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Insuring Your Pet in Nevada

Embrace provides coverage for your pet whether you visit a neighborhood vet in Carson City, Las Vegas, or anywhere else in Nevada.

Why Pet Insurance is Important in Nevada

Pet insurance provides invaluable peace of mind for any pet owner by preparing them for unexpected veterinary costs. This financial protection is especially crucial for residents of Nevada, where pets face distinct regional health challenges. For those in the Silver State, a highly-rated provider like Embrace Pet Insurance offers excellent options for coverage. From the scorching desert heat to encounters with native wildlife, having a policy ensures you can prioritize your pet's health without financial hesitation.

coyote

Wildlife Encounters

Nevada’s vast desert is home to unique dangers. A curious nose can meet the venomous bite of a rattlesnake or scorpion, or face a threat from a coyote, leading to an emergency requiring immediate, expensive veterinary care.

heatstroke

Scorching Heat

The desert heat is relentless. Sun-baked asphalt can cause severe burns to paw pads in seconds, while the intense temperatures put all pets at high risk for dehydration and deadly heatstroke.

cactus

Desert Flora

Nevada's rugged landscape is dotted with cacti and other spiny plants. A moment of curiosity can leave a pet's face, paws, or body covered in painful, embedded barbs. Professional removal is often necessary, sometimes requiring sedation to safely extract the spines.

Embrace Pet Insurance Has You Covered for:

Unexpected vet bills can be stressful, but with Embrace pet insurance you don’t have to choose between your pet and your savings. Over 90% of Embrace customers surveyed agreed that pet insurance extended their pet's life.

  • checkmark icon used as a list bulletSkin conditions
  • checkmark icon used as a list bulletLimping
  • checkmark icon used as a list bulletGastrointestinal issues
  • checkmark icon used as a list bulletLigament tears
  • checkmark icon used as a list bulletEar Infections
  • checkmark icon used as a list bulletSkin growths
  • checkmark icon used as a list bulletArthritis
  • checkmark icon used as a list bulletAsthma
  • checkmark icon used as a list bulletAnxiety
  • checkmark icon used as a list bulletSeizures
  • checkmark icon used as a list bulletUrinary tract infections
  • checkmark icon used as a list bulletCushing's disease
  • checkmark icon used as a list bulletLymphoma
  • checkmark icon used as a list bulletHyperthyroidism
  • checkmark icon used as a list bulletDiabetes
  • checkmark icon used as a list bulletKidney failure
  • checkmark icon used as a list bulletInflammatory bowel disease
  • checkmark icon used as a list bulletIVDD

Illnesses & Conditions

From chronic skin conditions to serious illnesses like cancer, get money back for the treatments your pet needs the most.

Accidents & Injuries

Financial protection from unexpected incidents like broken bones, swallowed objects, poisoning, and more.

dental illnessess icon

Dental Disease

Coverage for unexpected dental work, including tooth extractions, gingivitis care, and more.

See Coverage Details

How Much Does Embrace Pet Insurance Cost in Nevada

The cost of pet insurance in Nevada can vary by breed, zip code, and other factors. You can build an affordable policy with our personalized plan and available discounts. Here are some ballpark figures to give you a better idea of what cat insurance or dog insurance might cost in Nevada.

SpeciesBreedAgePremium
DogMixed Breed1$30-$35 per month
DogGolden Retriever3$35-$45 per month
DogLabrador Retriever5$70-$80 per month
CatDomestic Shorthair3$15-$25 per month

Estimates bases on internal Embrace claims data from 2025

A Golden Retriever enjoying a bath, highlighting the importance of regular grooming as part of comprehensive pet wellness plans

Wellness Care in Nevada

A wellness plan is a smart way for Nevada pet owners to budget for routine healthcare. While insurance covers emergencies, a wellness plan provides reimbursement for predictable services like annual check-ups, vaccinations, and dental cleanings. This optional add-on simplifies managing the yearly costs of keeping your pet healthy in the Silver State.

FAQs About Nevada Dog and Cat Insurance

What is the average cost of pet insurance in Nevada?

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There’s a wide range of pet insurance costs, depending on a wide variety of factors, including coverage limits. On average, our Florida pet insurance costs between $20 and $60 per month in 2025.

Which company has the cheapest pet insurance in Nevada?

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We believe honesty is the best policy, so we won’t tell you that Embrace is the cheapest in Nevada when it isn’t always. But our goal isn’t to be the cheapest, our goal is to cover more and offer the best pet protection we can. We are highly rated by our members (4.0 Google; 4.1 Trustpilot), have a 4.2-star rating from Forbes and are also highly rated by Rover, Investopedia, Money, Canine Journal and others. If you’re the type of pawrent who wants the best for their fur baby, you’ve come to the right place.

What are common risks to pets in Nevada?

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Despite its dramatic desert landscapes and rugged mountain ranges, Nevada is home to many hidden dangers to pets. In the summer months, extreme heat is a major concern, with blistering pavement capable of burning paw pads and a constant risk of deadly heatstroke. The dry, dusty soil carries the spores for Valley Fever, a serious fungal infection, while fleas and ticks are prevalent in brushy areas. If you frequent the dog park, parvovirus (which can be deadly) and kennel cough are other risks to be aware of. Additionally, Nevada has unique dangers such as venomous rattlesnakes and scorpions, encounters with coyotes, spiny cacti that can embed in skin, and sudden, dangerous flash floods in dry washes. The Silver State’s distinct environment calls for pet owners to take extra precautions to keep their furry friends safe from these hazards.

Is it worth having pet insurance for a dog in Nevada?

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For any pet parent who wants to avoid being stuck with thousands in vet bills, pet insurance offers a way to pay upfront and get paid back for covered costs later. No matter how careful we are with our pets, accidents happen, and illness is largely unpredictable.An emergency with a few zeroes behind it can lead to tough decisions, and pet insurance can save your pet’s life.If you’re contemplating pet insurance, you’re in good company. According to Nerd Wallet, the number of pet parents who opted for pet insurance has doubled since 2019.Oh, and if you’re wondering, pet insurance is likely to pay off faster than you think. More than 50% of Embrace customers submit a claim within their first policy year, based on Embrace’s claims data.

Can pet insurance be used immediately?

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Details vary, so here’s what you can expect: Whether or not you can use pet insurance immediately depends on it's effective date. All policies cover accidents from the effective start date of the policy. All polices have a 2 week illness waiting period. Most pet wellness plans, on the other hand, aren’t insurance policies and your full benefits are available from day one. Other waiting periods and exclusions vary by state. Check your policy or click here for details.

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Pet Health Insurance is administered by Embrace Pet Insurance Agency, LLC (Lic. No 0G89328) and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8) and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. Discounts may vary and are subject to change. For full terms and conditions, visit https://www.embracepetinsurance.com/coverage/embrace-terms .

Premiums are based on the current age of your pet. Premium may increase due to the age of your pet at renewal. Initial premiums may be impacted by the species or breed of your pet. Premium may change based on your home address.

Wellness Rewards is marketed and administered by Embrace Pet Insurance Agency, LLC. It is NOT INSURANCE and is not a regulated benefit. It is offered as an optional wellness membership plan. Your use of Wellness Rewards is based on an annual maximum. Your use of Wellness Rewards may result in liability for outstanding fees if you terminate your membership before the expiration of the 12-month membership period. Wellness Rewards is not available in RI. For full terms, visit https://www.embracepetinsurance.com/wellness-rewards-terms-of-service (c) 2025 American Modern Insurance Group, Inc.

CareCredit is a credit product offered by Synchrony Bank. Embrace does not own, administer, or make decisions regarding CareCredit. An affiliate of Synchrony Bank holds a minority equity interest in an affiliate of Embrace. (c) 2025 American Modern Insurance Group, Inc

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