Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Nov 17, 2020

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The land of 10,000 lakes is home to many well-loved pets. This means that many pet parents will go to great lengths in order to keep their pets well.

If something bad happens to your pet, you may be faced with an enormous bill to make them better again. This makes it difficult to take care of them no matter how much you want to.

On average, Minnesotans will spend $1,200 each year on veterinary bills. That can grow if your pet has an accident or develops an illness.

Pet insurance is the best way to protect yourself financially and still get the best medical care for your pet.

If you are interested in the best pet insurance in Minnesota, check out our article below to learn more.

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FACT: Pet insurance pays up to 90% of vet bills when your pet is sick or injured!

Best Pet Insurance in Minnesota

These are four of the best pet insurance companies in MN:

Healthy Paws

healthy paws pet insurance logo

Healthy Paws is a popular choice for pet insurance in Minnesota. They only offer one policy to their customers that covers accidents, illnesses, and injuries.

However, they allow the policy to be customized through the deductible and reimbursement rate. This allows you to tailor the policy to meet your specific financial needs.

One thing that Healthy Paws does not offer is wellness coverage. Wellness coverage assists with costs of routine visits, vaccines, spay/neuter procedures, and more. If you are interested in including this in your coverage, you will need to go with another pet insurance companies.

Policies are issued to pets between eight weeks to 14 years. Healthy Paws covers many conditions and treatments that most pet insurance companies won’t cover, including hip dysplasia.

If you are shopping for pet insurance on a budget, Healthy Paws may be a good option for you. Their policy premiums are below the national average, and they boast a convenient claims process. Overall, Healthy Paws can help those that need simplicity with their insurance policy.

  • Monthly premiums from $32.82 for dogs and $17.19 for cats
  • Coverage from 70% to 90%
  • Unlimited annual payout limits
  • Deductibles range from $100 to $500

Learn More: Read our full Healthy Paws review

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Pets Best

Petsbest pet insurance logo

Pets Best is a pet insurance company that was founded by Dr. Jack Stephens in 2005. He was moved by pet owners having to put their pets down because they couldn’t afford medical bills. All of their policies are underwritten by American Pet Insurance Company, which is known as a reliable insurer in the industry.

Pets Best offers three levels of coverage: Essential, Plus, and Elite. Essential is the base level policy that covers accidents, illnesses, prescription medications, lab tests, MRIs, CAT scans, X-rays, cancer treatment, and hereditary and congenital conditions. It does not cover pre-existing conditions and preventative care.

Plus offers the same coverage as Essential, but it also covers accident and illness exam fees. Like Essential, this plan allows you to add wellness coverage that can assist with routine expenses and vaccinations.

Related: 10 Things You Must Know Before You Buy Pet Insurance

Elite is the top-tier plan offered by Pets Best. It includes everything offered by the Plus plan as well as rehabilitative, chiropractic, and acupuncture care. This is the best policy for pet owners that believe in alternative treatments as well as standard medical care.

There is no age limit for insuring your pets and no hereditary condition limitations. Pets Best also offers one of the shortest waiting periods in the industry. Policyholders only have to wait three days before accident coverage kicks in. You must wait a standard 14 days for illness and other related conditions.

  • Monthly premiums from $30.06 for dogs and $16.52 for cats
  • Coverage from 70% to 90%
  • Annual payout limits from $5,000 to unlimited
  • Deductibles from $50 to $1,000

Learn More: Read our full Pets Best review

Fetch Rates with Pets Best



Founded in 2003, Embrace is among the most affordable pet insurance companies in the country. They are known for offering quality insurance accident and illness policies for cats and dogs.

Their standard policy covers various treatments that are not typically covered by insurance companies, such as behavior therapy and prosthetic limbs. Policyholders can add wellness coverage to cover more routine expenses.

Embrace also offers a Healthy Pet Deductible to reward customers that don’t file claims. The Healthy Pet Deductible reduces your deductible by $50 each year that you go without filing a claim.

Embrace does not operate with a veterinary network, which allows you to take your pet to any vet you like. This is also helpful if you are away from home and have an accident with your pet. As long as the vet is licensed, Embrace will reimburse your bill.

Finally, Embrace has a mobile app for iOS and Android devices to help manage your coverage on the go. Policyholders can manage their policies and submit claims through the app.

  • Monthly premiums from $13.04 for dogs and $8.98 for cats
  • Coverage from 65% to 90%
  • Annual payout limits from $500 to $15,000
  • Deductibles range from $100 to $1,000

Learn More: Read our full Embrace pet insurance review

Fetch Rates with Embrace


trupanion pet insurance logo

Trupanion is one of the best pet insurance companies in Minnesota due to their extensive coverage and flexible deductibles. Much like Pets Best, Trupanion’s policies are all underwritten by American Pet Insurance Company, which means that you don’t have to worry about their ability to pay claims.

Coverage for cats and dogs starts at eight weeks and stops at 14 years old. Like other companies that we’ve covered, Trupanion policyholders have the option to add coverage for routine care and alternative therapies.

A particularly unique feature of Trupanion is that they offer direct billing to participating veterinarians. Most pet insurance companies will make you pay for the vet bill upfront and reimburse you on the back half.

This means that you need to have funds or credit available to cover a large bill anyways. Trupanion’s direct billing system will pay for their portion of the bill upfront so that you only have to cover your copay. This makes pet insurance more convenient and effective at protecting your finances.

  • Monthly premiums from $59.21 for dogs and $32.41 for cats
  • Coverage at 90%
  • Unlimited annual payout limits
  • Deductibles from $0 to $1,000

Learn More: Read our full Trupanion review

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Sample Pet Insurance Rates in Minnesota

Rates for pet insurance are determined by several different factors. In addition to the breed and age of your pet, your zip code can have a substantial impact on your rate.

Here are some sample rates for a three-year old mixed breed dog in different Minnesotan cities.

  • Minneapolis: $44.03
  • Duluth: $58.39
  • Shakopee: $53.82
  • Anoka: $48.92
  • Winona: $44.03

Shopping for Pet Insurance in Minnesota

Shopping for pet insurance is just like shopping for any type of insurance. It is crucial that you shop around and find the best policy for your pet and your financial needs.

Be sure to check your rate with each company to make sure that you are getting the best policy for your wallet and your pet’s needs.

Pet insurance is what we do best, and we are committed to helping you find the best policy.

For additional information on pet insurance, be sure to check out some of our popular articles to learn more.


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Finding the best pet insurance companies can be challenging, especially, if you are looking for an emergency vet near you. Here’s a list of the best pet insurance companies in your State


New Hampshire, Arizona, Florida, Illinois, Texas, California, Massachusetts, New Jersey, Washington, Seattle, Iowa, Oregon, Minnesota, Utah, Idaho, Hawaii, New York City, North Carolina, Maine, Rhode Island, Ohio, Connecticut, Pennsylvania