Best Pet Insurance in Iowa (IA)

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.

Learn More: Lemonade Pet Insurance Review

• Our score: 96 out of 100
• 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’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.

Spot is a top pet insurance provider for its plan customizability. You can purchase an accident-only or accident and illness coverage plan with one of up to seven different annual coverage limit options depending on your exact needs or budget.

Learn More: Spot Pet Insurance Review

• Our score: 91 out of 100
• Has an extensive resource blog to help pet owners stay informed on tips to keep their animals healthy
• Has a 10% multi-pet discount for each additional policy
• Provides a wide range of annual coverage between $2,500 and unlimited

Spot’s accident-only pet insurance plan is a less expensive option for pet owners who only want coverage on injuries, broken bones, bite wounds, toxic ingestions, and things not related to illnesses or conditions. Its accident and illness plan includes those accidents in addition to congenital conditions, cancer, hip dysplasia, and similar conditions.

For added coverage to help pay for your pet’s routine vet bills, such as vaccinations, wellness checkups, deworming, and dental care, you can add the Gold or Platinum preventative plan. The Gold plan is the cheapest pet insurance option with up to $250 per year for wellness treatments, and the Platinum plan comes with $450 of coverage per year.

ASPCA Pet Health Insurance is our top pick for new pet owners in Iowa. The compans includes  wealth of pet resources on its website, from information about specific cat or dog breeds to common pet illnesses and remedies. Its accident-only and accident-and-illness policies are highly customizable, with five annual coverage limit options, three deductible options, and three reimbursement options.

Learn More: ASPCA Pet Insurance Review

• Our score: 89 out of 100
• Insures horses, cats, and dogs
• Provides a 10% multi-pet discount
• Underwritten by Crum & Forster Pet Insurance Group, which has over 25 years of experience in the industry

ASPCA customers can choose between an accident-only and accident-and-illness plan (referred to as Complete Coverage). The accident-only plan is basic and affordable. It includes reimbursement for care related to an injury or accident, such as broken bones, bite wounds, and toxic ingestions. The Complete Coverage plan is more comprehensive, covering everything from the accident-only plan plus illnesses and conditions such as cancer, hip dysplasia, arthritis, diabetes, certain infections, and digestive issues, hereditary conditions.

ASPCA also has a preventive care add-on. It’s offered at two levels that each reimburse routine vet visits up to a set annual limit (Basic up to $250 and Prime up to $450). This includes services such as vaccinations, wellness checkups, and dental cleanings.

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

Learn More: Embrace Pet Insurance Review

• Our score: 93.5 out of 100
• 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’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.

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.

Learn More: Healthy Paws Pet Insurance Review

• Our score: 93.5 out of 100
• 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.

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.

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

Learn More: Fetch Pet Insurance Review

• Our score: 91.5 out of 100
• 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 Fetch 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.

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.

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

Figo is the best provider for pet owners who want extra coverage with an affordable add-on. For $6.62, you can add Figo’s Extra Care Pack to your policy, which uniquely covers extra costs, such as third-party property damage your pet causes and lost-pet advertising fees.

Learn More: Figo Pet Insurance Review

• Our score: 93 out of 100
• Has a useful and fun mobile app for managing your pet’s medical records and connecting to social groups of other pet owners in your area
• Provides a 30-day money-back guarantee
• Offers a 24/7 live vet chat to help answer your pet health questions before needing to take your animal to the vet

Figo offers only one plan option for coverage of treatments, procedures, and other costs related to both accidents and illnesses. Those covered conditions can include broken bones, bite wounds, toxic ingestions, chronic conditions, hip dysplasia, ligament issues, cancer, and similar issues.

The Extra Care Pack comes with coverage for extra unexpected costs, including third-party property damage up to $10,000, lost-pet advertising and reward money, emergency boarding costs if you’re hospitalized, vacation cancellation fees if your pet’s treatments cause you to change plans, replacement costs if your pet is lost or stolen, and end-of-life expenses.

Figo offers vet visit and exam fee coverage for an additional cost per month, and it also provides wellness care coverage options at two levels and prices to help pay for vaccinations, annual checkups, and more.