rate, costs $52 monthly.

Cost of Pet Insurance in Nebraska by Dog Breed

According to the American Kennel Club (AKC), the three most popular dog breeds of 2023 in the U.S. were the French Bulldog, Labrador Retriever, and Golden Retriever. Here are the monthly pet insurance rates you can expect to pay for these breeds in Nebraska:

Cost of Pet Insurance for Cats in Nebraska

Pet insurance for cats is significantly cheaper than dog insurance in Nebraska. The average monthly cost for cat insurance in the state ranges from $15 to $27, depending on factors such as age, annual coverage, breed, deductible, plan type, and reimbursement amount**.

Cost of Pet Insurance in Nebraska by Cat Breed

In 2023, the three most popular cat breeds in the U.S. were the Ragdoll, Maine Coon Cat, and Persian, according to the Cat Fanciers' Association (CFA). Based on our analysis of Nebraska pet insurance, here are the average monthly rates for these breeds:

Cost Comparison for Pet Insurance Companies in Nebraska

Types of Pet Insurance Plans

Pet insurance companies offer policies that cover a wide range of issues, from accidents and illnesses to routine care. Here's an overview of the most common types of pet insurance plans:

Accident and Illness

This type of policy typically covers unexpected accidents and illnesses, such as broken bones, cancer, and infections. It generally includes diagnostic tests, x-rays, ultrasounds, exam fees, hospital stays, surgeries, and prescription medications.

Coverage may also extend to treatments like prosthetic devices, mobility aids, and, in some cases, alternative therapies such as acupuncture or chiropractic care. Coverage for behavioral issues and insurance for senior dogs and senior cats can vary between providers and might not always be included in the base plan, requiring add-ons or separate policies.

Accident Only

Accident-only pet insurance policies are typically the most affordable plans available, covering injuries from accidents like cuts, broken bones, and sprains. This includes vet exams, diagnostic testing (x-rays, MRIs, ultrasounds), hospitalization (surgery and treatment), medications, and rehabilitation.

Wellness and Routine Care

Wellness and routine care plans help manage and offset the cost of preventive care to keep your pet healthy. These policies generally cover routine check-ups, vaccinations, dental cleanings, microchipping, deworming, spay/neuter surgeries, and flea and tick prevention. This type of coverage is often available as an optional add-on to an accident and illness policy.

Pre-Existing Conditions

Pet insurance providers traditionally do not cover pre-existing conditions, making this an essential factor for pet owners to consider when choosing a policy. A pre-existing condition is any health issue that your pet was diagnosed with or showed symptoms of before the start date of the insurance policy or during the waiting period.

However, some insurance companies distinguish between curable and incurable pre-existing conditions. For curable conditions, if your pet has been symptom-free and has not required treatment for a specific period – typically for 6 to 12 months before the policy start date – these conditions might then be eligible for coverage. In contrast, incurable conditions, such as chronic diseases or ongoing illnesses, are generally not covered at any point.

Review your sample policy from your provider for a full list of condition coverage and exclusions.

Reimbursement

Reimbursement rates dictate the percentage of the vet bill that will be paid back to you after you've met your deductible. Common reimbursement levels offered by pet insurance companies range from 70% to 90%. Keep in mind that higher reimbursement rates typically result in higher monthly premiums, so you'll need to find the right balance that works for your budget and needs.

Waiting periods are another vital component of pet insurance policies. They refer to the time between the start date of your policy and when coverage actually begins. Most pet insurance plans have a waiting period for both accidents and illnesses, which can range from a few days to several months.

Accidents usually have a shorter waiting period, often starting within 48 to 72 hours after the policy begins, while waiting periods for illnesses might last anywhere from 14 to 30 days or more. It's vital to note these periods because no claims can be made for accidents or illnesses that occur during the waiting period.

How to Find the Best Pet Insurance in Nebraska

Nebraska’s blend of open plains, forests, and water features offers plenty for your beloved pets to enjoy, but it also comes with unique challenges. The state’s hot summers can lead to dehydration and heatstroke, making access to fresh water and shade essential for outdoor pets. At the same time, Nebraska’s wildlife, including coyotes and venomous snakes like rattlesnakes, can pose serious risks during outdoor activities.

Ticks are another concern in Nebraska, especially in wooded or grassy areas, as they can spread diseases like Lyme disease and ehrlichiosis. Pets that explore these environments need regular tick prevention and checks. Severe weather, including thunderstorms and tornadoes, is also common in the state, potentially causing stress or injuries to pets.

Nebraska’s many lakes and rivers offer recreational opportunities but come with water safety risks, including harmful algae and strong currents. Supervision is key to keeping pets safe near water.

When selecting pet insurance in Nebraska, look for a plan that covers preventive care, emergency treatments, and region-specific risks. Comprehensive coverage ensures your furry friend is protected against Nebraska’s diverse challenges year-round.

Here are some important features to keep in mind when selecting the best pet insurance plan in the Cornhusker State:

• 24/7 vet helpline. Access to a 24-hour veterinary helpline for immediate advice on emergency care or general health questions can be incredibly valuable. This is particularly important in a state like Nebraska, where pets encounter unique risks and challenges.
• Direct vet payments. Some insurance providers offer the option to pay your vet bills directly, so you don't have to pay out of pocket and wait for reimbursement.
• Wellness and routine care coverage. Choosing a policy that offers wellness and routine care coverage can help offset the costs of preventive care.
• Waiting periods. Consider the waiting periods for accidents and illnesses to ensure you understand when coverage will begin.
• Vet exam fees coverage. Veterinary costs in Nebraska are generally lower than in many other states but having coverage for exam fees can still lead to substantial long-term savings.
• Multi-pet discount. If you have multiple pets, look for providers that offer discounts for insuring more than one pet.

Nebraska Pet Laws

Nebraska, known for its expansive plains and close-knit communities, has established a range of pet laws to protect animals and ensure responsible ownership. Here’s an overview of some important rules and regulations:

• Dangerous dogs. Nebraska requires dangerous dogs to be restrained when not in a secure enclosure on the owner’s property. Owners must also post warning signs on their property. If a dangerous dog bites a person, the owner may face a Class IV misdemeanor, and the dog could be euthanized.
• Protection from domestic abuse. Nebraska’s Protection from Domestic Abuse Act includes household pets in protection orders. Victims of domestic abuse can file a petition for a protection order granting them sole possession of household pets and barring the respondent from harming or contacting the animals. Household pets are defined as animals kept for companionship or pleasure but exclude livestock or animals kept for commercial purposes.
• Municipal authority over dogs. Nebraska law allows municipalities to regulate dogs, including licensing, rabies control, and dangerous dog ordinances. Local governments may also create laws to address dogs running at large.
• Commercial pet dealers and breeders. The state has specific statutes governing commercial pet dealers and breeders to ensure animal welfare and proper licensing.
• Restrictions on hunting with ferrets. It is unlawful in Nebraska to hunt rabbits, squirrels, or fur-bearing animals using ferrets. It is also illegal to possess a ferret in fields, forests, or vehicles traveling to or from hunting areas. Violations are considered a Class III misdemeanor and carry a minimum fine of $50.

Omaha Pet Laws

Omaha, known for its vibrant downtown and the iconic Henry Doorly Zoo, has established pet laws to ensure animal welfare and community safety. Here’s a look at the key regulations for pet owners:

• Licensing requirements. All dogs and cats over 16 weeks old must be licensed with the city’s animal control authority. Licenses must be renewed annually by March 15, with fees varying based on whether the animal is spayed or neutered. Additional fees apply for animals classified as dangerous or potentially dangerous, and late fees or penalties may be issued for failing to comply.
• Leash and confinement rules. Dogs must be restrained by a leash, cord, or chain when off the owner’s property unless they are in a designated off-leash area or at an organized dog event. It is also unlawful to allow dogs to run at large on private or public property. On their owner’s property, dogs must be securely confined or restrained.
• Dangerous and potentially dangerous animals. Omaha enforces strict rules for dangerous and potentially dangerous animals, including requirements for confinement, warning signs, and leashing with a muzzle when off the property. Owners of dangerous animals must also carry liability insurance. An animal may be deemed dangerous if it attacks without provocation, and potentially dangerous if it has injured or chased someone in a threatening manner.
• Animal care and nuisance prevention. Pet owners must provide adequate food, water, shelter, and veterinary care. It is illegal to cause an animal unjustifiable pain or to abandon it. Owners must also prevent their pets from becoming nuisances, such as allowing excessive barking or failing to clean up pet waste on others’ property.

Lincoln Pet Laws

Lincoln, home to the University of Nebraska and its vibrant cultural scene, has specific pet laws to ensure the safety and well-being of animals and residents. Here’s what pet owners in Lincoln should keep in mind:

• Licensing and rabies vaccination. All dogs and cats over six months old must be licensed annually. Pets over three months old must be vaccinated against rabies, with booster vaccinations required to maintain protection.
• Leash and confinement rules. Dogs must not run at large and are only considered under control when on a leash no longer than six feet, confined in a secure area, or under direct voice control. Cats are also prohibited from running at large unless they are spayed or neutered and wearing a valid license tag.
• Waste cleanup and enclosure maintenance. Pet owners must clean up after their dogs on public and private property, disposing of waste in approved containers or with property owner consent. Animal enclosures must be cleaned at least every five days to prevent offensive odors and insect infestations.
• Year-round shelter requirements. Animals must have access to proper shelter that includes four sides, a roof, and a floor. Outdoor shelters must retain the dog’s body heat while allowing enough space to stand and turn around. During inclement weather, dogs left outside for more than 30 minutes must have access to additional artificial shelter, and shade must be provided during warm weather.

Bellevue Pet Laws

Bellevue, a thriving city near Omaha, has established comprehensive pet laws to maintain public safety and animal well-being. Here’s what pet parents in Bellevue need to know:

• Owner responsibilities. Bellevue defines an animal owner as anyone who owns, possesses, or harbors an animal within the city or within two miles of its boundaries. Owners must provide their animals with adequate food, water, shelter, veterinary care when needed, and humane treatment.
• Running at large. It is unlawful for owners to allow their animals to run at large. A stray animal is defined as any unlicensed animal roaming freely without the owner’s control or without the consent of property owners. Animals must be secured by a leash, lead, or within the property limits of their owner.
• Nuisance animals. Bellevue considers an animal a public nuisance if it molests passersby or vehicles, attacks other animals, trespasses on school grounds, is repeatedly at large, damages property, barks excessively, or disturbs the peace. Owners are responsible for cleaning up after their pets on public or private property.
• Liability for damages. Pet owners are liable for any harm caused by their animals. Dog owners are responsible for damages to individuals who are chased, bitten, or injured by their dog, unless the injured party was trespassing. The city may order the destruction of a dog or cat that causes property damage or bodily harm.

Common Pet Risks in Nebraska

Nebraska’s mix of open plains, forests, and waterways creates unique challenges for pets. Understanding these risks can help keep your furry companions safe and healthy year-round. Here are some common concerns pet owners in Nebraska should be aware of:

• Heat-related illnesses. Nebraska’s hot summers can lead to dehydration and heatstroke, especially for pets spending time outdoors. Signs include excessive panting, lethargy, and drooling. Always provide fresh water, shade, and avoid outdoor activities during the hottest parts of the day.
• Wildlife encounters. Nebraska’s rural and wooded areas are home to wildlife like coyotes, mountain lions, and venomous snakes such as rattlesnakes and copperheads. Encounters with these animals can result in injuries or even be fatal. Keeping pets supervised and on a leash during outdoor activities reduces the risk of dangerous interactions.
• Tick-borne diseases. Ticks are common in Nebraska’s grassy and wooded regions, carrying diseases like Lyme disease and ehrlichiosis. Regular tick prevention and checks after outdoor adventures are crucial for keeping pets healthy.
• Water safety hazards. Nebraska’s lakes and rivers are popular for outdoor activities but come with risks. Strong currents and harmful algal blooms can pose dangers to pets. Always supervise pets near water and prevent them from drinking from or swimming in unfamiliar water sources.
• Severe weather. Nebraska’s unpredictable weather includes thunderstorms, tornadoes, and icy winters. These events can create stress or physical risks for pets. Having a safety plan that includes provisions for your pet during emergencies is essential.

Veterinary Costs in Nebraska

According to Banfield Pet Hospital's Price Estimator, the average cost for a vet visit in Nebraska is $64. However, costs will be higher for emergency care or specialized treatments. Here's an overview of vet visit costs in five cities across the state:

Best Pet Insurance by City in Nebraska

As mentioned earlier, where you live can affect the cost of pet insurance. Here's an overview of the most affordable pet insurance providers in three major cities in Nebraska:

Methodology

The PetPlace team compiled this guide through research and analysis of publicly available data. Some of the factors we considered include policy rates, waiting periods, the availability of a 24/7 vet helpline, and wellness routine care coverage. Our goal is to provide helpful information for pet owners in Nebraska. However, we recommend conducting your own research, speaking to a licensed vet, and considering your budget and your pet's specific needs before deciding on a pet insurance provider.

Best Pet Insurance in Nebraska FAQs

Recommended Resources

• 7 Essential Tips for Choosing a Pet Insurance Policy That’s Right for You
• Compare and Contrast Pet Insurance Providers
• How Are Pet Wellness Plans Different from Pet Insurance?
• Is Pet Insurance Worth It for an Indoor Cat?
• Pet Insurance: What It Covers
• Pet Insurance for Kittens