Best Pet Insurance in Idaho

Spot is an excellent choice for pet parents who want flexible premiums and coverage options, with six annual limits, three reimbursement levels, and four deductibles.

• Our score: 91
• Offers two levels of wellness coverage for increased routine care benefits
• Provides up to a 20% discount to employees who enroll through their workplace benefits program
• Has some of the industry’s lowest premiums when you opt for low coverage limits and higher deductibles

Learn More: Spot Pet Insurance Review

Spot offers two coverage plans and two preventive care add-ons designed to meet a variety of pet insurance needs:

• Accident-Only Plan: This plan covers treatments, procedures, hospitalizations, prescriptions, testing, and veterinary care related to accidental injuries.
• Accident and Illness Plan: The accident and illness plan reimburses pet owners for everything covered by the Accident-Only Plan in addition to care related to dental disease, behavioral issues, hereditary conditions, general sickness, and other illnesses.
• Gold Preventative Care Plan: The first of Spot’s wellness add-ons covers up to $250 per year of routine care expenses for items such as wellness exams and dental cleanings.
• Platinum Preventative Care Plan: The Platinum plan increases the Gold plan’s coverage to $450 of annual benefits and includes additional services such as blood tests.

Based on sample quotes in Idaho, Spot’s accident and illness coverage costs around $14–$115 per month for dogs and $8–$70 per month for cats, depending on what coverage limit, deductible, and reimbursement level you select.

If you have a brand new furry family member, ASPCA may be a good fit for your pet insurance needs. The company caters many of its services to first-time pet owners, including a vet finder tool, coverage of microchipping, and online resources that cover breed-specific issues, eco-friendly pet products, pet naming advice, quizzes, and fun facts about dogs and cats.

• Our score: 89
• Three choices for deductible amounts
• User-friendly mobile app for processing and tracking claims
• Veterinary exams included in standard plans

Learn More: ASPCA Pet Insurance Review

ASPCA offers two pet insurance plans and two add-on packages:

1. Accident-Only Plan: The Accident-Only Plan is ASPCA’s most basic and affordable form of coverage. This plan includes exams, treatment, and after-care for a variety of injuries, including bites, sprains, and broken bones. Acupuncture is also covered under the Accident-Only Plan if prescribed as a treatment by your veterinarian.
2. Complete Coverage Plan: This plan covers everything in the Accident-Only Plan, along with coverage of illnesses and chronic conditions such as allergies, cancer, heart disease, and hyperthyroidism.
3. Preventive plans: ASPCA’s basic add-on coverage comes with a $250 annual reimbursement limit for routine and wellness-related care like teeth cleaning, deworming, and annual vet exams. The basic plan is an additional $9.95 per month. For $24.95 per month, customers can select the Prime Plan, which includes everything covered in the basic preventive package, but with a higher annual cap ($450).

Using ASPCA’s online instant quote tool, we found that a pet insurance policy for dogs in Idaho would range from approximately $24 to $84 per month. A pet insurance policy for cats would be between $13 and $51.

Embrace’s flexible range of pet insurance deductibles and its Healthy Pet Deductible benefit make it one of the best pet health insurance companies in Idaho. With this complementary policy feature, your deductible decreases by $50 each year you don’t file a claim.

• Our score: 93.5
• Allows policyholders to customize monthly premiums with several levels of deductibles
• Covers your pet’s curable preexisting conditions after one year without symptoms
• Features a diminishing deductible, which could leave you with a $0 deductible

Learn More: Embrace Pet Insurance Review

Embrace’s singular accident and illness plan covers a variety of conditions, including:

• Dental illness
• Cancer
• Breed-specific, congenital, and genetic conditions
• Arthritis and other chronic illnesses
• Preventable conditions, such as parasites

Embrace offers reimbursements for emergency care, prescriptions, operations, treatments, diagnostics, and hospitalization. The company also reimburses veterinary costs, physical therapy, and alternative treatments such as acupuncture or laser therapy when prescribed by a licensed veterinarian.

Additionally, Embrace has an optional Wellness Rewards for Routine Care package, which provides 100% reimbursement for routine care costs, up to an annual maximum of $250–$650.

Based on our compilation of pet insurance quotes in Idaho, the average pet insurance plan from Embrace is $15–$59 per month for dogs and $9–$35 per month for cats.

Healthy Paws offer unlimited protection through its basic accident and illness plan, with no per-incident, annual, or lifetime caps on coverage.

• Our score: 93.5
• Doesn’t have coverage limits, so you never max out your plan’s benefits
• Provides competitive rates for unlimited accident and illness coverage
• The Healthy Paws Foundation has donated over $1.6 million to homeless pets

Learn More: Healthy Paws Pet Insurance Review

The Healthy Paws accident and illness plan covers conditions such as broken bones, general sickness, cancer, chronic illness, and hereditary and congenital conditions.

Covered expenses include:

• Prescriptions
• Surgeries
• Hospitalizations
• Emergency care
• Diagnostic testing
• Bloodwork

Healthy Paws does not cover routine care, general vet visit fees, or cosmetic procedures. There is also a 12-month waiting period for hip dysplasia, while some companies in this review enforce only a six-month waiting period.

Our research indicates that a Healthy Paws accident and illness plan in Idaho costs an average of $36–$49 per month for dogs and $14–$20 per month for cats.

Fetch Pet Insurance has some of the best holistic coverage options on our list of top pet insurance companies. In addition to chiropractic care, Fetch covers treatments like stem cell therapy, homeopathy, acupuncture and hydrotherapy that are typically only offered in add-on preventive care plans.

• Our score: 91.5
• Offers $1,000 of annual benefits for behavioral therapy and telehealth treatments
• Covers lost-pet replacement, vacation cancellation fees, and missing pet advertisement fees
• Does not deny coverage to older pets, while most providers have breed-specific or universal cut-offs

Learn More: Fetch Pet Insurance Review

With Fetch, pet owners have access to one accident and illness plan, with no preventive care add-ons or wellness options. The plan reimburses pet parents for emergency care, consultations, operations, hospitalizations, diagnostic tests, and medication, along with the following holistic treatments:

• Acupuncture
• Behavioral treatment
• Chiropractic treatment
• Comprehensive dental care
• Homeopathy
• Hydrotherapy
• Stem cell therapy

Coverage also extends to vacation cancellation costs if your pet is injured or ill, boarding kennel fees if you are hospitalized for four days or longer and can’t take care of your pet, and missing pet advertisement and reward money.

Fetch policies exclude elective and cosmetic procedures, routine care, and incurable preexisting conditions.

Based on our research, the average Fetch policy in Idaho ranges from $39–$144 per month for dogs and $20–$55 per month for cats.

Figo may be a good fit for pet owners interested in securing add-on coverage and extra perks with their pet insurance. The company provides third-party liability insurance of up to $10,000. The liability coverage protects you if your pet causes damage outside of your property. Additionally, Figo has optional coverage that includes reimbursements if you lose your pet and advertise a reward for its safe return. If your pet passes away, Figo can help pay for cremation costs.

• Our score: 93
• 100% reimbursement rate option
• Choice of no cap on annual payouts
• One-day waiting period for injuries

Learn More: Figo Pet Insurance Review

Figo offers one accident and illness plan with three reimbursement limits: $5,000, $10,000, and Unlimited. The company also has four deductibles to choose from, ranging from 70% to 100%. Regardless of the annual limit and deductible you select, your standard plan with Figo will cover the following expenses:

• Lab tests
• Prescriptions
• Ongoing treatment
• Some behavioral issues
• Holistic care

Items like vet exam fees, spaying and neutering, vaccinations, and dental care are available as optional add-on services. Figo also offers the Extra Care Pack, which helps pay for cremation costs, lost pet advertising, fees for canceling a vacation due to your pet’s illness or injury, and boarding if you must be in the hospital longer than four days.

Monthly premiums for a dog in Idaho range from $30 to $42, according to our research. A Figo policy for a cat in Idaho ranges from approximately $12 to $17.

Prudent Pet stands out for its comprehensive coverage, providing an accident-only plan, accident and illness coverage, and an Ultimate Plan that offers unlimited annual coverage and reimburses pet owners for vacation cancellation costs, lost-pet replacement expenses, and boarding fees.

• Our score: 95
• Features 24/7 live online chat support
• Offers add-ons for preventive care and veterinary exam fees
• Has accident-only and comprehensive plans, providing a wide range of coverage options

Learn More: Prudent Pet Pet Insurance Review

Prudent Pet has three pet insurance plans and some optional add-ons:

1. Accident-Only Plan: Prudent Pet’s most affordable pet insurance plan has a $10,000 annual coverage limit and protects your pet if it is accidentally injured. Coverage applies to hospitalizations, prescription medications, operations, emergency vet visits, diagnostics, and prescribed alternative treatments.
2. Essential Plan: The Essential Plan provides accident and illness coverage with a $10,000 annual cap. It extends the coverage provided by the Accident-Only Plan to include treatment for congenital and hereditary conditions, general sickness, cancer, hip dysplasia, behavioral issues, and ear, eye, and skin conditions.
3. Ultimate Plan: The Ultimate Plan offers the same coverage as the Essential Plan, but it removes the annual coverage cap. It also reimburses costs such as kennel and boarding fees and pet final expenses such as cremation and burial.

Prudent Pet also has add-ons, also known as riders, for routine care and vet exams. Routine care add-ons cost $11.95–$29.95 per month, and the veterinary exam rider can be tacked onto your plan for a few extra dollars per month.

Based on our research, accident and illness coverage from Prudent Pet in Idaho falls between $22 and $118 per month for dogs and between $13 and $64 per month for cats.