Best Pet Insurance in Wyoming (2026)

A pet insurance policy in Wyoming can help you pay for veterinary care if your dog or cat has an accident or develops an illness. Though you’ll have to pay a monthly premium for pet insurance, having coverage can save you money in the event of an unexpected accident or injury that requires emergency veterinary care.

The average cost of pet insurance in Wyoming is $18 per month for cat insurance and $43 per month for dog insurance, according to Insurify data.

Here’s what you need to know about finding the right pet insurance policy for your beloved furry companion in Wyoming.

Compare the best pet insurance companies in Wyoming

The best pet insurance company in Wyoming will depend on where you live and your pet’s specific needs and circumstances. But Figo, Pets Best, and ASPCA are three of the best insurers in Wyoming. All three companies have quality coverage options that cost less than both the state and national averages.

Find out more about Figo, Pets Best, and ASPCA below.

Compare quotesCompare	Compare quotesCompare	Compare quotesCompare
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. 70%–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. $2,500–Unlimited
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–$500
Curable pre-existing conditions Pre-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. Covered	Curable pre-existing conditions Pre-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. Covered	Curable pre-existing conditions Pre-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. Covered

Data in this table has been sourced from Insurify users who received a pet insurance quote from our partner Fletch.

Figo: Best for fast claim payments

Pets Best: Best for breeds with common hereditary conditions

ASPCA: Best for multiple pets

Cheapest pet insurance companies in Wyoming

Pet insurance in Wyoming is cheaper than the national average for cat insurance but similar to the national average for dog insurance. Wyoming pet owners pay an average of $43 per month to insure a dog and $18 per month to insure a cat.

Nationally, the average cost of pet insurance for a dog is $43 per month, and the average cost for a cat is  $23 per month.

The below national rates are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Monthly Price
Spot	$28
ASPCA	$28
Figo	$32
Pets Best	$44
Prudent Pet	$60
Pumpkin	$61
Healthy Paws	$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.

Why pet insurance is important if you live in Wyoming

It’s a good idea to have pet insurance to help you cover unexpected veterinary care costs, regardless of where you live. Wyoming has some specific hazards that can potentially harm your dog or cat.

The following state-specific hazards are why pet insurance is so important in Wyoming:

• Canine parvovirus: This highly contagious and often fatal virus can cause gastrointestinal illness — especially in puppies — although vaccination can protect your dog.^[3] Metro Animal Services in Casper, Wyoming, reported multiple cases of parvo in 2024. The right wellness policy can help you afford vaccination against parvo.

• Winter weather: Wyoming’s subzero temperatures can harm your pets, even during a short jaunt outside. Not only do Wyoming winters put animals at risk of hypothermia and dehydration, but walking on ice or ice-melt products can also cause cracked paws or eczema.

• Wild animals: Although Wyoming only has two different types of venomous snakes, the state has plenty of species other than snakes that could pose a threat to your furry friend. If your pet has a run-in with a wild animal in a rural area, a pet insurance plan can help you pay for an emergency vet visit.

Wyoming pet regulations and laws

The Equality State has several pet-related laws. Here’s what cat and dog owners need to know about Wyoming statutes:

• Cruelty to animals: Wyoming considers cruelty to animals a misdemeanor that carries up to six months of jail time and a fine of up to $750 for a first offense, although felony cruelty to animals carries a jail sentence of up to two years and a fine of up to $5,000.

• Domestic violence protection orders: This statute gives peace of mind to anyone escaping an abusive home. Under the law, the person petitioning for an order of protection will receive possession of the pet.

• Rabies vaccinations: Cats and dogs older than 3 months must have a valid rabies vaccination certificate.

Cost of pet insurance for top breeds in Wyoming

The breed of your dog or cat can affect how much you pay for a pet insurance policy. Purebred dogs are prone to certain genetic issues, which can increase your pet insurance costs. Pet insurance for a mixed-breed animal may cost less since they’re prone to fewer genetic health issues.

Younger pets are generally cheaper to insure than older pets because they’re less likely to have health problems.

The table below shows average pet insurance costs for some popular dog and cat breeds.

Types of pet insurance coverage

Pet parents have several options when choosing pet health insurance coverage. The most common plans offer either accident-only coverage or accident and illness coverage, although most pet health insurance plans also offer wellness coverage that can help you pay for routine medical care.

Before making a decision about a pet insurance policy, consider your pet’s specific needs — including important factors like pet age, medical conditions, and injuries that are common for the breed — and any other specific health risks facing your four-footed companion.

Here’s a breakdown of what each of these types of pet insurance cover.

Accident and illness plan

Whether your pet has an illness or injury, an accident and illness plan can help you afford the vet visits to help it get better. This kind of coverage has higher premiums than accident-only insurance, but the additional coverage can make it easier for you to afford unexpected medical bills for your pet.

Here’s what an accident and illness plan covers:

Accident and illness plans don’t cover dental exams, pre-existing conditions, routine care, or vaccinations.

Accident-only plan

If you purchase an accident-only insurance plan, you’ll save money on your premiums, but the insurance will only cover the cost of emergency care and ongoing care after an accident. It’s a good idea to understand exactly what an accident-only plan covers so you can make the best financial decision.

Wellness plan

If you’d like to have coverage for preventive care and routine vet visits, you may choose to add wellness coverage to your base insurance plan. You’ll likely have to pay a small additional cost for this rider.

Here’s what a wellness plan covers:

• Blood testing and analysis

• Checkups

• Dental exams

• Flea, tick, and heartworm medications

• Microchipping

• Spay or neuter surgery

• Urine testing and analysis

• Vaccinations

Wellness plans don’t cover accidents, illnesses, or pre-existing conditions.

How to find the best pet insurance in Wyoming

Pet insurance is one of the most important investments you can make in your pet’s health. To find the right policy for your specific needs, follow these steps:

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  1. Assess your financial needs

  If you have a robust emergency fund, you may not need comprehensive pet insurance. Calculate how much coverage you need based on your current financial situation.

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  2. Think about what your pet needs

  Depending on your pet’s breed, age (younger pets qualify for cheaper monthly premiums), pre-existing conditions, and health concerns, you might need more or less coverage.

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  3. Read customer reviews

  You can learn about an insurance company’s customer service and claims processing through reviews and testimonials.

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  4. Shop around

  Comparing quotes among multiple insurance companies is the best way to find the right coverage at an affordable price. But don’t just compare numbers. Make sure you also compare how each company handles coverage options, deductibles, annual coverage limits, reimbursement rates, upper age limits, and any exclusions the insurer puts on common breed-specific conditions like hip dysplasia.

Wyoming pet insurance FAQs