- How much does pet insurance cost in Minnesota?
- What pet insurance plans does Lemonade offer in Minnesota?
- What does a Lemonade pet insurance policy in Minnesota cover?
- How much pet insurance do I need in Minnesota?
- How does pet insurance work in Minnesota?
- Is pet insurance worth it in Minnesota?
- Protect your pet from Minnesota threats
- Top Minnesota dog parks
- Support Minnesota pet-based businesses
- FAQs
Minnesota pet parents: Whether you’ve got a Sphynx in Saint Paul, or a Malamute in Minneapolis, you’ve come to the right place to learn all you need to know about pet insurance in Minnesota. We’ll take you through the hidden gems and insider tips of being a Minnesota pet parent, and while we’re at it, we’ll go through the ins-and-outs of keeping your pet protected so you can keep your furry companion (and your wallet) covered from expensive vet bills.
How much does pet insurance cost in Minnesota?
The average estimated cost of Lemonade pet insurance in MN ranges from roughly $17 to $53 a month for dogs and $10 to $32 a month for cats, according to ValuePenguin.* But how much you pay for pet insurance depends on several factors—like the breed and age of your pet, where you live, and the coverage and coverage amounts you choose.
At Lemonade, a policy for a dog or a cat starts at $10/month. On average, across different ages, breeds, and locations, Lemonade pet parents pay around $28/month to keep their cats covered and roughly $47/month to keep their pups covered. You can learn more about the costs of pet insurance here, or start your free quote below.
What pet insurance plans does Lemonade offer in Minnesota?
With a Lemonade pet insurance plan, there are numerous ways to customize your policy with our coverage options.
To begin, a base Lemonade pet health insurance policy in Minnesota helps cover the costs of medication, tests, and treatments if your cat or dog has an unexpected accident or illness (provided it’s not related to a pre-existing condition, and occurs after your policy’s waiting period has ended).
Lemonade also offers three preventative care packages:
- Preventative Care package
- Preventative + Care package
- Preventative Package for Puppy/Kitten
These packages are designed to keep your pet healthy and help cover expenses you’re probably paying for routine care anyway, such as check-ups and teeth cleanings. By adding one of these packages to your Lemonade policy, you’ll get access to all kinds of things—like your annual blood tests, vaccinations, wellness exam, and more. There may be some applicable exclusions.
Depending on your pet’s age, this package covers things like spaying/neutering, vaccinations, microchipping, and flea and tick treatments.
You can also customize your Lemonade policy with a mix and match of optional add-ons like:
- Physical therapy
- Vet visit fees
- Dental Illness
- Behavioral conditions
- End-of-life and remembrance
These coverages can help take a bite out of pricey treatments, services, and trips to the vet.
Lemonade Pet policyholders also have access to Chewy’s Connect with a Vet service, which allows you to chat with veterinary professionals on any aspect of your pet’s health and well-being. Keep in mind that this service is a supplement to in-person or virtual vet exams, and the Chewy team cannot prescribe medication or diagnose illnesses.
What does a Lemonade pet insurance policy in Minnesota cover?
A base pet insurance policy, like those offered by Lemonade in Minnesota, covers the costs of diagnostics (like x-rays or blood tests) and treatments (like surgery or medication) for eligible accidents and illnesses.
| A base Lemonade pet policy can help cover things like… | ||
|---|---|---|
| Bloodwork | Ultrasounds | Road accidents |
| X-rays | Cancer | Outpatient care |
| MRI | Emergency care | Allergy medicine |
| CT Scans | Surgery | Specialty care |
| Lab work | Heart disease | Injections |
| Urinalysis | Hospitalization | Prescription medications |
| Arthritis medication | Knee dysplasia | Elbow and hip dysplasia |
How much pet insurance do I need in Minnesota?
The right amount of pet insurance for your needs is all about finding a balance between how much you feel comfortable spending on your monthly premium with how much you could pay for an unexpected vet bill.
To get a sense of how much you might need to spend on vet bills to keep your furry friend happy and healthy, check out the estimated costs of some common vet services in some of Minnesota’s major cities below.
Keep in mind: Coverage may depend on purchasing additional add-ons or Preventative Care packages with Lemonade.
Estimated vet services costs for dogs across Minnesota
| Vet Service | Minneapolis | St. Paul | Rochester | Plymouth | Waite Park |
|---|---|---|---|---|---|
| Office visit | $77 | $77 | $75 | $75 | $72 |
| Office visit (add additional pet) | $60 | $60 | $59 | $59 | $56 |
| Bordetella vaccine | $35 | $35 | $34 | $34 | $33 |
| DAPP vaccine | $40 | $40 | $40 | $40 | $39 |
| Bivalent influenza vaccine | $55 | $55 | $54 | $54 | $53 |
| Leptospirosis Vaccine | $25 | $25 | $24 | $24 | $24 |
| Lyme disease vaccine | $44 | $44 | $44 | $44 | $43 |
| Rabies vaccine | $29 | $29 | $28 | $28 | $28 |
| Professional dental cleaning | $433 | $433 | $425 | $425 | $409 |
| Neuter package (over 6 months) | $520 | $520 | $513 | $513 | $501 |
| Neuter package (under 6 months) | $446 | $446 | $440 | $440 | $430 |
| Spay package (over 6 months / over 50 pounds) | $627 | $627 | $619 | $619 | $605 |
| Spay package (over 6 months under 50 pounds) | $548 | $548 | $541 | $541 | $528 |
| Spay package (under 6 months) | $476 | $476 | $470 | $470 | $458 |
Estimated vet services costs for cats across Minnesota
| Vet Service | Minneapolis | St. Paul | Rochester | Plymouth | Waite Park |
|---|---|---|---|---|---|
| Office visit | $77 | $77 | $75 | $75 | $72 |
| Office visit (add additional pet) | $60 | $60 | $59 | $59 | $56 |
| Feline Distemper FVRCP | $34 | $34 | $34 | $34 | $33 |
| Feline Leukemia Virus vaccine | $37 | $37 | $36 | $36 | $35 |
| Rabies Vaccine | $29 | $29 | $28 | $28 | $28 |
| Professional dental cleaning | $433 | $433 | $425 | $425 | $409 |
| Neuter package (over 6 months) | $287 | $287 | $283 | $283 | $276 |
| Neuter package (under 6 months) | $230 | $230 | $227 | $227 | $222 |
| Spay package (over 6 months / over 50 pounds) | $389 | $389 | $384 | $384 | $375 |
| Spay package (under 6 months) | $331 | $331 | $327 | $327 | $319 |
How does pet insurance work in Minnesota?
1. Buy a policy
Answer a few quick questions about your 6-month-old Chihuahua, Hank, and build your pet’s policy with the help of our friendly AI chatbot Maya. The monthly premium you pay is determined by a few factors, mostly things that you can customize, like your annual deductible, your co-insurance, the annual limit on your plan, and any preventative care packages or add-ons you include.
If you want, you can take a deeper dive into how to buy a Lemonade pet insurance policy.
2. Go to the vet
You rush Hank to the vet after he sneaks into your halloween candy stash. The candy wrappers he scarfed down cause intestinal blockage, and he ends up needing an emergency intestinal blockage surgery that comes with a price tag of $7,000. Woof. But because you have pet insurance, you don’t have to worry about the full amount.
3. File a claim
You get 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. Then you head to the Lemonade app to file a pet insurance claim with the help of our friendly AI chatbot Jim.
4. Get your money back
Hank is safely on the mend and you get up to a $6,300 reimbursement back in your pocket from Lemonade!
Is pet insurance worth it in Minnesota?
When deciding if pet insurance is worth it for you financially, it may help to see it as an investment for the future.
Check out how much pet parents of dogs and cats have saved on vet bills by signing their fur baby up for pet insurance.
It’s worth noting that as your fur friend ages, they will require more veterinary care and treatments, which is why it pays to take out a pet insurance policy for your pet as early as possible. If you try to sign your 13-year-old dog up for insurance for the first time, they might be declined due to their age; either way, they’re more likely to have pre-existing conditions that won’t be covered by insurance.
At Lemonade, you can cover your pet from the time they’re two months old.
Protect your pet from Minnesota threats
Bears, coyotes, plants, oh my! While Minnesota’s lush landscapes and abundant wildlife create a picturesque backdrop, they also pose potential hazards for your beloved pets. Keeping your furry friend safe from these local threats can help avoid unexpected trips to the vet.
Coyotes are common throughout Minnesota
They have adapted to living in rural, suburban, and urban areas. While coyotes are mostly afraid and skittish around humans, an unexpected interaction between a coyote and your pet could end in tragedy.
The most foolproof way to protect your cat from a coyote is to keep them indoors. If your feline has a taste for fresh air, you can try leash-training them (some patience required), or you can build them their very own outdoor catio so they can sun themselves safely.
Keep your dog safe from coyotes by avoiding going on walks at dusk or dawn, which is when coyotes tend to be the most active. When you do go on your walks, keep your dog on a leash at all times, and scoop and dispose of your dog’s poop so coyotes don’t latch onto your dog’s scent. Secure your garbage cans to keep scavenging coyotes off your property. If you keep a food and water bowl outside for your pup, take them inside at night. You don’t want coyotes to think of your backyard as a 24-hour diner. You can also buy this totally punk protective vest for your pooch. Safe and fashionable!
For additional peace of mind, you might want to invest in some fencing around your backyard, which will make it harder for unwanted guests to wander onto your property.
In Minnesota, black bears are generally elusive and prefer to avoid humans
However, they can occasionally wander into urban areas, creating potential risks for pets. These bears have a keen sense of smell and are particularly attracted to calorie-rich foods like dog food, birdseed, and unsecured garbage.
- To protect your pets, it is essential to minimize any attractants around your home by:
- Storing pet food indoors
- Sealing garbage bins tightly
- Removing food scraps
- Regularly cleaning grills
Following these steps can prevent bears from being drawn to your property. You can also consider keeping pets indoors or supervising them closely if they need to be outside during dawn and dusk when bears are more active.
Minnesota is home to 17 different types of snakes
Yet only two are venomous, the Timber Rattlesnake and Eastern Massasauga. Both snakes primarily reside in southeastern part of the state, and are not encountered frequently. However, the best way you can prevent your pet from getting a snake bite is to be aware.
Snakes often bask in sunny areas during the day, such as rocks or logs. When hiking, keep your dog on a leash to quickly steer them away from danger.While at home, make sure that timber and leaf piles, which make perfect hiding spots for snakes, are cleared from your yard.
If your pet is bitten, seek veterinary care immediately without attempting to identify or capture the snake. Keep your pet calm and the bitten area below heart level until you reach the vet. Treatment options include antibiotics, pain relief, intravenous fluids, and, if needed, antivenom.
Toxic plants can be found in Minnesota
Most pet parents know that chocolate, onions, and tomatoes are toxic foods for four-legged friends. But what about toxic plants found in nature?
Some plants found in Minnesota that are toxic to dogs and cats include:
- Sago Palm
- Tulips
- Oleander
- Hydrangeas
- Yew
When your four-legged friend goes for a walk or hangs out in the backyard, keep your eyes out for these toxic plants. If you think your pet has ingested a toxic plant, take them to the vet right away. You can also call the ASPCA animal poison control phone number: (888)-426-4435.
Top Minnesota dog parks
Got a lively dog looking to stretch those legs? Minnesota has some fantastic off-leash dog parks where your pup can run free and make new furry friends. Before heading out, make sure your dog’s vaccinations are up-to-date and that they’re spayed or neutered to make the most of their outdoor adventures.
- Bloomington Dog Park: Situated in Bloomington, this expansive 25-acre haven is perfect for dogs of all sizes. It features separate fenced areas, including a pond for those water-loving pups. Whether your dog prefers to frolic on grassy hills or explore wooded paths, this park offers a delightful mix. Remember to bring a dog license, as it’s required for entry.
- Bryant Lake Dog Park: Located in Eden Prairie, this park is nestled within a 170-acre recreational area. Dogs have a 9.3-acre fenced space to run wild, ensuring they have plenty of room to play. While your pup enjoys the park, make sure to keep them leashed in other areas. Daily passes are $5, available both online and at the park.
- Battle Creek Dog Park: This 35-acre park in Maplewood is a dog’s paradise, with miles of wooded trails and open spaces for running and exploring. It’s fully enclosed, so your pet can roam without worry. With two ponds available, it’s an ideal spot for dogs who love to swim. Although the park is free to use, be sure to bring your own water and waste bags.
- Minnehaha Off-Leash Dog Park: Located along the Mississippi River, this expansive park in Minneapolis features shady trails, sandy beaches, and wooded areas for diverse adventures. A $5 daily permit is required for access. Pack water and waste bags, as amenities are limited, and enjoy the award-winning facilities and beautiful views with your pup.
Support Minnesota pet-based businesses
Pamper your furry friend with the best that Minnesota’s pet businesses have to offer!
- The Dog Tank: Dive into endless fun at The Dog Tank in Mendota Heights. This unique facility features a 45-foot dock indoor diving pool perfect for dogs of all sizes to enjoy. Whether it’s cooling off on a hot day or mastering the sport of dock diving, The Dog Tank offers classes and group swims for an unforgettable experience.
- Fur Baby Barn: Nestled in Medina, Fur Baby Barn creates a welcoming environment for your pets. With six outdoor and three indoor play areas, this doggie daycare and boarding facility caters to both small and large dogs, ensuring they receive personalized care and plenty of playtime.
- A Place for Fido: Nestled in the historic Fitger’s Mall in Duluth, A Place for Fido caters specifically to active and outdoor-loving dogs. This locally owned store offers a curated selection of toys, collars, leashes, and specialty treats, ensuring your pet is ready for any adventure. Their commitment to quality and customer care makes every visit a delight.
- Woof Dah!: In Burnsville, Woof Dah! offers an all-inclusive doggy daycare and boarding experience. With 24-hour staffing, a cage-free environment, an indoor swimming pool, and an outdoor splash pad, your dog will enjoy endless play and relaxation.
- Pet Expo: Situated in Mankato, Pet Expo is Southern Minnesota’s largest pet supply retailer. This locally owned store provides a unique shopping experience for you and your pet, offering a wide range of products and services since 1987.
Before we go…
Isn’t being a pet parent just the best? The companionship, the kisses, the laughter! Pets really add so much to our lives. The love that Minnesota pet parents have for their furry companions is real.
We love our pets, but sometimes those vet bills can take a real bite out of our wallets, which is why more and more pet parents are choosing to get covered with insurance for dogs or insurance for cats. Learn more about how much pet insurance costs, and whether or not pet insurance is worth it for you.
FAQs
Are there specific coverage options for wildlife encounters in Minnesota?
While there is not a specific coverage for wildlife encounters, pet insurance will generally provide coverage for the treatment and medication your pet may need after an encounter with predator such as a bear or coyote.
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.
Does pet insurance in Minnesota cover seasonal allergies?
Yes, Lemonade Pet insurance can generally provide coverage for allergies, as long as the condition is not pre-existing.
Can I use Lemonade pet insurance at any vet in Minnesota?
Yes, since Lemonade Pet works on a reimbursement basis, you can bring your pet to any licensed vet in any state in the U.S., including Minnesota.
What happens to my pet insurance if I move to a different state?
If you move to a different state, you will need to contact Lemonade within 30 days of your move to update your policy. Your premiums might change based on the new location, so it’s essential to get updated information. Additionally, Lemonade pet insurance is not available in all 50 states yet, so be sure to check that Lemonade is able to offer coverage in your new state.
*https://www.valuepenguin.com/pet-insurance/average-cost-of-pet-insurance#:~:text=Pet%20insurance%20costs%20an%20average,that%20cover%20accidents%20and%20illnesses.
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.
