Minnesota Pet Insurance
Got a Malamute in Minneapolis, or a Dalmatian in Duluth? Cover your pet with Lemonade pet insurance in Minnesota—the smart choice to keep your fur baby happy and healthy in the North Star State.
How much does pet insurance cost in Minnesota?
Here’s a look at average rates for popular dog and cat breeds in the US:
| City | Average monthly base premium* |
|---|---|
| Labrador Retriever | $92 |
| Pug Purebred | $97 |
| Domestic Longhair | $35 |
| Persian | $45 |
Is pet insurance worth it in Minnesota?
What does a Lemonade pet insurance
policy in Minnesota cover?
eligible accidents and illnesses.
Here are some common types of care that Lemonade pet insurance covers in Minnesota:
- Bloodwork
- X-rays
- MRI
- CT Scan
- Lab Work
- Urinalysis
- Ultrasounds
- Cancer
- Emergency Care
- Surgery
- Heart Disease
- Hospitalization
- Road Accidents
- Outpatient Care
- Allergy Medicine
- Specialty Care
- Injections
- Prescription Medications
- Arthritis Medications
- Knee, Elbow, and Hip Dysplasia
Pet parents love Lemonade
What pet insurance plans does
Lemonade offer in Minnesota?
Wellness exam
Annual physical checkup for your pet
Vaccines
Up to 3 vaccines such as Rabies, DHLPP, and Bordetella
Heartworm test
Annual screening of heartworm infestation
Fecal or internal parasite test
Annual parasite evaluation test
Routine dental cleaning
Including dental x-rays, anesthesia, polishing, and more
Preventative medication
Protection for your pet against fleas, ticks, and heartworm
What additional coverage does
Lemonade offer in Minnesota?
Visit fees
Helps cover the extra fee vets charge for their time and labor, separate from the actual cost of the treatment.
Read morePhysical therapy
Helps cover things like acupuncture and hydrotherapy related to functionality issues due to an unexpected illness or accident.
Read moreDental illness
Helps cover the cost of treatments related to eligible dental illness—including crowns, extractions, root canals, dental surgeries, and antibiotics.
Read moreBehavioral conditions
Helps cover the costs of diagnostics, treatments, and therapies related to eligible behavioral conditions—like therapy sessions, prescription medications, and specialized training.
Read moreEnd-of-life and remembrance
Helps cover the costs related to vet-recommended euthanasia, cremation, or commemorative items—like an urn, framed pictures, digital photo storage, or even a tattoo—even if the pet’s death is not related to an eligible condition.
Read moreHow much pet insurance do I need in Minnesota?
Check out the estimated costs of some common vet services for cats and dogs in Minnesota:
Estimated vet services costs for dogs across Minnesota
| Vet Service | Bloomington | Minneapolis | Rochester | St. Paul |
|---|---|---|---|---|
| Spay (over 6 months) | $643 (over 50 lbs)/$562 (under 50 lbs) | $643 (over 50 lbs)/$562 (under 50 lbs) | $635 (over 50 lbs)/$555 (under 50 lbs) | $643 (over 50 lbs)/$562 (under 50 lbs) |
| Neuter (over 6 months) | $532 | $532 | $526 | $532 |
| Professional dental cleaning | $449 | $449 | $441 | $449 |
| Office visit | $81 | $81 | $79 | $81 |
Estimated vet services costs for cats across Minnesota
| Vet Service | Bloomington | Minneapolis | Rochester | St. Paul |
|---|---|---|---|---|
| Spay (over 6 months) | $399 | $399 | $394 | $399 |
| Neuter (over 6 months) | $294 | $294 | $290 | $294 |
| Professional dental cleaning | $449 | $449 | $441 | $449 |
| Office visit | $81 | $81 | $79 | $81 |
Source: Banfield Pet Hospital
How does pet insurance work in Minnesota?
Go to the vet
If your pet gets sick or injured, just visit any state-licensed veterinarian for the diagnostics, procedures, and medications your furry friend may need to recover.
File a claim
File a claim on the Lemonade app in minutes. You’ll need a pic of the vet invoice and/or a paid receipt, plus a copy of your medical records or notes from that specific vet visit.
Get reimbursed
Get your money back directly into your bank account from Lemonade for eligible claims. Around 50% of Lemonade pet insurance claims are handled instantly.
FAQs
What are the main safety threats to pets in Minnesota?
Minnesota pets face several safety threats, from curious coyotes to toxic plants and the occasional snake. Coyotes are found statewide, so keep your pets indoors, leash them during dawn or dusk walks, and secure garbage bins to deter these opportunistic hunters. Black bears can also wander into urban areas, drawn by pet food or unsecured trash—store these items indoors and supervise pets when they’re outside, especially around dawn or dusk.
Snakes, though rare, include two venomous species—the Timber Rattlesnake and Eastern Massasauga—mostly in southeastern Minnesota. When hiking, keep your pup leashed and steer clear of sunny rock piles where snakes might sunbathe. Watch out for toxic plants like lilies, tulips, and hydrangeas too; if your pet ingests something suspicious, contact your vet right away.
What are the best dog parks in Minnesota?
Minnesota is a haven for pups with its fun-filled dog parks.
- Bloomington Dog Park offers 25 acres of space with fenced areas and a pond for water-loving dogs.
- Bryant Lake Dog Park in Eden Prairie features a 9.3-acre fenced area within a beautiful recreational zone, perfect for endless wagging tails.
- Battle Creek Dog Park in Maplewood spans 35 acres with trails, open spaces, and ponds for swimming.
- Minnehaha Off-Leash Dog Park in Minneapolis, is where pups can explore sandy beaches and wooded trails along the Mississippi River—you’ll need a $5 daily permit for entry.
What are the top local pet-based businesses in Minnesota?
Minnesota has some great pet businesses to explore.
- The Dog Tank in Mendota Heights features a 45-foot indoor dock-diving pool—perfect for dogs to cool off or try out dock-diving sports.
- Fur Baby Barn in Medina, offers daycare and boarding where pups enjoy six outdoor play areas and personalized care.
- Place for Fido in Duluth specializes in outdoor gear and treats for adventure-loving pets!
- Woof Dah! in Burnsville is a boarding facility offering a cage-free environment, 24-hour staffing, and even an outdoor splash pad.
- Pet Expo in Mankato provides a massive range of supplies and services—ideal for all your furry friends’ needs.
Can I use Lemonade pet insurance at any vet in Minnesota?
Yes, since we work on a reimbursement basis you can use your Lemonade pet insurance policy at any licensed vet in the U.S., including Minnesota.
What are some ways to protect my pet from Minnesota's winter weather?
Pet owners should keep their pet indoors during extreme cold and provide plenty of warmth with pet-friendly clothing or blankets. If they need to go outside to do their business or get exercise, consider using a jacket to keep them warm and pet booties to protect their paws from ice, and always wipe their paws after walks. If you use ice melt during the winter months, consider using pet-friendly ice melt, or avoid giving your pup access to areas using ice melt.
A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage and discounts may not be available in all states. Lemonade Insurance analyzed policy rates to calculate average pet premiums as of October, 2024. This analysis is based on Lemonade’s internal data and is meant for illustrative purposes only; quotes may vary depending on individual circumstances
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