Get the Best Pet Insurance in South Dakota in 2025

Sponsored by Figo Pet Insurance

Living in South Dakota, you know there’s no shortage of stunning landscapes, from the Badlands to the Black Hills, and endless opportunities for outdoor adventures. But life in the state can also bring unique challenges for pets, like extreme weather and potential encounters with wildlife. That’s why having a dependable pet insurance plan is so important – it helps cover unexpected vet bills and ensures your furry friends stay happy and healthy.

In this guide, we'll explore pet insurance options in South Dakota, including coverage types, average costs, and tips for choosing the best plan for your pet’s needs. By the end, you’ll have the tools to protect your four-legged family members in the Mount Rushmore State.

Summary: South Dakota 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 3/7/2025 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 South Dakota?

According to our research, South Dakota pet insurance costs an average of $34 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 $53 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 South Dakota cities: Sioux Falls, a major urban center, and Spearfish, an average-sized city for the state.

It's important to note that your own South Dakota 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 South Dakota

Per our research, the average cost of pet insurance for a medium-sized mixed breed dog in South Dakota is $34 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 $53 monthly.

Cost of Pet Insurance in South Dakota 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 South Dakota:

Cost of Pet Insurance for Cats in South Dakota

Pet insurance for cats is significantly cheaper than dog insurance in South Dakota. The average monthly cost for cat insurance in the state ranges from $18 to $39, depending on factors such as age, annual coverage, breed, deductible, plan type, and reimbursement amount**.

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

Cost Comparison for Pet Insurance Companies in South Dakota

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 South Dakota

South Dakota’s wide-open prairies, forests, and changing seasons create both opportunities and challenges for pets. But thankfully, the right pet insurance can help protect them from common health risks in the state.

Extreme weather is a major concern, with freezing winters increasing the risk of frostbite and hypothermia, while hot summers can lead to heatstroke. Severe storms, including tornadoes and flooding, can also create sudden emergencies for pets.

Intestinal parasites, especially roundworms, are common in the state, making regular deworming and vet visits essential. Rabies is another concern, with skunks being the primary carriers, so keeping vaccinations up to date is key. Respiratory illnesses have also been reported, with some dogs developing persistent coughs that can lead to pneumonia.

When choosing pet insurance, look for a plan that covers preventive care, illnesses, and emergencies. Comprehensive coverage ensures your pet is protected from South Dakota’s unique risks year-round.

Here are some important features to keep in mind when selecting the best pet insurance plan in the Mount Rushmore 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 South Dakota, 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 South Dakota are generally lower than in many other states, but having coverage for exam fees can still 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.

South Dakota Pet Laws

South Dakota, home to Mount Rushmore and the scenic Badlands, has pet laws in place to protect animals and ensure responsible pet ownership. Here are some key regulations South Dakota pet parents should know:

• Vicious dogs. A dog is considered vicious and a public nuisance if it attacks or bites a person unprovoked or behaves aggressively. However, a dog is not considered vicious if the injury occurs due to trespassing, provocation, or abuse.
• Animal cruelty. Intentionally inflicting severe harm, prolonged pain, or death on an animal is a Class 6 felony. Neglecting an animal (such as depriving it of food, water, or shelter) is a Class 1 misdemeanor.
• Dog licensing and roaming. Local governments can require dogs to be licensed and impose restrictions on dogs running at large. Some counties may also tax unlicensed dogs.
• Animal facility interference. Damaging or entering an animal facility with the intent to harm animals or disrupt operations is a crime, with penalties ranging from misdemeanors to Class 4 felonies, depending on the extent of the damage.
• Pet trusts. South Dakota allows for the creation of trusts specifically for the care of pets, ensuring animals are provided for in the event of their owner’s passing.

Sioux Falls Pet Laws

Home to Falls Park and a growing pet-friendly community, Sioux Falls has regulations in place to ensure responsible pet ownership. Here are a few things pet owners should keep in mind:

• License required. All dogs and cats over six months old must be licensed within 30 days of ownership or reaching the required age. Owners must provide proof of rabies vaccination and pay a licensing fee.
• Animal at large. Pets must be leashed or under direct control at all times, except in designated off-leash areas. Community cats are exempt from impoundment for roaming.
• Restricted animals. The Chief of Police can classify an animal as "restricted" if it behaves aggressively or attacks. Owners must register restricted animals, follow control requirements, and post warning signs.
• Noises and disturbances. Pets must not create excessive noise that disturbs the peace. Officers may impound noisy animals if the owner cannot be located. Female dogs and cats in heat must be confined to prevent unwanted contact.

Rapid City Pet Laws

Known as the gateway to Mount Rushmore and the Black Hills, Rapid City has pet laws to protect animals and public safety. Here’s what pet parents in the city should know:

• Animal control enforcement. Animal Control Officers can investigate violations and enforce pet laws. Law enforcement officers may also act in this role when needed.
• Animals at large. Pets are considered "at large" if they're off their owner’s property without proper restraint by a responsible person.
• Dangerous animal regulations. Animals deemed dangerous by the city or county review boards may face restrictions or, in severe cases, euthanasia. Owners have the right to appeal.
• Neglect and mistreatment. It's illegal to mistreat, abandon, or neglect animals. Owners must provide food, water, shelter, sanitation, and proper care.

Aberdeen Pet Laws

Aberdeen has a few important animal laws to keep pets, their owners, and the community safe. Whether you're out for a stroll downtown or letting your dog burn off energy at a park, it's important to know what’s allowed. Here’s what you need to know to stay on the right side of the rules:

• Animal control enforcement. The city’s animal control officer and police officers enforce Aberdeen’s pet laws. It's unlawful to obstruct them in performing their duties.
• Animals at large. Pets must be confined to the owner’s property or restrained by a leash no longer than six feet. This rule does not apply in designated off-leash dog parks.
• Noise disturbances. Owners must prevent their pets from causing excessive noise, such as barking continuously for over 10 minutes or intermittently for 30 minutes within three hours. If the owner is absent or unable to stop the noise, animal control may take custody of the animal.
• Licensing required. Dogs and cats over six months old must be licensed with the city. Owners must submit an application, provide proof of rabies vaccination, and pay the required fee.

Common Pet Risks in South Dakota

South Dakota’s varied landscape and extreme weather create unique risks for pets. Understanding these challenges can help keep them safe year-round. Here are some key concerns pet owners should be aware of:

• Extreme weather conditions. South Dakota’s harsh winters bring freezing temperatures, snow, and ice, increasing the risk of frostbite and hypothermia, especially for short-haired breeds. In the summer, high heat and humidity can lead to dehydration and heatstroke. Ensuring pets have proper shelter, fresh water, and limited exposure to extreme temperatures is essential.
• Wildlife encounters. The state is home to wildlife like coyotes, skunks, and rattlesnakes, all of which can pose a threat to pets. Coyotes may target small pets, while skunks are the primary carriers of rabies in the state. Rattlesnake bites can be dangerous, requiring immediate veterinary care. Keeping pets supervised and avoiding known wildlife areas can help prevent encounters.
• Tick-borne diseases. South Dakota’s grassy fields and wooded areas are prime habitats for ticks, which can carry diseases like Lyme disease and Rocky Mountain spotted fever. Using tick prevention and checking pets after outdoor activities can help reduce the risk of infection.
• Intestinal parasites. Roundworms and hookworms are common in South Dakota, particularly in young pets. These parasites can cause digestive issues, weight loss, and weakness. Routine deworming and regular veterinary checkups are key to preventing infections.
• Severe storms. South Dakota is prone to thunderstorms, tornadoes, and flash flooding, all of which can create sudden emergencies for pets. High winds and heavy rain can cause stress or injuries, and flooding can expose pets to contaminated water. Having an emergency plan that includes pets is essential for their safety.
• Respiratory illnesses. Cases of canine respiratory illness have been reported in South Dakota, with symptoms ranging from coughing and sneezing to more severe complications like pneumonia. Dogs in kennels, shelters, or dog parks are at higher risk. Avoiding contact with sick animals and keeping up with vaccinations can help protect pets.

Best Pet Insurance by City in South Dakota

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 South Dakota:

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 South Dakota. 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 South Dakota 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