Pet Insurance in Nevada
To choose pet insurance Nevada families can rely on, read the policy contract closely. Nevada has no statute focused only on this type of coverage.
- Pet insurance law: No statute is specific to pets.
- Regulator: Nevada Division of Insurance.
- To make a complaint: File a complaint.
Information comes from these sources: Nevada Division of Insurance home page, Nevada Division of Insurance: file a complaint, NAIC Pet Insurance Model Act state chart for #633, and NAIC white paper on Pet Insurance (publication-pin-op-pet-insurance)
Since Nevada has no state pet law, the policy contract determines when coverage starts and which things are excluded. Companies selling policies within the state are regulated by the Nevada Division of Insurance.
North American industry figures show that 4.27% of pets have coverage nationally, including insured dogs at 5.99% and insured cats at 2.29%. Owners across North America insure 7.6 million pets in total. Companies operating in all 50 states offer plans here.
Nevada pet insurance laws
A dedicated pet insurance law hasn't been adopted by state lawmakers. There is no current action on new bills in the NAIC model law report. General property and casualty insurance law in the state applies to these policies, and they are reported as inland marine coverage.
Each insurer creates its own contract rules because no state statute sets standard terms. Before buying, review the sample policy. Check the waiting period, meaning how many days pass after enrollment before your plan begins paying for care. Also look for the free-look period, which allows you a short time to cancel a new policy and receive a full refund. Read how the plan treats pre-existing conditions, which are illnesses or injuries your pet had before coverage began.
Nevada pet insurance companies
Providers publishing availability across all 50 states include these national companies:
- Nationwide offers coverage across the 50 states and Washington, D.C.
- The 50 states all have plans available from Spot.
- Plans from ASPCA Pet Health Insurance are available in all 50 states.
- Embrace, offered throughout all 50 states.
- Trupanion offers coverage in Washington, D.C., Puerto Rico, and all 50 states (discounts and products may not be available to every person in every state).
- AKC Pet Insurance, offered throughout all 50 states (some features aren't offered in every state).
The share of insured pets in Nevada and official state price averages remain unpublished. Nationally, dogs average a premium for accident and illness coverage of $836 each year, or $70 monthly. Cats average $435 each year nationally, or $36 monthly. These figures apply nationwide rather than to Nevada, and a quote for your pet depends on its species, age, breed, and ZIP code.
Filing a pet insurance complaint in Nevada
If your insurer doesn't resolve a claim or billing dispute, you can request help from the state regulator. Written messages with the insurer, your policy contract, and vet bills should be gathered. The Nevada Division of Insurance complaint page lets you submit your report online. For general regulatory information, go to the main Nevada Division of Insurance website.
Request prices for coverage for your pet
We do not sell insurance, quote coverage, or bind policies; your request goes to an insurance agency.