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.
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:
- 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 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 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:
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:
Cost Comparison for Pet Insurance Companies in Nevada
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:
- 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 Nevada, where pets face 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. While veterinary costs in Nevada are generally lower than in many other states, having coverage for exam fees can lead to significant long-term savings.
- Multi-pet discount. If you have multiple pets, look for providers that offer discounts for insuring more than one pet.
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:
- Dangerous dogs. A dog may be classified as "dangerous" if it acts menacingly on two separate occasions within 18 months, making a reasonable person fear harm. Dogs are considered "vicious" if they seriously injure or kill a person without being provoked. Owners of vicious dogs may face felony charges if the dog inflicts serious harm.
- Animal cruelty. Nevada prohibits overdriving, overloading, torturing, cruelly beating, injuring, mutilating, or killing animals without justification. Depriving an animal of necessary food, water, or care is also considered cruelty. First offenses are misdemeanors, with repeat violations potentially leading to felony charges.
- Pet trusts. In Nevada, you can set up a trust to care for your pets that are alive during your lifetime. The trust remains valid until the last pet covered by it passes away. Courts are instructed to interpret the trust’s terms broadly to ensure the animals’ well-being.
- “No kill” research facilities. A 2015 law requires research facilities to offer dogs or cats for adoption before euthanasia, except when euthanizing is necessary for scientific, medical, or educational purposes. Adoptions can be managed by the facility or through partnerships with rescue organizations.
- Animal control ordinances. Nevada counties can pass ordinances on issues like animal licensing, stray animals, setting up animal shelters, labeling certain animals as dangerous, and requiring liability insurance for owners of dangerous animals.

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:
- Rabies vaccination and licensing. Dogs and cats over five months old must be vaccinated against rabies by a licensed veterinarian. Proof of vaccination is required to obtain an annual license for dogs. Fees are $2 for neutered animals and $5 for unneutered animals. Dogs must wear their license tag at all times.
- Leash laws. Dogs must be on a leash and under their handler’s direct control when in streets or public places. This regulation helps protect both pets and the public.
- Confinement of female dogs and cats in heat. Owners must securely confine female dogs and cats in heat to prevent other animals from approaching or being attracted to them.
- Nuisance animals. It's unlawful to allow an animal to bark, howl, or make persistent noise that disturbs others. Owners are also prohibited from keeping animals in conditions that cause offensive odors or pose health risks to others.

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:
- Rabies vaccination and licensing. Dogs, cats, and ferrets over three months old must be vaccinated against rabies by a licensed veterinarian. Proof of vaccination is required to obtain an annual pet license, with fees based on the pet's sterilization status and the owner's age. The license tag must be securely attached to the pet’s collar, leash, or harness.
- Animal confinement and transportation. Pets must not run at large and must be confined to the owner’s property or on a leash in public areas. Animals cannot be transported in vehicles under conditions that may harm their health, such as extreme heat or poor ventilation.
- Adequate shelter and care. Pet owners must provide proper shelter suited to the animal’s age, species, and condition. This includes shade when temperatures exceed 85°F and cooling mechanisms such as misters or air conditioning during heat advisories. Owners are also responsible for ensuring their animals have adequate pet food, water, and veterinary care when needed.
- Nuisance animals. Pets are not allowed to make excessive noise that disturbs the neighborhood. Noise violations are determined based on factors like the time of day, how loud the noise is, and how often it happens.

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:
- Rabies vaccination and licensing. Dogs, cats, and ferrets over three months old must be vaccinated against rabies and licensed. Licensing requires proof of vaccination.
- Pet limits. Households are limited to three dogs, three cats, and three ferrets over three months old. A dog or cat fancier permit allows up to six animals of one species for showing or breeding purposes.
- Running at large. Pets must not run at large or trespass on public or private property. Animals found at large may be impounded and held for at least 72 hours.
- Impoundment and release. Owners can reclaim impounded pets within 72 hours by proving ownership, paying fees, and meeting regulations like licensing, vaccination, and microchipping if required.
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:
- Heat-related illnesses. Nevada’s intense summer heat increases the risk of dehydration and heatstroke, especially for pets that spend time outdoors. Ensuring access to fresh water, shade, and avoiding exercise during peak heat hours are key to preventing these conditions.
- Rattlesnakes and other wildlife. The state's desert and mountainous regions are home to a variety of wildlife, including rattlesnakes, coyotes, black bears, and mountain lions. Snake bites can be deadly for pets, while coyotes and other predators may target smaller animals. To protect your pets, always supervise them outdoors and stay vigilant in areas where wildlife is common.
- Heartworm disease. While Nevada has lower mosquito activity compared to some other states, heartworm remains a concern, especially in urban and irrigated areas. Regular heartworm prevention is essential to protect pets from this serious disease.
- Poor air quality. Dust storms and wildfires can lead to poor air quality, triggering respiratory issues in pets. Limiting outdoor exposure during smoky or dusty conditions is vital, particularly for pets with pre-existing respiratory conditions.
- Cold weather risks. In higher-elevation areas, Nevada’s winters can bring freezing temperatures, increasing the risk of frostbite and hypothermia for pets. Providing proper shelter and minimizing outdoor time during extreme cold is important.
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:
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:
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
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.
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
* 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.