Pet Insurance in Idaho | Best Companies & Plans
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
UPDATED: Dec 4, 2023
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Your pet is an essential part of your family. Just as with your spouse or your children, you want to provide them with the very best care in the event of an unexpected illness or injury.
Unfortunately, for some families, the cost of veterinary care is just too high, and when emergencies occur, it may be impossible to pay. That’s why so many households across the U.S. have purchased pet insurance.
Providers of the best pet insurance in Idaho offer your pet access to quality care when it’s needed, at low monthly rates you can afford.
We’ve evaluated more than 30 pet insurance providers in preparation for this article and determined the five companies that offer the best pet insurance in Idaho based on their coverage, cost, claims process, and customer satisfaction.
Pet Insurance In Idaho
Here are the 5 best providers of pet insurance in Idaho:
Pets Best
Pets Best is an Idaho-based pet insurance company that offers some of the best pet insurance in Idaho.
The company has a Better Business Bureau rating of A+ with 25 closed complaints on record within the last 12 months. Pets Best has plans that are available to dogs and cats as young as seven weeks with no upper age restrictions.
Customers can choose their deductible, payout limit, and reimbursement rate to tailor their plan to their specific budget. Pets Best also offers a 5 percent discount for additional pets added to a policy, which makes it an excellent choice for multi-pet families.
Claims can be submitted in a variety of ways including online and through the company’s mobile app.
| Monthly Costs | Starts at $30.06 for dogs and $16.52 for cats |
| Coverage | Ranges from 70 to 90 percent, depending on the plan |
| Payout Limits | $5,000 annually or unlimited, depending on the plan |
| Deductible | Ranges from $50 to $1,000, depending on the plan |
FIGO Pet Insurance
FIGO has an A rating from the BBB and only five complaints in the last three years, which is incredibly low when compared to its competitors.
With three plan options, customers can choose the coverage that best suits their pet–and the opportunity to select deductibles, payout limits, and reimbursement rates means that plans can be tailored to any budget.
FIGO doesn’t exclude hereditary conditions from coverage, which is uncommon for many pet insurance providers. Claims can be submitted online or via the company’s mobile app.
| Monthly Costs | Starts at $52.85 for dogs and $28.99 for cats |
| Coverage | 70, 80, 90, or 100 percent reimbursement, depending on the plan |
| Payout Limits | $10,000, $14,000, or unlimited, depending on the plan |
| Deductible | Ranges from $50 to $500 annually |
Embrace Pet Insurance
With an A+ rating from the BBB and a slightly below the average number of annual complaints (20), Embrace has a strong reputation for providing excellent customer service.
Its coverage is comprehensive, and it offers an optional wellness plan to its policyholders, making it one of the most comprehensive insurers available when it comes to coverage. Plans are available to cats and dogs aged eight weeks to 14 years for lifetime coverage.
Embrace offers rates that are below the national average, most customers aren’t required to pay out-of-pocket veterinary costs beyond their deductible.
| Monthly Costs | Starts at $13.04 for dogs and $8.98 for cats |
| Coverage | Ranges from 70 to 90 percent after deductible, depending on the plan |
| Payout Limits | Coverage caps range between $5000 and $30,000 online or unlimited via phone enrollment annually |
| Deductible | Ranges from $200 and $1,000 annually, depending on the plan |
Trupanion Pet Insurance
It offers plans that cover an extensive list of conditions and treatments and provides supplemental coverage options for both routine care and alternative therapy.
Trupanion has an A+ rating from the BBB and an average number of annual complaints against it (21), indicating that both current and past customers are generally satisfied with the company.
Plans are available to dogs and cats aged eight weeks to 14 years. Claims can be submitted in a variety of ways, including online, and are generally paid out within seven days of filing or sooner.
| Monthly Costs | Starts at $59.21 for dogs and $32.41 for cats |
| Coverage | 90 percent reimbursement after deductible |
| Payout Limits | Unlimited |
| Deductible | Ranges from $0 to $1,000 per incident, depending on the plan |
Healthy Paws
Healthy Paws fantastic reputation is backed up by its A+ BBB rating, despite a moderate amount of complaints (27 within 12 months).
Its policies cover a wide range of conditions and treatments at rates that start below the national average, for dogs and cats aged eight weeks to 14 years.
Claims can be submitted in several ways, including online or via the company’s mobile app, and are generally processed within ten days.
| Monthly Costs | Starts at $32.83 for dogs and $17.19 for cats |
| Coverage | 70 to 90 percent reimbursement after deductible, depending on the plan |
| Payout Limits | Unlimited |
| Deductible | Ranges from $100 to $500 annually, depending on the plan |
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Shopping For Pet Insurance In Idaho
When you’re shopping for pet insurance, it’s important to do your research and ensure that you’re purchasing a plan from a reputable insurance provider that works well for your pet and your budget.
Keep in mind that premiums are calculated based on many different factors, such as your pet’s age and breed, and the average cost of veterinary care in your city and state.
Premiums often vary drastically between providers, as calculations used for determining policies put more or less weight on certain factors depending on the company.
The details above should give you a good understanding of the pet insurance options available throughout the state. Use this information as you search for the best pet insurance in Idaho.