Get the Best Pet Insurance in Nevada in 2025

Sponsored by Figo Pet Insurance

Nevada’s sunny climate and wide-open spaces make it a great place for pets to explore, but it also means pet owners need dependable insurance to handle unexpected health issues. From desert hikes to the bustling streets of cities like Las Vegas, having the right coverage ensures your furry friend stays safe without breaking the bank.

This guide breaks down pet health insurance options in the Silver State, covering types of plans, pricing, and common health concerns for pets in Nevada. By the end, you’ll have all the info you need to pick a plan that keeps your pet healthy and protected all year long.

source
nevada_insurance_lp
script
widget

Summary: Best Nevada 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 12/13/2024 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 Nevada?

According to our research, Nevada pet insurance costs an average of $31 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 $57 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 Nevada cities: Las Vegas, a major urban center, and Pahrump, an average-sized city for the state.

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

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 Nevada

Per our research, the average cost of pet insurance for a medium-sized mixed breed dog in Nevada is $31 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 $57 monthly.

Cost of Pet Insurance in Nevada 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 Nevada:

Breed
Average Monthly Cost With $5,000 Annual Coverage
Average Monthly Cost With Unlimited Annual Coverage
French Bulldog
$67
$111
Labrador Retriever
$46
$77
Golden Retriever
$46
$75

Cost of Pet Insurance for Cats in Nevada

Pet insurance for cats is significantly cheaper than dog insurance in Nevada. The average monthly cost for cat insurance in the state ranges from $13 to $24, depending on factors such as age, annual coverage, breed, deductible, plan type, and reimbursement amount**.

Cost of Pet Insurance in Nevada 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 Nevada pet insurance, here are the average monthly rates for these breeds:

Breed
Average Monthly Cost With $5,000 Annual Coverage
Average Monthly Cost With Unlimited Annual Coverage
Ragdoll
$19
$30
Maine Coon Cat
$25
$41
Persian
$24
$40

Cost Comparison for Pet Insurance Companies in Nevada

Company
Average Monthly Cost With $5,000 Annual Coverage
Average Monthly Cost With Unlimited Annual Coverage
AKC Pet Insurance
$36
$45
ASPCA Pet Insurance
$37
$73
Embrace
$33
$57
Felix
$21
$26
Figo
$28
$42
Pets Best
$27
$29
Pumpkin
$34
$66
Spot
$36
$73

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 Nevada

Nevada's environment can be tough on pets, so it's important to choose pet insurance that covers a variety of potential issues.

The state’s hot, dry climate can lead to dehydration and heatstroke, particularly during the summer months. To keep pets healthy, it’s essential to provide fresh water, shade, and a cool place to rest.

While mosquitoes aren’t as prevalent in Nevada as in some regions, they can still spread heartworm disease, making year-round prevention a must. Outdoor adventures can also bring risks from wildlife such as rattlesnakes, coyotes, and even black bears in some areas. Encounters with these animals can result in serious injuries, so supervision and caution are key.

Additionally, dust storms and wildfires often affect Nevada’s air quality, which can trigger respiratory issues in pets. Keeping pets indoors during periods of poor air quality helps protect their health.

Choosing pet insurance with comprehensive coverage for preventive care, illnesses, and emergency treatment helps keep your pet protected from Nevada’s unique risks all year round.

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

Nevada Pet Laws

Home to the dazzling Las Vegas Strip and breathtaking Lake Tahoe, Nevada enforces animal laws to ensure the safety and well-being of both animals and people. Here are some key regulations every Nevada pet owner should know:

Las Vegas Pet Laws

Famous for its vibrant nightlife and iconic Strip, Las Vegas is also home to many pets. To promote harmony between animals and the community, the city enforces specific pet laws. Here’s what pet owners in Las Vegas should know:

Henderson Pet Laws

Home to scenic attractions like the Henderson Bird Viewing Preserve and the Lion Habitat Ranch, Henderson offers a pet-friendly environment balanced with pet laws to ensure safety and peaceful living. Here are a few key laws that pet parents in Henderson should be aware of:

North Las Vegas Pet Laws

Known for its family-friendly parks and proximity to the Las Vegas Motor Speedway, North Las Vegas offers a vibrant and welcoming atmosphere. Pet owners in the city should be aware of these important animal regulations to ensure a safe and happy community:

Common Pet Risks in Nevada

Pets in Nevada face unique challenges due to the state's diverse environment, which ranges from arid deserts to high-altitude areas. Understanding these risks is essential for keeping your furry companions safe and healthy year-round. Here are some common threats Nevada pet owners should watch out for:

Veterinary Costs in Nevada

According to Banfield Pet Hospital's Price Estimator, the average cost for a vet visit in Nevada is $78. 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:

City
Average Veterinary Visit Cost With One Pet
Average Veterinary Visit Cost for Additional Pet
Las Vegas
$79
$61
Henderson
$79
$61
North Las Vegas
$79
$61
Reno
$74
$58
Pahrump
$79
$61

Best Pet Insurance by City in Nevada

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 Nevada:

City
Cheapest Company/Average Monthly Cost With $5,000 Annual Coverage
Cheapest Company/Average Monthly Cost With Unlimited Annual Coverage
Las Vegas
Pets Best, $27
Pets Best, $29
Henderson
Pets Best, $27
Pets Best, $29
Pahrump
Pets Best, $27
Pets Best, $29

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 Nevada. However, we recommend conducting your own research, speaking to your vet, and considering your budget and your pet's specific needs before deciding on a pet insurance provider.

Best Pet Insurance in Nevada FAQs

Is pet insurance worth it for my pets?
For most pet owners, pet insurance is worth considering to help with unexpected and costly veterinary bills. It may provide peace of mind and financial support in case of accidents, illnesses, or other health issues.
How does pet insurance work?

Pet insurance operates similarly to human health insurance. After choosing a plan, you pay a monthly premium to keep coverage active. If your pet needs veterinary care, you first pay out of pocket then submit a claim to your insurance provider.

Depending on your policy details, you may be reimbursed for a significant portion of the cost, after meeting any deductible and considering your reimbursement rate and policy limits.

What is the best age to get dog insurance?
The best time to insure your dog is typically as early as possible. Many companies offer lower rates for younger pets, and you can avoid potential pre-existing condition exclusions by getting coverage early on. However, it's never too late to get pet insurance, and older dogs can still benefit from the financial protection it provides.
What does basic cat insurance cover?
Basic cat insurance typically covers a range of medical expenses related to accidents, illnesses, and sometimes even preventive care. This can include emergency surgeries, diagnostic tests, hospital stays, and treatments for diseases and infections.
What pet insurance companies are the best?
Based on our research, some of the best pet insurance companies in Nevada are included in this guide. However, the best company for you and your pet may vary based on factors such as cost, coverage options, and customer service. It's important to research and compare different providers to find the right fit for your pet's needs.

* Average prices were calculated using research based on quotes obtained from publicly available quote tools, utilizing Nevada zip codes. Specifically, quotes were gathered for Las Vegas (89107) and Pahrump (89048). The quotes were generated for a 3-year-old male mixed-breed dog with a $250 deductible, 80% reimbursement rate, and a standard Accident and Illness plan. The quotes were obtained during the period of December 7 – December 13, 2024.

** Average prices were calculated using research based on quotes obtained from publicly available quote tools, utilizing Nevada zip codes. Specifically, quotes were gathered for Las Vegas (89107) and Pahrump (89048). The quotes were generated for a 3-year-old male mixed-breed cat with a $250 deductible, 80% reimbursement rate, and a standard Accident and Illness plan. The quotes were obtained during the period of December 7 – December 13, 2024.

The information presented in this article is for educational and informational purposes only and does not constitute or substitute for the advice of a veterinarian.