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 5 Pet Insurance Providers
- Lemonade: Best Overall
- Prudent Pet: Most Comprehensive Plan
- Healthy Paws: Best Coverage Limit
- Embrace: Best Deductibles
- Pawp: Best Digital Clinic
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
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
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
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 a 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
If you want unlimited, full access to vets online or via telephone, we recommend Pawp, since it provides a digital clinic with 24/7 chats, text messages, calls, and video calls with licensed vets.
- Our score: 90
- Provides a $3,000 emergency fund for one vet bill per year
- Includes up to six pets in a membership
- Comes at a $19 flat rate, rather than varying premiums based on age, breed, and other factors
Pawp Pros and Cons
Compare the advantages and disadvantages of Pawp:
✔ Covers pets of any age, unlike many pet insurance providers
✔ Pays 100% of the vet bill within $3,000 without any copays or deductibles
✔ Pays the vet directly, rather than reimbursing you after you make the initial payment
✘ Requires members to get in touch with an official Pawp vet after an emergency before visiting the vet
✘ Pays only one vet bill per year, even if it’s less than the $3,000 limit
Pawp Plans and Coverage
Pawp operates differently than pet insurance companies. Rather than providing pet insurance policies, it offers a monthly membership that includes 24/7 digital clinic access and a $3,000 emergency fund to pay for one vet bill per year related to your animal’s life-threatening emergency, which could include toxic ingestions, choking, blockages, and severe injuries.
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.
Learn More: Pawp pet insurance review
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.
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.
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||Our Score||Highest Annual Coverage Limit||Waiting Period for Accidents||Waiting Period for Illnesses|
|Provider||Our Score||Highest Annual Coverage Limit||Waiting Period for Accidents||Waiting Period for Illnesses|
|Lemonade||96||$100,000||2 days||14 days|
|Prudent Pet||95||Unlimited||5 days||14 days|
|Healthy Paws||93.5||Unlimited||15 days||15 days|
|Embrace||93.5||$30,000||2 days||14 days|
|Pawp||90||$3,000||14 days||14 days|
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 email@example.com.