Minnesota Pet Insurance

There’s a wide range of pet insurance costs, depending on a wide variety of factors, including coverage limits. On average, our Minnesota pet insurance costs between $40 and $50 per month in 2025.

We believe honesty is the best policy, so we won’t tell you that Embrace is the cheapest in Minnesota when it isn’t always. But our goal isn’t to be the cheapest, our goal is to cover more and offer the best pet protection we can. We are highly rated by our members (4.0 Google; 4.1 Trustpilot), have a 4.2-star rating from Forbes and are also highly rated by Rover, Investopedia, Money, Canine Journal and others. If you’re the type of pawrent who wants the best for their fur baby, you’ve come to the right place.

Minnesota's beauty beckons for exploration with your pet, but local dangers demand attention. Summer's "mosquito haven" requires repellent and protection. Winter's "Icebox" necessitates paw protection during walks, and fluctuating temperatures create treacherous "black ice." Heavy snow can lead to dangerous drifts and avalanches.

Wild rice, a quintessential Minnesota feature, can cause digestive issues in pets if ingested, so be mindful in areas with wild rice growth. Even urban areas have unique threats like raccoons and skunks. By understanding these specific hazards, along with general pet safety measures, you can ensure your furry friend explores safely and responsibly.

For any pet parent who wants to avoid being stuck with thousands in vet bills, pet insurance offers a way to pay upfront and get reimbursed for covered costs later. No matter how careful we are with our pets, accidents happen, and illness is largely unpredictable.

An emergency with a few zeroes behind it can lead to tough decisions, and pet insurance can help you make life saving decisions without financial worry.

If you’re contemplating pet insurance, you’re in good company. According to Nerd Wallet, the number of pet parents who opted for pet insurance has doubled since 2019.

Oh, and if you’re wondering, pet insurance is likely to pay off faster than you think. More than 50% of Embrace customers submit a claim within their first policy year, based on Embrace’s claims data.

Details vary, so here’s what you can expect: Whether or not you can use pet insurance immediately depends on the type of coverage you have. All policies cover accidents from the effective start date of the policy. All polices have a 2 week illness waiting period. Most Pet Wellness Plans, on the other hand, aren’t insurance policies and your full benefits are available from day one. Other waiting periods and exclusions vary by state. Check your policy or click here for details.