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If you live in Idaho and are searching for the right pet insurance for your pet, you have come to the right place. Insurance contracts are complex and can leave you feeling overwhelmed and confused. The last thing you need is to think your pet is covered, only to find out differently in an emergency. The inclusions and exclusions vary with companies and states. While many companies offer pet insurance in all 50 states, some do not.
To help our pet owners living in Idaho, we have reviewed ten companies that offer pet insurance in your state. Here are 10 companies that offer a range of coverages for your furry friend.
A Quick Look at Our Top Picks 2022
The 10 Best Pet Insurance Providers in Idaho
1. Spot Pet Insurance
Spot Pet Insurance is an excellent choice for pet insurance in the state of Idaho. With Spot, you have a choice of an accident-only plan and an accident and illness plan. They also have Wellness Plans that can be added to the policy and cover most of your pet’s insurance needs. Spot insurance has coverage for all your pets, even older ones.
The wellness plans will cover services for preventive and routine care. The company offers two wellness plans: Gold or Platinum. Depending on the plan, you can get reimbursed for services like vaccinations, blood work, dental cleanings, and check-ups. There is no deductible or waiting period for a Spot Wellness plan. The preventative care plan can only be purchased with pet insurance coverage, however.
The accident and illness coverage can be customized for your pet’s needs and your budget. The annual limit, reimbursement percentage, and deductible you choose will affect the cost of the plan. Unlike other pet insurance companies, the price does not vary for the breed, age, or state, and they offer multi-pet discounts.
Like other pet policies, the coverage has exclusions. Some of the exclusions include pre-existing conditions, hip dysplasia, and specialized diet foods.
Spot is a reputable company that has an “A” rating with the Better Business Bureau and a 4.3 out of 5-star rating on TrustPilot.
Spot offers pet insurance in all 50 states, including Idaho. The coverage varies according to state, however.
2. Trupanion Pet Insurance
Trupanion has a network of veterinarians that work with the company. The vets and Trupanion have an agreement for payment. If you use one of those vets, the company will pay them directly, so the policy holder does not have to put up the money and wait for reimbursement.
The company offers one plan that covers accident and illness with a deductible that is chosen by the policy holder. Pet owners can relax when their pets are being treated for eligible emergencies or illnesses because they know they are covered. The policy will cover up to 90% of the claim after you meet the deductible. Since there are no annual or lifetime limits, your pet is always covered.
In addition to its accident and illness plan, Trupanion has optional extended coverages for things like hydrotherapy, chiropractic, acupuncture, behavioral therapy, and more. Policy holders can customize the coverage according to the special needs of their pet and their budget.
Like other pet insurance companies, Trupanion does not cover pre-existing conditions. That includes injuries or illnesses that occurred prior to the start date of the contract or during the 30-day waiting period. The company also requires pet owners to stay current on vaccinations and preventative treatments for illness or injuries to be covered.
3. Fetch Pet Insurance
Fetch is a desirable choice for pet parents that are looking for coverage for things like hospitalization, chronic conditions, behavioral disorders, and more. The standard insurance policy will also cover fees for canceling vacation plans due to a sick or injured pet and pet boarding if you are hospitalized for four days or more.
If your pet is an escape artist, you may want to consider Fetch Pet Insurance. The standard plan from Fetch will cover advertising costs and reward money for missing pets. Hydrotherapy, acupuncture, and laser therapy are not a problem with Fetch either—they have your pet covered.
Fetch is budget-friendly insurance for pet owners that have a tight budget. The coverage limits, reimbursement rates, and annual deductibles can be customized, so the monthly premium fits your wallet.
Some of the things that are not included in the coverage include pre-existing conditions, pregnancy, routine visits, and prescription foods.
While Fetch has an A+ rating with the Better Business Bureau (BBB), some customers find the company’s mobile app difficult to navigate and complain of annual rate hikes.
4. Embrace Pet Insurance
Embrace Pet Insurance is another desirable choice for pet parents in Idaho. If you are looking for affordable accident and illness coverage, consider Embrace. The annual limits, reimbursement rates, and deductibles are customizable so you can find something within your budget. In addition, they give policy holders discounts for every year their pet stays accident and illness free, and you do not file any claims.
The company also offers an accident-only plan for things like broken bones, accidental ingestion of toxic or foreign objects, and the medication needed for any covered illness or injury. The plan has an annual payout limit, however.
In addition to accident and illness coverage, you can purchase a supplemental option for preventive and routine care. This is an option that offers three allowance choices, and it is a use it or lose it benefit.
Embrace policies are best for owners with young pets. The policies have age limitations on the accident and illness plans and they do not cover pre-existing conditions. The younger your pet is when enrolled, the lower the premium will be. Early enrollment will help to avoid policy exclusions for pre-existing conditions and age limitations. Pre-existing conditions are only considered for coverage if the animal has been cured or symptom-free for 12 months.
5. Healthy Paws Pet Insurance
The company offers one accident and illness policy only. You can customize the plan to fit your budget with varying deductible options and reimbursement rates. The payout is unlimited on all policies and is not customizable, however. That means there are no limits on the number of accidents or illnesses the policy will cover.
Healthy Paws pet insurance is a desirable option for those on a budget. If you are looking for insurance that covers your pet for unexpected illnesses and injuries, it may be a good option for you. For those of you that are interested in a wellness or preventative care add-on, this is not the company for you. Healthy Paws does not offer any plans for routine care.
To keep things less confusing, Healthy Paws offers one plan with an unlimited payout for accidents, illnesses, and diseases. The age of your pet will affect the reimbursement percentage of the policy, and they must be covered before they turn 14 years old. The reimbursement level will decrease as your pet’s age increases. Therefore, as the health declines so does the amount the company will pay for illness and injury.
Unlike other companies, Healthy Paws does not offer any discounts for military personnel or multiple pets.
If you are looking for a company that values its customers, this one’s for you. Reviewers praise the company’s customer service team for being courteous and helpful. They report quick reimbursement after an effortless claims process too.
6. ASPCA Pet Insurance
ASPCA has coverage options for every budget and need. The accident-only insurance is an option for pet owners that are interested in insuring their pet for unexpected accidents and injuries, like broken bones and ingestion of a foreign object. The comprehensive insurance covers your pet for hereditary conditions and health issues like diabetes, cancer, and arthritis, in addition to accidents and injuries.
Once you have paid the yearly deductible, you will be reimbursed for the vet bill at the percentage rate you chose at the time you purchased the policy. The deductible choices for ASPCA are 70, 80, or 90% of the vet bill.
To cover your pet for routine visits like vaccinations and dental cleanings, the company offers two preventative care plans for an additional cost. You can choose the basic or prime preventative care plan.
The premiums for coverage will vary depending on the type of coverage and your location. The company will require information about your pet that will also factor into the cost of the coverage. The customization options cater to a wide range of budgets. You have options for annual limits, deductibles, and reimbursement rates.
Like other pet insurance companies, ASPCA does not cover pre-existing conditions. The dental coverage provided by ASPCA is not as good as the dental coverage offered by its competitors.
7. Figo Pet Insurance
With three levels of coverage, there is one for every Idahoan’s budget. The annual limits range from $5000 to unlimited for illnesses and accidents. The plans cover treatments, diagnostics, surgeries, and rehabilitation for covered conditions.
Vet visits and routine care are covered by an optional wellness plan, however. Figo offers a choice of Wellness Basic and Wellness Plus. Each plan has a maximum amount that will be paid for routine items like vaccines, deworming, dental cleaning, and wellness exams.
Figo does not want you to purchase something that you cannot use. They will review your pet’s health conditions to identify any pre-existing conditions. Once you receive the policy, carefully look over the coverage. If you are not satisfied with the coverage or the cost of the premium, the company has a 30-day money-back guarantee.
If you are the owner of multiple pets, Figo will give you a discount. They also reward policy holders for each year they do not file a claim.
The cost of a Figo policy will depend on things like age, breed, and pre-existing conditions. There is also a $15 one-time fee and a $2 transaction fee for every payment, however.
8. Prudent Pet Insurance
There are three coverage plans available from Prudent Pet. They are Ultimate, Essential, and Accident-only.
The Accident-only Plan covers things like mouth or teeth injuries, wounds, broken bones, prescription medications, and emergencies like accidental ingestion.
The Essential Plan covers treatment for unusual growths, cancer, digestive illness, hereditary conditions, urinary infections, and more. The plan includes all the expenses that are covered in the accident-only coverage also.
The Ultimate Plan combines both the Accident-only and Essential Plan. In addition, you will be covered for expenses for rewards and advertising if your pet were to get lost. With this plan, you will not need to worry about expenses for replacing a stolen or stray pet, burial expenses, or cremation services. If you are hospitalized and your pet is boarded, the fees are covered. They will also pay fees for canceling your vacation due to your pet being sick.
There are several add-ons from Prudent Pet. They include an exam fee add-on, and three wellness plans. The levels range from low to high and cover from eight to eleven routine care costs.
Like other companies, Prudent Pet does not cover pre-existing conditions and customers are not happy with the rate increases at the time of renewal.
9. Pumpkin Pet Insurance
If you are a pet owner looking for accident and illness coverage without the additional cost for add-ons, you may want to consider Pumpkin Pet Insurance. The coverage protects your pet for sickness and injuries without paying deductibles for each incident. The policies have no annual limits or waiting periods for hip dysplasia or knee injuries.
The company offers a Preventative Essentials Pack for wellness exams, vaccines, and routine blood work. If you have more than one pet, you can get a discount. Pumpkin will also cover your pets no matter what the breed or age.
With Pumpkin coverage, you can choose your own veterinarian. The reimbursement rate is 90% of all covered treatments and procedures. They will not cover pre-existing conditions, however.
10. Geico Pet Insurance
Geico offers affordable insurance with discounts for spayed and neutered pets. If you are in the military or have a multiple pet household, you can get a discount on your Geico Pet Insurance Plan. To save even more, pay the premium in one lump sum or enroll in online payments.
Geico Pet Insurance covers accident and illness in one policy. The company offers a choice of deductible, annual limits, and reimbursement percentage. The customizable policy allows customers to adjust the coverage to make it fit your individual budget.
In addition to comprehensive coverage, the company offers prescription drug coverage and wellness coverage for an additional fee. The wellness plan covers your pet for routine vet visits, dental cleanings, vaccines, preventative treatment, and spaying and neutering. The prescription drug coverage is a separate optional add-on and is not included in the wellness plan, however.
Like other pet insurance coverage, the company does not cover pre-existing conditions and the premium is higher for older pets.
Buyer’s Guide: Choosing the Best Pet Insurance Provider in Idaho
What to Look for in Pet Insurance (for Cats, Older Dogs, Etc.)
Some of the key factors to look at when shopping for pet insurance in Idaho are coverages, affordability, and exclusions. Some companies may charge higher premiums for older cats and dogs. In some instances, they may not cover them at all. Pre-existing conditions can be covered in some instances but there are conditions. Depending on your pet, these are some things you need to be aware of when shopping for pet insurance.
Company reputation and customer service are also important considerations. Are customers satisfied with the product? Does the product fit my budget and provide the coverage I need for my pet? How does the claims process work?
Take the time to evaluate your needs and find a company that covers those needs at a price you can afford.
Policy Coverage
There are three main types of policies for pet insurance. They are comprehensive, accident and illness, and accident-only. Deciding which type of policy to buy will depend on your needs and your budget.
Customer Service & Reputation
When consumers purchase a product or service, the expectation is that the company wants their customers to be satisfied. Unfortunately, that is not always the case. It is important to research the company before you make a purchase. Find out if they provide problem resolution and pay claims in a timely manner.
What about access to customer service? Can you call day or night? Is there customer support on the weekends? If you read reviews from existing customers, you can gain some insight into the company policies for resolving issues and overall customer service.
Claim Repayment
When it comes to paying claims, no two companies are alike. The claims process can take from 48 hours to 30 days. In some cases, it may take longer. Since most companies do not pay the vet or hospital directly, you will need to have the funds available and wait for reimbursement. If your pet needs an expensive procedure, do you have the necessary funds? Can you wait 30 days for the money? Is using an in-network vet an option for you? It may mean life or death treatment for your pet.
Price of Policy
The choice of coverages will depend on your budget. What out of pocket expenses can you afford. Do you need coverage for routing exams and vaccinations? Are you looking for peace of mind for those unexpected accidents or injuries? Determining what out of pocket expenses are affordable for you will help to determine what coverages are necessary and the ones that may be manageable without insurance.
Plan Customization
Customizable insurance plans will allow you to purchase a pet insurance plan that is affordable for you. If your budget allows, you can get comprehensive coverage for peace of mind in all medical situations. Those of you that live in Idaho and have limited funds for pet insurance may want to purchase an accident-only to have peace of mind in case of emergencies. Policies that offer choice of coverage, annual limits, deductibles, and reimbursement percentages are very budget friendly. You want the coverage you need at a price you can afford.
FAQ
Is the company customer friendly?
Unfortunately, all companies treat you great when you are considering a purchase. How do they treat their customers when they have a problem or claim to file.
What questions should I ask when looking for pet insurance?
See what the company has to offer. Do they have a rewards or discount program? What are some of the exclusions? What is the policy on pre-existing conditions? Are they customer friendly? Can you customize your coverage to fit your budget? How long does the claims process take? Read reviews and see what customers are saying. Does the company stand by its product, or do they look for reasons to not pay claims? Reviews can be extremely helpful when purchasing a product or service.
Does the company provide coverage in Idaho?
When you are looking for coverage for your pet, be sure that the company provides coverage in Idaho. Many pet insurance companies provide coverage in all 50 states, some do not. Don’t waste time looking at coverage and then realize they do not offer it in your state.
What the Users Say
Like most products, the customer reviews for pet insurance companies and policies are mixed. Of course, customers that had claims paid promptly were very satisfied, while the ones that were denied were not happy. In some instances, the confusing language in the policies make customers feel like they were cheated.
The reviews varied among companies and the coverages they provide.
Which Pet Insurance Provider Is Best for You?
Choosing the right pet insurance will depend on your pet’s needs, your budget, and coverages available in your state. Your pet’s health will also determine the coverage and company you pick.
As we review pet insurance companies, we want to provide information for pet owners with diverse needs and budgets. We want you to know what perks and discounts are available for you. We also list the pros and cons for each company.
The information we provide is a brief overview to help you decide which ones offer the basics you need. Once you eliminate the ones you do not care for, you look at the ones that look like they may give you what you need.
Conclusion
The reality is that the likelihood of finding a company that gives you everything you want is slim. Finding one that is affordable and provides you with some peace of mind is our goal. The companies we listed have varying coverage options, discounts, and perks to fit all budgets. Hopefully, the list of reviews for insurance companies that offer coverage for pets in Idaho is helpful and informative.
Featured Image Credit: Ekaterina Minaeva, Shutterstock
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