Whether you’re watching movies on your couch in Boise, jogging through the neighborhood, or taking in the sights at Yellowstone, pets make the best companions.
Wherever life’s adventures take you and your four-legged friend, you should be able to relax knowing their medical expenses will be covered if the unexpected happens.
A pet insurance plan can protect your dog or cat in the event of an accidental injury or illness, with some plans covering routine care, too.
If you’re one of the 1.7 million people that call Idaho home and you want to buy pet insurance for your dog or cat, you have a great assortment of providers to choose from.
Read on to learn more about our top 5 best pet insurers in Idaho to see if one of them might be a good fit for you and your fur-babies.
Best Pet Insurance in Idaho
Based on their rates, coverage options, and customer experience, we found the companies below to rank highest for Idaho pet insurance:
Here’s a sneak peek at what each company can offer your dog or cat.
Pets Best is an exceptional choice for pet insurance in Idaho. In fact, the company is headquartered in Boise.
Beyond the local connection, Pets Best offers affordable and comprehensive coverage to pets of all ages.
They offer fair coverage to aging dogs and cats that might have trouble getting insured with another provider.
Along with a standard accident and illness plan, you can add on wellness coverage to help with your pet’s routine and preventative care.
Pets Best’s policies included coverages for prescriptions and vaccines under their wellness plan, different from many competitors.
The company’s Elite plan comes with limitless coverage, while its other options cap annual benefits at $5,000.
You get to decide how much you will pay in deductibles, too, as you build your perfect policy.
When it comes to claims, Pets Best makes it simple with a quick filing process and online reimbursement payments.
If you’re looking for a national provider with roots close to home and coverage that protects your dog or cat in the good times and bad, take a look at Pets Best.
Learn More: Read our Pets Best review
Healthy Paws is another pet insurance company that’s worth the hype for pet owners in Idaho and their dogs and cats.
While Pets Best provides a range of plans with different coverage levels, Healthy Paws keeps it simple with one basic accident and illness policy.
This plan includes coverage for congenital and hereditary illnesses, with a 12-month waiting period for hip dysplasia, assuming your pet is six years or younger.
The company’s accident and illness policy covers a lot, but it doesn’t include routine wellness care.
When you buy a Healthy Paws policy, you could be reimbursed for 70, 80, or 90% of your pet’s qualifying medical expenses.
You’ll also benefit from endless coverage as Healthy Paws does not cut off your policy benefits at a set amount, ever.
If you do have to file a claim with Healthy Paws, you’ll find a system that’s easy to navigate online.
For cheap, high-quality accident and illness coverage, Healthy Paws is a great choice.
Learn More: Read our Healthy Paws pet insurance review
Embrace is yet another carrier that provides affordable policy options to pet owners in Idaho.
Their accident and illness policy covers medical expenses related to a range of conditions, including:
- Intervertebral disk disease
- Hip dysplasia
Just keep in mind that these types of conditions will be accompanied by a waiting period.
In addition to accident and illness coverage, you can also tack on wellness coverage to create a more extensive policy.
Embrace’s policy allows for up to 90% reimbursement. It also comes with a diminishing deductible, rewarding you when you don’t file a claim for a year.
If a situation does arise that requires you to file a claim, you’ll have plenty of choices for how to proceed.
Embrace’s lets you file online, in the app, or by fax or mail. When your claim is processed, you’ll be paid by direct deposit, so there’s no need to wait around for a check.
For comprehensive emergency and wellness coverage at a reasonable rate, you won’t go wrong with Embrace.
Learn More: Read our Embrace pet insurance review
Figo is not your average pet insurance company, ideal if you’re looking for more than just reimbursement for medical expenses.
On the coverage front, Figo lets you choose between three plans: Essential, Preferred, and Ultimate.
As its name suggests, Figo’s most basic policy provides you with the essential accident and illness coverage all pets need.
When you upgrade to a Preferred or Ultimate policy, you get fewer policy limits and more unique coverage features.
The Ultimate plan comes with no cap on annual policy benefits. At every level, you can choose your reimbursement amount and decide your deductible.
Figo stands out among the crowd most with its tech-savvy approach to pet insurance.
Pet Cloud, the company’s cloud-based app, lets you store your pet’s records, set reminders for their vet appointments, and chat with a licensed vet, 24/7.
You can even link up with other pet owners in your area and find pet-friendly parks and locations near you to roam with your four-legged friend.
Learn More: Read our Figo Pet Insurance review
Last but not least, Trupanion is a popular choice among Idaho pet owners, bringing something different to the table.
Trupanion offers dogs and cats a basic accident and illness policy. It also offers a “Recovery and Complementary Care Package,” which broadens the policy’s protection.
Like many of its competitors, Trupanion pays its policyholders for 90% of medical expenses. They don’t enforce an annual cap on the policy’s benefits, either.
When it comes to a deductible, Trupanion only requires that you pay once for the first incident related to that particular medical condition.
Trupanion’s payout methods are unique from most competitors, too, as Trupanion takes the middle man out of the equation.
Instead of reimbursing you after you’ve paid the vet and filed a claim, the company pays the vet bills firsthand.
You just need to make sure that the pet hospital or vet’s office you pick is one of Trupanion’s approved providers, which you can easily search by state on the Trupanion website.
Learn More: Read our Trupanion review
What Does Pet Insurance in Idaho Cover?
With all of the info above in mind, you may be wondering what’s actually covered by pet insurance in Idaho.
While the list of covered conditions might look a little different depending on what company you choose, most accident and illness policies cover a similar range of expenses.
The average pet insurance plan will cover the costs below:
- Accidental illness/ injury
- Cancer treatments
- Chronic & congenital illnesses
- Diagnostic scans
- Emergency treatments
- Examination fees
- Hospital care
- Prescriptions for approved conditions
- Procedures for approved conditions
The conditions above should be covered under your accident and illness policy, but the ones below probably won’t be:
- Behavioral therapy
- Boarding & grooming
- Dental hygiene procedures
- Elective procedures
- Pre-existing condition
- Routine wellness care
- Spaying/ neutering
Does Pet Insurance Cover Exotic Pets?
Sadly, you can expect to find fewer options for exotic pet insurance than you will for more “traditional” pets.
However, you aren’t completely optionless. You can pay to insure your exotic pet with Nationwide or Wells Fargo’s pet policies.
How Does Idaho Pet Insurance Work?
If you need a little more help understanding some of the fundamentals of pet insurance, you aren’t alone.
Read on for a quick breakdown of some key terms you’ll encounter when you start comparing pet plans.
- Deductibles: The amount you pay out of pocket before your coverage takes effect, the deductible can vary depending on the provider and plan you choose.
- Premiums: The amount you pay each month for your pet’s plan, premium rates are based on the likelihood you’ll have to file a claim for your pet, as well as factors like your location.
- Reimbursement: Most pet insurance companies reimburse you after you submit your veterinary bill during the claims process. Reimbursement amounts can range between 60% and 100% of qualifying veterinary expenses, usually falling in the 70% to 90% range.
- Waiting Period: The amount of time between the purchase of your policy and the date your coverage takes effect can be anywhere from 24 hours to 12 months.
Pet Insurance Idaho Prices
So what does pet insurance cost in Idaho?
That depends on a few important details about your pet’s age and genetics, along with your location and the type of coverage you buy.
Here’s a closer look at how these factors impact the cost of coverage:
- Age: Older pets are at a higher risk of injuries and illnesses, so it costs more to insure them.
- Coverage levels: If you just buy accident coverage, you’ll pay less than you would for an accident and illness policy, which is still less than you would pay for an additional wellness plan. The more thorough coverage you buy, the costlier your premiums get.
- Location: Where you live could drive up your pet insurance rates, mainly if you call a large, heavily populated city home.
- Policy Structure: As we mentioned earlier, most policies come with flexible deductible and reimbursement amounts. The way you structure your policy will dictate what you pay for your pet’s plan.
- Type of Pet: Your pet’s species, and its breed, will impact the cost of coverage. Cats are less expensive to insure than dogs. Likewise, breed-specific conditions could result in higher rates for some pets.
Pet insurance is fairly inexpensive, considering the large amounts of coverage you get.
While your yorkie’s policy might look drastically different than your American shorthair cat’s policy, the average cost of coverage is reasonable across the board.
Most pet owners pay close to $30 and $50 per month for pet insurance, with some paying as little as $10 for accident coverage and others paying upwards of $100 for comprehensive plans.
Shopping for Pet Insurance in Idaho
There’s no time like the present to buy a pet insurance policy for your furriest friend.
You insure your own health, your car, and your home, so why not protect your pet with an affordable pet insurance policy?
Even if you never have to file a claim, the peace of mind can be well worth the addition to your monthly budget.
And if you live in Idaho, you’ve got some excellent pet insurance providers at your disposal.
At the very least, take a look at the pet insurance companies above and snag a few quotes. You may be surprised at the low pet insurance rates you can secure.
With the companies featured here, everything from getting quotes to adjusting policy features to purchasing coverage is all but effortless.