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

Five Minutes
Aug 07, 2023

Full of lakes, pioneer towns, buttes, gold mines, and fossil beds, South Dakota has a plethora of places for pets and their owners to enjoy time together. But life in the Dakotas doesn’t come without risks for your furry friends. Whether you live in the eastern prairies or near the awe-inspiring Badlands, your pets deserve the best care — without you having to worry about costs.

Learn more about having a pet in South Dakota and how investing in an award-winning1 MetLife Pet Insurance policy can help you save on vet bills.

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

One of the keys to keeping your pets happy and healthy in the Mount Rushmore State is knowing what risks are out there.

Wildlife encounters with the likes of buffalo, antelope, porcupines, and prairie rattlesnakes can all pose a threat to your furry friends.

With vast grasslands just waiting to be explored, there’s also the risk of tick-borne diseases. Regular parasite prevention and checking your pet for tick bites are great ways to spare your pet from illness and your wallet from expensive vet bills.

South Dakota can also experience harsh winters. The deicers and antifreeze used to help make sidewalks and driveways more accessible can be poisonous to pets — whether they ingest it directly from the ground or from licking their paws after being outside.

All of these risks can mean an unexpected trip to the vet and a bill to go with it. Having a MetLife Pet policy can help you make pet care costs more affordable.

Woman kisses her dog in the mountains

Why Choose a MetLife Pet Insurance Policy?

There are plenty of pet insurance providers and plans on the market. And if you’re looking for the best pet insurance in South Dakota, you may want to consider MetLife Pet. Winner of the “Pet Insurance of the Year” award at the 2023 Pet Independent Innovation Awards, MetLife Pet offers customizable coverage and benefits that can help protect your pet and your budget.

Here are some of the things South Dakota pet parents may benefit from when choosing one of our policies:

  • A 0-day waiting period for accidents, and optional preventive care coverage with a 14-day waiting period for illnesses2
  • The only family plans to cover up to three pets with a shared deductible3
  • No networks, so you can choose any licensed vet across the country
  • Deductible discounts and yearly savings for eligible policyholders4,5,6
  • Reimbursement for covered services, typically in 10 days or less

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

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

At MetLife Pet, we know your pets' needs are as unique as each of them — which is why we strive to provide the most coverage while limiting exclusions. Your exact coverage depends on the specific policy you choose, but our cat insurance and dog insurance policies can typically cover the following:

  • Exams
  • Surgeries and hospitalizations
  • Prescriptions
  • Diagnostic testing (including ultrasounds, lab work, and X-rays)
  • Accidents and illnesses

How Much Is Pet Insurance in South Dakota?

When you enroll in a pet insurance policy, you pay a monthly premium and can get up to 90% of covered expenses reimbursed.7 So how much does pet insurance cost? A MetLife Pet policy can start as low as $9 per month for one cat and $15 per month for one dog.8 Your specific premium depends on a few factors.

Where you live can impact the cost. Pet parents near more populated areas, like Mitchell or Aberdeen, may have higher premiums than those that live in smaller areas, like Hill City or Menno. Cost can also depend on your pet’s age, breed, sex,9 and species, as well as the kind of coverage you choose. You can see your personalized rates by getting a free quote in a few steps.

Pet Insurance Claims We Paid in the Mount Rushmore State

To showcase the value of having pet insurance, and help you decide if it’s worth it for you, take a look at some real life claims. MetLife Pet helped these South Dakota pets get the care they needed while sparing their owner’s wallets from expensive vet bills:10

  • Nearly $490 paid — This helped cover almost the entire cost of a 5-year-old toy poodle’s dental cleaning for periodontal disease near Sioux Falls, SD.
  • About $90 paid — This covered a portion of a Pembroke Welsh corgi puppy’s neuter procedure near Rapid City, SD.
  • Over $70 paid — This helped pay for a 2-year-old domestic short hair cat’s routine vet exam in Sioux Falls, SD.

If You Live in South Dakota, Consider Insuring Your Pet

Having pet insurance can help make vet bills more affordable. From an unexpected illness to a routine check-up, help keep costs low and spirits high with a MetLife Pet Insurance policy. With no breed or age restrictions, you can get your pet the care they need, when they need it, and through their golden years. Start by getting a personalized quote today.

Pet Insurance Can Help Cover
Pet Injury & Illness Costs

There is no substantive difference between a MetLife Pet Insurance policy in South 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 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.

3 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.

4 A discount is applicable to staff/owners of animal care facilities. Not available in NY.

5 Discount may not be available in all states. A discount is available to Healthcare Workers, First Responders, and serving and retired members of the Armed Forces.

6 Your pet’s deductible automatically decreases by $25 (IAIC policies) or $50 (MetGen policies) each policy year that you don’t receive a claim reimbursement. May not be available in all states.

7 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.

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).

Disclosure for Maine Residents

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