10 Best Pet Insurance Providers in Idaho – 2024 Reviews

Investing in coverage against unforeseen vet bills cannot be emphasized enough. In 2020, the number of insured pets in the U.S. increased to from 2.5 million to 3.1 million over a year.¹ These numbers continue to grow as more pet parents seek to protect themselves from potentially overwhelming bills when their furry friends get sick or injured.

If you want to follow suit or change policies for whatever reasons, which is the right pet insurance plan to choose?

With so many options, sieving through the coverage options, policy features, and monthly premiums of different pet insurance companies can be laborious and time-consuming. Luckily, we did the detective work for you to unveil 10 top pet insurance plans in Idaho that are worth your attention in this year.

A Quick Look at Our Winners in 2024

The 10 Best Pet Insurance Providers in Idaho

1. Trupanion – Best Overall

Trupanion pet insurance tops our list since they offer a wide range of coverage, making finding the right option for your pet quite simple. If you need a plan that offers a wide selection of deductibles between $0 and $1,000, this is an insurer you must consider.

Founded in 2000, Trupanion has gained massive popularity amongst pet parents that want quality medical care without spending from their pockets. The company settles claims directly with your vet.

Even though Trupanion only provides one plan that covers nearly 90% of all eligible expenses allied with an accident or illness, its policy stands out for lacking a coverage limit. The waiting period for an accident is only five days, which is relatively shorter than other insurers.

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2. Lemonade – Best for Low Monthly Premiums

Lemonade is a well-established insurance company that offers pet, life, renters, and homeowner’s insurance policies. It was founded in 2016 and is best known for its unconventional insurance model that allows it to underwrite its policies and share part of its proceeds with charity organizations. The style of operation also ensures a faster system of approving claims.

Moreover, Lemonade is tech-forward and has a very responsive mobile app. You can file your claim in minutes and expect a quick response. Apart from the comprehensive policy that covers illnesses, diagnostics, and accidents like poisoning and broken limbs, you can choose from two other plans or customize your policy with a wide range of add-ons.

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3. Pumpkin

Pumpkin Pet Insurance offers affordable, comprehensive plans that cover the basics and extras like dental treatment and coverage for healed pre-existing conditions. It stands out for having no maximum age limit and provides policies for all dog and cat breeds. With a broad selection of coverage options, pet parents can ensure proper cushioning from potential vet bills without paying high add-on fees.

Finding pet insurance coverage for an older pet can be an uphill task. We choose Pumpkin pet insurance as our favorite because you can enroll your furry friend, irrespective of breed or age. The plans also provide reasonable cushioning because of its 90% reimbursement option for all plans. This is pretty beneficial if your pet has more age-related medical needs.

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4. Nationwide

Nationwide pet insurance has over 90 years of experience in the industry. While it started as an auto insurer, it is today one of the most popular pet insurers in the county. One of its major perks is its reliable coverage for unconventional pets. Apart from covering cats, dogs, and horses, it offers an Avian & Exotic Pet plan for feathered friends, sugar gliders, chinchillas, etc.

You can choose from four unique pet policies, including a wellness plan, whole pet plan, and a major medical plan that covers chronic conditions, hospitalization, genetic conditions, and surgery. The main downside is animals with pre-existing conditions are not eligible for coverage unless an ailment is considered healed for at least six months.

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5. ASPCA

ASPCA (The American Society for the Prevention of Cruelty to Animals) is best known for its campaigns to end animal cruelty. This nonprofit organization also provides pet insurance and is among the few companies that offer coverage for pets with hereditary or genetic ailments. The only catch is that coverage is not extended to pre-existing conditions that pop up before the coverage begins.

ASPCA offers a 14-day waiting period for accidents and illnesses. While the period is reasonable for ailments, it is somewhat long for accidents. Notwithstanding, plans offer flexibility because you can choose from various deductibles, reimbursement options, and maximum annual limits.

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6. Embrace

Embrace pet insurance does not offer the cheapest plans, although there are easy ways to lower your annual premiums. For instance, you can save $50 each year you do not file a claim. Pet parents also enjoy choosing from more annual coverage options between $5,000 and $30,000. This ensures coverage for expensive treatments like surgery or rehabilitation after an accident.

Most importantly, pets up to 15 years old are eligible for coverage. Even though the company does not offer illness plans for pets above this age, you can still purchase a plan for accidents only. Compared to most insurers who don’t allow coverage for pets older than 10 years, Embrace offers an excellent deal for pet parents with older furry friends.

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7. Figo

Figo pet insurance, founded in 2013, offers one of the broadest coverage options. Depending on your pet’s needs, you can seek coverage for non-routine dental treatments, cancer, orthopedic conditions, and more. Furthermore, the company has a well-designed mobile app with plenty of features to make managing your furry friend’s health and wellbeing a breeze.

Another exceptional perk is that Figo offers more than the standard 90% reimbursement option. You can opt for up to 100% reimbursement to ensure you don’t have to spend a dime from your wallet if your pet falls ill or is injured.

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8. Healthy Paws

Healthy Paws pet insurance offers policies focused on accidents and injury. The offerings are straightforward, with annual limits, lifetime limits, or claim reimbursement caps per incident. Moreover, the claims process is a breeze because you don’t need to fill out claim forms. The claim processing period takes about 10 days on average.

Among the major trade-offs is that the company only offers policies for canines and felines. Moreover, there is a 15-day waiting period for illnesses and injuries and up to 12 months for hip dysplasia.

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9. Hartville

Hartville pet insurance, founded in 1997, offers reliable plans for cats and dogs aged at least eight weeks. While it’s comprehensive, accident-only, and accident and illness policies are pretty standard, it offers two different preventative care plans.

You can opt for basic or prime preventative care plans depending on your pet’s needs. Both packages provide a fixed amount for specific treatments per year. You can benefit from coverage for vaccinations, diagnostics, dental cleaning, neutering, etc.

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10. Geico

If you are on a budget and need an affordable and customizable pet insurance plan for your cat or dog, Geico is one of the top insurers. There are well-packaged plans for just about any price range, making it easier to find coverage that suits your budget.

Generally, policies from the company are best for young, healthy furry companions. If you have an older pet or one with extensive medical needs, there are better insurers to cater to your needs.

Buyer’s Guide: Choosing the Right Pet Insurance Provider in Idaho

We used specific parameters to score different pet insurance companies and unveil some of the best plans available in Idaho. Apart from the monthly premiums, we also considered plan benefits like coverage level, flexibility, and customer support quality.

Here is a simple guide to help you find a plan that’s ideal for you and your furry friend.

Policy Coverage

The ideal pet insurance plan may depend highly on the coverage level you want.

Some plans provide comprehensive coverage, shielding you against vet bills arising from accidents, illnesses, and even dental concerns. On the other hand, some policies are only ideal for keeping costs reasonable in case of accidents. You can also find convenient crossbreeds of basic and comprehensive pet insurance plans, ensuring you get just enough coverage for what’s important.

Pet insurance providers offer four main coverage levels:

Comprehensive Coverage

Comprehensive pet insurance policies cast a wide net to cushion you from financial burdens in case of illnesses, accidents, genetic ailments, or behavioral issues. The policy also covers preventative care like routine checkups and vaccinations. Such plans give you confidence that even if the worst happens, ensuring your furry buddy receives the best care will not cost you a fortune.

Accident-Only Coverage

The accident-only plan is often the most affordable and offers a fixed sum of money whenever your pet is injured in an accident. While it is cheaper, you should beware of the financial cap on payouts. Also, the policy does not cover illness-related vet bills, which often make up the greater fraction of claims in any pet insurance company.

Accident & Illness Coverage

You should consider accident and illness coverage if you want a pet insurance policy ranking between a basic and comprehensive plan. It offers protection from accidents and ailments, including genetic illnesses, common conditions, and serious diseases like diabetes and cancer. However, you must foot bills for preventative care, including vaccinations and annual checkups.

Wellness Care Add-Ons

This type of policy is also known as preventative or routine care coverage. It is an optional coverage that you can include in your regular plan for a small premium. It covers routine care expenses like vaccinations, fecal tests, flea treatments, heartworm prevention, and annual veterinary clinics.

Price of Policy

The price of a pet insurance plan can vary from one client to another because each pet parent has unique coverage needs. Apart from the regular rates of an insurance company, other factors that influence pet insurance quotes include the age of a pet, its breed, gender, and the policy details.

You can compare insurance quotes based on four essential aspects:

Annual Maximum Coverage

Pet insurance policies typically have a cap on how much your insurer can pay for vet bills annually. While some plans offer an unlimited payout, others deliver a maximum of $5,000. The former arrangement will increase your monthly premiums, although you don’t have to pay a dime from your pocket if something goes wrong.

Deductibles

You can start using your pet insurance plan only after you have settled the annual deductible amount of a policy in veterinary expenses. Depending on your insurer, the yearly deductibles can range between $100 and $1000. Some companies impose per-incident deductibles, meaning you have to settle a new deductible after each insurance claim.

Generally, annual deductibles are easier on the wallet. You will also likely save more money in the long haul by choosing the highest possible deductible and paying lower monthly premiums.

Reimbursement Percentage

The reimbursement percentage is the fraction of the vet bills your insurer will pay after you have settled your annual deductible. It could be anywhere between 70% and 100%. A low reimbursement percentage can attract lower monthly premiums, although you will be responsible for more out-of-pocket care expenses.

Annual or Monthly Premiums

You must pay an annual or monthly premium to maintain your pet insurance policy. You will likely pay a higher premium when a plan offers more coverage. Typically, the cost of premiums can also vary depending on the deductible and reimbursement percentage you choose.

Claim Repayment

Another crucial aspect to consider when choosing pet insurance is the claim repayment processes of various companies. Irrespective of how good a plan sounds, it is not good enough if the claim filing process is lengthy or time-consuming. Choosing a company with a smooth claim filing and fast reimbursement process is imperative.

Plan Customization

Plan customization allows you to get reliable coverage for your pet while keeping your premiums in check. Apart from preventative care coverage, it also makes sense to ensure your insurer allows optional add-ons. Companies offering more options for annual limits, deductibles, and reimbursement rates also provide better plan flexibility.

Customer Service & Reputation

When it comes to pet insurance, the quality of customer service offered by an insurer matters a lot. Companies with feature-packed websites, highly responsive mobile apps, and those that provide 24/7 veterinary assistance helplines offer a better overall customer experience.

Furthermore, you will likely love your experience working with insurers with high ratings with bodies like the BBB (Better Business Bureau). Other aspects that may influence the reputation of a pet insurance provider include years of experience, accessibility to local branches, and policies governing the claims filing process.

FAQs

The unfortunate reality is that accidents and illnesses happen. If you are looking to invest in a pet insurance policy, here is more information to help you make an educated decision.

What Is the Best and Most Affordable Pet Insurance?

The best pet insurance plan highly depends on your budget and the coverage you deem necessary for your pet. However, we picked Pumpkin Pet Insurance as our best overall because of its affordability, flexibility, and ease of filing claims.

How Much Does Pet Insurance Cost in Idaho?

Pet insurance coverage costs in Idaho vary from client to client. Comprehensive coverage costs vary between $40 and $60 monthly, while other types of policies cost between $15 and $30 monthly. Other factors that will influence your insurance premiums include your deductibles, the payout cap, age, and the current health profile of your pet.

Which Pet Insurance Provider Has the Best Consumer Reviews?

Lemonade pet insurance stands out for having a non-traditional style of operations. It keeps a flat fee from the premiums and uses a decent fraction of the remainder to settle claims. What remains of the money is donated to nonprofit organizations voted by the customers. This consumer-centric operation has earned the company many stellar customer reviews.

What Coverage Will I Get From My Pet Insurance?

There are different types of policies, and your chosen plan will significantly determine your coverage range. Generally, pet insurance policies can cover ailments, accidents, and wellness visits. However, most policies exclude pre-existing conditions, and you must make an out-of-pocket investment for cosmetic procedures like grooming or correcting cropping ears.

What the Users Say

We searched different platforms to find out what real users have to say about their pet insurance providers.

Which Pet Insurance Provider Is Best For You?

Your right pet insurance provider will depend on your needs and budget. Other aspects that may influence your choice of insurer include the age and breed of your pet.

For instance, a great pet insurance provider is Nationwide if you have an exotic pet like a parrot. If you don’t want to tap into your savings to pay for vet visits, it makes better sense to settle with Trupanion. It is imperative to make all-rounded decisions to find policies and coverage plans that align with your needs and preferences.

Conclusion

Choosing a pet insurance plan in Idaho is a very personal quest. With a proper plan, you are assured of giving your furry friend the best medical care possible without worrying about large unexpected vet bills.

We thoroughly analyzed 10 reputable pet insurance providers and weighed their premiums, benefits, and extras. Even though plans vary from client to client or depending on your personalized needs, we hope you can now pick an option from a well-informed perspective.

Related Reads:

• Best Pet Insurance Providers In California
• Best Pet Insurance Providers in Michigan

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Featured Image Credit: thodonal88, Shutterstock