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Best Pet Insurance In South Dakota For Cats & Dogs (Rates from $24/month!)

Written By Licensed Agent Sa ElFebruary 4, 2023

If you're a South Dakota pet parent, you know that our furry friends' medical care can be pretty expensive.

But it doesn't need to be, and since 46.4% of South Dakota residents are pet parents, finding the best pet insurance companies in South Dakota has never been easier.

Whether you're looking for comprehensive coverage for your dog or just basic coverage for your cat, we've got you covered.

We'll cover the average cost of pet insurance in South Dakota, show you how to get cheapest pet insurance for cats, and get covered for your policy instantly, all online without an agent.

More Of The Best Pet Insurance Companies In South Dakota Below:

How Much Does Pet Insurance Cost in South Dakota?

The average monthly cost of a pet insurance plan in South Dakota for a cat is $24 per month and around $39 per month for a dog. However, consider that your pet's monthly premiums will be determined by many factors. These factors include their age, policy benefits, and the number of pets you cover.

How South Dakota Pet Insurance Costs Are Determined

The cost of a pet insurance policy in SD is determined by factors like your pet's age and breed and where they live, and whether the pet insurance company you chose gives policy discounts.


Like their pet parents, the older our pets get, the more health issues they have, which means obtaining their insurance will be both difficult and expensive.


Depending on the breed, specific health problems are more common. As a result, premiums for breeds with many recognized health issues are higher. In comparison, premiums for breeds with fewer known health issues are lower.


The cost of your pet insurance is determined by various factors, including where you live. Pet insurance companies cover pets in every state, and vet checkups will be more costly in big cities than in small towns.

The Coverage Amounts You Choose

The amount of coverage you choose for your pet insurance policy will also affect the cost of your policy. If you want comprehensive coverage for your pet, expect to pay more each month than if you just want basic coverage.

Policy Discounts!

Most pet insurance companies will offer you a multi-pet discount if you have more than one pet to cover. You can also find discounts for first responders, students, military veterans, and active military members of the U.S. Forces.

How To Get the Cheapest Pet Insurance Coverage in South Dakota Fast?

The fastest way to get the cheapest pet insurance in South Dakota is to get your furbaby insured right now and compare quotes from multiple companies.

Like with most insurance, the younger your puppy or kitten is, the lower your pet insurance premiums will be when you get them covered. And because a newborn kitten or puppy is less likely to have any severe health issues, it will be easier to get them covered. 

Insuring your pet before health problems appear ensures that you won't worry about having pre-existing conditions covered or additional waiting periods for your pet.

Is Pet Insurance Required By Law In South Dakota?

Pets are not required by law to have pet insurance in South Dakota. However, we always recommend obtaining pet insurance because it may help you save money on unanticipated veterinary expenses. And, since 95% of pet owners consider their dogs part of the family, having insurance gives you peace of mind knowing that your dog will be cared for if something happens.

Can I Visit Any Veterinarian or Pet Hospital in South Dakota?

You can visit South Dakota-licensed veterinarian or pet hospital when you have pet insurance. There are no networks, and you don't have to pick a primary care veterinarian. Most pet insurance providers give you the option to pay in advance and then get reimbursed the difference. However, a few are working to be able to pay the pet owners' vet directly.

What's The Average Vet Cost For Owning A Dog Or Cat In South Dakota?

According to the ASPCA, the first year's vet bills and expenses for a dog can range from $2,000 to more. The cost of having a cat is significantly lower at an average of $1,174 in the first year. When budgeting for a pet, it's essential to take into account your vet bill, expenses, as well as insurance.

Is It Safe To Take My Pet To The Veterinarian during COVID-19?

Yes, you may take your pet to the veterinarian during COVID-19; some veterinarians have set up Online Vet visits. Online vet visits allow pet owners to stay at home and only depart if there is a true emergency.

Types of Pet Insurance Plans In South Dakota

The three most common pet insurance policies in South Dakota are outlined below:

Accident And Illness Pet Insurance Plan

Accident And Illness coverage is the most popular pet insurance plan (and most common) coverage offered by insurance companies for pet owners. Individual companies will differ in what is covered. Still, these plans generally cover accidents, emergency treatment, surgery, hospitalization, cancer, allergies, diabetes, foreign body ingestion, and other factors.

Accident Only Coverage

Accident-only pet insurance coverage will cover injuries caused by unexpected events and crises such as culinary mishaps, broken bones, and bite wounds. Premium costs are lower because these plans do not cover sicknesses or hereditary or congenital conditions.

Wellness And Routine Care Plans

Even though wellness and maintenance plans are not considered pet insurance, more technology-focused insurance companies are beginning to include them as a built-in benefit. This is fantastic news because until recently, just a few firms in the United States offered these benefits, but for an additional cost.

However, keep in mind that each company's policy benefits may vary, so studying your policy perks before purchasing one is critical.

What Does Pet Insurance Cover In South Dakota?

As a pet parent, it's essential to know what's covered in your pet's insurance policy. Below are the things traditionally covered in an Accident & Illness pet insurance policy:

  • Illnesses
  • Accidents
  • Hereditary Conditions
  • Cancer
  • Surgery
  • Prescription Medications
  • Congenital Conditions
  • Chronic Conditions
  • Diagnostic Treatment
  • X-Rays, Blood Tests, Ultrasounds
  • Hospitalization
  • Alternative Treatment
  • Emergency Care

You're covered if your pet needs treatment for any accident or sickness, and it isn't a pre-existing condition. It's that easy.

What Does Pet Insurance Not Cover In South Dakota?

South Dakota pet insurance plans do not cover pre-existing conditions, behavioral disorders, exam costs, preventative care of your pet, or dental cleanings. Depending on the company, they may or may not cover hip dysplasia in the first year.

However, as we saw above, any of the best pet insurance providers can offer preventative and wellness treatments at an extra charge or include them as bonus benefits in your policy.

Comparing The Top Best Pet Insurance Providers In South Dakota

We've outlined the top best pet insurance providers in South Dakota for 2022 below, along with their strengths and weaknesses:

Best For Unlimited Coverage

Best For Alternative Therapies

Best For Puppies and Kittens

Best For Hereditary Conditions



Healthy Paws



Co. Highlight

No co-payment

No per-incident, annual or lifetime caps

Preventative care packs

Covers stem cell therapy



$100, $200, $500

$100, $250, $500



70%, 80%, 90%

70%, 80% or 90% for pets up to 7 years


70%, 80%, 90%

Annual Limits

$2,500 - $20,000, Unlimited


$10k - Unlimited for Dogs, $7k - Unlimited for Cats


Available Discounts

Multi-pet discount


Multi-pet discount

Multi-pet discount, Employee discount

Best Top Alternative to Pet Insurance in South Dakota

While it's not pet insurance, Pawp is a secure approach to keep dogs healthy and avoid them from being in hazardous situations.

The company is governed by membership models where subscribers pay monthly fees.

They also offer an intelligent 24/7 digital health platform with unlimited video chats and messages for a single, flat subscription price. 

They also provide a $3,000 maximum in annual vet expenses for unforeseen medical problems or illnesses. Choking, blockages, and poisonous meals are examples of covered emergency situations. However, Pawp does not provide any health or preventative coverage.

How To Get Free Pet Insurance Quotes In South Dakota?

Overall, pet insurance is a great way to financially protect yourself and your furbabies. When it comes to finding the best pet insurance quotes in South Dakota, doing your research is vital!

So what are you waiting for? Click here or on any of the above buttons to get free quotes and compare plans today to find the best insurance in South Dakota for your pet.

Frequently Asked Questions About Pet Insurance South Dakota

Is pet insurance worth it in South Dakota? Does pet insurance work?

Yes, pet health insurance is worth it in South Dakota. Pet insurance can cover accidents, illnesses, surgeries, and hospitalizations, depending on the policy. This can be a great way to financially protect yourself and your pet in case of unexpected medical expenses.

How much is dog insurance a month in South Dakota?

The average monthly cost of dog insurance in South Dakota is around $39 per month. However, your dog's premiums will be determined by many factors, such as their age, policy benefits, and the number of pets you are covering.

Do all pet insurance companies offer the same coverage in SD?

No, not all pet insurance companies offer the same coverage in South Dakota. It's essential to read the terms and conditions of any policy before signing up to make sure you're aware of what is and isn't covered. Especially if you have a pet with pre-existing medical conditions.

How much is cat insurance a month in South Dakota?

The average monthly cost of cat insurance in South Dakota is around $24 per month. However, your cat's premiums will be determined by their age, policy benefits (such as preventative care), and the number of pets you are covering.

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