Pet Insurance in Indiana
Any pet insurance Indiana residents buy is governed by general state insurance rules, not by a law written just for pets.
- Coverage law: No pet-specific statute exists.
- Regulator: Indiana Department of Insurance.
- For complaints, File a complaint.
Reference documents: NAIC Pet Insurance Model Act (#633) chart of state pages, Indiana Department of Insurance home page, Indiana Department of Insurance: file a complaint, NAIC white paper: Pet Insurance (publication-pin-op-pet-insurance)
General property and casualty insurance rules govern pet coverage under state law. A total of 7.6 million pets are insured by North American pet owners, based on national industry reports. In the United States, 4.27% of all pets have coverage. The rate is 5.99% for dogs and 2.29% for cats.
Companies selling policies to local pet owners are overseen by the Indiana Department of Insurance. For dogs, national cost summaries show an average national price of $190 yearly or $16 monthly for accident-only plans. Cats have average accident-only coverage costs of $112 a year or $9 a month nationwide.
Indiana pet insurance laws
General property and casualty law governs these policies because this state has no pet-insurance-specific statute; the coverage is reported as inland marine coverage. The National Association of Insurance Commissioners model act records show no current activity in the state.
State law doesn't require pet-specific terms, so the policy contract sets the rules for your plan. Before buying, review a sample policy to learn how it applies these rules:
- Waiting period: Coverage starts paying for care after the number of days specified following your policy purchase.
- Free-look period: Right after purchase, you can cancel during a short period and receive a complete refund.
- Pre-existing condition rules: An illness or injury qualifies as pre-existing when the pet showed signs of it before coverage began.
Companies selling pet insurance in Indiana
Major insurers publishing availability throughout all 50 states include:
- Nationwide offers plans in Washington, D.C. and throughout every state.
- ASPCA Pet Health Insurance and Embrace both provide coverage nationwide.
- Trupanion also operates in Puerto Rico and Washington, D.C. (not every person in every state may have access to all products and discounts).
- AKC Pet Insurance offers plans throughout the country (though some features aren't available everywhere).
- Banfield offers plans that any Banfield Pet Hospital nationwide accepts.
Dogs have an average nationwide accident and illness premium of $836 yearly or $70 monthly, based on industry cost reports. Cat coverage with the same benefits averages $435 yearly, or $36 monthly. The figures reflect the country, not Indiana. The state's share of insured pets has not been published. Any quote for pet insurance in Indiana depends on your pet's ZIP code, species, age, and breed.
Filing a pet insurance complaint in Indiana
When an insurer dispute involves a policy or claim, carriers in the state are regulated by the Indiana Department of Insurance. Using the agency's consumer services complaints page, you can file a formal complaint online.
Request a price quote for your pet
We do not sell insurance, provide quotes, or bind coverage; your request goes to an insurance agency.