Award-Winning Pet Insurance in North Dakota for Dogs & Cats

Five Minutes
Aug 07, 2023

Home to some of the most stunning landscapes and national parks in America, North Dakota is a wonderful playground for adventurous pet owners. But it’s important to be protected if you and your furry companion are spending time outdoors. Investing in pet insurance is a great way to prepare for the unexpected — whether it’s an accident or illness. Let’s take a look at how award-winning1 MetLife Pet Insurance can help protect your North Dakotan pets.

Looking for Pet Insurance in North Dakota?

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Why Pet Insurance May Be a Good Idea if You Live in North Dakota

While certain risk factors rank low for life in North Dakota,2 the state is no stranger to powerful winter storms and seasonal floods. Even an indoor cat is at risk of injury when Mother Nature comes knocking at your door. Furthermore, North Dakota’s diverse wildlife can threaten pets who like to spend time outdoors. Coyotes, diseased ticks, and prairie rattlesnakes are just a few of the dangers your cat or dog could run into.3 A pet insurance plan can help cover up to 90% of the cost of vet bills you might face.4

A prairie rattlesnake coils in wait among purple flowers.

Why Choose a MetLife Pet Insurance Policy?

Looking for the best pet insurance in North Dakota can come with a lot of questions and options. MetLife Pet, winner of the "Pet Insurance of the Year" in the 2023 Pet Independent Innovation Awards, strives to provide comprehensive, customizable care plans for dogs and cats. Here are just a few of the reasons why people may choose us as their provider:

  • Flexible policies: Build the plan you need at the price you want. Choose the benefits and deductibles that are best for you and your pets.5
  • Family plans: MetLife Pet is the only provider to offer family pet plans.6 Protect multiple pets under one policy with a single deductible.
  • Rapid reimbursement: Get your covered services reimbursed in just 10 days or less.
  • Short waiting periods: We offer a zero-day waiting period for accidents and optional preventive coverage.7

Learn more about how pet insurance works and read on for additional coverage details.

MetLife Pet Insurance Is Available in North Dakota. See What’s Covered

Curious about the protection we offer with our cat insurance and dog insurance policies? Exact coverage will depend on the unique policy you choose, but here are a few of the things we can typically cover:

  • Emergency treatment — including surgery, hospitalization, and more
  • Vet-prescribed food and medication
  • Vet exams and alternative therapies
  • Diagnostic tests — including X-rays, ultrasound, and lab work
  • Illness treatment — including congenital and hereditary illnesses

How Much Is Pet Insurance in ND?

A MetLife Pet Insurance plan can cost as low as $9 per month for one cat and $15 per month for one dog,8 but your exact monthly premium can vary depending on a few factors.

North Dakota may be one of the less-populated states in the country, but you may pay more for pet insurance if you live near a larger city, like Fargo, than if you live in a smaller town, like Bottineau. In addition to your zip code, other factors that can influence the price include your pet’s species, breed, sex,9 and age, as well as the type of coverage you choose. For more information, check out “How Much Does Pet Insurance Cost” or get a free quote in just a few steps.

Pet Insurance Claims We Paid in the Roughrider State

Wondering if investing in a MetLife Pet policy may be worth it for you? Here are a few real-life examples of claims that were paid out to policyholders living in North Dakota:10

  • About $630 saved on a gastroenteritis exam for a labrador puppy in Fargo, ND.
  • Over $350 paid to help cover the cost of laceration treatment for an 8-year-old basset hound near Waterford City, ND.
  • $110 paid to cover the full cost of allergy medication for a pup in Mandan, ND.

If You Live in North Dakota, Consider Insuring Your Pet

Whether you have a hard-working dog on the Great Plains or a frisky cat in Fargo, your pet will likely need veterinary care throughout their lifetime. Avoid some of the uncertainty that may come with unexpected vet bills with the help of a MetLife Pet Insurance plan. Get a free quote now so you and your pets can enjoy the bounty of America’s Peace Garden State.

Pet Insurance Can Help Cover
Pet Injury & Illness Costs

There is no substantive difference between a MetLife Pet Insurance policy in North Dakota and a MetLife Pet policy in another U.S. State.

**As with any insurance policy, coverage may vary. Review our coverage and exclusions.

1 “2023 Pet Insurance of the Year Award” Winners, Pet Independent Innovation Awards

2 “Moving to North Dakota in 2023? Complete Relocation Guide,” Mover Junction

3 “Prairie Rattlesnake (Crotalus viridis),” North Dakota Herp Atlas

4 Reimbursement options include: 70%, 80% and 90% and a 50% option for MetGen policies and a 65% option for IAIC policies only. Pet age restrictions may apply.

5 Deductible options range include: $0 – $750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500

6 Based on a March 2023 review of publicly available summary information about competitors’ offerings. Competitors did not furnish copies of their policies for review. If you have questions about a particular competitor's policy or coverage, please contact them or their representative directly.

7 Accident and optional Preventive Care coverage begins on midnight EST of the effective day of your policy compared to a wait time of 2 to 15 days for many competitors; Illness coverage begins 14 days from the effective day of your policy compared to 14 to 30 days for many competitors. Based on a March 2023 review of publicly available summary information. Competitors did not furnish copies of their policies for review. If you have questions about a particular competitor's policy or coverage, please contact them or their representative directly.

8 Calculation based upon select plans and coverages. Actual rates may vary based on pet age, breed, location, deductible, reimbursement rate, and annual limits you choose.

9 For IAIC policies only

10 All claims paid amounts are based on MetLife internal claims data from October 2022. Story altered for illustrative purposes.


Coverage issued by Metropolitan General Insurance Company (“MetGen”), a Rhode Island insurance company, headquartered at 700 Quaker Lane, Warwick, RI 02886, and Independence American Insurance Company (“IAIC”), a Delaware insurance company, headquartered at 11333 N Scottsdale Rd, Ste 160, Scottsdale, AZ 85454. Coverage subject to restrictions, exclusions and limitations and application is subject to underwriting. See policy or contact MetLife Pet Insurance Solutions LLC (“MetLife Pet”) for details. MetLife Pet is the policy administrator. It may operate under an alternate or fictitious name in certain jurisdictions, including MetLife Pet Insurance Services LLC (New York and Minnesota) and MetLife Pet Insurance Solutions Agency LLC (Illinois).


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