FurVerdict
State guide

Pet insurance in Wisconsin

WI · 2 citiesHow we review
WI at a glance
Avg. annual vet costNational reference, cited below. Individual cost varies by region and pet.$950
Regulatory notesPet insurance in Wisconsin is regulated as a property and casualty product by the Wisconsin Office of the Commissioner of Insurance. Insurers must file policy forms and rates with the Office before offering coverage to Wisconsin residents. Wisconsin has no state-specific mandated pet insurance benefits beyond standard property and casualty regulatory requirements.
Common health concerns

Listed for insurance cost context only, not medical guidance.

  • Extreme winter cold and ice-related injury claim frequency is elevated for outdoor dogs
  • Lyme disease and tick-borne illness claim rates are above the national average in wooded and northern counties
  • Joint and arthritis-related chronic illness claim costs increase in older pets in cold climates
  • Seasonal allergy and skin claim frequency is elevated in humid summer months
Cost and regulatory sources
  1. Wisconsin Office of the Commissioner of Insurance: consumer insurance guidance (2026-05-17) State regulator guidance backing the regulatory notes on this page.
  2. NAPHIA State of the Industry, Average Premiums (2026-05-17) National accident-and-illness reference. The figure shown is a regional estimate against this national average; individual cost varies by region and pet.

Providers that write coverage in Wisconsin

These insurers offer policies to pet owners in Wisconsin. We list them here for reference while our full provider write-ups are in progress.

Lemonade
Embrace
Healthy Paws
Trupanion
Nationwide

Cities in Wisconsin

MilwaukeeMadison