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9 Best Pet Insurance Providers in Iowa – 2024 Reviews

Nicole Cosgrove Profile Picture

By Nicole Cosgrove

Pet Insurance for in the tablet

Pet insurance is something worth considering if you’re looking for ways to protect your furry family members in case of an emergency or accident. It can greatly minimize any treatment cost that they may incur.

Regular veterinary expenses can quickly add up, placing a huge dent in your monthly or yearly budget.

This is where pet insurance can help make your life a bit easier. There are more pet insurance providers these days than ever before and many of the providers have plans that can fit even the tightest budget.

In this review, we’re going to go over our top picks for pet insurance providers in Iowa and give a quick overview of each one.

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A Quick Look at Our Winners in 2024

Rating Image Product Details
Best Overall
Winner
Lemonade Insurance Lemonade Insurance
  • Low plan options
  • Wide coverage range
  • Fast claim payout
  • Second place
    Spot Insurance Spot Insurance
  • Includes 30-day money-back guarantee
  • Has Wellness Plan options
  • No pet age limits
  • Third place
    Embrace Insurance Embrace Insurance
  • Plans are comprehensive
  • Includes some pre-existing condition
  • Offers dental coverage
  • Pawp Insurance Pawp Insurance
  • Provide Telehealth support
  • Affordable monthly plans
  • Plan costs not based on age/breed
  • Prudent Pet Insurance Prudent Pet Insurance
  • 30-day money-back guarantee
  • Multi pet discount
  • Full coverage plans
  • The 9 Best Pet Insurance Providers in Iowa

    1. Lemonade Insurance – Best Overall

    lemonade pet insurance

    Lemonade began offering pet insurance back in 2015 and they’ve been going strong ever since. They’re one of the largest providers of full coverage pet insurance and are based in New York City. Lemonade has quite a few options for pet owners and a range of three endorsement percentages, coverage limits, and deductibles.

    They even offer “exotic” treatment reimbursement for things like acupuncture and therapy that can be covered under their plans. If you’re looking for a thorough preventive package for your dog or cat, they may be a well-suited option. This provider covers everything including routine vet care, vaccines, dental work, and regular checkups. They’re currently offering insurance in 35 states and the average monthly plan is about $20.

    Pros
    • Low plan options
    • Wide coverage range
    • Fast claim payout
    • Convenient mobile app
    Cons
    • Limited US coverage

    2. Spot Insurance

    Spot Pet Insurance

    Spot insurance is one of the most inexpensive pet insurance providers you can find. They have a couple of different wellness plans available, one even starting at just $10 a month. Spot also has traditional pet insurance coverage with reimbursement for things such as vaccinations, wellness exams, dental operations, and surgeries.

    You can expect to pay anywhere from $30 to $40 a month for pet insurance for your dog and cat so it will fluctuate based on the age of the pet. Spot also offers coverage for prescription medications, surgeries, exam fees, microchipping, and a host of other things that you may not expect. This provider also has different discounts, including a multi-pet discount of 10%.

    Pros
    • Includes 30-day money-back guarantee
    • Has Wellness Plan options
    • No pet age limits
    Cons
    • No exotic animals

    3. Embrace Insurance

    embrace pet insurance

    Embrace is another great pet insurance option available for dogs and cats. They offer comprehensive packages and include many serious conditions such as congenital diseases, chronic issues, major surgeries, and extended hospitalization.

    Embrace also includes coverage for diagnostic tests and behavioral therapy. If you’re looking for a complete coverage package for your pet, Embrace is a great insurance provider to consider. Embrace also offers military discounts and discounts for pet owners who have multiple pets–though they don’t cover exotic animals.

    They do provide some coverage options for certain curable pre-existing conditions, and they have a 3-tier wellness plan option that you can exercise as well. Overall, their plans range anywhere from $17 to about $35 per month.

    Pros
    • Plans are comprehensive
    • Includes some pre-existing condition
    • Offers dental coverage
    • Has Wellness Plan options
    Cons
    • Imposes annual coverage max outs
    • May be a waiting period

    4. Pawp Insurance

    Pawp

    Pawp is a great Insurance reminder to consider if you are looking to keep your costs down. They also have great emergency care insurance options for pet owners. They are a bit different from other providers as they only cover accidents. For example, they cover things like choking, poisoning, external injuries, choking, and digestive blockages.

    With their plans you don’t have to worry about any deductibles or copays, you simply submit your claim for the reimbursement.

    The downside to this type of coverage is that they only allow a maximum of $3,000 worth of coverage each year. So, if you have a pet that’s prone to accidents, this may not suffice. Pawp plans can start as low as $19 a month and they also telehealth visits with licensed veterinarians.

    Pros
    • Provide Telehealth support
    • Affordable monthly plans
    • Plan costs not based on age/breed
    Cons
    • Low Max limit
    • Not comprehensive
    • $3,000 annual maximum limit
    • No preventative care coverage

    5. Prudent Pet Insurance

    Prudent Pet Pet Insurance

    Prudent is one of the more recent pet insurance providers as they’ve offered their services since 2018. They have a great rating from the BBB and offer full coverage plans for pets. One of the best things about Prudent is the ability that owners have to customize their coverage plan, and this includes annual deductibles, reimbursement percentages, and other options.

    They offer coverage for cats and dogs and have unlimited benefit options for illnesses and accidents. Prudent doesn’t cover any natural or herbal therapies, and they won’t cover any prescription diet foods. But, they do have affordable plans, with some going as low as $10 a month and others as high as $40.

    Prudent also doesn’t cover any exotic animals at the moment, nor do they have a mobile app for convenience–but you can make claims through your mobile phone. This provider does offer a multi-pet discount of 10%, vet telehealth services, and they also have a 30-day money-back guarantee.

    Pros
    • 30-day money-back guarantee
    • Multi pet discount
    • Full coverage plans
    • Low monthly rates
    • Unlimited annual benefit option
    Cons
    • No exotics
    • No mobile app

    6. Pumpkin Insurance

    Pumpkin Pet Insurance_Logo

    Pumpkin may not be as popular as some of the other providers on this list, but they’re definitely worth considering if you’re looking for a comprehensive insurance plan for your pet. Pumpkin offers its own version of wellness plans, though it’s referred to as a “Preventative Essential Pack”. This plan covers routine vet care, blood work tests, vaccinations, wellness exams, and parasite detection.

    One of the greatest things about their offerings is that they have a 90% reimbursement rate for all the plans. However, they do have common insurance exclusions such as pre-existing conditions, cosmetic services, and dental cleanings.

    Their yearly limit options are anywhere from $1000 to $2000, which may not be a lot if you have a pet breed that is susceptible to health issues or a pet that’s older. You can expect to pay about $40 to $50 a month for Pumpkin’s plans.

    Pros
    • Has wellness plans
    • No pet age limits
    • Plans are comprehensive
    Cons
    • Low annual limits
    • No dental coverage
    • No pre-existing conditions

    7. ASPCA Insurance

    ASPCA Pet Health Insurance

    ASPCA it’s probably the most well-known insurance provider due to its partnership with the American Society for the Prevention of Cruelty to Animals. This provider has been around for quite some time and offers full coverage for routine pet care, exams, deworming treatments, dental cleanings, treatments, prescriptions, and physical therapy.

    They also offer reimbursement for behavioral problems and some hereditary conditions. On average, you can expect to pay about $30 to $50 for insurance with ASPCA and their plans are comprehensive.

    Unfortunately, they don’t cover any pre-existing conditions, but they do offer different wellness plan options and have a multi-pet discount available. They also have A 30-day money-back guarantee for you to try the program out initially.

    Pros
    • Has wellness and full coverage
    • 30-day money-back guarantee
    • Low-cost insurance
    • Includes micro-chipping
    • Has a member claim app
    Cons
    • Long wait periods
    • No exotic pets

    8. Bivvy Insurance

    Bivvy Pet Insurance

    Bivvy is another provider that may not be as popular as some of the others on this list. However, they have created a niche in the market with their low monthly plans (some starting as low as $15 a month) for both dogs and cats.

    The provider offers pretty simple plans for accidents and illnesses. Their application process is pretty straightforward, and your pet can have coverage and as little as 2 days if you sign up for a wellness program. They don’t base their premiums on gender, age, or breath, and as your pet ages, you don’t have to worry about the premium increasing.

    Another great thing about this provider is that they offer wellness plans that cover things like routine wellness exams, exclamations, microchipping, deworming, and regular vet care. Some plans even go as low as $9 per month.

    They have a 14 day waiting period and a 30-day waiting period for accidents and illnesses respectively. Their comprehensive coverage plan includes ultrasounds, emergency care, orthodontic treatment, chronic conditions, X-rays, and more.

    Pros
    • Offers wellness plans
    • Very low rates
    • Comprehensive coverage options
    • Include accident and illness
    Cons
    • No dental
    • Low annual limit
    • No spaying/neutering

    9. Healthy Paws Insurance

    Healthy Paws Pet Insurance

    Healthy Paws hit the scene in 2009 and they’ve grown in terms of coverage options. They offer a 30-day money-back guarantee for you to try the plans out before committing. This provider makes claim processing easy through their online portal and mobile app.

    They have full coverage plans available and these plans include coverage for illnesses, accidents, chronic conditions, and emergency care costs. They don’t offer plans for exotic animals, only cats, and dogs. Also, they don’t offer any type of multi-pet discount or preventive care.

    So, if you’re looking for wellness plans coming this may not be the provider for you. However, their traditional insurance plans do cover things like vaccinations and other preventive care–these plans start at about $8 for cats in about $15 for dogs.

    Pros
    • 30-day money-back guarantee
    • No yearly max out
    • Easy claim submission
    • Has High ratings
    Cons
    • No wellness plans
    • No exotic pets

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

    The purpose of this pet insurance buyer’s guide is to provide you with insight into how pet insurance works and what providers typically cover. To rate our providers, we’ve created a list of criteria for each of them which includes policy details, customer service, and claims, amongst other factors. These are the factors that we believe are most important to potential customers. Below is a quick overview of each one.

    Policy Coverage

    This factor refers to the actual details of the provider’s policy. For each provider, we looked at the typical procedures that were covered, as well as common stipulations that would negate reimbursements such as pre-existing conditions or pet age.

    Customer Service & Reputation

    When it comes to pet insurance, just like any other type of insurance, customer service, and reputation plays a huge role in how potential customers perceive providers. So, for this criterion, we took a look at online reviews on different sites such as Yelp, Trustpilot, and Squarespace to get some insight into what the members were saying and what they thought about the overall quality of their insurance coverage.

    Claim Repayment

    For claim repayment, we wanted to focus on how fast claims are paid out, and the percentage of claims that are normally paid out. These percentages say a lot about a provider, and it seems to be a very important factor when pet owners are looking for insurance providers.

    Price of Policy

    And of course, there is the price. Price will always play a role when it comes to obtaining a new service, as most people are looking to fit bills into their monthly budget. Overall, most of the providers we found have plants that can be obtained from anywhere from $10 to about $50 a month–with plans for dogs being a bit higher than those of cats.

    Plan Customization

    Many providers offer plans that have different customization options regarding the deductible, annual max reimbursement, coverage options, and other details. It’s important for consumers to know what options can be exercised for pet insurance, as it can affect their monthly premium rate and coverage.

    pet insurance care concept
    Image Credit: Rawpixel.com, Shutterstock

    FAQs

    Why Should You Get Coverage for a Pet?

    Pet owners get insurance for different reasons. While some pet owners may get insurance to have coverage in case of accident or illness, some may simply want coverage for routine veterinary care. This can include coverage for things such as vaccinations, parasite detection and treatment, dental exams, and blood work. Regardless of whether you’re looking for comprehensive coverage for routine care, it’s important to understand what you can afford to pay for the insurance month to month.

    How Does Pet Insurance Work?

    It pretty much works like medical insurance does for humans. Many pet providers provide full comprehensive coverage for pets that comes with a monthly premium. In addition to this, most will also offer wellness plans that cover routine care. Before obtaining insurance, many providers will ask you about the type, breed, and age of your pet in addition to its medical history to determine what your rate will be.

    After that, they will outline their policies detailing what they are covered and what medical procedures they want covered. Once you’re approved for a plan, you’ll simply have to file a claim to have your provider reimburse you for the covered procedures.

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    What the Users Say

    Through our research, we found that pet owners seem to gravitate toward providers who offer both simple monthly plans and wellness options. Though many people prefer full coverage options, it seems that budget played a huge role in which provider they chose. Also, claim reimbursement percentage and annual maximum payout also played huge roles and how well pet owners regarded their providers.

    Which Pet Insurance Provider Is Best for You?

    Most pet insurance is dedicated to cats and dogs. And the right insurance provider for you’ll be one that offers you the type of covers that you’re looking for, be it accident and illness, or a more comprehensive plan structure. It’s this and the monthly premium rate that you should take into consideration before finalizing your provider.

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    Conclusion

    Pets can have medical emergencies and accidents just like humans. And if you are concerned about your pet’s medical bills placing a huge dent in your budget then pet insurance is worth considering.

    So, whether you’re looking for routine pet coverage or something for emergencies, it’s best to take a look at all of the major providers available, as there are more options today than ever before. Providers with great reputations such as Lemonade, Spot, and, Embrace are great places to start!


    Featured Image Credit: Rawpixel.com, Shutterstock

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