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Best Pet Insurance in Utah (2022)

All pet owners can benefit from a pet insurance policy that helps pay for unexpected vet bills. Read about the top pet insurance in Utah to find the best carrier and policy for you.

A golden retriever puppy running in the field with it smiling at the camera Adobe

Whether it’s hiking with your dog through Arches National Park or just cuddling up with your fluffy feline on a weekend morning in Provo or Salt Lake City, spending time with your furry family member is a cherished part of being a pet owner. But you never know when your pet may break a bone or contract an illness.

You can prepare for unexpected vet bills and expenses by purchasing a pet health insurance policy. To find the best pet insurance companies in Utah, the This Old House Reviews Team spent hundreds of hours researching the pet insurance industry by reading customer reviews, surveying pet parents, and comparing providers on key factors like customer service, policy coverage, and monthly pricing.

Utah’s Top 7 Pet Insurance Providers


Lemonade pet insurance isn’t available nationwide, but it is available to Utah residents, and we found that it offers the best overall policies on the market with affordable prices and comprehensive coverage.

  • Our score: 96
  • Offers a high annual coverage option of $100,000
  • Features an impressive mobile app with artificial intelligence (AI) technology for fast claims filing
  • Provides a 10% bundling discount for Lemonde home insurance or renters insurance customers

Lemonade’s lower-than-average rating from the Better Business Bureau (BBB)—due to an abnormally high number of complaints—caused it to lose a few points in our review. But we still recommend it as the top pet insurance provider, since many of the complaints reference homeowners and renters insurance, not pet insurance.

Lemonade Pros and Cons

Compare the advantages and disadvantages of Lemonade:

✔ Consistently offers lower prices than many competitors, based on the dozens of quotes we’ve received
✔ Offers extra preventative care for kittens and puppies less than 2 years old
✔ Provides optional coverage for vet visit and exam fees

✘ Doesn’t cover costs related to dental illness
✘ Doesn’t offer coverage in 15 states, so it may not be good for pet owners planning to move out of Utah

Lemonade Pet Insurance Plans and Coverage

Lemonade provides one pet insurance plan for coverage on accidents and illnesses, such as broken bones, infections, cancer, and heart disease. The standard policy pays for specialty care, hospitalization, surgery, diagnostics, medications, and more, but it doesn’t pay for vet visit fees or physical therapy treatments unless you add extra coverage for an additional monthly cost. It also doesn’t cover dental illness, elective procedures, behavioral treatments, and pre-existing conditions.

Lemonade also offers preventative care for two different monthly costs and coverage levels. For the lower monthly rate, you can get coverage on a wellness exam, a fecal test, three vaccines, a heartworm test, and a blood test. For a bit more per month, you can add a dental cleaning and flea, tick, or heartworm medication to that coverage. The options come with per-item limits and a reimbursement rate equal to what you select for your standard policy.

Get Your Free Quote: Lemonade Pet Insurance Quote

Learn More: Lemonade Pet Insurance Review


Spot stands out among other top insurers for its breadth of customization options it provides when choosing your pet insurance plan. You can select from seven annual limits and five deductibles to help customize your coverage to your needs and budget.

Some highlights include these:

  • Our score: 91
  • Provides one of the widest ranges of coverage limits between $2,500 and unlimited
  • Has an extensive resource blog on its website for pet owners who want to learn helpful tips about their pet’s health
  • Has a 30-day money-back guarantee

Spot Pros and Cons

✔ Includes coverage for microchipping in standard policies
✔ Doesn’t require extra monthly fees for vet visit and exam fee coverage
✔ Provides a 10% discount to pet owners who purchase policies for multiple pets

✘ Has less experience than many other pet insurance providers
✘ Doesn’t have weekend availability for customer service inquiries

Spot Plans and Coverage

In addition to choosing from plenty of annual coverage limit options, Spot also offers two standard plans: the accident-only plan and the accident and illness plan. You might choose the accident-only plan if you’re shopping on a budget and don’t need coverage for illnesses and other conditions. The other plan is more comprehensive and covers most unexpected conditions in your pet, including cancer, chronic conditions, and dental illness.

To customize your policy even further, you can add one of two wellness care coverage plans that help pay for preventative treatments, such as vaccinations and annual checkups. The Gold plan comes with $250 total per year of per-treatment limits, while the Platinum plan comes with $450 per year of those limits and includes a few extra treatments in its coverage.

Get Your Free Quote: Compare Rates with Spot

Learn More: Spot Pet Insurance Review


Embrace is top pet insurance agency in Utah that stands out for its Healthy Pet Deductible, which is a benefit that lowers your deductible by $50 each year you don’t file a claim.

  • Our score: 93.5
  • Provides five annual deductible options from $200 to $1,000
  • 5% military discount to service members
  • Offers a free review of your pet’s medical history to ensure you’re happy with eligible coverage

Embrace Pros and Cons

Compare the advantages and disadvantages of Embrace:

✔ Has 18 years of experience in the pet insurance industry, which is longer than the other companies in this review
✔ Donates $2 to charity with each policy sold
✔ Offers an annual payment option to save $12 over monthly installments

✘ Charges higher prices for cats than many competitors, based on our sample quotes in Utah
✘ Doesn’t provide annual limit options beyond $30,000, which is lower than most other providers

Embrace Plans and Coverage

Purchasing an Embrace pet insurance policy covers your pet on its unexpected accidents and illnesses, including dental trauma, cancer, congenital conditions, allergies, and more. It pays for ultrasounds, X-rays, emergency care, specialist care, hospitalization, surgery, and other treatments, procedures, and exam fees that result from your companion’s health condition.

It doesn’t cover pre-existing conditions, elective procedures, organ transplants, or issues related to breeding and pregnancy. It does offer an optional Wellness Rewards Plan to help you pay for routine care, such as annual checkups, vaccinations, microchip implantation, and more. It pays 100% of the vet bills related to those treatments up to $250, $450, or $650 per year.

Get Your Free Quote: Embrace Pet Insurance Quotes

Learn more: Embrace Pet Insurance Review

Fetch by The Dodo

Fetch by The Dodo is a great option for alternative treatments for your dog or cat.

  • Our score: 91.5
  • Comprehensive holistic coverage includes acupuncture, chiropractic care, and stem cell therapy
  • Is accepted by all licensed vets in the U.S. and Canada
  • Dental coverage encompasses all teeth

Fetch Pet Insurance Pros and Cons

Compare the advantages and disadvantages of Fetch:

✔ Provides coverage for behavioral treatments, which are sometimes excluded by competitors
✔ Offers discounts for customers who have a shelter or rescue pet
✔ Won’t terminate your policy, regardless of your pet’s age or history of claims
✘ Has a longer waiting period (15 days) than most of its competitors
✘ Does not offer wellness or preventive care options

Fetch by The Dodo Plans and Coverage

Fetch offers one accident and illness plan that pays for veterinary fees related to the diagnosis and treatment of issues like accidental emergencies, cancer, and hereditary conditions. The company’s standard plan covers all vet exam fees, as well as sick visits and prescription medicines.

Unique to Fetch is its inclusion of behavioral conditions and alternative therapies in an accident and illness plan. While most pet insurance companies only offer those services in an optional add-on plan, Fetch provides them at no additional cost. The company’s accident and illness plan also provides reimbursement for lost-pet advertising and boarding fees should you need to be hospitalized for more than four days.

Fetch customers can choose a deductible of $250, $300, or $500 and have the option of a $5,000, $15,000, or unlimited annual reimbursement cap.

Fetch will only cover dental injuries or conditions if you have your pet’s teeth checked within 60 days of the start of your policy. The company doesn’t offer any wellness benefits or preventive care and won’t cover preexisting conditions or elective procedures.

Get a Quote: For your quote from Fetch, fill out this brief questionnaire on the company’s website.

To Learn More: Fetch by The Dodo Pet Insurance Review

Healthy Paws

For unlimited per-incident, annual, and lifetime coverage from your pet insurance policy that’s more affordable than many competitors’ unlimited coverage, we recommend Healthy Paws.

  • Our score: 93.5
  • Recommends other providers with a comparison tool when your quoted premium is higher than what other companies offer
  • More than 11 years of industry experience, which is more than many competitors
  • Includes a 30-day money-back guarantee

Healthy Paws Pros and Cons

Compare the advantages and disadvantages of Healthy Paws:

✔ Doubles as a nonprofit that has donated more than $1 million to charities to help homeless pets
✔ Offers helpful pet health and training resources on its mobile app
✔ Handles most claims within two days of customer filing

✘ Doesn’t offer any preventative care optional coverage add-ons
✘ Has a 12-month waiting period for hip dysplasia coverage, which is longer than many competitors

Healthy Paws Plans and Coverage

Healthy Paws covers procedures, treatments, and other costs related to accidents and illnesses, including diagnostics tests, X-rays, surgery, hospitalization, prescription medications, emergency care, alternative treatments, and more. Qualifying accidents and illnesses can include cancer, hereditary conditions, congenital conditions, chronic conditions, and other emergencies.

Unlike many other top providers, Healthy Paws doesn’t offer wellness or preventative care options. Other exclusions are pre-existing conditions, spay or neuter procedures, exam fees, vet visit fees, and behavioral treatments.

Get Your Free Quote: Healthy Paws Pet Insurance Quote

Learn More: Healthy Paws Pet Insurance Review

Prudent Pet

We recommend Prudent Pet for its comprehensive Ultimate Plan that covers a few reimbursements not offered by any other providers in this review, such as lost-pet advertising and vacation cancellation fees.

  • Our score: 95
  • Includes unlimited annual coverage limits in the Ultimate Plan
  • Provides a 24/7 vet chat included in each plan
  • Offers three affordable preventative care options from $7–$30 per month

Prudent Pet Pros and Cons

Compare the advantages and disadvantages of Prudent Pet:

✔ Includes up to $1,000 for behavioral disorders in the Ultimate Plan
✔ Has a 10% multi-pet discount for additional policies
✔ Offers an accident-only plan with $10,000 of annual coverage

✘ Has higher prices than many competitors for large dog breeds based on our sample quotes
✘ Doesn’t allow you to customize your annual limits, unlike most competitors

Prudent Pet Plans and Coverage

There are three plans offered by Prudent Pet for cat and dog owners to choose from: the Accident-Only Plan, the Essential Plan, and the Ultimate Plan. The Accident-Only Plan covers up to $10,000 per year for vet bills related to incidents such as injuries and bite wounds, and the Essential Plan covers up to $10,000 for those incidents in addition to illnesses and other conditions, including cancer, congenital conditions, hip dysplasia, and more.

The Ultimate Plan is the provider’s most comprehensive option that covers an unlimited number of vet bills per year related to the accidents and illnesses included in the Essential Plan. Plus, it reimburses you for a few extras, such as vacation cancellation fees due to a change of plans when your pet needs treatments, mortality costs if your pet dies, fees for advertising and reward money if you lose your pet, and replacement costs if your pet is lost or stolen.

Prudent pet also offers three preventative care coverage levels that can be added to your policy for routine care such as a wellness exam, vaccinations, and a fecal exam. They come with total per-treatment limits per year of $210, $315, or $460 depending on your needs.

Get Your Free Quote: Prudent Pet Insurance Quote

Learn more: Prudent Pet Insurance Review


With its impressive Extra Care Pack, Figo provides coverage for extra costs you may have while owning your pet, including third-party property damage liability up to $10,000 and vacation cancellation fees if your pet’s condition requires you to change trip plans.

Some highlights include these:

  • Our score: 93
  • Provides unlimited coverage options
  • Has a unique mobile app that connects you to social groups of other pet owners in your Utah location
  • Has a low deductible option of $100 for pet owners who want to pay less out of pocket during a claim

Figo Pros and Cons

✔ Has a 100% reimbursement rate option, unlike the rest of the providers in this list
✔ Comes with a short one-day waiting period for injuries
✔ Provides lower premiums for older animals than many competitors

✘ Requires your pet to have annual checkups and dental exams to remain eligible for coverage
✘ Doesn’t cover your dog’s or cat’s behavioral treatments

Figo Plans and Coverage

Figo offers one pet insurance plan for coverage on accidents and illnesses with $5,000, $10,000, or unlimited annual coverage, depending on your needs. It pays for necessary treatments and costs, such as prescription medications, diagnostic tests, and hospitalization. Covered conditions include a wide range of illnesses, chronic conditions, hip dysplasia, and cancer.

For help paying vet visit and exam fees, you can add a coverage option, and you can purchase an add-on for routine care costs, such as vaccinations and dental cleanings, at two annual coverage limit options and prices.

In addition to third-party property damage liability and vacation cancellation fees, the Extra Care Pack covers lost-pet advertising costs and reward money, replacement costs if your pet is officially lost or stolen, emergency boarding fees if you’re hospitalized and need help caring for your animal, and end-of-life expenses, such as burial or cremation costs.

Get Your Free Quote: Compare Rates with Figo

Learn More: Figo Pet Insurance Review

Best Alternative to Pet Insurance


Pawp scored a 90 out of 100 for its unique approach to medical coverage for pets. For a monthly fee of $24 (regardless of your pet’s age or breed), the company provides up to $3,000 to cover one emergency per year. The company stands out for its digital clinic. Included with your membership fee, the clinic provides 24/7 access to veterinary advice and consultations. Pawp also has an online pharmacy that will customize recommendations for your pet. Pawp membership allows you to utilize the company’s pharmacy for prescription and over-the-counter medications, as well as supplements, allergy treatment, and more.

Pros and Cons of Pawp Pet Insurance

Compare the advantages and disadvantages of Pawp:

✔ Pays vet bills directly, so you don’t have to file claims for reimbursement
✔ Covers all life-threatening emergencies, including those related to preexisting conditions
✔ Will cover up to six pets under one membership
✘ Does not have a wellness or preventive care plan
✘ Will only pay for one emergency vet bill per year

Pawp Plans and Coverage

Pawp members can access the emergency fund once per year to pay 100% of vet costs up to $3,000. The virtual clinic and online pharmacy can be utilized throughout the year. The emergency fund is reserved for life-threatening issues like choking, severe injuries, and toxic ingestions. It doesn’t cover any scheduled surgeries or procedures, preventative care, breeding or pregnancy-related issues, and anything not considered a life-threatening emergency by an official Pawp vet.

To qualify for access to your membership’s emergency fund, you must speak to a Pawp vet through the digital clinic after the incident before visiting the vet. Then, once they confirm your eligibility to use the $3,000 fund, you have four hours to get to a vet near you.

Pawp Sample Monthly Pricing

All Pawp memberships cost $19 per month, regardless of your pet’s age, breed, species, and location. This means it could be the most affordable option for pet owners with animals that typically cost more to insure, such as large dog breeds or older pets.

Get a Quote: Visit the Pawp website.

Learn More: Pawp Review

Comparing the Top Pet Insurance Providers in Utah

We recommend gathering several quotes from the best pet insurance companies in Utah before making your final decision.

Compare Utah’s Best Pet Insurance Companies

Provider Highest Annual Coverage Limit Waiting Period for Accidents Waiting Period for Illnesses
Provider Highest Annual Coverage Limit Waiting Period for Accidents Waiting Period for Illnesses
Lemonade $100,000 2 days 14 days
Spot Unlimited 14 days 14 days
Embrace $30,000 2 days 14 days
Fetch Unlimited 15 days 15 days
Healthy Paws Unlimited 15 days 15 days
Prudent Pet Unlimited 5 days 14 days
Figo Unlimited 1 day 14 days

How Much Is Pet Insurance in Utah?

Generally speaking, you can expect to pay somewhere between $15 and $100 per month for pet insurance in Utah, based on our research and sample quotes we pulled in the state. However, here are a few factors that can significantly alter your quoted premium:

  • Customization: To get the cheapest pet insurance, you can customize your policy by choosing a lower annual coverage limit, a higher deductible, and a lower reimbursement rate. For instance, an Embrace quote for a mixed dog with $30,000 of annual coverage, a $200 deductible, and 90% reimbursement rate was $82.74 per month, but only $21.29 with $5,000 of annual coverage, a $1,000 deductible, and a 70% reimbursement rate.
  • Age: As your animal gets older, it becomes more expensive to insure due to its increasing likelihood of getting sick or injured. In fact, some pet insurance providers, such as Lemonade and Healthy Paws, limit the age of pets they’ll insure. Purchasing a pet insurance policy for pets more than 6 to 9 years old can be very pricey.
  • Species: Pet insurance for dogs is typically more expensive than cat insurance, since dogs are more likely to have certain expensive health conditions, such as hip dysplasia and cruciate ligament issues.
  • Breed: Some breeds are also more susceptible to hip dysplasia, especially larger dog breeds, such Great Danes and Labrador retrievers, meaning their pet insurance policies usually come with higher premiums than others.

Pet Insurance in Utah FAQs

Is pet insurance in Utah worth it?

We surveyed 1,000 pet owners and learned that roughly 40% of them would need to use a credit card to pay for unexpected bills, and 9% didn’t know how they’d pay for them. If you’re like these pet parents, you could benefit from a pet insurance policy. In general, pet insurance is a worthwhile investment in your peace of mind, ensuring that you’ll always have a way to pay for vet bills without racking up credit card debt or dipping into your savings.

Is spaying covered by pet insurance?

While standard pet insurance policies don’t typically cover spay or neuter surgery, some providers, such as Embrace and Prudent Pet include it in their additional coverage options in preventative care plans.

What’s the cheapest pet insurance in Utah?

During our research, we pulled cost data from sample quotes on various animals throughout the state and determined that Lemonade consistently offers the most affordable policies for most dog and cat breeds. However, your quoted premiums will vary depending on a range of factors such as your pet’s breed and age, so we recommend getting quotes from a few companies to see which one offers the best policy in your budget.

Our Conclusion

There’s a lot to consider about you and your pet’s needs when choosing your pet insurance provider in Utah. Although Lemonade offers the best overall policies with affordable prices and impressive coverage options, you may lean toward other providers for their unique benefits.

For instance, Prudent Pet and Healthy Paws are ideal choices for unlimited, comprehensive coverage, but Pawp may be your best bet if you’re looking for unlimited access to online vets through texts and video calls.

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