7 Best Pet Insurance Companies in Idaho 2022 – MarketWatch

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In this article: Top Pet Insurance Companies | Types of Pet Insurance | How to Choose | Conclusion | FAQs | Methodology
If you’re a pet parent, pet insurance is a wise investment to consider. Not only will it offer you peace of mind, but it can also shield you from paying steep veterinary bills out of pocket when your furry family member gets sick or injured. Whether you live in Boise, Meridian or a more remote locale in the Gem State, you have several quality pet insurance companies to consider.
We at the Home Media reviews team dedicated hundreds of hours to comparing the top pet insurance companies based on their customer service, premiums and coverage options. Read on for our top recommendations for Idaho pet insurance.
Based on our extensive research, these are the seven best pet insurance providers in Idaho:
 
Highlights:
Coverage: Spot’s accident-only plan covers vet expenses related to accidental injuries such as fractures. The accident-and-illness plan offers from $2,500 up to unlimited annual benefits that apply to various accidents and illnesses.
Commonly covered conditions include diabetes, cancer, behavioral problems and hip dysplasia. Spot’s exclusions include preexisting health conditions, elective procedures, breeding and pregnancy-related costs.
Spot’s wellness care rider covers routine care costs for annual checkups, vaccinations and other preventive care measures. At around $10 per month, the Gold Plan offers $250 of annual coverage. At $25 per month, the Platinum plan provides $450 of coverage per year.
The monthly premiums below are based on quotes we got for 4-year-old mixed dogs and cats in Boise, Idaho, with numerous coverage limits, deductibles and reimbursement rates:
Get a quote: To customize your Spot pet insurance policy, get a quote on Spot’s website.
To learn more: Spot pet insurance review
 
Highlights:
Coverage: Trupanion’s accident-and-illness plan covers procedures, testing and treatment for accidents and illnesses such as diarrhea, dental trauma or cancer. The company also offers add-ons for alternative therapies, such as acupuncture, and pet owner protections, including liability insurance, boarding fee reimbursement related to medical emergencies, vacation reimbursement related to vet emergencies and advertising and reward money for lost pets.
Trupanion does not cover preexisting conditions, wellness care, exam fees, elective procedures or pregnancy expenses.
Here are sample prices based on Trupanion quotes for 4-year-old, mixed-breed pets in Boise, Idaho, with varying deductibles:
Get a quote: Fill out Trupanion’s form for a free quote on your policy.
 
Highlights:
Coverage: Fetch’s accident-and-illness plan covers hospitalization, testing, procedures, treatments and vet visit fees for hereditary and chronic conditions, behavioral disorders, cancer, broken bones and more. It doesn’t cover elective procedures, breeding costs, preexisting conditions and routine care costs to maintain your pet’s good health.
Fetch’s standard plan also covers pet boarding costs when you’re hospitalized for four days or longer, vacation cancellation fees resulting from a pet’s covered accident or illness and reward and advertising money for missing pets. The company also covers the bill for your pet’s sick visits, while many companies do not.
We gathered a range of Fetch quotes for 4-year-old, mixed-breed dogs and cats in Boise, Idaho, with various annual coverage caps, deductibles and reimbursement levels:
Get a quote: Customize your Fetch pet insurance policy by getting a quote on Fetch’s website.
To learn more: Fetch pet insurance review
 
Highlights:
Coverage: Embrace provides accident-and-illness coverage and a wellness plan. Its standard pet insurance plan offers $5,000–$30,000 of annual coverage for treatments like surgery or rehab for accidents and illnesses. Like other providers, it excludes preexisting conditions, cosmetic and elective procedures and pregnancy or breeding costs.
The Wellness Rewards plan reimburses pet parents for routine health costs such as grooming, heartworm tests and vaccines. Embrace offers total reimbursement for approved claims up to $250, $450 or $650 per year, depending on your election.
Here’s a range of prices based on quotes we pulled for 4-year-old, mixed-breed pets in Boise, Idaho, with different coverage limits, reimbursement amounts and deductibles:
Get a quote: Fill out Embrace’s form for a free quote on your policy.
To learn more: Embrace pet insurance review
 
Highlights:
Coverage: Healthy Paws has just one plan that covers accidents and illnesses. It provides limitless coverage for your pet’s treatments, diagnostics, procedures and care for accidents and illnesses such as toxic ingestion or cataracts. Like other providers, it excludes preexisting conditions, spaying and neutering, elective procedures and preventive care. Additionally, it doesn’t cover hip dysplasia within the first 12 months of coverage.
The rates below are based on sample Healthy Paws quotes for 4-year-old, mixed-breed dogs and cats in Boise, Idaho:
Get a quote: Fill out Healthy Paw’s easy online form to get a pet insurance quote.
To learn more: Healthy Paws pet insurance review
 
Highlights:
Coverage: Figo offers three levels of accident and illness coverage. Each plan covers diagnostics, treatments, surgery and rehab related to covered accidents and illnesses such as allergies, hip dysplasia, cancer or general sickness.
Here’s a look at each plan’s coverage limits:
Figo also has optional add-ons for routine care and vet visit fees.
To help you compare Figo’s rates, we gathered sample quotes for 4-year-old, mixed-breed dogs and cats in Boise, Idaho:
Get a quote: Fill out a quick quote request for Figo.
 
Highlights:
Coverage: Prudent Pet offers three pet insurance plans: Accident-only, Essential and Ultimate. The Accident-only Plan provides $10,000 of coverage for accidents and injuries, such as bite wounds or hip injuries. The Essential Plan also offers $10,000 of annual coverage but includes protection for illnesses and conditions, such as cancer or allergies, and accidents.
The Ultimate Plan covers both accidents and illnesses with no annual coverage cap. It also provides coverage for unique expenses, such as lost pet reward money and advertising, mortality costs and kennel fees if you are hospitalized and can’t care for your pet.
We obtained the quotes below for 4-year-old, mixed-breed dogs and cats in Boise, Idaho, using a variety of annual coverage limits, deductibles and reimbursement rates:
Get a quote: Get a custom quote based on your pet’s details on the Prudent Pet website.
To learn more: Prudent Pet insurance review
 
Pet insurance has three components: annual coverage limit, annual deductible and reimbursement percentage. The annual coverage limit is the maximum amount of money your pet insurance company will pay toward claims in one calendar year. Your deductible is the amount you pay out of pocket when you file a claim, and the reimbursement rate is the percentage of the claim the pet insurance company pays.
There are three types of pet insurance plans:
 
To choose the right pet insurance provider for your furry companion, take the steps below:
 
The best pet insurance company in Idaho is Spot, based on our thorough review of coverage, cost and customer experience. With two routine care options, accident-only and accident-and-illness coverage, Spot can provide flexible protection for a unique range of needs. 
Pet insurance isn’t a one-size-fits-all product, though. Each provider in this review offers impressive pet insurance coverage and has unique advantages. To choose the right pet health insurance company for your dog or cat, take a few minutes to compare quotes from at least three providers.
Provider
Get a quote
Our score
Monthly cost*
Waiting periods
Multi-pet discount
Mobile app
Spot
Visit Spot
89
$50.27
14 days for all conditions
10%
✔
Trupanion
Visit Trupanion
78.5
Fetch
Visit Fetch
89.5
$40.79
15 days for all conditions
None
✔
Embrace
Visit Embrace
90.5
$49.08
2 days for accidents; 14 days for illnesses

10%
✔
Healthy Paws
Visit Healthy Paws
84
$51.75
15 days for accidents and illnesses
None
✔
Figo
Visit Figo
90
$21.74
Varies by zip code
5–10%
✔
Prudent Pet
Visit Prudent Pet
90.5
$34.17
5 days for accidents, 14 days for illnesses
10%
✔
*We obtained the sample premiums above for an accident-and-illness policy for a 4-year-old, medium-sized, mixed-breed dog in Boise, Idaho. Pricing may vary based on your pet’s age, breed and location, so we recommend getting quotes directly from companies for the most accurate cost information.
 
Each pet insurance company in this review is accepted by all licensed vets in the United States. Fetch by The Dodo is accepted by vets in the United States and Canada, and Trupanion reimburses vet expenses in the United States, Canada and Puerto Rico.
Pet insurance is important because it can provide your pet with lifesaving care and prevent you from paying costly vet bills in an emergency. In our survey of 1,000 pet owners, we discovered that more than 40% of participants had paid at least $500 for a vet emergency. Pet insurance can reduce the impact on your wallet.
If you have a service animal, a working animal (such as a farm cat) or a performing animal (such as a dog that appears in commercials or ads), you may be able to write off pet insurance, vet bills, pet food, boarding, grooming, training, transportation and pet supplies when you file your taxes.
You can often add a pet to an existing pet insurance policy, and you may be able to save money with a multi-pet policy. You cannot, however, add a pet to your own health insurance policy.
 
Our review of pet insurance companies is based on in-depth industry research that includes reading hundreds of customer reviews, simulating the quote and purchasing process, speaking to representatives on the phone to assess the customer service experience and surveying 1,000 dog and cat owners nationwide to determine the most important elements of pet insurance coverage. We have scored each provider on a 100-point scale based on those elements.
Here are more details about each factor and how they’re weighted:
We use our rating system to compare and contrast each company against key factors to help us determine the best pet insurance companies in the industry. Additionally, we keep our research up to date and revisit our reviews on a regular basis.
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