Reno Pet Insurance Guide

Help protect your biggest little kitty (or puppy) in the world.

Team LemonadeTeam Lemonade
pet insurance in Reno

Reno, Nevada, is a lively and dynamic city surrounded by stunning natural landscapes, making it an ideal place for pet owners to raise their furry companions. As a pet parent in Reno, it’s crucial to consider investing in pet insurance to ensure your four-legged friend receives the best possible health care, regardless of the circumstances.

The city’s diverse climate encourages outdoor activities, increasing the likelihood of your pet encountering pests like fleas and ticks or being exposed to temperature-related illnesses. Pet insurance can help cover the costs of treatments for such health issues, ensuring that your furry family member remains healthy and happy.

What’s the best pet insurance in Reno, NV?

Pet insurance helps cover your vet bills. You pay a monthly premium to the insurer, which allows you to care for your furry family members without stressing your wallet.

Lemonade pet insurance provides multiple ways to tailor your policy with various coverage options:

The basics

Initially, a basic Lemonade pet health insurance policy aids in covering the expenses of medication, tests, and treatments in case of an unexpected accident or illness for your cat or dog.

Preventative care

A basic policy is great for unforeseen events in your pet’s life, but Lemonade also provides preventative care packages to maintain your pet’s health and cover routine costs like check-ups and dental cleanings. 

Adding this package to a Lemonade policy grants coverage for numerous services—such as annual blood tests, vaccinations, wellness exams, and more. Some exclusions may apply. It’s also important to remember your policy’s co-insurance (which you won’t get reimbursed for), and the limits for each type of expense.

Lemonade offers Preventative, Preventative+, and Puppy/Kitten Preventative packages. Based on your pet’s age, these packages help cover the costs of services like spaying/neutering, vaccinations, microchipping, and flea and tick treatments.


Additionally, customize your Lemonade policy with a combination of optional add-on coverages, including: physical therapy, vet visit fees, dental illness, behavioral conditions, and end-of-life and remembrance—easing the financial burden of costly treatments, services, and vet visits.

How does Lemonade pet insurance work?

Here’s an example of how Lemonade pet insurance operates:

  1. Purchase a policy. Answer a few brief questions about your Frenchie, Delilah, and create your pet’s policy with the help of our user-friendly AI chatbot. Your monthly premium is determined by customizable factors such as your annual deductible, co-insurance, and annual plan limit. (For a deeper understanding of how pet insurance functions, explore our guide to building your ideal policy.) Lemonade pet insurance costs can start as low as $10/month.
  2. Visit the vet. You notice Delilah has a deep cut on her back when you leave the dog park, so you take her to the vet. The examination and a few weeks of bandage changes comes out to $1,500. However, pet insurance coverage helps take a bite out of your fur fam’s medical expenses. Learn more about our coverage here.
  3. Receive reimbursement. With Delilah recovering, you file a claim on our app and receive your reimbursement from Lemonade, based on the coverages you included on your policy.

Keep in mind: There is a certain amount of time after you purchase a policy that you’re required to wait until your pet is eligible for reimbursement on specific conditions. In insurance jargon we call this period of time a waiting period. But you should never delay your pet’s treatments according to your policy’s waiting periods.

It’s also essential to remember that as your dog ages, they’ll need more veterinary care and treatments, which is why obtaining pet insurance early is beneficial. 

If you try to insure your 13-year-old dog for the first time, they might be declined due to age or have pre-existing conditions not covered by insurance. But if you enroll your new puppy in a Lemonade policy as soon as they turn two months old, you can continually renew their policy as they age.

Top pet-friendly parks in Reno

Reno is a haven for pet parents and their fur fam. Explore some of the top pet-friendly spots in Reno with your four-legged companion:

  • Whitaker Park: This park features a fenced-in dog area where your pooch can socialize and exercise off-leash.
  • Rancho San Rafael Regional Park: With trails and open spaces, this park is perfect for on-leash walks and picnics with your pets.
  • Truckee River Walk: Stroll along the river with your leashed pet, enjoying the sights and sounds of downtown Reno.
  • Biggest Little Dog Park: This downtown dog park offers separate areas for small and large dogs, plus agility equipment for extra fun.

Top pet-friendly hikes around Reno

Reno is surrounded by beautiful landscapes, making it a great place to explore with your canine companion (or your outdoorsy cat). Check out some of the top pet-friendly hiking trails in the area:

  • Hunter Creek Trail: This moderate 6.4-mile round-trip hike leads to a picturesque waterfall. Dogs are allowed on this trail but must be kept on a leash.
  • Galena Creek Park: With several interconnected trails, this park offers various hiking options suitable for different fitness levels. Dogs are welcome but must be on a leash at all times.
  • Jones Creek and Whites Creek Loop: Located in the Mt. Rose Wilderness, this 9.2-mile loop offers stunning views of the surrounding mountains and valleys. Dogs are allowed on this trail but must be leashed.
  • Huffaker Hills Trailhead: This trail system offers various short and moderate loops with beautiful views of Reno and the surrounding area. Dogs are welcome on these trails, as long as they are kept on a leash.
  • Steamboat Ditch Trail: Running along the historic Steamboat Ditch, this trail offers an easy, flat walk with views of the city and nearby mountains. Dogs are allowed but must be on a leash.

Remember to bring enough water (and treats) for both you and your four-legged hiking companion, and make sure to clean up after your pup to maintain a tail wagging experience for all hikers.

Support local pet shelters in Reno

Caring for furry companions extends beyond the home in Reno. There are several organizations that are committed to improving the lives of pets, offering rescue, rehabilitation, and rehoming services, including:

  • Nevada Humane Society: As one of the largest and most prominent shelters in the region, the Nevada Humane Society focuses on finding loving homes for pets, promoting animal welfare, and providing low-cost services like spaying and neutering.
  • SPCA of Northern Nevada: This non-profit organization is dedicated to rescuing, rehabilitating, and rehoming pets in need. They also offer educational programs to promote responsible pet ownership and community engagement.
  • Pet Network Humane Society: Located in nearby Incline Village, this organization is committed to saving and improving the lives of pets through adoption, rescue, and community programs. They provide shelter, medical care, and behavioral training for animals in need.
  • Res-Que: Focused on rescuing dogs from high-kill shelters, this Reno-based organization fosters pets until they can be placed in forever homes. They also work to educate the public about responsible pet ownership.

Great independent pet businesses in Reno, Nevada

Support local businesses and find unique products and services for your furry friend at these top independent pet shops in Reno:

  • Healthy Tails: Specializing in all-natural pet food and treats, this store helps promote your pet’s optimal health and wellness. 
  • Scraps Dog Company: Offering pet supplies, grooming services, and self-wash stations, Scraps Dog Company is a one-stop-shop for dog owners. 
  • Pawsitive Connection: This training and behavior center provides group classes and private consultations to help your pet become a well-mannered family member. 
  • Bones-N-Scones: Treat your pet to a gourmet experience with homemade pet treats, birthday cakes, and other goodies from this bakery. 

Some dangers outdoor pets may face in Reno

Keep your pet protected from these perils (and know that pet health insurance can help in the case of many accidents and injuries your cat or dog might encounter while roaming outdoors in Reno).

  • Coyotes: These adaptable predators can be found in urban and suburban areas, including Reno. They may prey on small pets left unattended in yards or during walks, especially during dawn and dusk when they are most active.
  • Birds of prey: Hawks and owls are native to the Reno area and can pose a threat to small pets, particularly when left unsupervised outdoors. These raptors have been known to snatch small animals, including cats and small dogs.
  • Snakes: Reno is home to various—mostly harmless—snake species, but it’s important to be prepared for venomous ones, like rattlesnakes. Pets may accidentally encounter these snakes while exploring outdoors, leading to potentially dangerous bites. Check out how you can help prevent your pooch from getting bit by a snake here.
  • Fleas and ticks: Warm weather in Reno encourages the proliferation of fleas and ticks, which can infest your pet and transmit diseases such as Lyme disease and Rocky Mountain spotted fever.
  • Extreme temperatures: Reno’s climate can be extreme, with hot summers and cold winters. Pets left outside without access to shade or water are at risk of heatstroke, which can be fatal if not treated promptly. Similarly, pets can suffer from hypothermia during the winter months.
  • Poisonous plants: Some plants commonly found in Reno, like the Death Camas, can be toxic to pets if ingested. Outdoor pets may be tempted to chew on these plants, leading to severe health issues.
  • Traffic: Pets roaming freely outdoors in urban and suburban areas of Reno face the danger of being struck by a vehicle. It is essential to keep pets leashed or supervised in securely fenced yards to minimize this risk.

A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage may not be available in all states.


Please note: Lemonade articles and other editorial content are meant for educational purposes only, and should not be relied upon instead of professional legal, insurance or financial advice. The content of these educational articles does not alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. While we regularly review previously published content to ensure it is accurate and up-to-date, there may be instances in which legal conditions or policy details have changed since publication. Any hypothetical examples used in Lemonade editorial content are purely expositional. Hypothetical examples do not alter or bind Lemonade to any application of your insurance policy to the particular facts and circumstances of any actual claim.