Best Pet Insurance in Nevada (2026)
Figo, Pets Best, and Lemonade offer the top insurance policies for Nevada pet owners.
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Written byLindsay VanSomeren
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Lindsay VanSomerenInsurance and Personal Finance Writer
8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
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Edited byBecky Helzer
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Becky HelzerEditor
Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
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Table of contents
Nevada is a diverse state. Whether you’re hiking with your dog in Red Rock Canyon or cuddling up with your cat in Reno, one thing’s certain: The right pet insurance can give you the peace of mind that you’ll be able to take care of unexpected vet bills for most of your pet’s health issues.
Pet insurance in Nevada costs an average of $21 per month for cats and $40 per month for dogs. But the cost of a pet insurance policy depends on many factors, including your ZIP code, your pet’s age, and more.
Here’s what you should know about finding pet insurance in the Silver State.
Quick Facts
Nevada is home to six different types of venomous snakes, but most types of pet insurance plans generally cover treatment for snake bites.[1]
Most insurers offer three policy options: accident and illness, accident only, and optional wellness coverage.
Nevada pet health insurance costs slightly less than the national monthly averages of $23 per month for cats and $43 per month for dogs.
Compare the best pet insurance companies in Nevada
It can be overwhelming to shop for policies if you’re a Nevada pet owner since you have so many options for pet health insurance. To help you get started in your search, you can see the best pet insurance companies that don’t skimp on quality service below.
 |  |  |
|---|---|---|
Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–100% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 60%–90% |
Payout limits The maximum amount your provider will pay for covered events. $5,000–Unlimited | Payout limits The maximum amount your provider will pay for covered events. $5,000–Unlimited | Payout limits The maximum amount your provider will pay for covered events. $5,000–$100,000 |
Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$750 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $50–$1,000 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$750 |
Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. |
Data in this table has been sourced from Insurify users who received a pet insurance quote from our partner Fletch.
Figo: Best for cat owners
cat ownersFigo
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Cats can live a long time, and some insurers will drop older pets right when they need veterinary care the most. Figo doesn’t do that, though, making it a good option for cat owners — especially given its low price tag. And if you’re one of the many thousands of military members currently stationed in Nevada, you could qualify for an extra discount.[2]
Pros
No maximum pet age limit
Offers pre-existing condition review at policy start
5% discount for military and multi-pet households
Cons
More expensive for dogs
Lackluster reviews from customers
Doesn’t offer accident-only policies
Pets Best: Best for dog owners
dog ownersPets Best
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Pets Best offers the lowest rate on dog insurance. It also offers a wide range of plan choices that allow you better control over your pet insurance costs. Many insurers will extend coverage to pre-existing conditions if your pet is healthy for a while, but Pets Best doesn’t — something to keep in mind if your pet has had medical issues in the past.
Pros
Good reviews from customers
Many ways to create a tailored plan
Can send payment directly to your vet
Cons
Strict exclusions for all pre-existing conditions
Amount of coverage options can be overwhelming
$5 fee for monthly, quarterly, or semi-annual payments
Lemonade: Best for customizable plans
customizable plansLemonade
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You won’t have any problem finding the right coverage options with Lemonade pet insurance — in fact, if anything, you’ll have more decisions to make. You can dial in your price and coverages exactly where you need them based on your pet’s needs. But it’s more of a journey to get a quote than with most other pet insurers.
Pros
More flexible plans
Highly rated mobile app
Lots of discounts
Cons
Doesn’t offer unlimited coverage
Exclusions for bilateral conditions
Analysis paralysis with policy choices
To choose the best pet companies in Nevada, we researched top pet insurers and compared their coverage options, deductible options, types of pets covered, waiting periods, claims processing, and customer reviews.
For each quote, we used a Nevada address. For the sample quotes for dogs, we used a profile of a 2-year-old mixed-breed, medium-sized male dog. For cats, we used a profile of a 2-year-old American shorthair female cat. Quotes for both species were for accident and illness coverage with 80% reimbursement, a $500 deductible, and $5,000 or more in annual coverage.
Cheapest pet insurance companies in Nevada
Pet insurance in Nevada typically costs $21 per month for cats and $40 per month for dogs. This is cheaper than the national average.
Your exact costs may be different depending on your pet’s breed, species, age, and more.
The below national rates are estimated rates current as of: Tuesday, February 17 at 11:00 AM PST.
Insurance Company  | Monthly Price |
|---|---|
| Lemonade | $25 |
| Spot | $25 |
| ASPCA | $30 |
| Pets Best | $40 |
| Healthy Paws | $47 |
| Prudent Pet | $50 |
| Figo | $62 |
| Pumpkin | $62 |
Disclaimer: Table data sourced from real-time quotes from Insurify’s 8-plus partner insurance providers, sourced through Fletch Insurance Services. Actual quotes may vary based on the policy buyer’s unique pet profile.
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Why pet insurance is important if you live in Nevada
Nevada’s dry climate spares pets from diseases common in many other states, including mosquito- and tick-borne diseases. But Nevada pet owners face other challenges:
Pools: Pet pool safety is just as important as kid pool safety when you’re cooling off from the summer heat, especially for many breeds that can’t swim well, like bulldogs.
Snakes: Rattlesnakes are common in Nevada, even in urban areas. It’s possible to train dogs to avoid rattlesnakes, but if a snake bites your dog, it’ll need lifesaving vet help right away.
Giardia: This gut-wrenching disease is common in Nevada. Pets easily get this parasite from the environment and can pass it on to their owners.[3]
Heatstroke: This is an ever-present danger in Nevada due to how high and how quickly the temperature can rise. Immediate treatment can save your pet’s life but can be costly.
Nevada pet regulations and laws
Nevada pet owners are subject to multiple rules that may vary depending on where you live within the state. It’s best to check with your county and local government.
Here’s an example of what to look for:
Licensing: Your city may require you to register any cats and dogs you own. You may also need to microchip or keep a tag on your pet.
Spay/neuter requirements: Dogs and cats older than 4 months must be spayed or neutered if you live in some areas, like Henderson and Las Vegas.
Rabies vaccinations: All Nevada cats and dogs must stay current on rabies vaccinations.
Household pet limits: Pet owners in some areas, like Clark County, can’t keep more than three cats and dogs.[4]
Cost of pet insurance for top breeds in Nevada
Many factors affect the cost of pet insurance, including your pet’s breed. Certain purebred dog and cat breeds are prone to hereditary health issues that can increase the cost of your pet insurance.
For instance, larger dogs, like German shepherds and Rottweilers, are prone to hip dysplasia.
In cats, whether purebred or mixed breed, the most common genetic disorder is feline lower urinary tract disease.[5]
The table below shows the top cat and dog breeds and their average pet insurance rates in Nevada.
Dog Breed | Average Monthly Cost |
|---|---|
| Chihuahua | $40 |
| German shepherd | $52 |
| Shih Tzu | $38 |
| Yorkshire terrier | $39 |
Cat Breed | Average Monthly Cost |
|---|---|
| Maine coon | $34 |
| Russian blue | $13 |
| Siamese | $17 |
Types of pet insurance coverage
Each pet insurance company is different and offers a range of coverage options. The particular details vary by insurer, but you’ll find three broad types of pet insurance plans from most companies.
Accident and illness plan
The pet insurance plan that most insurers offer is an accident and illness plan. It’s the most popular option because it’s the best way to cover your pet against the widest range of medical conditions and injuries, including:
Broken bones and other accidental injuries
Cancer treatments and surgeries
Canine parvovirus and other illnesses
Diagnostic tests for covered conditions
Glaucoma and other eye conditions
Pet insurance companies typically don’t cover pre-existing conditions, though some insurers will after a certain amount of time has passed. Orthopedic conditions like hip dysplasia sometimes have longer waiting periods than others.
Accident-only plan
If you still want to help your pet but don’t want to pay as much for coverage, many insurers offer an accident-only policy that covers medical emergencies but not illnesses. It’s usually cheaper than an accident and illness plan.
Here are a few examples of emergency treatments this type of plan will pay for:
Car accidents
Dog park injuries
Hospitalization
Intestinal blockages
Poisoning
Snakebites
Insurify Tip
Look for an insurer that offers a 24/7 live pet health advice phone line if cost is your primary concern. If you’re able to call a licensed vet to see whether it’s worth taking your pet to the ER, you can save a lot of money.
Wellness plan
If you’re looking for the most comprehensive coverage, many insurers offer an optional wellness plan that you can add to your primary policy for an additional cost.
For example, a Lemonade pet insurance policy with a Preventative Care package covers the following items:
Annual wellness exam and other routine care
FeLV/FIV testing
Parasite testing
Routine blood work
Vaccinations (up to three)
Lemonade also offers a higher-level Preventative+ Package that covers parasite prevention medications and routine dental cleanings.
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How to find the best pet insurance in Nevada
It’s very easy to buy a pet insurance policy for your pet. But it’s a good idea to do some research first to make sure you enroll your pet in the right plan.
1. Start with your pet’s needs
Consider whether your pet has any pre-existing conditions that insurers exclude from coverage. And think about what specific health risks might crop up in the future so you can find policies that better protect against those risks.
2. Consider your finances
Review your budget to see what you can afford for monthly premiums. This is also a good time to look at your savings and see what you can afford for deductible options and reimbursement rates.
3. Compare quotes and coverages
Try to get insurance quotes from at least three different insurance companies. Since you’ve already figured out what deductibles, reimbursement rates, and coverage limits you can afford, this step should be pretty easy.
4. Comb through the policy documents
The fine print is where you’ll really find out if it’s the best pet insurance option for you. Pay close attention to what it excludes, the definitions it uses for various insurance terms, and other conditions to make sure you’re covered.
Nevada pet insurance FAQs
Buying pet insurance is one of the best things you can do to ensure your furry friend lives a long and happy life. The following answers to frequently asked questions can provide additional information.
Is pet insurance more expensive in Nevada?
Not really. The average Nevada resident pays lower rates for pet insurance than people in other states. Nevada cat owners pay an average monthly premium of $21, compared to $23 nationwide. Nevada dog owners pay $40 per month, compared to $43 across the U.S.
What is the average cost of pet insurance in Nevada?
The average monthly cost of pet insurance in Nevada is $21 for cats and $40 for dogs. That’s cheaper than in the rest of the U.S. combined, but it’s still possible to find even more affordable rates by comparing quotes from several insurers.
Does pet insurance cover pre-existing conditions in Nevada?
Generally, no. Most insurers deny coverage for pre-existing conditions based on a review of your pet’s vet records when you submit a claim. Some companies will cover those conditions if enough time passes without your pet exhibiting any symptoms — an important consideration if your pet has faced health issues in the past.
Is pet insurance worth it in Nevada?
Yes. Pet insurance is worth it. It’s often affordable, and it helps pet parents cover unexpected vet bills and emergency vet visits. Consider your pet’s health and your budget when deciding whether pet insurance is a worthwhile expense for you.
Methodology
Insurify data scientists analyzed more than 250,000 pet insurance quotes from our proprietary database — sourced by Fletch Insurance Services LLC (“Fletch”) — to determine the premium prices displayed on this page. These quotes come directly from Insurify’s 10+ partner insurance companies across all 50 states and Washington, D.C., reflecting monthly pet insurance costs for both dogs and cats.
Unless otherwise specified, premium prices represent one-year rolling medians to account for market volatility driven by factors such as rising veterinary care costs and increased pet ownership.
Breed-level prices incorporate both mixed and purebred pets. To ensure reliability, a minimum of eight quotes is required for dogs and four quotes for cats. Breeds with significant price deviations from the average are noted explicitly; other breeds are estimated based on average costs for all purebred pets.
Pets are grouped into three age brackets:
- Young: under 12 months
- Adult: 12 months to 7 years
- Senior: over 7 years
Coverage Limits
Dog premium averages reflect policies with annual coverage limits of $2,500, $5,000, $10,000, or unlimited.
Cat premium averages reflect policies with annual coverage limits of $2,500, $5,000, $7,000, $10,000, or unlimited.
For both dogs and cats, monthly premiums are segmented by:
- Deductible options: $250, $500, $1,000
- Reimbursement options: 70%, 80%, 90%
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Sources
- Nevada Department of Wildlife. "Living with Rattlesnakes."
- Military State Policy Source. "Nevada."
- Cornell Richard P. Riney Canine Health Center. "Giardia: Infection, treatment and prevention."
- Clark County Nevada. "FAQs."
- American Veterinary Medical Association. "Feline lower urinary tract disease (FLUTD)."
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Lindsay VanSomerenInsurance and Personal Finance Writer
Lindsay VanSomeren is a freelance personal finance writer living in Suquamish, WA. Her work has appeared with FICO, Credit Karma, The Balance, and more. She enjoys helping people learn how to manage their money better so they can live the life they want.
Since becoming an Insurify contributor in October 2022, Lindsay has written hundreds of articles to help Insurify readers better understand the complex world of insurance.
Becky HelzerEditor
Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
