Moving homes is always hectic, and it’s even more so when you’re moving to a new state entirely. Not only do you have to make sure you have all your possessions and your pets, but you also have to consider whether your pet insurance policy covers you in your new location so you can ensure that you can afford any unexpected veterinary costs.
Fortunately, most pet insurance providers offer policies for pet owners across the U.S.A., no matter where you are. If you’re new to Idaho or perhaps just want to stick with a pet insurance company with roots in your home state, this list of providers will help you get started.
A Quick Comparison of the Winners for 2024
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Best Overall
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Spot |
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Trupanion |
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Embrace |
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Pets Best |
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ASPCA Pet Insurance |
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The 10 Best Pet Insurance Providers in Idaho
1. Spot Pet Insurance – Best Overall
| Annual Coverage: | $2,500–Unlimited |
| Reimbursement: | 70–90% |
| Deductible: | $100–$500 |
Although Spot Pet Insurance is almost identical to other pet insurance companies, it offers a broader range of coverage options, including an unlimited plan. Spot has a 24/7 helpline, an optional wellness plan, and a 10% multi-pet discount. It also covers accident-and-illness exam fees.
While Spot does cover preventative care, it requires an additional cost for the optional wellness plan but is an excellent option for those looking to prevent their pets from getting sick. It also has a 14-day waiting period for accidents, which matches the average for other insurance providers but isn’t one of the quickest. There are no upper age limits which is another reason we think this is the best pet insurance provider in Idaho.
2. Trupanion Pet Insurance
| Annual Coverage: | Unlimited |
| Reimbursement: | 90% |
| Deductible: | $0–$1,000 |
Launched in 2000, Trupanion has since grown into one of the biggest pet insurance providers in the U.S.A., with coverage that includes pet owners in Canada and Australia. To meet its goal to help pet owners afford unexpected costs, Trupanion has a 24/7 helpline that will help guide you through filing claims and other emergency issues that your pet might face.
Trupanion also has a unique approach to helping pet owners with their own unexpected accidents, as it covers the costs of pet-related expenses if you end up hospitalized for any reason.
Along with covering unexpected conditions, Trupanion helps cover the cost of your pet’s recovery and has an unlimited coverage plan.
The focus on emergency care and helping aid your pet’s recovery unfortunately doesn’t extend to preventative care. Exam fees for accidents and illnesses aren’t covered by the plan either, and there’s a 30-day waiting period for illnesses.
3. Embrace Pet Insurance
| Annual Coverage: | $5,000–$30,000 |
| Reimbursement: | 70–90% |
| Deductible: | $200–$1,000 |
Embrace is one of the biggest pet insurance providers in the U.S.A., and its approach and budget-friendly coverage plans make it a favorite for pet owners in Idaho too. It also rewards long-term policyholders by lowering the deductible by $50 for every year that you don’t need to file a claim.
With a 24/7 helpline and a 2-day waiting period for accidents, Embrace is quick to respond to questions and claims. Orthopedic conditions take a little longer to process, with a waiting period of 6 months.
While Embrace does cover exam fees for accidents and illnesses, routine veterinary visits don’t fall under its insurance plan. However, there is an optional wellness package that can help you manage your budget and that reimburses you for preventative care expenses.
4. Pets Best Pet Insurance
| Annual Coverage: | $5,000 or Unlimited |
| Reimbursement: | 70–90% |
| Deductible: | $50–$1,000 |
One of the best options for pet insurance in Idaho is a company based in the state itself. Pets Best might have quickly grown into one of the U.S.A.’s biggest pet insurance providers, but it was founded by Dr. Jack Stephens and Greg McDonald in Boise in 2005.
The idea for Pets Best came about after Dr. Stephens euthanized a dog in 1979 and wanted to find a way to help pet owners afford emergency veterinary care. To reach this goal, Pets Best offers six deductible choices between $50 and $1,000; $5,000 or unlimited coverage; and 70%, 80%, and 90% reimbursement choices. It’s also a good choice for multiple pet households, with a 5% discount for each pet.
Provided that the accident claim that you put through is accepted, Pets Best has an option for direct payment to your veterinarian available, so you don’t have to wait for your policy to reimburse you. It also has a 24/7 pet health helpline.
While the accident waiting period is 3 days — one of the best in the industry — cruciate ligament conditions can take 6 months to process. The optional wellness coverage also costs extra.
5. ASPCA Pet Insurance
| Annual Coverage: | $3,000–$15,000 |
| Reimbursement: | 70–90% |
| Deductible: | $100–$500 |
As the biggest authority for pet welfare in the U.S.A., the ASPCA is one of the best pet insurance agencies for Idaho residents. Partnered with Crum & Forster Pet Insurance Group™, the ASPCA supplies pet owners with reliable coverage for their accident-prone pets.
Although there is no unlimited plan, the annual coverage limits do give you plenty of options to choose from, depending on your needs. The coverage ranges from $3,000 at the lowest end to $15,000. This policy includes an optional wellness plan and a 24/7 helpline, so ASPCA Pet Insurance is always available when you need it.
Along with a 10% multi-pet discount, ASPCA Pet Insurance covers microchipping and the exam fees for illnesses and accidents. Unlike many other insurance providers that only cover cats and dogs, ASPCA Pet Insurance covers horses too.
While some of the top providers have a short 2–3-day waiting period for accidents, the ASPCA requires 14 days. However, it doesn’t have long waiting times for conditions like cruciate ligaments.
6. Pumpkin Pet Insurance
| Annual Coverage: | $10,000, Unlimited |
| Reimbursement: | 90% |
| Deductible: | $100–$500 |
Designed for pets of all ages and breeds, Pumpkin offers the same 90% reimbursement across all its policies. It also doesn’t limit or change the policy as your pet ages, so you can benefit from the coverage that you pay for until your pet is well into their seniority.
The optional wellness plan costs extra but helps you afford routine care for your cat or dog. Owners of multiple pets can benefit from the 10%, multi-pet discount.
Pumpkin has a 14-day waiting period for accident-and-illness claims. While this length of time is common across pet insurance policies, there are options with shorter wait periods. However, Pumpkin doesn’t have an extended waiting period for special conditions like cruciate ligaments or hip dysplasia.
If you prefer being able to contact your policy provider at all times, Pumpkin might not be the right option for you. Although it does respond quickly when you get in contact — and the customer service agents are human rather than bots — it doesn’t have a 24/7 helpline to reach out to if you need it.
7. Prudent Pet – Pet Insurance
| Annual Coverage: | $10,000 or Unlimited |
| Reimbursement: | 70–90% |
| Deductible: | $100–$1,000 |
Prudent Pet might not offer many coverage options, with only $10,000 or unlimited plans available, but it does enable you to adjust your policy to suit your pet’s needs. While unlimited plans can be beneficial if you spend a great deal of time at your local veterinary clinic, they can feel extravagant if you don’t need the coverage. The $10,000 coverage limit enables you to lower the premium to help you budget according to your pet’s needs.
With a 24/7 helpline, optional wellness plan, and a 10% multi-pet discount, Prudent Pets is an affordable option for owners of multiple cats and dogs in Idaho. If you find yourself unhappy with the plan, it also offers a money-back guarantee for the first 30 days.
While some insurance providers cover exam fees for accidents and illnesses at no extra cost, Prudent Pets only covers examinations for an extra fee. It also has a 14-day waiting period for illnesses.
8. Healthy Paws Pet Insurance
| Annual Coverage: | Unlimited |
| Reimbursement: | 50–90% |
| Deductible: | $100–$1,000 |
Founded by Steve Siadek and Rob Jackson, who met through a no-kill animal shelter, Healthy Paws is a pet insurance provider and a non-profit foundation. Not only does it help pet owners afford emergency veterinary care for their pets, but it also supports shelters and rescues and helps homeless pets find their forever homes.
Healthy Paws offers pet owners plenty of coverage for their pets with an unlimited plan and a 24/7 helpline. You can also set up your policy so Healthy Paws pays your veterinarian directly rather than you waiting for reimbursement. Its 2-day waiting period for accidents is also one of the best in the industry.
The deductibles and reimbursement that Healthy Paws offer vary depending on the age of your pet, and it has one of the more expensive options for older cats and dogs. It also doesn’t offer a wellness plan, cover examination fees for accidents or illnesses, or insure hip dysplasia in pets over 6.
9. Figo Pet Insurance
| Annual Coverage: | $5,000–Unlimited |
| Reimbursement: | 70–100% |
| Deductible: | $500–$750 |
One of the few pet insurance providers that offer a 100% reimbursement option is Figo. It also has one of the shortest waiting times for accidents, with a 1–3-day period following your claim. The 24/7 helpline connects you with trained veterinarians, so help is always on hand when you need it.
Unlike other insurance providers, Figo helps its policyholders make friends with its Pet Cloud. This app enables you to connect with fellow pet owners and find pet-friendly locations that you can visit.
Figo offers an optional wellness plan and covers exam fees for accidents and illnesses for an extra cost. While you can customize the deductible for your plan, lower options aren’t available for older pets. Despite its short waiting period for accidents, Figo has a 6-month waiting period for knee injuries.
10. Hartville Pet Insurance
| Annual Coverage: | $5,000–Unlimited |
| Reimbursement: | 70–90% |
| Deductible: | $100–$500 |
Underwritten by the United States Fire Insurance Company, Hartville is one of the more expensive options for pet insurance. It offers many benefits to pet owners, including an unlimited plan and an optional wellness package for routine veterinary visits.
To stand out from other insurance providers, Hartville offers a 30-day trial and the choice between monthly or annual payments. It also offers a 10% discount for owners who add multiple pets to their policy and has a more affordable accident-only coverage plan for budget-conscious pet owners.
Although the 14-day waiting period for accident claims is longer than some other pet insurance providers, the waiting period is the same for all claims, regardless of what they’re for. Unlike other providers, Hartville doesn’t have a 24/7 helpline, and the plans are more expensive the older your pet is.
Buyer’s Guide: What to Look For in Pet Insurance Providers in Idaho
When you first start looking into pet insurance providers, they can all look almost identical. This only makes your job as a pet owner much harder. We put together this list to guide you through finding the best policy for you and your pet based on the following criteria.
Policy Coverage
The first thing to consider is what an insurance provider covers. You’ll need to consider how many pets you have, your lifestyle and how likely your pets are to get into mischief, and finally, any hereditary issues that your pet could develop due to their breed.
For example, Healthy Paws is one of our favorites but doesn’t cover hip dysplasia for animals over 6 years old. If you have a breed that’s prone to developing the issue, you might be better going with another policy provider.
You won’t find a plan that covers pre-existing conditions, but you will find providers that vary what they do cover. This is why comparing quotes and coverage is the best way forward.
Customer Service & Reputation
When you’re lost in the world of understanding insurance terms like deductibles and annual coverage, a company’s customer service and reputation can fall through the cracks. The best way to tell how well an insurance provider treats its policyholders is by asking the clients themselves.
Check out the reviews — good and bad — for the company. This will give you a better idea of how well the company treats its clients and how easy it is to submit claims or adjust the policy. Reviews can also give you an idea of how well the company responds to upset customers. The better their customer service is, the more likely the company will have a good reputation.
Claim Repayment
All pet insurance providers have a waiting period that you have to go through as claims are processed. This varies between companies, with 14 days being the average for accidents and illnesses. Some policies have a super-fast standard turnaround of 2–3 days but a 6-month waiting period for issues like cruciate ligament conditions. This waiting period is what decides how long you have to wait before being reimbursed for the claim.
The claim repayment is also decided by the deductible and reimbursement rates offered by your insurance company. High deductibles and low reimbursement rates mean you will pay more out of pocket and get less back once your policy kicks in. However, the premium will likely be cheaper overall.
Price Of Policy
More often than not, pet insurance is worth the cost because it helps you afford vet fees for unexpected visits to the clinic. However, the benefits of the plan that you choose can be better or worse, depending on how much the price of your premium is.
In general, a low deductible and a high reimbursement will both push up the price of your policy. You will also have other costs to consider — like an optional wellness plan — and premiums might increase as your pet ages. Paying monthly or annually can change the cost too.
Overall, pet insurance is generally cheaper than an emergency trip to the vet, but it can still add up the longer that you have your policy. It’s important to compare the costs of coverage between companies to make sure you’re getting the best option for your budget.
Plan Customization
Pets are individuals, and this goes for their health issues too. You might have several senior pets with arthritis, or all of your pets might all have completely different conditions. A more customizable plan can help you match your policy to the needs of your pets, whether you have one or several.
Customization doesn’t just enable you to adjust the annual coverage, reimbursement, and deductible. It also enables you to add extra packages to your existing plan — like wellness care — or lower your premium by choosing an accident-only policy. This can make it easier to support your pet by creating a policy that does what you want it to for each of your pets while remaining affordable.
FAQ
What Is Pet Insurance?
Nobody likes thinking about their pet getting hurt or sick, but it does happen. Part of our responsibility as pet owners is to keep our furry friends healthy even when things go wrong. Pet insurance enables us to afford emergency vet visits, which can cost a few thousand dollars, depending on the treatment that our pet needs.
The right provider will enable you to file a claim and get reimbursed for some or all of the expenses of your pet’s treatment, depending on the reimbursement rate and deductible. Some policies will cover the ongoing recovery costs as your pet heals too. This can help you budget for the unexpected and still have funds left over for all your other responsibilities.
Does Pet Insurance Cover Pre-existing Conditions?
Like human health insurance, pet insurance has exclusions regarding what each plan covers. For pet insurance, exclusions can range from routine care, exam fees, and most commonly, pre-existing conditions. While you can find insurance providers that offer coverage for preventative care and exam fees — usually for an extra cost — none of them cover pre-existing conditions.
Pre-existing conditions are illnesses, injuries, or other issues that your pet has before you apply for pet insurance. For example, if you realize that you’ve been spending a great deal of time at the vet due to your senior dog’s arthritis, you might assume that pet insurance will help you out. Unfortunately, since your dog’s arthritis is already a known condition, no insurance company will cover it, and you’ll still have to pay for the ongoing treatment out of pocket.
This exclusion of pre-existing conditions is why you should apply for pet insurance as soon as possible. The younger your cat or dog is when you sign them up for pet insurance, the less likely they are to have developed pre-existing conditions. If they do ever develop health issues, they’ll be covered by the policy.
Does Pet Insurance Cover Preventative Care?
Preventative care covers routine visits to your veterinarian. These can be simple wellness checks, vaccinations, or spaying and neutering surgery. Depending on the insurance provider that you choose, different policies have different approaches to this type of care.
Most insurance policies don’t reimburse you for preventative care. Instead, they will offer separate packages that you can add to your plan for an extra cost. This enables you to adjust your policy depending on how many pets you have and how much time you spend at the vet for routine checkups.
However, this isn’t the same across the board. Some insurance companies, like Trupanion, don’t cover preventative care or exam fees at all. Routine wellness checks are considered an expected cost of owning a pet and are a responsibility that you accept when you adopt or buy a furry companion.
What If My Insurance Company Isn’t Mentioned in Your Reviews?
If we didn’t mention your current insurance company in our list, that doesn’t mean it’s not a good option if you live in Idaho. There are many pet insurance providers out there, and we simply can’t list them all; the ones that we’ve mentioned are to help people get started in searching for a reliable company.
If you’re moving and you want to make sure your existing insurance company covers you in Idaho, your best choice is to visit its contact page and ask there. A live chat agent or a quick phone call will be able to tell you whether the policy will follow you to your new home.
What the Users Say
Pet insurance can seem like a complicated expense, but many pet owners agree that it’s worth the cost. When it comes to keeping your pet safe and being able to afford emergency vet visits, the money that you put into a reputable insurance policy is more than worth it for the welfare of your pet.
While most people have a positive experience with their pet insurance providers, there are always horror stories of claims never being accepted and pet owners who never see a return on their investment. This is why it’s important to carefully research several companies rather than jumping at the first one that you find. By doing your homework, you’ll find an insurance company that you can trust to support you when you need it.
Which Pet Insurance Provider Is Best for You?
Although we can help point you in the direction of reputable pet insurance companies, we can’t determine which provider is the best match for you. Every pet owner has unique circumstances, and you know your pets and your lifestyle better than anyone. For that reason, your own research into the companies is essential if you want to ensure that your policy will meet your needs.
Use this list of pet insurance providers in Idaho as a starting point to get free individual quotes from each company. Compare them with each other and consider the various parameters. It’ll take a bit of work, but you’ll be much happier with your final choice once you know what to expect from the company and that it’ll meet your needs.
Conclusion
Pet insurance is a necessary expense if you want to protect your pets from unexpected accidents. The right policy will kick in when you need it and might even pay the vet bill for you, taking a weight off your mind when it comes to budgeting for expensive vet visits.
Most pet insurance companies will cover you anywhere in the U.S.A., but there are a few that are more suited for certain locations.
See also:
Featured Image Credit: Ekaterina Minaeva, Shutterstock
