10 Best Pet Insurance Providers in Utah – 2024 Reviews

If you want to be prepared for unexpected vet bills, pet insurance is a must. Despite some common misconceptions, pet insurance isn’t expensive. Therefore, you can potentially save a lot by paying a small premium each month. Plus, there are so many options that you can often find exactly what you need for your dog.

However, all these options aren’t always a good thing. It also makes it pretty hard to determine what options are good and which ones are not. There has been a recent explosion of pet insurance companies over the last few years.

Below, we’ve reviewed the best pet insurance companies for Utah residents. Not all pet insurance companies cost the same or are available everywhere. Therefore, research for pet insurance is based heavily on your geography.

A Quick Glance at Our Favorites of 2024

The 10 Best Pet Insurance Providers in Utah

1. Embrace Pet Insurance – Best Overall

We highly recommend Embrace Pet Insurance for most looking for pet insurance. This company allows users to visit any vet and covers unexpected vet bills for injuries and illnesses. This company does offer a rider for Wellness called Wellness Rewards that works as a savings program for preventative vet care, such as routine checkups.

All dogs and cats are covered by this company. However, they do not offer any options for exotic pets.

Luckily, claims can be submitted easily through the mobile app. You don’t have to fill out paperwork or deal with mailing times. We also love that each year you don’t have a claim, your deductible decreases by $50. Therefore, for those with healthy pets, you can potentially save quite a bit of money.

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2. Lemonade

Lemonade has made a lot of waves over the last few years. Today, they are one of the cheapest pet insurance options. For those on a budget, you can’t beat them. Plus, their coverage is great, which means that you’ll be getting more for less.

On top of being quite cheap to start with, this company also has many different discounts for you to take advantage of. For instance, if you bundle more than one pet, you get a discount. Using Lemonade for more than one insurance type also gets you a discount.

This company’s coverage includes diagnostic tests, emergency services, surgery, hospitalization, and medications. Almost anything caused by an illness or accident should be covered under their plans. You can also add coverage for vet visits, which isn’t included in the base plan. They also offer a preventative package for those who want more coverage.

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3. Spot

Spot offers many different options for pet owners. On top of selecting your usual deductible and coverage choices, you can also choose between an accident-only plan and an accident and illness plan. Of course, we recommend the latter option to ensure you get complete coverage for your pet. Illnesses can be just as expensive as accidents.

Most costs associated with having a sick or injured pet are covered, including exam fees, and require rehabilitative therapy.

This company does offer two different wellness plans. These plans come with itemized annual coverage limits. Therefore, the company only pays out certain amounts for procedures. The amount of money you get back won’t be much more than you put in.

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4. Trupanion

This pet insurance company covers both accidents and illnesses for cats and dogs. Unlike some other plans, it does cover breed-specific conditions. Furthermore, they have many add-ons that you can purchase as well. For instance, one of their plans offers coverage for damages done by your dog to someone else’s property.

However, this company does not cover exam fees. They also don’t offer any wellness coverage or preventative care. So, they do have fewer coverage options than some other companies.

Still, they have many deductible options and no annual limits. You can even set your deductible as $0. However, this will raise your premium substantially.

This company has software for vets that allows them to take payment directly from the company. However, the vet has to have this software installed for this practice to work. Otherwise, you’ll have to file and wait for reimbursement like other companies.

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5. Fetch

Fetch by The Dodo is a newer pet insurance company option on the market. This policy covers everything you might need, including behavioral and physical therapy. Furthermore, vet exams are covered for accidents and illnesses. However, there aren’t any options for wellness or preventative-care coverage.

We like that this plan offers many different discounts. For instance, veterinarians, military veterans, and members of the AARP all get discounts. They also provide discounts if you adopted a pet from a shelter or rescue.

However, to renew your policy, your pet does need an annual wellness exam. Therefore, this company requires that you get the proper preventative care each year.

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6. ManyPets

Manypets isn’t as popular as other pet insurance companies out there. However, they offer very accessible and affordable coverage that can cover everything from emergency visits to preventative care. This company is one of the newer options on the market, but they have very competitive pricing. Plus, all plans have unlimited annual coverage, which means you will be reimbursed no matter how expensive your pet’s bills get.

We also love that they have a 100% reimbursement option. Therefore, you can easily set up your plan to cover most of your vet bills, though this will raise your premium.

If you’re switching from another insurer, this company reduces the wait time for accidents and illnesses to only 24 hours—they offer one of the fastest coverage options on the market.

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7. Figo

Figo pet insurance prides itself on offering a “modern” insurance option. One of their unique features is that they help customers meet up with like-minded pet parents through their app. Therefore, they also work as a social networking system on top of being an insurance company.

If you’re looking for friends for your canine, this may be a huge bonus. However, this feature tends to be a bit hit-or-miss with pet parents.

With that said, their insurance coverage is also quite good. They offer a very short waiting period for accident coverage, and they have several wellness plans available. If you choose to, you can also upgrade your plan to cover special circumstances, such as vacation cancellation due to pet emergencies.

However, there are also several things that they don’t cover, such as dental coverage and vet exam fees.

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8. Pet’s Best

Just about everyone has probably heard of Pet’s Best. This company is one of the loudest in the pet insurance industry, which is likely why they are so popular. They offer good coverage at an even better price. Plus, they have many options, allowing you to balance your deductible and premium as you need to.

The accident waiting period for new plans is only 3 days. Plus, we love that this company will pay your vet directly if they agree. Sometimes, this may result in you not needing to wait for a reimbursement.

There is a discount for multiple pets, which can help you save even more money. Plus, there are also several wellness plans available. Therefore, you can purchase a lot of coverage from this company.

However, they do have a 6-month waiting period for cruciate ligament coverage. There is also no 100% reimbursement option, so you’ll always have to pay your vet something for accidents and illnesses.

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9. HealthyPaws

HealthyPaws is similar to the other insurance companies we’ve mentioned thus far. It offers accident and illness coverage for dogs and cats. However, it doesn’t include any option for wellness coverage, which is disappointing. Therefore, if you’re looking for wellness coverage, you have to look elsewhere.

We do like that this company doesn’t have any coverage limits. Therefore, you will always have coverage. Also, there are many different ways for you to fill out a claim. Their mobile app is pretty easy to use, allowing you to file a claim pretty easily.

However, this company also has no multi-pet discounts (or similar discounts). So, if you qualify for these discounts, you’ll probably want to use a different company.

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10. Nationwide

Nationwide is a fairly large company that offers many different types of insurance, including pet insurance. Therefore, many people choose Nationwide because they recognize it and trust it. However, we found that this company is extremely expensive compared to others out there. In some cases, it costs twice as much as other plans.

However, this company is one of the few that offers coverage for more exotic pets. Reptiles, pigs, goats, and similar animals can all be covered. The company also offers wellness plans for dogs can cats, though not exotic pets in this case.

Nationwide has a unique way of dealing with pre-existing conditions. If a condition has occurred previously but is “cured,” the company may cover it if it pops up again.

We didn’t like the maximum enrollment age of 10 years. After that, the company will no longer cover the pet. This is very disappointing because enrolling with a new insurance company will mean that all your dog’s current illnesses will be seen as pre-existing, which is likely to be quite a few when they are that old.

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

When looking for pet insurance, there are several different things you need to look at. Choosing the best pet insurance for your canine isn’t always very straightforward. Often, companies won’t outwardly advertise gaps in their coverage or possible downsides.

Therefore, it’s up to you to carefully examine each pet insurance option.

Policy Coverage

What a plan covers are vital. After all, just because a company claims to offer pet insurance doesn’t mean that its policy covers many illnesses or accidents. Plans can exclude whatever they want, as long as it isn’t listed as included with the policy.

Therefore, it is important to check and see exactly what the plan covers and what it doesn’t. Many plans do not cover alternative therapy, behavioral therapy, and similar more-expensive options. Plus, many plans don’t even include vet exam fees.

Sometimes, you can buy upgrades to the plan to get more coverage. However, these will be more expensive.

Customer Service & Reputation

When you have a pet insurance policy, you will likely deal with their customer service eventually. Many plans are making it easier to file claims, which can often be done through a mobile app. In this way, many plans now circumvent needing to call customer service to file a claim. However, that doesn’t mean that you can avoid customer service completely.

For this reason, a company’s customer service is vital. We recommend checking reviews like ours to get a good idea of what a company’s customer service department is like. You want them to be helpful and ensure that your dog is cared for.  You don’t want them to focus on saving their company a quick buck.

With that said, the company’s reputation also matters. There are a few companies out there that have reputations for never repaying claims. Often, these companies connect illnesses your dog has now with seemingly unrelated illnesses they previously had, allowing them to claim it is a “pre-existing condition.” You don’t want to go through this with your pet insurance, so be sure to choose a company with a solid reputation.

Claim Repayment

As we’ve previously stated, if a company doesn’t repay a claim, they aren’t all that helpful. Therefore, it is vital that the company pays your vet bills and doesn’t give you the run-around when you have a claim.

However, the “how” and “when” are also important. Does the company reimburse you? Or will they pay the vet directly? Many companies that may pay the vet directly require the vet to have certain software for uploading claims. Does your vet have this software? Many pet owners go with the pet insurance suggested by their vet for this reason.

Similarly, if a company reimburses you directly but takes months, they may not be very helpful. When you pay $5,000 for surgery, you need that money back ASAP. Most people can’t just be without that money for an extended period.

Price of the Policy

Of course, the price also matters. There are multiple ways you “pay” for a pet insurance plan. Most obviously, you’ll have to pay a monthly premium. This premium is what the company charges you each month for the plan. The price is based on several factors, like the plan and where you live. Geography plays a big role since the price will be based on how much vet care costs in your area.

Usually, vet care is more expensive in the city—if you live in an urban area, you’ll probably end up paying more.

Furthermore, you’ll also have a deductible. This feature is what you’ll have to pay before your insurance kicks in. Often, plans have a deductible ranging from $300 to $1,000.

Plans also have a reimbursement rate. Usually, these range from 70% to 90%. This is the amount of the vet bill that the plan will pay after you pay the deductible. Therefore, if your reimbursement rate is only 70%, you’ll have to pay 30% of every vet bill on top of the deductible and your monthly premium.

Plan Customization

All the various costs we’ve mentioned above can usually be adjusted. However, how much they can be adjusted varies. Usually, when you adjust one cost, the other costs will increase. For instance, you may get a very low deductible of $100 and a reimbursement rate of 100%. With this plan, you’ll pay very little to your vet.

However, this plan would likely have an extremely high premium. Instead of paying the vet during emergencies, you’re paying a very high monthly price.

Which option you’d rather have depends on your situation. If you do better with a budgeted monthly cost, this may be the better option. However, others would rather just use their pet insurance for extremely expensive surgeries. These people may select a lower reimbursement rate and a high deductible.

FAQ

How Much is Pet Insurance in Utah?

On average, pet insurance plans cost around $50 for a dog and $25 for a cat. Cat insurance costs so much less because cat vet bills often cost less, and cats are much less likely to get into trouble. While your dog may dig through the trash and eat something it shouldn’t, cats are very unlikely to do this. Therefore, you’ll often pay much less for a cat than a dog.

However, what policy you have matters a lot.

Is It Worth It to Take Pet Insurance?

It depends on your financial situation. If you have $10,000 set aside to pay for unnecessary vet bills, then you probably don’t need the insurance. However, most people don’t fit into this category.

The most efficient way to utilize pet insurance is to save up to $1,000 to $2,000 for pet emergencies. Then, get a plan with a high deductible to pay for surgeries and treatments that cost more than this. This plan will have a low monthly premium, but it will cover expensive vet bills that you wouldn’t be able to.

However, for those who do better with a monthly, budgeted bill, choosing a lower deductible and higher premium may be better.

Is it Better to Save or Get Pet Insurance?

The main problem with saving for pet bills is that most people simply don’t do it. Emergency surgery can easily run upwards of $5,000, and most people do not have this money ready. Therefore, getting pet insurance is often a better option. It can save you thousands for a one-time emergency, and you’ll often only pay $50 monthly.

However, if you have $5,000 or more just waiting to be spent, then you may not need pet insurance.

What the Users Say

The main issues we see in user reviews are companies not paying what customers believed they should be paying. Sometimes, this is on the customer, as it isn’t common to see complaints where customers believed they were covered for things they weren’t. For instance, waiting times exist for nearly every insurance company. The company will not cover accidents and illnesses that happen before this period is up.

Therefore, we highly recommend taking a look at the length of these waiting periods and anything that the plan doesn’t include.

However, sometimes, the company will claim that something is a pre-existing condition that isn’t. For instance, we’ve seen reports of companies claiming an ear infection in adulthood was linked to one that the dog had as a puppy. While ear infections can be connected and chronic, it is clear that infections taking place years apart probably aren’t.

Which Pet Insurance Provider is Best for You?

We recommend choosing pet insurance that fulfills exactly what you’re looking for. There are so many options out there that there isn’t a need to settle.

If you’re looking for a plan that covers just about everything, find a company with wellness coverage, low deductibles, and high reimbursement rates. However, be aware that the premium for this coverage will be quite high. Still, you won’t have to worry about paying much at the vet.

If you have a small nest egg saved up for emergencies but need coverage for big emergencies, choose a high-deductible plan instead. This will save you monthly premiums, but you’ll be covered if a $10,000 bill suddenly lands on your doorstep.

Conclusion

There are many insurance plans out there that you may be interested in. Generally, many of these plans look the same on the surface. However, they do have some serious differences. For instance, some have wellness coverage while others don’t. Some have coverage limits, while others do not. We recommend choosing a plan that fits what you’re looking for.

There are several ways you can utilize pet insurance. Some people use it to pay for everything. However, others only need it to pay very large bills that can be incurred in emergencies. Figure out what category you fall into and choose a plan that fits your needs.

See also:

• 10 Best Pet Insurance Providers in New Mexico
• 10 Best Pet Insurance Providers in Nevada – Reviews & Top Picks

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Featured Image Credit: Ekaterina_Minaeva, Shutterstock