Pets are part of the family, and many pet owners are willing to pay thousands of dollars for their pet’s veterinary care and treatments. But what happens if your pet gets sick or injured, and you have to spend even more money on treatment? Do you have a backup plan? Pet insurance can provide peace of mind so you won’t break the bank trying to care for your pet when they need it most. There are several options available when choosing pet insurance in Utah, including cost, deductible, type of coverage, and price points. Read on for details about pet insurance plans in the Beehive State, so you can decide which one is best for you and your pet.
A Quick Comparison of the Winners for 2024
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Best Overall
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Lemonade |
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Best Value
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Embrace |
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USAA |
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Fetch by The Dodo |
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Spot |
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Click to Get Quote |
The 12 Best Pet Insurance Providers in Utah
1. Lemonade — Best Overall
Lemonade pet insurance isn’t available in all states, but it is available to residents of Utah. It offers the best overall policies in the state, with affordable pricing and comprehensive coverage options. With Lemonade, you can receive coverage up to $100,000 per year. It’s easy to submit claims with the mobile app, and if you choose to purchase home or renters insurance, you will receive a 10% discount.
Unlike many pet insurance companies that don’t cover preventative care, Lemonade does. If your puppy or kitten is under 2 years of age, there are extra coverage options, and there are also plans that cover exam fees. What stands out most about Lemonade is its 2-day waiting period for coverage. Most insurance companies require a 2-week waiting period.
Lemonade does not offer any coverage for dental illnesses, pre-existing conditions, or behavioral concerns. It also only offers insurance coverage in 15 states, which could be a huge negative if you need to move.
2. Embrace — Best Value
Embrace pet insurance is the best pet insurance in Utah for the money. It offers multi-pet discounts and has no lifetime coverage limit. It also has something called “diminishing deductibles.” Each year that you don’t file a claim, your deductible will decrease. Wellness plan add-ons are available to cover routine care, vaccinations, spay-and-neuter surgery, and holistic treatments.
Pets must be under 14 years of age in order to qualify for Embrace pet insurance. While it doesn’t have coverage limits on its accident-and-illness policy, there are limits on add-on coverage. It also only covers a maximum of $650. Unused amounts are lost and will not roll over to the next year.
3. USAA
The best pet insurance plan in Utah for military members is from USAA, a financial services company that specializes in serving military members and their families. As a member of the military, you likely have other USAA products, including insurance for yourself and your family members. You can add pet insurance to your existing policy to make sure your pets are covered too.
Pet insurance from USAA is available for cats and dogs of all ages. While most pet insurance plans cover wellness care, USAA also covers common injuries and illnesses.
While pet insurance from USAA has great coverage, it’s also one of the more expensive options available in Utah. You can add pet insurance to your existing military policy for a discounted fee of $15 a month for cats and $25 a month for dogs.
4. Fetch by The Dodo
Formerly known as PetPlan, Fetch is now one of the leading pet insurance providers in North America. It offers coverage throughout North America and provides policies for dogs and cats 6 weeks of age and older. Fetch doesn’t have an upper age limit to receive coverage and offers up to 90% reimbursement on claims. There are multiple tiers for pricing and coverage, and the plans are customizable to make your premiums affordable.
Unfortunately, Fetch doesn’t offer coverage for wellness care and requires veterinary screenings for pets over the age of 6. This leaves coverage options for older pets at the company’s discretion.
5. Spot
Spot is the only pet insurance company in Utah that offers a 30-day money-back guarantee if you get buyer’s remorse. It has no age limit for enrollment, offers unlimited coverage, and covers examination fees. Its accident/illness plan covers a few things that many other companies don’t, including behavioral issues, hip dysplasia, and dental disease. While it doesn’t cover pre-existing conditions, it will cover chronic conditions, provided that they are diagnosed after you apply for coverage.
Unfortunately, Spot has fairly expensive monthly premiums compared to its competitors, along with an extended waiting period. Customer service is lacking too. While some policies offer 24/7 assistance, Spot limits access to Monday–Friday during business hours.
6. Healthy Paws
Healthy Paws offers unlimited lifetime coverage for accidents and illnesses and has no limits on coverage for specific conditions. You can receive reimbursement for claims within 48 hours and visit any vet in North America, making it a great choice for people who travel with their pets.
If you have a pet over the age of 6, they will be ineligible for hip dysplasia coverage. Under the age of 6, you will have a 12-month waiting period to obtain this coverage. The waiting period of 15 days for accident coverage is more than most companies. Plans are not customizable, and there are no options to add wellness coverage.
7. Prudent Pet
Prudent Pet Insurance offers only two plans, but it covers things that many other companies don’t. Should you need help caring for your pet due to illness, it will reimburse boarding fees for a kennel and the cost of advertising for a lost pet. Prudent has a 10% multi-pet discount and a 5-day waiting period for coverage.
Reimbursement options range from 70% to 90%, and there are four deductible choices to minimize your monthly premiums. If you are willing to pay for it, there is even an unlimited coverage plan with no annual limit.
8. Figo
Without a doubt, Figo is the best insurance option for cat parents in Utah. Its premiums are lower for cats than any other company on this list. With the Figo mobile app, you can submit claims easily and receive fast reimbursement. It also gives you telehealth access anytime.
Prescription diets and preventative care are included in the wellness coverage. There are no limits, so you won’t have to worry about maxing out your coverage.
Figo isn’t the best choice for dog owners, though, as the premiums are much higher than for cats. There is no coverage available for pre-existing conditions.
9. ASPCA
ASPCA offers similar plans and pricing to Spot pet insurance but with different deductibles and coverage limits. Its plans cover exam fees related to emergency visits, and there are no condition-specific waiting periods. Multi-pet discounts of 10% are available, which is significantly higher than most other insurance companies.
There is wellness coverage available with ASPCA, but it has a $10,000 maximum payout. There is no option to pay higher deductibles in order to reduce monthly premiums.
10. Pets Best
Pets Best offers Utah residents economic insurance coverage that’s available after only a 3-day waiting period. Choosing your deductible allows you to keep monthly premiums low, and Pets Best has the option to directly pay your vet instead of waiting for reimbursement.
With Pets Best Insurance, you can access 24/7 telehealth services and receive a 5% multi-pet discount. If you have a pet that may be prone to an inherited condition, like cruciate ligament issues, you may want to consider different coverage, though. Pets Best has an extended waiting period of 6 months for these types of diagnoses.
11. Hartville Pet Insurance
Hartville pet insurance offers low deductibles, customizable plans, and wellness add-on choices so you can build the best policy for your needs. You can mix and match deductibles, coverage limits, and reimbursement percentages to keep premiums low. One thing that Hartville offers that most other companies don’t is the cost of microchip implantation. It also covers dental illness within the base policy, which isn’t available with many competitor options.
Hartville has a $10,000 maximum annual payout cap, which is lower than most other providers. It also includes a monthly transaction fee on your bill, which makes your premium price higher than actually quoted.
12. MetLife
While waiting periods are standard practice in the pet insurance industry, MetLife doesn’t have any. You will receive accident coverage on the day that you apply for a policy. It offers 100% reimbursement on claims and unlimited annual coverage. You have telehealth access and will even receive coverage for grief counseling and end-of-life care should you need it.
MetLife takes up to 2 weeks to reimburse claims and has extended 6-month waiting periods for certain illnesses. The premiums are also quite high compared to its competitors.
Buyer’s Guide: Selecting the Best Pet Insurance Provider in Utah
What to Look For in Pet Insurance in Utah
The biggest consideration when shopping for pet insurance is to find the best possible coverage at the lowest possible price. No two policies are created equal and they cover different things. Read on for advice on evaluating pet insurance policies.
Policy Coverage
Policy coverage should be evaluated based on the entire lifespan of your pet. Many insurance policies have lifetime or annual maximums for coverage, but they cost less than a policy with unlimited coverage. It’s unlikely that you will exceed these limits, and many companies allow you to roll over unused portions.
Wellness coverage is a great choice if you can make use of what it covers. In many cases, add-ons increase your premium significantly, and you may be purchasing coverage that you won’t use.
Customer Service & Reputation
Customer service is always an important consideration. Should you have an emergency and need help receiving coverage, you need to be able to consult with your insurance company. Many companies on this list offer 24/7 access to customer service and the claims department.
Claim Repayment
Reimbursement times are important. If your policy doesn’t offer direct pay, you’ll have to wait to get your money back. No one wants to wait months for payment to show up. Check out customer reviews for the insurance company that you choose to find out how long claims take to pay out.
Price of Policy
Premiums for pet insurance can be reasonable or exceptionally high. Most offer customizable options for a higher deductible and a lower premium. Just make sure you don’t set your deductible so high that you never receive payment on your policy. If your deductible is $2,000, for example, and the total of your claim for a year is only $1,500, you’re not maximizing the use of your policy, as you’ll never get reimbursement.
Plan Customization
Some companies have rigid plans with no ability to choose your coverage. Customization options mean you can add or take away from your policy as needed over time. It also gives you wiggle room on your monthly premiums.
FAQ
What Does Pet Insurance Cover?
Coverage varies between insurance companies, but most policies cover unexpected expenses due to accidents or sudden illness. This covers medications, diagnostic testing, and emergency surgeries. Some policies also cover emergency examination fees, but this is not universal.
How Much Does Pet Insurance Cost in Utah?
Pet insurance premiums in Utah range from as little as $14.00 to over $45.00 per month for dogs. Cat policies range from $13.00 to $25.00, depending on your coverage. These averages are based on healthy animals that obtained coverage under the age of 2. Premiums can increase greatly for older pets or animals with a health condition.
It is always recommended to get quotes from multiple insurance companies before signing up for a policy.
Does Pet Insurance Cover Pre-existing Conditions?
Embrace is the only company on this list that offers any type of pre-existing condition coverage. However, this is limited to curable conditions, and there are specific limitations to the coverage. You should always clarify coverage details when signing up for a policy.
Most companies won’t cover veterinary care related to a pre-existing diagnosis, but they will offer emergency coverage for the pet. If your pet has a pre-existing condition, it’s important to clarify what your policy will and will not cover, to avoid being stuck with unexpected bills.
What the Users Say
Most people are happy that they have pet insurance. While it is another monthly expense, it grants peace of mind that your vet bills will be covered in the event of an emergency. The possible downside is spending the money on the insurance only to never need to use it, but then, this means you have a healthy pet!
Which Pet Insurance Provider Is Best for You?
There’s no one-size-fits-all pet insurance policy. Your needs and the health status of your pet will determine which company is best for you. There are several options for accident-and-illness coverage in Utah, but you will need to choose carefully if you are looking for wellness care or preventative care coverage.
If you choose wellness add-on packages, look for companies that offer the best reimbursement rates or ones that cover the specific type of care that you want to be reimbursed for (like vaccinations, prescription food, or behavioral therapy). Some companies cover microchipping or spay/neuter surgery too. If you have more than one pet, you want to look for a company that offers multi-pet discounts.
Conclusion
Hopefully, you now have a good overview of the types of pet insurance available in Utah and which company is best for you and your pet. Explore each company before choosing, and get multiple quotes to ensure that you are getting the best price and coverage available. The right pet insurance can make you feel better knowing that you can cover the cost of emergency healthcare for your furry friend.
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Featured Image Credit: LightField Studios, Shutterstock
