Shopping for pet insurance in Indiana? The best price benchmark you’ll find is a national one. In 2025, the average accident and illness plan cost $836 a year for a dog (about $70 a month) and $435 a year for a cat (about $36 a month), according to the North American Pet Health Insurance Association (NAPHIA), the industry’s trade group. NAPHIA’s report gives prices for the whole U.S., with no state breakdown.
So this page pairs those national prices with what’s specific to Indiana: the state’s vet market, how many Indiana pets are insured, and where to check an insurer before you buy.
How much is pet insurance in Indiana?
Here’s what the average U.S. pet owner paid in 2025 for each of the three main kinds of plan. Treat these as national averages. Your Indiana quote could come in higher or lower.
| Plan type | Dogs, per year | Cats, per year |
|---|---|---|
| Accident only | $190 | $112 |
| Accident and illness | $836 (about $70 a month) | $435 (about $36 a month) |
| Accident and illness with wellness | $1,414 | $859 |
Those averages are rising fast. Accident and illness premiums went up 11.5% for dogs and 12.6% for cats in 2025.
NAPHIA’s state table gives one Indiana-specific hint. Indiana made up 1.2% of the pets insured by NAPHIA’s members in 2025 but only 0.9% of the premium they wrote. When a state’s share of premium is smaller than its share of pets, owners there paid less per insured pet, on average, than owners nationwide. That gap could reflect cheaper plans, lower prices or both, so it’s a clue and nothing more.
Your own price depends on your pet’s species, breed, age and sex, where you live, and the coverage and deductible you pick. For a closer look at each factor, see our guide to how much pet insurance costs.
What vet care looks like in Indiana
Pet insurance pays vet bills, so it’s worth knowing the local vet market. The U.S. Bureau of Labor Statistics (BLS) estimated that about 1,500 veterinarians worked in Indiana in May 2025, its latest count.
| May 2025 | Indiana | United States |
|---|---|---|
| Veterinarians employed | 1,500 | 83,900 |
| Average (mean) yearly pay | $127,060 | $142,680 |
| Median yearly pay | $124,530 | $130,100 |
Indiana vets earn less than vets nationally. The average is about $15,600 lower, and the median is about $5,600 lower. Vet pay is a rough signal of local vet costs, because wages feed into every bill. It says nothing direct about the price of an exam or a surgery, so don’t treat it as one.
Indiana also has a bit fewer vets for the size of its workforce. BLS puts Indiana’s location quotient for vets at 0.87, meaning vets make up a 13% smaller share of Indiana jobs than they do nationally.
How many Indiana pets are insured?
Indiana accounted for 1.2% of the pets insured by NAPHIA’s members in 2025, while nationally only 4.27% of dogs and cats had coverage.
Very few, and that’s true across the country. Only 4.27% of the 163.6 million dogs and cats in the U.S. were insured in 2025, per NAPHIA. Dogs were much more likely to be covered (5.99%) than cats (2.29%).
Indiana accounted for 1.2% of the pets insured by NAPHIA’s members that year. The top state, California, held 18.1%.
Checking an insurer in Indiana
The Indiana Department of Insurance (IDOI) has a Consumer Services team whose job is making sure insurance companies and licensed agents in Indiana follow state insurance law. It takes questions and complaints from consumers, and you can reach it at 800-622-4461. Its consumer services page also links to a list of licensed insurance companies, which is worth a look before you sign up with anyone.
The National Association of Insurance Commissioners (NAIC), the group of state insurance regulators, sums pet insurance up this way: it’s similar to health insurance for people, with exclusions, levels of coverage, deductibles and payment limits. A few details from its consumer guidance are worth knowing:
Most policies pay you back after you pay the vet, rather than paying the vet directly. Reimbursement methods vary. Some companies use a benefit schedule that pays set amounts by illness or injury, and others pay back a percentage of what you spent. Some companies let you choose your own vet. Policies generally can’t move to another pet, though some can be transferred to a new owner with written approval.
What pet insurance covers, and what it usually leaves out
Pet insurance pays for accidents and illnesses, but it usually leaves out conditions your pet already had, hereditary or congenital problems, and routine care.
Accident-only plans pay for injuries, such as a broken bone, a cut that needs stitches or a swallowed toy. They cost the least because they don’t cover illness. Accident and illness plans add sicknesses, from ear infections to cancer. Wellness add-ons help pay for routine care like checkups and vaccines, and as the table shows, they push the premium up a lot.
The conditions insurers pay for most often are everyday ones. Across North America in 2025, NAPHIA’s members paid dog claims most often for stomach and digestive problems, ear infections and skin conditions. For cats, the top three were stomach and digestive problems, dental disease and urinary tract infections.
On the exclusions side, the NAIC says most pet insurers exclude pre-existing conditions and hereditary or congenital conditions. Some won’t accept pets past a certain age, and many have waiting periods before benefits begin. Read how a policy defines pre-existing before you buy, since that definition decides a lot of claims.
How to find the best pet insurance in Indiana
Compare identical coverage across a few insurers, then tune the deductible, reimbursement rate and annual limit to a premium you can keep paying.
The best plan for you is the one that covers the bills you’d struggle to pay, at a premium you can keep up with year after year. Compare the same coverage across a few insurers so you’re weighing like with like.
Three settings you control move the price. The deductible is what you pay before the plan kicks in, and a higher one lowers your premium. The reimbursement rate is the share of a covered bill you get back, and a lower rate means a lower premium. The annual limit caps what the plan pays each year. A lower cap is cheaper, but a single serious illness can use it up.
Sign up while your pet is young and healthy if you can. There’s less history for an insurer to exclude as pre-existing.
When you’re ready, compare pet insurance quotes for your pet and ZIP code. You’ll find more plan and cost guides on our pet insurance hub. If you live near a state line, we also cover pet insurance in Illinois, Michigan, Ohio and Kentucky.
Frequently asked questions
How much is pet insurance in Indiana?
NAPHIA doesn’t publish Indiana prices, so use the national average as your benchmark. In 2025, accident and illness plans averaged $836 a year for dogs (about $70 a month) and $435 a year for cats (about $36 a month) across the U.S. Indiana owners paid less premium per insured pet than the national average, based on NAPHIA’s state data, but your quote depends on your pet, your ZIP code and the coverage you choose.
How much is dog insurance a month in Indiana?
The national average for an accident and illness plan was about $70 a month for a dog in 2025. An accident-only plan averaged $190 a year, or about $16 a month. Your dog’s breed and age can push an Indiana quote well above or below those numbers.
How much is cat insurance a month in Indiana?
Nationally, accident and illness coverage for a cat averaged about $36 a month in 2025, and accident-only coverage averaged $112 a year, or about $9 a month.
Does pet insurance cover pre-existing conditions in Indiana?
Usually not. The NAIC says most pet insurers exclude pre-existing conditions, along with hereditary and congenital ones. Check exactly how a policy defines pre-existing before you buy.
Where can I file a complaint about a pet insurer in Indiana?
Contact the Indiana Department of Insurance’s Consumer Services team at 800-622-4461, or start from its consumer services page.
Sources
- North American Pet Health Insurance Association (NAPHIA), State of the Industry Report 2026, published June 2026 and covering the 2025 calendar year. U.S. average annual premiums (Section 4), the full table of insured pets and premium by state, including Indiana (Section 5), most common conditions claimed in North America (Section 6), and the U.S. pet population and penetration rate, which NAPHIA takes from the American Veterinary Medical Association’s 2025 Pet Owner Survey.
- U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics: Veterinarians (29-1131), May 2025 estimates. Indiana and U.S. employment, mean and median annual wages, and Indiana’s location quotient.
- Indiana Department of Insurance, Consumer Services, for the department’s consumer role, complaint options and phone number.
- National Association of Insurance Commissioners (NAIC), Pet insurance, consumer topic page last updated April 2025.
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