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Find the Best Pet Insurance in Madison, WI

If your cat gets cancer or your dog catches Lyme disease from a tick at Quann Park, you could be stuck with expensive veterinary bills. Pet insurance helps cover the cost of treating unexpected illnesses and injuries. Madison.com has partnered with ConsumerAffairs to create this guide by comparing reviews, policies and availability of more than 20 businesses and choosing five favorites from the top pet insurance companies in Madison.

Companies pay ConsumerAffairs to be authorized, and Madison.com and/or ConsumerAffairs may receive compensation when you click a link, call a number or fill out a form on this site.

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How does pet insurance work in Madison?

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With pet insurance, you pay the upfront costs out of pocket and then submit a claim for reimbursement. If your provider approves your claim, it pays you back for the covered costs of your vet visit.

Most pet insurance plans in Madison have annual deductibles between $100 and $1,000, reimbursement rates between 70% and 90%, and annual payout limits that are either between $3,000 and $30,000 or unlimited.

  • What pet insurance covers: Pet insurance covers unexpected injuries from accidents and illnesses. Some companies offer add-ons for preventive care services, such as annual exams and vaccinations.
  • What pet insurance won't cover: Standard pet insurance does not cover preventive care or preexisting conditions. It also doesn’t cover breeding or pregnancy costs, cosmetic procedures, or any illnesses or injuries resulting from negligence or cruelty.

Nearly all pet insurance plans have some kind of waiting period. For illnesses, it’s usually 14 days. Some companies have shorter waiting periods of one to two days for accidental injury coverage.

Sample pet insurance costs in Madison

We asked Spot Pet Insurance, Embrace Pet Insurance and ASPCA Pet Health Insurance how much it would cost to insure a 1-year-old, male Labrador retriever in Madison at the time of publishing:

  • Spot Pet Insurance quote: $48.01 per month for a policy with a $5,000 annual limit, a $250 deductible and an 80% reimbursement rate

  • Embrace Pet Insurance quote: $39.04 per month for a policy with an $8,000 annual limit, a $500 deductible and an 80% reimbursement rate

  • ASPCA Pet Health Insurance quote: $52.26 per month for a policy with a $5,000 annual limit, a $250 deductible and a 90% reimbursement rate

Madison pet insurance FAQ

How much is a vet visit in Madison?

A standard vet visit in Madison costs about $50, not including testing, medications, procedures or shots.

Do all Madison veterinarians accept pet insurance?

Your veterinarian doesn’t need to accept pet insurance because you pay them upfront. That means you can go to any vet you choose. After your visit, you submit a claim to your pet insurance carrier and it reimburses you.

What can I do if I can't afford a vet in Madison?

Reach out to WisCARES to see if you qualify for subsidized vet services. The Dane County Humane Society also provides discounted vet services. For more information, read about additional pet owner resources in Madison below.

Do any pet insurances cover preexisting conditions?

No, pet insurance providers do not cover preexisting conditions.

What are common preexisting conditions in cats?

Common preexisting conditions in cats are feline lower urinary tract disease, diabetes and polycystic kidney disease. Purebred cats tend to have the highest risk for these conditions.

Is pet insurance worth it?

Yes, pet insurance is worth it. Vet visits can be costly, especially if they are unexpected or your dog or cat breed is prone to certain genetic or hereditary conditions.

Additional Madison pet resources

A variety of resources are available for pet owners in Madison:

  • WisCARES is a community veterinary clinic for low-income and homeless families. It provides many services, including pet food and supplies, short-term boarding, long-term fostering, and subsidized vet services. WisCARES is located at 1402 Emil St., Madison, WI 53713.
  • Dane County Humane Society is a nonprofit organization that rescues, adopts and provides services for cats, dogs, exotic pets, farm animals and wild animals. It also offers training classes. Dane County Humane Society is located at 5132 Voges Road, Madison, WI 53718.
  • The Petinary is a veterinary clinic that provides preventive care such as vaccines, dental cleanings and exams, as well as spaying and neutering. The Petinary is located at 1014 Williamson St., Madison, WI 53703.
  • Shelter From the Storm Animal Rescue is an animal rescue for all dog and cat breeds. It operates the Spay Me Clinic, which offers low-cost spay and neuter services. Shelter From the Storm Animal Rescue is located at 1602 Blossom Lane, Madison, WI 53716.
  • Madison Cat Project is an adoption organization that finds homes for cats that might be euthanized at other shelters because of medical, behavioral or other issues. Madison Cat Project offers a monthly spay and neuter clinic. It is located at 627 Post Road, Madison, WI 53713.
  • UW Veterinary Care is a full-service veterinary clinic for dogs, cats, exotic pets, horses and livestock in Madison. UV Veterinary Care offers 24-hour emergency services. It’s located at 2015 Linden Drive, Madison, WI 53706.

Madison pet insurance company information

ASPCA Pet Health Insurance

ASPCA Pet Health Insurance provides pet insurance for cats and dogs older than 8 weeks. Policies have annual deductibles between $100 and $500. Reimbursement rates are 70%, 80% or 90%, and annual payout limits are either unlimited or cap between $3,000 and $10,000. Plans cover accidents, illnesses, hospitalization, surgeries, cancer treatment, behavioral issues and hereditary and congenital conditions. Policies do not cover preexisting conditions, cosmetic procedures, breeding, pregnancy or organ transplants.

ASPCA Pet Health Insurance

Embrace Pet Insurance

Embrace Pet Insurance offers coverage for dogs and cats up to 14 years old. Plans have annual deductibles from $200 to $1,000, reimbursement rates of 70% to 90% and annual payout limits that are between $5,000 and $30,000 or unlimited. Coverage includes hospitalization, medications, hereditary and congenital conditions, exam fees, dental illnesses, behavioral therapy, cancer treatment and prosthetic devices. Embrace Pet Insurance policies do not cover preexisting conditions, DNA testing, cosmetic procedures, breeding or pregnancy. Add-on coverage is available for preventive care.

Embrace Pet Insurance

FIGO Pet Insurance

FIGO pet insurance plans provide coverage for dogs and cats of all ages. Plans have reimbursement rates ranging from 70% to 100% and annual deductibles between $100 and $750. Annual payouts are either unlimited or cap at $5,000 or $10,000. Plans cover prescriptions, emergency services, surgeries, imaging, cancer treatments and hereditary and congenital conditions. Plans do not cover breeding, pregnancy, preventive care, preexisting conditions, cosmetic procedures or experimental procedures.

FIGO Pet Insurance Learn More

Spot Pet Insurance

Spot Pet Insurance offers accident-only coverage and comprehensive plans for dogs and cats older than 8 weeks. Depending on your plan, reimbursement rates range from 70% to 90%, annual deductibles are between $100 and $500, and annual payout limits are either $5,000 to $20,000 or unlimited. Coverage options include behavioral issues, dental disease, hereditary and congenital conditions, illnesses and annual exams. Preexisting conditions, cosmetic procedures, breeding costs and preventive care are excluded.

Spot Pet Insurance Learn More


Pet insurance from Bivvy covers cats and dogs of all ages. Plans have $100 annual deductibles, with a 50% reimbursement rate and an annual payout limit of $2,000. Bivvy pet insurance coverage includes cancer, imaging, hereditary and congenital conditions, diagnostic tests, hospitalization, surgeries, orthodontic treatment, emergency care, and medications. Coverage does not include preexisting conditions, preventive care or cosmetic procedures.