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5 Best Pet Insurance Companies in Iowa (2021)

Pet parents in Iowa take excellent care of their companions, and pet insurance can provide added protection. This comprehensive guide explains the pricing, pros, and cons of the best pet insurance companies in Iowa.

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Inhabitants of the Hawkeye State love to adventure with their pets, whether exploring the historic streets of Des Moines or walking the art scene of Cedar Rapids. Purchasing pet insurance in Iowa can provide peace of mind during an accident or emergency, leaving you free to focus on your recovering pet instead of unexpected veterinary bills.

In our research of the best pet insurance in Iowa, we scored top companies on factors including their plans, pricing, coverage, and benefits to find the best options for pet parents. We’ve also included sample quotes we received for 4-year-old pets living in Des Moines at a 50315 ZIP code with a $5,000 annual limit, $250 deductible, and an 80% reimbursement rate when those options were available.

Iowa’s Top 5 Pet Insurance Providers

  • Lemonade: Best Overall
  • Prudent Pet: Most Comprehensive Plan
  • Healthy Paws: Best Coverage Limit
  • Embrace: Best Deductibles
  • Petplan: Best Holistic Coverage

Lemonade

Lemonade is our top choice for pet insurance in Iowa due to its flexible coverage with add-on options, affordable pricing, and shorter waiting period than many of its competitors.

  • Our score: 96
  • Coverage caps are adjustable and range from $5,000–$100,000
  • Provides a 10% discount for bundling pet coverage with Lemonade homeowners insurance or Lemonade renters insurance
  • Offers add-ons for physical therapy, wellness, and vet visit fees, allowing you to create a customizable plan for your pet’s individual needs

While some may be put off by the C rating from the Better Business Bureau (BBB), we’ve found that the negative reviews come from unhappy homeowners or renters insurance customers rather than pet insurance complaints.

Lemonade Pros and Cons

✔ Preventative care add-on gives extra benefits for puppies and kittens less than 2 years old
✔ Consistently offers lower prices than competitors for diverse pet breeds and ages
✔ Has a short 48-hour waiting period for accident coverage

✘ Requires a veterinary exam for your dog or cat from within the past 12 months before you can enroll in coverage
✘ Doesn’t provide coverage for behavioral treatments

Lemonade Plans and Coverage

Lemonade’s standard plan covers broken bones, toxic ingestions, heart disease, cancer, sprains, diagnostic tests, prescription medications, specialist care, hospitalizations, emergency and outpatient care, and other veterinary bills for unexpected accidents and illnesses.

Add-on options include coverage for vet bills, physical therapy, and preventative care costs such as fecal tests, up to three vaccines, heartworm medications, and a blood test.

Lemonade coverage doesn’t include pre-existing conditions, elective and cosmetic procedures, behavioral treatments, alternative therapies, or dental illnesses.

Lemonade Pet Insurance Cost

Species - Breed Dog - Medium Mixed Dog - Dalmatian Dog - Dachshund Cat - Domestic Medium Hair
Species - Breed Dog - Medium Mixed Dog - Dalmatian Dog - Dachshund Cat - Domestic Medium Hair
Accident and illness plan $19.92 $31.67 $21.67 $12
Accident and illness plan with preventative care $35.92 $47.67 $37.67 $22
Accident and illness plan with vet visit fees and physical therapy $25.17 $40.17 $27.42 $15.08

Get Quote: Compare Rates with Lemonade

Learn More: Lemonade Pet Insurance Review


Prudent Pet

For pet parents seeking generous coverage caps and more comprehensive benefits, including lost-pet advertising reimbursement and boarding costs if you’re hospitalized and can’t take care of your pet, Prudent Pet may be the best choice.

  • Our score: 95
  • Its Accident-Only Plan offers up to $10,000 of coverage for unexpected incidents
  • Provides up to $1,000 of behavioral treatment coverage with the Ultimate Plan
  • Offers a 24/7 vet chat to all policyholders

Prudent Pet lost points in our review for its higher premium prices than its competitors and its set coverage caps.

Prudent Pet Pros and Cons

✔ Provides a range of three plans and two add-ons for customizable coverage
✔ Offers a 10% discount for customers with multiple pets
✔ The Ultimate Plan offers unlimited coverage caps, giving pet parents peace of mind that they will not need to pay for treatment out of pocket after hitting an annual coverage limit

✘ No mobile app available for customers to manage their policy or file claims
✘ Doesn’t provide customization choices for annual coverage limits

Prudent Pet Plans and Coverage

Prudent Pet offers three plan options at increasing coverage levels: Accident-Only, Essential, and Ultimate. Accident-Only and Essential plans cap coverage at $10,000 annually. Both cover incidents like dental injury, broken bones, hospitalization, surgery, and swallowed objects. The Essential Plan also extends coverage beyond accidents to cancer treatments, hereditary, eye, ear, and skin conditions, urinary infections, and up to $250 of behavioral treatment.

The Ultimate Plan includes all of these costs as well as other benefits like advertising and reward fees for a lost pet, pet replacement fees due to theft or stray, mortality benefits to cover cremation or burial costs, and even a vacation cancellation reimbursement due to a sick pet. Add-on wellness coverage for routine care is also available for purchase.

Prudent Pet doesn’t cover costs related to pre-existing conditions, breeding and pregnancy, anal gland expression, or elective procedures.

Prudent Pet Pet Insurance Cost

Species - Breed Dog - Medium Mixed Dog - Dalmatian Dog - Dachshund Cat - Domestic Medium Hair
Species - Breed Dog - Medium Mixed Dog - Dalmatian Dog - Dachshund Cat - Domestic Medium Hair
Accident-Only Plan $13.05 $22.37 $14.29 $7.82
Essential Plan $29.65 $50.83 $32.48 $17.78
Ultimate Plan $39.22 $67.23 $42.95 $21.20

Get Quote: Compare Rates with Prudent Pet

Learn More: Prudent Pet Pet Insurance Review


Healthy Paws

Healthy Paws is a great option for pet parents who want one straightforward plan with no coverage limits and want to work with a company that has a long history of charity work for animals.

  • Our score: 93.5
  • Coverage caps have no annual, per-incident, or lifetime limits
  • Mobile app provides pet health and training tips
  • Has donated more than $1 million toward ending pet homelessness

Healthy Paws had points deducted in our research for its long waiting period as well as for its lack of customization options.

Healthy Paws Pros and Cons

✔ Each filled-out quote provides a donation to charity
✔ The site’s pricing comparison tool will direct you to other pet insurance providers if it deems your quote to be high
✔ Provides a direct deposit option that gives quick reimbursement for claims

✘ Doesn’t provide add-on options for routine and preventative care
✘ Has a 12-month waiting period for hip dysplasia coverage

Healthy Paws Plans and Coverage

The unlimited coverage on Healthy Paws’ plan includes items like diagnostic tests, surgery, hospitalization, imaging, prescription medications, and chronic, congenital, and hereditary conditions. Thanks to its lack of coverage caps, all eligible treatments, testing, accidents, and illnesses will be covered for the duration of your policy.

Healthy Paws does not cover any routine or preventative care costs, exam fees, pre-existing conditions, elective procedures, spaying, or neutering. In addition, pets must wait 12 months after enrollment before becoming eligible for hip dysplasia treatment.

Healthy Paws Pet Insurance Cost

Species - Breed Dog - Medium Mixed Dog - Dalmatian Dog - Dachshund Cat - Domestic Medium Hair
Species - Breed Dog - Medium Mixed Dog - Dalmatian Dog - Dachshund Cat - Domestic Medium Hair
Accident and illness plan $39.14 $47.53 $43.01 $18.30

Get Quote: Compare Rates with Healthy Paws

Learn More: Healthy Paws Pet Insurance Review


Embrace

Embrace pet insurance could appeal to pet owners who are looking for flexible deductibles and discounts for pet wellness that accrue each year.

  • Our score: 93.5
  • Has 18 years of experience insuring pets, which is more than most providers in the industry
  • Its Healthy Pet deductible will credit policyholders $50 toward their deductible for each year without filing a claim
  • Covers preventable conditions, such as parvo, Lyme disease, and parasites
  • Offers five deductible options to choose from: $200, $300, $500, $750, and $1,000

Embrace lost points in our review because its coverage requires an exam at sign-up and it has more limited options for customer service than some of its competitors.

Embrace Pros and Cons

✔ Offers discounts to military members and customers who insure multiple pets
✔ Offers plans for pets of all ages, rather than ending coverage at a certain age limit
✔ Its Wellness Rewards add-on covers 100% of vet bills up to the specified limit, rather than reimbursing a certain percentage of each routine care item

✘ Doesn’t provide coverage caps beyond $30,000
✘ Larger dogs are often quoted higher premiums than competitor rates

Embrace Plans and Coverage

Embrace’s accident and illness plan covers treatments such as cancer, allergies, dental trauma, genetic and chronic conditions, hospitalization, surgery, emergency care, and prescription drugs, along with diagnostic tests such as physical therapy, allergy testing, CT scans, ultrasounds, MRIs, and more.

The wellness add-on for Embrace includes preventative and routine care costs for items such as microchipping, pet activity monitors, nail trimming, and grooming.

Embrace doesn’t cover pre-existing conditions, DNA testing, cloning, deliberate injuries, or breeding.

Embrace Pet Insurance Cost

Embrace Pet Insurance Cost Dog - Medium Mixed Dog - Dalmatian Dog - Dachshund Cat - Domestic Medium Hair
Embrace Pet Insurance Cost Dog - Medium Mixed Dog - Dalmatian Dog - Dachshund Cat - Domestic Medium Hair
Accident and Illness Plan $27.32 $47.58 $33.21 $16.06
Accident and Illness Plan with Wellness Rewards Plan $46.07 $66.33 $51.96 $34.81

Get Quote: Compare Rates with Embrace

Learn More: Embrace Pet Insurance Review


Petplan

Petplan is a popular choice among pet owners seeking more holistic treatment coverage for their pets, with options for homeopathy, stem cell therapy, and more.

  • Our score: 91.5
  • Provides a 10% discount for adopted pets from shelters or rescues, as well as up to 10% off for licensed medical service animals
  • Offers a 30-day money-back policy
  • Covers dental illness as well as dental injury

While Petplan offers holistic coverage, it can often quote larger or older pets higher premiums than its competitors, which caused us to dock points when reviewing the company’s terms and conditions.

Petplan Pros and Cons

✔ Covers up to $1,000 of veterinary telehealth bills for virtual visits
✔ Provides up to $1,000 of behavioral therapy coverage
✔ Doesn’t have age limits on coverage

✘ Requires a vet exam from the past six months before you can enroll your pet in coverage
✘ Has a lengthy 15-day waiting period for accidents and illness

Petplan Plans and Coverage

The accident and illness plan covers tests like X-rays, ultrasounds, CAT scans, and MRIs along with costs for boarding kennel fees if you are sick or hospitalized and can’t take care of your pet, prescription medications, sick visits exam fees, treatment for chronic and hereditary conditions, specialist treatments, and more.

Petplan will not cover expenses for routine, wellness, or preventative care, pre-existing conditions, or cosmetic procedures.

Petplan Pet Insurance Cost

Species - Breed Dog - Medium Mixed Dog - Dalmatian Dog - Dachshund Cat - Domestic Medium Hair
Species - Breed Dog - Medium Mixed Dog - Dalmatian Dog - Dachshund Cat - Domestic Medium Hair
Accident and illness plan $38.73 $53.40 $32.72 $20.16

Get Quote: Compare Rates With Petplan

Learn More: Petplan Pet Insurance Review


How Much Is Pet Insurance in Iowa?

While each premium is as individual as your love for your pet, we found that pet health insurance in Iowa can range from $13–$67 per month for dogs and $8–$34 per month for cats based on our sample quotes.

The premiums for insuring your pet can be affected by many factors, such as:

  • Customization: Choosing a higher deductible rate, lower reimbursement rate, and lower coverage cap can reduce your payments on premiums. For example, choosing unlimited coverage, a $250 deductible, and a 90% reimbursement rate with Petplan for a mixed-breed 4-year-old dog would result in a monthly premium of $94.30. Lowering the coverage cap to $5,000 and the reimbursement rate to 70%, along with raising the deductible to $500, would result in a monthly premium of $26.94.
  • Breed: Dogs like German Shepherds, Golden Retrievers, and Boxers are more likely to develop certain types of cancer, while larger dog breeds are at a higher risk for hip dysplasia, an expensive-to-treat condition. These can make certain breeds more expensive to insure.
  • Species: Pet insurance for dogs is more expensive across the board than pet insurance for cats, due to the frequency of dogs developing health conditions as they age.
  • Discounts: Many providers, such as Lemonade, Prudent Pet, and Embrace, offer reduced rates for insuring multiple furry friends. They also offer other discounts for military members, people adopted pets, and those who go each year without making a claim.

Frequently Asked Questions About Pet Insurance in IA

Is pet insurance in Iowa worth the cost?

Many pet parents find peace of mind knowing that they are covered in the event of an unexpected cost for their animal, confident that they won’t have to skimp out on getting their pet the best care. Considering that Americans spent over $32 billion in 2020 on veterinary care and services, protecting yourself from costly vet bills can be worth it for many pet owners.

How does pet insurance work?

Pet insurance involves a customer paying a monthly or annual premium to an insurance provider, who will then reimburse them for pet health expenses that are covered in their policy. Typically, these policies cover accidents and oftentimes, unexpected illnesses. There are coverage caps that limit how much reimbursement you are entitled to for each incident, month, or year and a deductible that determines how much you will pay out of pocket before your insurance company begins reimbursing you.

Many pet insurance plans also have add-on options to cover routine care and preventative costs such as annual exams, dental cleanings, and vaccines. However, routine care costs are not covered within a standard pet insurance policy.

When does coverage begin?

All pet insurance companies have a waiting period before coverage begins to avoid attempts at fraud. However, each company is different. Lemonade and Embrace both offer a short two-day waiting period for accidents, while companies such as Petplan and Healthy Paws require customers to wait at least two weeks before coverage can begin. Regardless of the waiting period length, it’s important to remember that pet insurance companies do not cover accidents or illnesses that existed before you purchased your policy.

Our Conclusion

If you’re looking for lower prices on coverage and a variety of add-on options, Lemonade may suit your needs, while Embrace offers a larger range of deductibles and credits for healthy pets. If your pet has behavioral or alternative treatment needs, Petplan covers a wide scope of therapies.

Before choosing a pet insurance provider in Iowa, we recommend getting quotes from at least three options to ensure that you find the best deal for your fluffy family member.

Compare Iowa’s Best Pet Insurance Companies

Provider Lemonade Prudent Pet Healthy Paws Embrace Petplan
Provider Lemonade Prudent Pet Healthy Paws Embrace Petplan
Get a quote Lemonade.com PrudentPet.com HealthyPawsPetInsurance.com EmbracePetInsurance.com GoPetplan.com
Our score 96 95 93.5 93.5 91.5
Sample premium* $19.92 $29.65 $39.14 $27.32 $38.73
Plans and add-ons 3 5 1 2 1
Waiting period 2 days for accidents and 14 days for illnesses 5 days for accidents and 14 days for illnesses 15 days for accidents and illnesses 2 days for accidents and 14 days for illnesses 15 days for all conditions
Customer service Email and chat on mobile app Live chat, contact form, and phone with no specified hours Phone, email, and live chat with limited hours Phone, email, and live chat with limited hours Phone, email, and live chat with limited hours
BBB rating** C A+ A A+ A+

*Based on sample quotes for a mixed 4-year-old dog in Des Moines, Iowa

**Based on scores pulled from each company’s BBB profile as of October 28, 2021

Our Rating Methodology

The This Old House Reviews Team is dedicated to thorough, in-depth reviews of each product or service that we detail in our content. Determined to build trust with our readers through transparency, accuracy, and accountability, we’ve built a detailed rating system to score pet insurance brands. Included in this methodology are the following six factors with their respective scoring weights:

  • Coverage (25)
  • Plan options (20)
  • Monthly cost (20)
  • Company reputation (15)
  • Customer service (10)
  • Species eligibility (10)

Our researchers keep all data in each company’s score up to date, making any changes to our content when necessary to provide our readers with the most accurate information on relevant metrics, such as plan options, customer service, reputation, and monthly cost.

To share feedback or ask a question about this article, send a note to our Reviews team at reviews@thisoldhousereviews.com.