Best Pet Insurance in Iowa (IA)
Through our research, we found Lemonade to be the best pet insurance provider in Iowa due to its affordability and flexibility. Purchasing low-cost pet insurance policy 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.
How Do IA Pet Insurance Companies Compare?
Who Are Iowa’s Top 7 Pet Insurance Providers?
How Much Does Pet Insurance Cost in Iowa?
Based on sample quotes we received from each provider, pet insurance in Iowa costs $13–$67 per month for dogs and $8–$34 per month for cats.
Many factors affect your monthly premium, including the following:
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 Fetch 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.
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.
Pet insurance for dogs is more expensive than pet insurance for cats due to the frequency of dogs developing health conditions as they age.
Many providers, such as Lemonade, ASPCA, and Embrace, offer reduced rates for insuring multiple furry friends. They also offer other discounts for military members, people adoped pets, and customers who go each year without making a claim.
Is Pet Insurance in Iowa Worth it?
Yes, in many cases, pet insurance is worth it in Iowa for the added peace of mind and protection that it can bring. 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, Fetch covers a wide scope of therapies.
FAQs About Pet Insurance in Iowa
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 Fetch 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.
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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.