Pet Insurance in Utah

Choosing the right pet insurance company for you and your dog or other pets in Utah can be a frustrating and confusing process. How much coverage will my plan provide? How fast will I be reimbursed? Are there any health issues not covered?

Here at iHeartDogs, we created an easy comparison below of all the major pet insurance brands in Utah and across the US. You can also use the form below to receive a no obligation quote from all the major pet insurance carriers at once, allowing you to compare pricing and coverage:

Best Pet Insurance For Dogs in Utah

Let’s take a deep dive into the features and benefits of each of the major pet insurance brands here in Utah and across the USA. Simply scroll to the right to view all the brands:

Pets Best
Lemonade
ManyPets
Trupanion
FIGO
HealthyPaws
Prudent Pet
Embrace
Wagmo
Company
Company
Pets Best
Lemonade
ManyPets
Trupanion
FIGO
HealthyPaws
Prudent Pet
Embrace
Wagmo
Annual Coverage
Annual Coverage
$5,000 or Unlimited
Up To $100,000
Unlimited
Unlimited
$5,000 or Unlimited
Unlimited
$10,000 or Unlimited
$5,000 - $30,000
Unlimited
Multi-pet Discount?
Multi-pet Discount?
Yes
Yes
No
No
Yes
No
Yes
Yes
No
What They Do Best
What They Do Best
Best for plan customization
Great pricing for puppies & kittens
$0 copay option. No fees for paying monthly.
Best for paying claims to veterinarian direct
Short waiting periods
Best for paying claims fast
Best Trustpilot reviews
Best plan for superior benefits
Fast claims. Wellness plan available.
iHeartDogs Customer Rating ⭐⭐⭐⭐⭐
iHeartDogs Customer Rating ⭐⭐⭐⭐⭐
4.3 / 5
4.6 / 5
4.7 / 5
4.5 / 5
4.1 / 5
4.4 / 5
4.5 / 5
4.5 / 5
4.1 / 5
Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)
Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)
Yes
Yes
Yes
No
No
No
No
Yes
Yes
Example Quote for 1 Year Old 30 lb Mixed Breed
Example Quote for 1 Year Old 30 lb Mixed Breed
$35.81 per month
$20.00 per month
$30.00 per month
$68.25 per month
$69.30 per month
$26.25 per month
$73.46 per month
$42.35 per month
$15.00
Reimbursement Amount
Reimbursement Amount
90%, 80%, or 70%
90%, 80%, or 70%
90%, 80%, or 70%
90%
100%, 90%, 80%, or 70%
90%, 80%, 70%, 60%, or 50%
90%, 80%, or 70%
90%, 80%, or 70%
100% or 90%
Annual Deductible
Annual Deductible
$50, $100, $200, $250, $500, or $1,000
$100, $250, or $500
$100, $250, or $500
$0 to $1,000
$100, $250, $500, or $750
$100, $250, $500, $750, or $1,000
$100, $250, $500, or $1,000
$200, $300, $500, $750, or $1,000
$250, $500, or $1,000

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Receive a Free No-Obligation Quote from All the Pet Insurance Carriers At Once
Rather than visiting each insurance carrier’s website, you can use the form below to receive a no obligation quote from all the pet insurance carriers at once, allowing you to easily compare:

Which pet insurance company is best?

Utah Pet Insurance FAQs

How Much Does Dog Insurance Usually Cost In Utah?

The average cost of pet insurance in Utah varies depending on where you live and the policy levels you choose. Your pet’s age and breed also determine premiums. Depending on the parameters supplied, the most affordable choice for pet insurance in Utah starts at $17 and goes up to $98. Prices vary by the factors affecting your pet and your budget, as do add-ons and type of coverage.

Dog insurance in Utah costs an average of $27.92 per month for a policy with a $5,000 coverage limit and $49.43 per month for a policy with a $10,000 coverage limit. You will pay an average of $53.64 per month for unlimited coverage. Pet insurance premiums are also affected by the amount of deductible you choose, your pet’s age, and the extra features you select for your policy.

How Much Is Pet Insurance A Year?

You can calculate your annual insurance price by multiplying your monthly policy by 12 and adding in your deductible. Next, you will need to add the cost of your deductible. The only part you cannot determine beforehand is how much you will pay out of pocket for expenses. Most companies pay between 60 to 90 percent of the costs after the deductible is met, but the smaller percentage needs to be paid by you. 

Does Pet Insurance Cost A Lot In Utah?

Most families cannot afford hundreds of dollars for sickness or injury-related vet visits. Only you can determine if your family needs insurance. You may not need insurance if you can pay emergency or illness vet fees. Many dogs have breed-specific chronic illnesses that can cost thousands of dollars. Pet owners without health insurance may be unable to provide crucial care. Also, High vet expenditures may drive some owners to euthanize their dogs. Pet insurance can save you money and heartache.

Which Insurance In Utah Is Best For My Dog?

Each insurance company has its own set of benefits and costs, so determining which is best for your family and pets is a personal choice. Lemonade, Embrace, Fetch, Figo, Spot, Healthy Paws, Prudent Pet, Trupanion, and ASPCA Pet Health Insurance are some of the most popular alternatives in Florida. 

However, there are a plethora of other options with less well-known names that may be advantageous to other creatures. Only you know your pet insurance budget and requirements. Investigate a variety of possibilities before deciding one is best for your family. To assist in building their business, locally owned or smaller businesses may give discounts or cheaper rates.

Can You Start Pet Insurance At Any Time?

Not all puppy insurance plans begin when the dog is born. For example, Fetch by The Dodo insures puppies as young as six weeks old, while Nationwide covers puppies from birth. Additionally, many companies do not cover older pets after 10 to 14 years. You will also have to wait for the standard waiting period for a policy to start. 

Does Pet Insurance Increase With Age In Utah?

Yes, as pets age, they are more susceptible to health concerns, accidents, illness, and other problems. However, insurance companies are in the business to make money, and one way to ensure a profit is to raise rates for at-risk animals. 

What Is An Annual Limit For Pet Insurance?

Your choice of deductible considerably impacts your rates and annual limit. The majority of pet insurance companies, on the other hand, have a $10,000 maximum limit, with a few going up to $30,000 with higher plan premiums. The limit refers to the annual maximum that a pet insurance coverage will pay for your pet. In addition, pet insurance companies may impose an annual condition restriction or a maximum payout for a certain health condition each year. 

Furthermore, there are no yearly limits on veterinarian claim reimbursements if there are no yearly limits on pet insurance. The policy rate will be applied to your pet’s insured veterinarian expenses after your deductible has been met. On the other hand, certain health conditions may be subject to coverage restrictions. Hip dysplasia and other disorders in elderly dogs, for example, are not covered by some insurance companies. 

Annual limits do not stack up and do not roll over to the next year. Therefore, you will be responsible for additional payments if you exceed your annual pet insurance limit. Moreover, if an insurance’s yearly limit does not cover your pet’s vet bills, you may want to switch providers for more coverage.

Can You Claim Animal Expenses On Taxes In Utah?

Only assistance dogs, working dogs, and performance pets are eligible for tax deductions; the family dog is not one of them. In addition, while you cannot deduct the costs of your pet’s medical care, you may be able to deduct the costs of service animals, such as guide dogs for individuals with hearing or vision impairments and certified service dogs for certain other health conditions, such as seizure dogs for those with epilepsy. 

Fostering a pet for a certified charitable organization is not inexpensive. As a result, being able to claim any expenses incurred as a result will offer you some annual financial relief. In addition, you can deduct expenses related to a guard animal, including food, special training, and veterinary care, as business expenses if you can prove that you have an animal that provides some form of service for your business and are self-employed.

What Is An Annual Deductible On Pet Insurance?

If you choose an annual deductible for your pet insurance coverage, you will only have to meet your deductible once every term. Once the deductible has been met, only the copay is deducted from reimbursement claims until the policy is renewed and the yearly deductible resets. You can take your pet to the veterinarian twice a year or 50 times a year with an annual deductible, and you only have to pay the deductible once to cover your pet’s medical expenditures.

Is Spaying Covered By Pet Insurance?

Most pet insurance companies do not cover the cost of neutering or spaying a pet. On the other hand, coverage providers typically offer this service as an add-on to their total product and service package. As a result, you should anticipate paying a higher premium for this coverage.

Can You Go To Any Vet With Pet Insurance In Utah?

You can use your pet insurance plan at any veterinarian in Utah since it reimburses you instead of paying the vet directly. Pet insurance policies can help UT residents reduce out-of-pocket costs for unexpected accidents or illnesses, whether your veterinarian is in Provo, Salt Lake City, or anywhere in between. In addition, most policies will cover your pet in other states and even Canada. 

Can I Take Out Pet Insurance After Diagnosis?

The great majority of pet insurance coverage does not cover pre-existing conditions. However, even if your pet has a pre-existing condition, injuries or diseases unrelated to it may be covered. Aside from that, certain insurance companies will cover treatable diseases. However, most pet insurance companies will not cover a dog that is already sick, and some will even require a physical examination and a waiting period to avoid treating sick canines. As a result, you should obtain pet insurance as soon as possible after bringing your new puppy home, before they become ill or develop a pre-existing disease.

Does Pet Insurance Cover All Animals?

You can get insurance for more than just the family cat or dog. Other animals you can get coverage for include rabbits, ferrets, exotic birds, reptiles, potbelly pigs, and other rodents. The cost of coverage is usually determined by the animal’s age, health status, and the degree of care you want. However, for animals with shorter life spans, you need to consider if the cost of insurance will pay in your favor. Check Progressive, Allstate, and Liberty Mutual for options for less typical pets. 

Which Pet Insurance Company Does iHeartDogs.com Recommend?

Our recommendation depends very much on your individual situation. You can compare quotes for your dog’s age and your location here. We can report that Trupanion, HealthyPaws, and Pets Best are very popular with iHeartDogs supporters.

Compare Pet Insurance Companies. Which is best?

What do iHeartDogs Readers Think About Pet Insurance?

Is Pet Insurance Worth It? - We asked [33] Dog Owners and Here's What They Said

Pet insurance is "worth it" if you can afford the cost of the insurance, but could not afford an emergency vet bill. However, the best plan is to only get a pet if you can afford vet care, & to have a special savings account set aside for pet emergency care. - Louise 

Very much worth it. I have Nationwide. It used to be VPI. It doesn’t cover things in full, but it very much helps. More then paid for itself with my first two dogs. Haven’t needed it much with the two I have now but if something happens, I won’t hesitate to get the best treatment I can. It really helps. - Beth

Yes it is worth it. But you need to shop wisely for it. I have care credit that is used when needed. With no excluded treatments because it's up to me! Great rates and options to pay back. Saved my bank account a number of times. - Jennifer

Always worth it with my previous pet dog, Louie (French bulldog) and current pet dog, Lucy (dachshund).
It’s more than paid for itself each time. Unless you can cough up $10,000 for an emergency surgery I suggest you get pet insurance. Healthy Paws I highly recommend!!! - Leo

My vet one time said...my a "Dogs are Expensive" account. Whatever the going rate for pet insurance is...say $100...put that monthly in the "D A E" account. If you are ahead at the end of the year roll that money over....then, if you do need a big sum you have it, and if you don't the $ is in your pocket and not the insurance company's... whatever you decide..good luck! - Peggy

With my last dog no. I paid 17 years and never made a claim. With the two I have now definitely. My JR managed to get a dog toy piece stuck in her intestine - hugh, expensive op so worth it. I don't like the fact that even though my dogs are both young, the premium has gone way up however. 3&2 are not senior dogs. - Kit

Before just checking quotes check with your vet or ones in your area. The one problem with many pet insurances it actually may affect the cost a vet or clinic may charge for a service based on what they may have to pay or what they need to do get paid. For example a base xray charge may be $100 if you pay yourself but say you use insurance A that may cost the clinic so much a year to be a member or requires so much documentation or takes so long for payment may increase the charge to $130-150 .Then if you have a deductible you will be paying more. Your vet will also know which ones are more reliable for your area and for the needs for your breed. - Candi

I would never have a pet without insurance. Way too risky for those sudden and age related injuries/health issues . Everyday check- ups and vaccines are incidental costs compared to many things that can go wrong w ur furry family member ❤️ - Holly

I'm furious that insurance companies have now made owning pets incredibly expensive. Once insurance companies enter into the equation, the price for everything goes "through the roof." I wish these monsters would be regulated and insurance, health care was NON PROFIT!!!!!! - Rhonda

Yes Healthy Paws has been great. My Boston is on constant eye meds for about 6 years and 2 surgeries. I have 80 percent and they pay right away. - Lynda

Worth it if you plan ahead. One of my dogs I adopted and got insurance a year or so later and insurance has denied EVERYTHING…even an ear infection at 10 years old, as a preexisting condition because she had one when she was 3years old. My other dog I got insurance right away (lesson learned!) and it has been a huge benefit because ten years later he had significant medical expenses that were covered at 90% I could not be more thankful to have the insurance - Shannon

Definitely worth every penny! Our Shitz tore her ACL, swallowed my husband’s hearing aid, puts everything in her mouth!!! We have Healthy Paws. Very pleased. Just wish we went with 90% coverage instead of 80%. Get it BEFORE they have an issue!! - Jan

Nope not worth it. I love my babies but, it's like human insurance, Hardly worth getting. More n likely whatever your pet has insurance won't cover it so your still gonna pay out the ying yang. So here we are paying out the ying yang for insurance and still paying high dollar to a vet. - Nancy

Yes. My sweet hound developed allergies. The insurance covers are $73. Apoquel prescription plus everything else that goes wrong. She had a cough with meds the bill was over $400. Very happy we have insurance. - Pamela

Yes! For 10 years I never had to use it. Then my dog got very sick and needed to go to the animal hospital. She was diagnosed with diabetes and cushings disease and the costs for all the medications and testing she undergoes until we get her regulated is exorbitant. With the insurance I’ve been getting most of it back. - Erica

Worth it! Preventative/wellness services usually aren't included with accident/injury plans, but most insurances offer that separately (for more money). Get coverage asap when you get a pet... preexisting conditions are almost never covered and the older a dog gets, the higher the cost gets. I had Nationwide through my previous employer. The plans were supposed to follow my pets for life, after I left the job, but (long story short) the plans were cancelled. So now I'm getting new insurance through ManyPets for a dog who was 9 when I got the Nationwide plan, but is now 13 - with preexisting conditions. For all three of my dogs, it's about $235/month (that's with the optional wellness plans added for each). But if anything happens to any of my "kids", I pay a $250 annual deductible, then ManyPets covers 80% - with no lifetime limit. - Andrea

Yes. It's worth it. You never know what might happen. I see so many go fund me's to help animals when insurance would have covered it. Fyi, Trupanion is slightly more expensive but can pay the Vet directly if the Vet is signed up on their system. I have my 2 dogs and 2 cats covered. - Blythe

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Thanks for reviewing our guide to comparing pet insurance brands. Below you find some additional pet insurance resources from iHeartDogs.com

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