Best Pet Insurance in Utah (2022 Reviews) – MarketWatch

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In this article: Top Pet Insurance Companies | Types of Pet Insurance | How to Choose | Conclusion | FAQs | Methodology
As a pet parent, you may feel better knowing your furry friend (and your wallet) is protected if an emergency, accident or unexpected illness occurs. Whether your dog gets injured on a hike or your cat seems under the weather, a pet insurance plan can offer you peace of mind that you won’t have to decide between your pet’s health and your budget.
If you’re a Utah pet owner, you can enroll in one of several quality pet insurance policies that will reimburse you for covered out-of-pocket vet expenses. We at the Home Media reviews team rounded up the best pet insurance companies in Utah based on rates, coverage and customer experience so you can choose the best protection for your four-legged family member.
Based on our extensive research, here are our choices for the top pet insurance companies in Utah:
 
Highlights:
Coverage: Lemonade offers one comprehensive accident-and-illness policy covering diagnostic tests, surgical procedures, emergency care and prescription medication. This plan does not provide coverage for preexisting conditions, accidents or illnesses during the waiting period, dental care or spay/neuter surgery.
Add-Ons: Lemonade’s add-on offerings include the following:
Cost: We gathered average premium prices from Lemonade for 4-year-old, mixed-breed dogs and cats in Provo, Utah, with various reimbursement rates, annual deductibles and coverage limits:
Lemonade is currently involved in a class-action lawsuit claiming a violation of customers’ privacy in collecting biometric data. We still recommend Lemonade as a reliable pet insurance provider with an efficient quote process, affordable rates and an admirable giveback program.
Get a quote: Use Lemonade’s online tool to get a free quote and enroll in a policy. 
To learn more: Lemonade pet insurance review
 
Highlights:
Coverage: With Spot, pet parents can choose between an accident-only and an accident-and-illness plan. Both plans are customizable, giving pet owners the flexibility to adjust deductibles, coverage limits and reimbursement rates. Spot also offers coverage for microchipping and exam fees, services often excluded from other providers’ standard plans. Like its competitors, Spot does not cover preexisting conditions.
Add-ons: There are two available add-on policies for wellness coverage — Gold and Platinum Preventative Care. The Gold option will reimburse up to $250 for routine care services such as wellness exams, dental cleanings and rabies vaccinations. The Platinum plan, which reimburses up to $450, covers all the items in the Gold plan, plus urinalysis, flea and heartworm prevention and a blood test. 
Cost: To give you an idea of Spot’s average monthly premium, we obtained prices for 4-year-old, mixed-breed dogs and cats in Provo, Utah, with various reimbursement rates, deductibles and coverage limits: 
Get a quote: Visit Spot’s website to get a customized quote for your pet.
To learn more: Spot pet insurance review
 
Highlights:
Coverage: Trupanion offers one accident-and-illness plan and covers 90% of vet expenses, including diagnostic testing, hospitalization, surgical procedures, prescription medications and more. Additionally, Trupanion offers unlimited coverage, so pet owners never need to worry about reaching an annual coverage cap. This provider lets customers choose their own deductible, anywhere from $0 to $1,000. Unlike its competitors, Trupanion’s deductibles are per condition, not annual.
Add-ons: Two additional coverage options are available for an extra monthly fee. The Recovery and Complementary Care option covers treatments such as acupuncture, chiropractic care, homeopathy, physical therapy, behavior modification and rehabilitative therapy. The Pet Owners Assistance package provides pet owners support for events outside the vet’s office, such as advertising and reward for a lost pet, cremation or burial (for accidental deaths) and boarding costs if pet owners are hospitalized.
Cost: We based average costs for Trupanion on quotes for 4-year-old, mixed-breed dogs and cats in Provo, Utah, with various deductibles:
Get a quote: Get a free quote from Trupanion for your four-legged best friend.
 
Highlights:
Coverage: Fetch offers one comprehensive plan for accidents and illnesses. You can customize your policy with maximum annual payout options of $5,000, $10,000 or $15,000, deductible options of $300, $500 or $700 and reimbursement rates of 70%, 80% or 90%. Fetch’s accident-and-illness policy includes several items not typically covered by competitors in its base plans, including behavioral therapy, breed-specific conditions, comprehensive dental care and alternative and homeopathic therapies.
Add-ons: Fetch does not offer any preventive or wellness care add-ons or cover any preexisting conditions.
Cost: Below are sample monthly premiums from Fetch based on 4-year-old, mixed-breed dogs and cats in Provo, Utah, with various reimbursement rates, annual deductibles and coverage limits: 
Get a quote: Click through Fetch’s online tool to “fetch” your free pet insurance quote. 
To learn more: Fetch by the Dodo pet insurance review
 
Highlights:
Coverage: Embrace offers pet owners an accident-and-illness policy that covers diagnostics, medications, exam fees, procedures and other treatments relating to unforeseen accidents or illnesses, including cancer, allergies, chronic conditions, broken bones and more. Preexisting conditions, pregnancy and breeding-related issues, elective procedures, cosmetic procedures and any conditions that arise during the waiting period are not covered.
Add-ons: Embrace offers an optional Wellness Reward plan that pet owners can add to their base policy for an additional monthly fee. With Wellness Rewards, Embrace covers 100% of routine care procedures, such as wellness exams, vaccinations, prescription food, microchipping and more.
Cost: The following averages are based on quotes from Embrace for 4-year-old, mixed-breed dogs and cats in Provo, Utah, with various deductibles, reimbursement levels and annual coverage limits:
Note: If your pet is 15 years or older, it’s only eligible for an accident-only policy from Embrace.
Get a quote: Fill out Embrace’s online form to get a free pet health insurance quote.
To learn more: Embrace pet insurance review
 
Highlights:
Coverage: Healthy Paws offers one accident-and-illness plan covering treatments, diagnostics, medications and procedures related to accidents and illnesses. The plan also covers hereditary conditions, chronic conditions, congenital conditions, cancer treatments, emergency care and alternative treatments (such as acupuncture, hydrotherapy, homeopathic therapy and physical therapy). Healthy Paws allows limited customization of your policy, offering a 70% or 80% reimbursement option and a $250 or $500 deductible option. If your pet is older than 6 years old, policies can’t be customized and have higher deductibles and lower reimbursement rates.
Add-ons: Unlike several competitors, Healthy Paws does not offer a wellness plan or preventive care add-on.
Cost: Here are some examples of monthly premiums from Healthy Paws based on sample quotes for 4-year-old, mixed-breed dogs and cats in Provo, Utah, with varying deductible options and reimbursement rates:
Note: If your pet is younger than 6 years old, Healthy Paws requires that they have had a veterinary exam no more than a year before enrollment for coverage can take effect. If your pet has not had an exam in that time, you must provide the results of a clinical exam within 15 days of enrolling for the policy to take effect.
Get a quote: Get a free pet insurance quote from Healthy Paws and help an animal in need.
To learn more: Healthy Paws pet insurance review
 
Highlights:
Coverage: Figo offers three plans that all cover accidents and illnesses but vary in annual coverage limits: Essential ($5,000 annual cap), Preferred ($10,000 annual cap) and Ultimate (unlimited annual coverage). Figo’s plans cover emergency services, surgical procedures, hospitalization, diagnostic testing, medications and rehabilitation. Also covered are chronic, congenital, hereditary and orthopedic conditions.
Pet owners can choose a reimbursement rate of 70%, 80%, 90% or 100% and a deductible of $100, $250, $500 or $750. Keep in mind that only a $500 or $750 deductible can be paired with a 100% reimbursement rate.
Add-ons: Figo offers four add-on options to supplement your base policy. The Wellness package covers preventive care services such as vaccinations, flea and heartworm prevention, spay/neuter surgery, microchipping and bloodwork. You can purchase either the Basic or the Plus package — both cover the same services but have different coverage limits. 
Another add-on is the Extra Care pack, which covers cremation and burial costs, advertising and reward money for a lost pet, pet theft and third-party property damage liability up to $10,000. Additionally, Figo offers an add-on benefit that covers the cost of vet visits related to an accident or illness.
Cost: According to Figo’s online quote tool, here are some average price ranges for 4-year-old, mixed-breed dogs and cats in Provo, Utah, with various deductibles, reimbursement levels and annual coverage limit options:
Get a quote: Fill out Figo’s online form for a free pet insurance quote.
 
Before shopping for pet insurance quotes, it’s best to acquaint yourself with the most common pet insurance plans available.
A pet insurance policy has three major components that will affect your monthly insurance premium. Your annual coverage limit is the total amount your provider will pay out over the year. Your reimbursement rate is the percentage of veterinary care costs your provider will reimburse you. Finally, your deductible is the amount you will have to pay out of pocket for vet bills before your provider reimburses you. Deductibles are often annual; however, they can also be per incident or per condition.
Before you lock into a policy with a pet insurance company, consider the following factors:
We chose Lemonade as the best pet insurance company in Utah for its affordable premiums, comprehensive add-on options and exceptional customer service. That said, each provider listed has distinctive features, coverage types and flexibility with deductibles, reimbursements and annual limits. Needs vary from pet owner to pet owner, so we recommend obtaining free quotes from at least three providers to ensure you get the best pet insurance plan for your budget and your furry friend.
Below, we compare features of Utah’s top pet insurance providers:
Provider
Get a Quote
Our Score
Monthly Cost*
Waiting Periods
Multi-pet Discount
Mobile App
Lemonade
Visit Lemonade
90.5
$22.67
2 days for accidents; 14 days for illnesses
10%
✔
Spot
Visit Spot
89
$32.55
14 days for all conditions
10%
✔
Trupanion
Visit Trupanion
78.5
$59.57
5 days for accidents; 30 days for illnesses
None
✔
Fetch
Visit Fetch
89.5
$28.18
15 days for all conditions
None
✔
Embrace
Visit Embrace
90.5
$43.10
2 days for accidents; 14 days for illnesses
10%
✔
Healthy Paws
Visit Healthy Paws
84
$40.24
15 days for accidents and illnesses
None
✔
Figo
Visit Figo
90
$34.13
Varies by ZIP code
5–10%
✔
*Each provider’s monthly cost is based on quotes we obtained for an accident-and-illness policy covering a 4-year-old, medium-sized dog in Provo, Utah.
Pet insurance is worth it for pet owners who want peace of mind that significant out-of-pocket expenses will be taken care of if their pet experiences an emergency, accident or illness. When looking at the most common pet conditions, the potential out-of-pocket costs to treat them far outweigh the annual cost of a pet insurance policy.
Pet insurance covers medication that is prescribed for the treatment of a covered injury or illness. What isn’t usually covered: an alternative medication or something you want to give your pet outside your vet’s recommendation.
You can get a pet insurance policy after a diagnosis, but it would be deemed a preexisting condition and, therefore, not covered. However, your pet would be covered for future injuries or illnesses, provided they were not present before your pet insurance policy enrollment.
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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