Pet insurance is becoming a very popular and relied-upon layer of protection for pet owners. If you have recently talked to someone about pet insurance, you might be ready to explore your options and try to factor the cost.
Luckily, South Dakota has a vast amount of options, much the same as other states. For your convenience, we rounded up 10 of the best pet insurance companies in South Dakota. Let’s get started so you can get a brief look at these reviews.
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A Quick Comparison of Our Winners in 2025
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Bivvy |
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Figo |
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Wagmo |
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Fetch |
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The 10 Best Pet Insurance Providers in South Dakota
1. Trupanion Pet Insurance – Best Overall
| Reimbursement Rates: | 70-90% |
| Deductibles: | $0-$1,000 |
| Pets Covered: | Dogs, cat |
Trupanion continues to offer the best in pet insurance, taking the animal’s best interest to heart. We love Trupanion the most, as we think it offers fabulous coverage to dogs and cats of all ages. Most customers will find value in their services.
Coverage
Trupanion offers a wide range of coverage not listed here. This is a basic overview of what the company is willing to cover and is not an exhaustive list. For specifics, retrieve your free quote and speak to a representative about what your chosen policy covers.
These issues are covered:
- Diagnostic testing
- Surgeries
- Hospitalizations
- Medications
These issues are excluded:
- Pre-existing conditions
- Wellness care
- Exam fees
Customer Service
Trupanion customer service is impeccable. On the website, with the click of a button, you can call and connect to a representative. There is always a professional on standby, whether it be on the phone, through the website, or otherwise, to answer any questions you have.
Pricing
Trupanion has a plan to work for virtually any pet parent—you can tailor policies to match your needs. Also, Trupanion charges your pet for the current age and state of health upon enrollment, which never changes! So, the earlier you enroll, the better. You can choose your deductible as well.
Perks
Trupanion thoroughly believes that pets should not be punished for getting older, and neither should your wallet. So as your dog or cat starts getting up there in age, you don’t need to worry about overwhelming costs. These policies are locked in as soon as you find one that works for you.
In addition, this company pays your vet at the time of checkout as long as your vet is in their network, which is incredibly convenient. For vets that are out of network, Trupanion will reimburse you up to 90% of the cost.
2. Bivvy Pet Insurance – Best Value
| Reimbursement Rates: | 50% |
| Deductibles: | $100 |
| Pets Covered: | Dog, cat |
Bivvy is a terrific plan if you’re looking to save! It is a pretty basic setup, which makes it easy for some. They offer one fixed price so most families can find it works in their budget. Let’s see what else they have to offer.
Coverage
Bivvy offers a 50% coinsurance pay, and then the company covers the additional 50%. The monthly premiums are low, which is attractive for some. But we want to clarify that they only reimburse a little of the bill, unlike some other companies.
Bivvy covers:
- Illness
- Accidents
- Hereditary conditions
- Congenital conditions
- Cancer
- Diagnostic treatment
- X-rays and ultrasounds
- Blood tests
- Surgery
- Hospitalization
- Prescription medications
- Emergency care
- Orthodontic treatment
Bivvy excludes:
- Pre-existing conditions
- Preventative care
- Spay and neuter surgery
- Cosmetic surgery
- Air ambulances
- Boarding
- Cloning
Customer Service
You can email, call a toll-free number, or write them if you need to contact their customer service department. It is a little more hands-off than some other companies, so keep that in mind.
Pricing
All of Bivvy’s plans are $15 across the board. This makes everything easy and takes all the guessing work out of it. Some people really like the simplicity, especially those with very healthy pets and strict budgets. Bivvy covers up to $2,000 annually.
Perks
Because Bivvy does not cover a large percentage of the vet bills, they offer a credit system that will pay for your visit right up front. This is an excellent way to cover additional costs related to emergencies or illnesses.
3. Figo Pet Insurance – Premium Choice
| Reimbursement Rates: | 70%-100% |
| Deductibles: | $0-$1,500 |
| Pets Covered: | Dogs, cats |
Figo Pet Insurance is our premium choice. It is a bit more expensive than some others, but there’s a good reason for that. These benefits could absolutely work for a number of situations.
Coverage
Figo has a very wide list of coverage options we think can really match the needs of a large group of pets. Here are some of those conditions and illnesses.
Figo covers:
- Emergencies
- Hospitalization
- Surgeries
- Veterinary specialist appointments
- Diagnostic testing
- Knee conditions
- Prosthetics or orthopedics
- Hereditary or congenital conditions
- Prescriptions
- Hip dysplasia
- Chronic conditions
- Dental illness and injury
- Imaging
- Cancer treatment
- Wellness coverage
- Veterinary exam fees
Figo excludes:
- Pre-existing conditions
- Experimental procedures
- Breeding, pregnancy, or whelping
- Cosmetic surgery
- Cloned procedures
- Parasites
Customer Service
Figo has impeccable customer service, with professionals on standby to help you through every step of the process. Getting a quote is easy, and signing up for a policy after that, is just as well. You can contact the company at any time to submit a claim or make changes to your policy.
Pricing
Figo is a tad more expensive than some insurance companies, but they have a $0 deductible option and a 100% reimbursement rate option. You can go through the process with a representative to find the best plan that works in your budget.
Perks
As we mentioned, this company has a 100% reimbursement rate, which is fantastic for high vet bills for emergencies and illnesses.
4. Wagmo Pet Insurance
| Reimbursement Rates: | 70%-100% |
| Deductibles: | $250, $500, $1,000 |
| Pets Covered: | Dogs, cats |
Wagmo Pet Insurance is quickly climbing in popularity, offering excellent options for pet owners. This company is 100% woman-led, being an innovator in the industry. So, if you’d like to support women in business, this is a terrific insurance option to choose.
Coverage
Wagmo offers various coverage options with flexible policies to match your pet’s needs. Another attractive feature of this company is that they have no age exclusions.
Wagmo covers the following issues:
- Diagnostics procedures
- Medication
- Wellness visits
- Intestinal parasite testing
- Heartworm testing
- Blood work
- Vaccinations
- Flea and heartworm prevention
- Medical advice chat
Wagmo excludes:
- Holistic care
- Rehabilitation
- Alternative therapies
- Pre-existing conditions
Customer Service
Wagmo offers many avenues of contact with the company to go over any questions, concerns, or problems you face while you’re a policyholder. You can obtain a free quote on the website and follow through with a policy that matches your needs after that.
Pricing
Like Figo, Wagmo offers up to a 100% reimbursement rate on claim payouts. Because of that, Wagmo might appear a bit more expensive than some competitors. Also, you can use up to $100,000 in your pet’s lifetime.
Perks
Wagmo offers a 15% discount on monthly premiums if you do not file a claim in a 12-month time frame. This can be very beneficial to lower your premium to a better budget.
5. Fetch Pet Insurance
| Reimbursement Rates: | 70%-90% |
| Deductibles: | $250-$500 |
| Pets Covered: | Dogs, cats |
Fetch Pet Insurance is an up-and-coming company ready to offer a special policy tailored for your dog or cat. If you know anything about The Dodo, they are all about pets—and this insurance company is directly connected to their sterling reputation.
Coverage
Fetch’s website is comprehensive, providing a look at competing prices on the website’s homepage. They do their best to stay affordable for pets at every life stage.
Fetch covers the following issues:
- Prescriptions and supplements
- Emergency vet visits
- Virtual, in-home, and office visits
- Hospital stays
- Physical therapy
- Allergies
- Surgeries
- X-rays and C.T. scans
- Ultrasounds
- Blood tests
- Breed-specific issues
- Specialists
- Sick-visits
- Lab tests
- Vomiting and diarrhea
- Hereditary and congenital conditions
- Swallowed objects
- Every tooth covered
- Gum disease
- Diabetes and insulin
- Cancer treatment
- Acupuncture and chiropractic care
- Treatment for aggression and separation anxiety
Fetch excludes:
- Pre-existing conditions
Customer Service
Fetch has a clean, easy-to-navigate website where you can obtain quotes, make changes, or call with the click of a button. It’s intuitive and simple, making it favorable for many folks. Professionals are on standby to help you.
Pricing
Fetch has reasonable prices on policies. However, many might not like the fact that payouts can take up to 15 days to receive. This is one of the longest payout times we’ve seen, making it off the table for some potential customers.
Perks
Fetch is trying to pick up slack where other companies fail. They offer behavioral services to treat issues like aggression and separation anxiety, which is something other companies do not.
6. Lemonade Pet Insurance
| Reimbursement Rates: | 70%-90% |
| Deductibles: | $100, $250, $500 |
| Pets Covered: | Dogs, cats |
Lemonade Pet Insurance is an ever-expanding company offering coverage to dogs and cats. They have other insurance plans available as well, so if you already have a policy through this insurance company, you can always bundle.
Coverage
Lemonade offers a list of standard coverage options to pet owners. You get all the basics taken care of, and claim submission is a breeze.
Lemonade covers:
- Diagnostics procedures
- Medication
- Wellness visits
- Intestinal parasite testing
- Heartworm testing
- Blood work
- Vaccinations
- Flea and heartworm prevention
- Medical advice chat
Lemonade excludes:
- Pre-existing conditions
Customer Service
Lemonade has customer service on standby to help you retrieve your quote, begin your policy, submit claims, and answer any additional questions in between. You have many points of contact via the website.
Pricing
Lemonade offers competitive rates on monthly premiums. There are lots of add-ons to choose from, so you have complete control over total policy cost. Lemonade also makes it easy to make changes, adjusting your policy as needed.
Perks
Lemonade has a bunch of discounts you can take advantage of. These include 10% bundle discounts, multi-pet discounts, and an annual fee discount.
7. Healthy Paws Pet Insurance
| Reimbursement Rates: | 70%-90% |
| Deductibles: | $100-$1,000 |
| Pets Covered: | Dogs, cats |
Healthy Paws Pet Insurance were one of the first on the pet insurance scene, making them innovators in the industry. They have average prices on policies with a wide selection of coverage options to match most general needs.
Coverage
Healthy Paws definitely has a wide selection of coverage. They have speedy claims, generally taking roughly two days, and all claims can be submitted online.
Healthy Paws covers:
- Accidents
- Illness
- Emergencies
- Hereditary and congenital conditions
- Cancer
- Chronic conditions
- Diagnostic treatments
- X-rays
- Blood tests
- Ultrasounds
- Surgery
- Hospitalization
- Prescriptions
- Medications
- Emergency care
- Specialty care
- Alternative treatment
Healthy Paws excludes:
- Pre-existing conditions
- Exam fees
- Preventative care
Customer Service
Healthy Paws has terrific customer service and a lot of self-service options if you prefer that route. You can do virtually anything on the website, such as file claims, update personal information, and make changes to your policy.
Pricing
Healthy Paws Requires an administrative fee to set up an account on the website once you secure a policy. The monthly premiums are average in comparison to competitors.
Perks
This insurance company offers a referral friend program. You get $25 if a person you refer gets a policy with the company.
8. Nationwide Pet Insurance
| Reimbursement Rates: | 50%-70% |
| Deductibles: | $250 |
| Pets Covered: | Dogs, cats, exotic pets |
Nationwide has been offering insurance to people for many years, and now they offer the same for beloved pets! Not only do they take on our cats and dogs—but they also accept and offer policies for exotic animals.
Coverage
Nationwide is a terrific choice, especially if you have multiple pets to cover. This company takes an innovative approach, offering insurance to a variety of pets. See if your exotic pet qualifies today.
Nationwide excludes:
- Taxes
- Waste
- Grooming
- Boarding
- Pre-existing conditions
Customer Service
Nationwide has customer service on standby to help you through the process. They offer several portions of the website where you can get a free quote with just the click of a button. After your policy is activated, professionals will be on standby to help you through every step of the process, including claims.
Pricing
Nationwide can get pricey in terms of policies, but there are always bundle options. It might also help you get a few discounts if you bundle policies with your own—permitting you have insurance for “people” coverage.
Perks
Nationwide offers bundle discounts and a 100% money-back guarantee for the first 10 days of an activated policy.
9. ASPCA Pet Insurance
| Reimbursement Rates: | 70%-90% |
| Deductibles: | $100-$1,000 |
| Pets Covered: | Dogs, cats, horses |
The ASPCA makes it their mission to advocate for animals. It’s no surprise that they hopped on board, offering comprehensive plans for customers. The ASPCA stands out, being the only company to date providing insurance to our beloved horse companions as well as dogs and cats.
Coverage
The ASPCA offers both wellness and accident-only plans for policyholders. You can choose the type of coverage that works best for your pets.
The ASPCA covers:
- Accidents
- Emergencies
- Hereditary illness
- Sudden illness
- Behavioral issues
The ASPCA excludes:
- Pre-existing conditions
- Cosmetic procedures
- Breeding costs
Customer Service
There are many avenues of contact with the ASPCA insurance providers. You can also talk to a vet on staff, asking pet-related questions to find out if vet care is necessary before making a trip—or to answer any other questions you might have.
Pricing
The ASPCA pet insurance remains average in the pricing department. You can tailor policies to meet your pets’ needs and choose a plan that works best for your budget.
Perks
The ASPCA Pet Insurance offers a GoFetch reimbursement plan that is thoroughly explained on the website. They also have their own app to make claim submission easy.
10. AKC Pet Insurance
| Reimbursement Rates: | 70%-90% |
| Deductibles: | $100-$1,000 |
| Pets Covered: | Dogs only |
The AKC is special insurance offered to dogs only. It is tailored to match the needs of all canines, but it is beneficial for breeders. Unlike other companies, it really aims toward purebred dogs.
Coverage
The AKC really helps out breeders, covering so many areas of care. However, they have excellent options for caring for everyday dogs, too.
The AKC covers:
- Injuries
- Allergies
- Broken bones
- Cancer
- Emergency care
- Hospitalization
- Lab tests
- Physical therapy
- Surgery
- Tooth extraction
The AKC excludes:
- Cats and other pets
- Pre-existing conditions
Customer Service
Customer service is a staple for the AKC. They care deeply about pups’ well-being everywhere and have professionals on hand to help you navigate the insurance process.
Pricing
The AKC is rather expensive compared to some competitors, but the benefits can be worth it. These plans are especially beneficial for AKC-registered dogs, ensuring breed satisfaction and longevity.
Perks
With the AKC, you get support for breeding services, pregnant dames, and medical-related complications during pregnancy or birth.
Buyer’s Guide: How To Choose the Best Pet Insurance Providers in South Dakota
What to Look for in Pet Insurance (for Cats, Older Dogs, Etc.)
When you’re purchasing an insurance policy for your pet, you want to check off all of the boxes. Each pet will have a different set of needs that can be catered to with the various plans and coverage. Here are the areas that are the most important when considering which company to go with.
Policy Coverage
Policy coverage is arguably the most important category to look at when you’re shopping. Knowing exactly what your policy covers can help prevent any miscommunication or financial hits in the future that could negatively impact you.
Most companies have a list of coverage and exclusions listed on their website before you even get a free quote. That way you can take a closer look at what they offer to see if it is worth your time.
Customer Service & Reputation
How well a company is willing to take care of policyholders speaks volumes about what you can expect to receive. Checking out reviews to see how current policyholders feel about customer service really matters.
Once you have a company in mind take a quick look at Google to see what other users have to say before you make your final choice.
Claim Repayment
Most insurance companies try to be very speedy about reimbursements. They want their customers’ payouts to arrive quickly in between claims. However, some companies take an average of two days, while others can take up to 10.
The speed of reimbursement may influence the insurance company you ultimately choose. After all, the entire point is to find affordable vet care to avoid financial struggles for emergencies and illness.
Price of Policy
Getting a pet insurance policy within your budget is crucial. Lapses in coverage can lead to policy cancellation, making any condition your pet is diagnosed with during the time of coverage a preexisting condition if you choose to reactivate.
There are different ultimate costs, and it will depend on your individual pet. That is why companies offer quotes so you can see a rough estimate of what you can expect for your personal circumstance.
Plan Customization
Some people just want general coverage for accidents and illnesses. Others want to include preventative care in their policy. Companies offer add-ons or and certain benefits depending on the circumstances of your policy.
FAQ
Can I Get Pet Insurance Outside the U.S.?
If you live outside of the U.S., pet insurance could be offered in the country you reside in. However, most insurance companies in the United States might not cover pet care abroad. So it’s always nice to check with the individual insurance company you choose if you plan to travel extensively.
What If My Insurance Company Is Not Listed In Your Reviews?
If the pet insurance company you currently have is not listed in our reviews, it does not mean anything negative about the company you’ve chosen. If you are happy with your coverage and did not see an insurance company on our list that might be better for your needs, we say you should just stick with what you know.
Which Pet Insurance Provider Has the Best Consumer Reviews?
In our experience, Lemonade and Trupanion have excellent reviews due to their low prices, wide coverage list, and quick reimbursement rates. However, there are tons of good companies to choose from, and each one matches a different set of consumer needs.
What Is the Best and Most Affordable Pet Insurance?
There are quite a few insurance companies with policies that match various budgets. From our experience, Bivvy is the cheapest insurance, as policies are always a set amount per month.
However, other companies like Lemonade have fantastic reviews from policyholders due to their fair pricing.
If you have exotic pets or horses, you only have one option for a company—but see how you can tailor the policies offered to match your needs.
What the Users Say
Most pet owners agree that pet insurance gives them peace of mind. The price is definitely worth the reassurance you have that you will be financially able to support your pet in times of need.
With the added perks, sometimes people reap great rewards from having a pet insurance company, and many love the versatility and overall protection. Vet costs can be a huge expense, and anything unexpected can happen.
Which Pet Insurance Provider Is Best for You?
Only you can decide what the best pet insurance company is for you. It will depend greatly on what you’re looking for in a policy. You will need specific coverage based on a few factors like who has the best price, best coverage list, and most discounts.
Your search might not be much of a search if you have animals other than dogs and cats since it’s slim picking right now. You also should pick a policy based on what works best for your pet. Some only want wellness prevention while others need to cover potential accidents and emergencies.
As competition intensifies, we anticipate other companies will rise to the occasion, offering coverage for other animals.
How We Determined This List of Best Pet Insurance Providers in South Dakota
All the pet insurance providers reviewed in this article were chosen by our writers, editors, and team of experienced veterinary professionals to ensure that they are safe and meet the care needs of your pet. When choosing which pet insurance providers to feature, we took into account brand reputation, personal and hands-on experience, reviews from other customers, and of course, feedback from our beloved pets, to make sure to bring you only the best of the best. We at PangoVet want to give you only the best products to choose from in our reviews, to ensure that they meet your pets’ needs for optimal health and well-being.
Why Trust PangoVet?
We are a team of experienced veterinarians, writers, and editors who are pet owners ourselves, so we understand how important your pets and the products they use and consume are to you. Whether you are caring for a furry, scaly, or feathered friend, we make sure that you have honest and unbiased reviews of the top pet insurance providers on the market, so you can make an informed decision.
Conclusion
We believe Trupanion offers the most comprehensive coverage. They do not discriminate against age, although the younger you can start your pet, the better. They have a long list of covered issues and a shorter list of exclusions. This company is beneficial for several reasons and would match most pet owners’ needs.
If you’re looking for savings, Bivvy wins. Even though you might end up paying out more due to their 50% reimbursement rate, the monthly premium is incredibly easy to keep up with at only $15. Figo Pet Insurance is our premium choice because of the 100% reimbursement rate and many other perks. This company really takes care of their policyholders and is worth a few extra dollars a month.
Hopefully, these reviews helped you sort out things a little better. No matter which company you choose, we hope that you find the best coverage for your pets at home.
Featured Image Credit: Drazen Zigic, Shutterstock
