Pet Insurance in Red Wing, Lake City, Ellsworth & Lutsen

Because Every Pet Deserves Protection and Care

Let's Talk About Your Future

Our pets are more than companions—they’re family. From daily walks to late-night cuddles, they’re part of every moment that makes a house a home. That’s why pet insurance has become a vital part of responsible pet ownership. At MBA Insurance Services, we help families across Minnesota and Wisconsin protect their pets with comprehensive coverage that fits both their needs and their budget. With the right policy, you’ll never have to choose between financial strain and your pet’s health.

What Is Pet Insurance?

Pets have doctor bills just like humans do. Pet insurance helps to cover the majority of those vet bills, so you can keep them as healthy and cared for as possible. Most policies typically cover up to 90% of the bill, allowing you to give them the full attention they need.

Why Pet Insurance Matters

Veterinary costs continue to rise each year, and even routine visits can add up quickly. An unexpected illness or injury can result in thousands of dollars in medical bills, putting stress on families during already difficult times. Pet insurance gives you peace of mind by helping cover these expenses, allowing you to focus on what truly matters—your pet’s recovery.

A single emergency surgery can easily exceed $3,000. With pet insurance, you could be reimbursed for up to 90% of that cost, turning what could have been a financial crisis into a manageable situation. Whether it’s an accident at the park or a chronic condition that requires long-term care, pet insurance ensures your furry friend receives the attention they need without compromise.

What Does Pet Insurance Cover?

Every pet has unique health needs, which is why MBA Insurance Services partners with multiple carriers to offer flexible pet insurance plans. Most policies cover:

  • Routine wellness care, such as checkups, vaccinations, and dental cleanings.
  • Chronic or long-term conditions, including allergies, arthritis, or diabetes.
  • Emergency treatment for accidents or sudden illnesses.
  • Prescription medications and specialist care when your pet needs extra help.
  • Optional add-ons, like coverage for alternative therapies, behavioral care, or travel protection for pets that join you on the road.

 

By choosing a plan that aligns with your pet’s age, breed, and lifestyle, you can provide lifelong protection and minimize unexpected financial surprises. MBA Insurance Services offers pet insurance for dogs, cats, birds, and exotic animals.

How Pet Insurance Works

Getting started with pet insurance is simpler than most pet owners realize. Here’s how it typically works:

  1. Choose a plan that fits your pet’s health needs and your budget.
  2. Visit your vet as you normally would when your pet needs care.
  3. Submit your claim—most companies allow online or mobile submissions.
  4. Get reimbursed, often up to 90% of eligible costs, directly into your account.

 

You continue to choose your own veterinarian, and claims are processed quickly, so you can focus on your pet—not paperwork.

Why Choose MBA Insurance Services for Pet Insurance

At MBA Insurance Services, we know your pets are family. As a local, independent insurance agency serving Red Wing, Lake City, Ellsworth, and Lutsen, we provide personal service that national online insurers simply can’t match. Our experienced agents take the time to understand your pet’s unique needs, your budget, and your preferences.

Here’s what sets us apart:

  • Local Expertise: We understand Minnesota and Wisconsin pet owners and the health challenges pets face in our region.
  • Multiple Carrier Options: As an independent agency, we’re not limited to one provider—we find the best fit for you.
  • 24/7 Support: Talk to a real person any time you need help with a claim or policy question.
  • Trusted Reputation: For decades, families across our communities have trusted MBA Insurance Services to protect what matters most—from homes to pets.

When you work with us, you’re not just getting a policy—you’re gaining a partner who truly cares about your pet’s well-being.

Give Your Pet Their Best Chance at Life & the Protection They Deserve

Your pets give you unconditional love every day. With pet insurance from MBA Insurance Services, you can give them the care they deserve—without worrying about cost. Contact our local team in Red Wing, Lake City, Ellsworth, or Lutsen today for a free quote and personalized guidance. Let us help you find a pet insurance plan that keeps your furry family members healthy and happy for years to come.