Best Pet Insurance In Utah
Pet insurance helps relieve the financial stress of these occurrences, and while coverage varies, it can be the saving grace in helping your furry, feathered, or scaled friend recover.
Written by
Marriah Plough
As a former veterinary assistant with a deep love for animals, Marriah is committed to providing pet owners with the resources they need to make informed decisions about their pets. When she's not crafting blogs and articles for online publications, she's usually spending quality time with her horses and dogs or whipping up baked goods.
Last Update on Jan 3, 2024
Table of Contents
Unexpected veterinary expenses, like emergency visits to treat broken bones or diagnostics to determine whether your pet has torn a ligament, can quickly skyrocket to lofty heights. Between exams, hospitalizations, diagnostics, procedures, and medications, caring for your pet during an illness or after an accident can create a significant financial burden.
With Utah veterinary costs on the rise, pet insurance can make a world of difference in giving you the financial assistance necessary to help care for your pet.
Top Pet Insurance Providers in Utah
Best For Total Coverage And Care
PetsBest
App availability
Yes
Types of pets covered
Dogs and cats
Waiting periods
3 days accident, 14 days illness, 6 months cruciate ligament, none for routine care plans
Maximum annual coverage
$5,000 or unlimited
Reimbursement choices
70%, 80%, or 90%
Deductible choices
$50, $100, $200, $250, $500, $1,000
Show More Details
Pros
- Short 3-day accident plan waiting period
- Several deductible options
- Multiple reimbursement amounts
- 24/7 pet telehealth line
- Routine wellness plans available
- Multi-pet discounts are available for 5% per pet
- Direct vet payments are available when your vet signs a reimbursement release
Cons
- 6-month waiting period for cruciate ligament complications
Additional Details
Between reasonable premiums, flexible deductibles and reimbursement rates, and excellent coverage, PetsBest is a solid option. It even offers direct payments to your vet to ensure you don’t have to pay out of pocket until reimbursements come through.
Coverages
- BestBenefit accident and illness
- Accident only
- Routine care
Claims process
- Online via the Pets Best online portal or through email, fax, or standard mail
Coverage details
- The BestBenefit accident and illness plan delivers the most comprehensive coverage for everything from foreign object injections to dental care, including hereditary and congenital conditions, accidents, illnesses, cancer treatments, hospitalization, surgery, diagnostics, prosthetic devices and wheelchairs, and end-of-life care.
- Most accident and illness plans feature coverage for exam fees, acupuncture, prescription medications, physical rehabilitation, and chiropractic treatments.
- The accident-only plan focuses on emergency care for related expenses, such as snake bites, foreign ingestion, and broken bones.
- The routine care plan, available in EssentialWellness and BestWellness, comes with routine care coverage, such as routine vaccinations and dental cleaning.
- Coverage in the routine care plan varies based on the level you choose, as BestWellness comes with more coverage.
Best For Conditions Covered
ManyPets
App availability
No
Types of pets covered
Dogs and cats
Waiting periods
24 hours or 15 days
Maximum annual coverage
Unlimited
Reimbursement choices
70% or 80%
Deductible choices
$500
Show More Details
Pros
- Short waiting period for accident and illness coverage
- Quick turnarounds on claim payouts
- Covers exam fees in accident and illness visits
- Waiting period in accident and illness plans shortens to 24 hours for customers switching from another insurer
Cons
- Restricted service areas, although it plans to expand
- No behavioral therapy coverage
- Limited coverage for older pets
Additional Details
Complete with unique coverage features, such as reducing the waiting period for customers who switch from a different insurance company, ManyPets is another strong contender. It offers competitive pricing, solid reimbursement rates, unlimited coverage caps, and well-rounded coverage options.
Coverages
- Accident and illness plans
- Wellness coverage
Claims process
- Online through the ManyPet portal or by calling or emailing
Coverage details
- The accident and illness policy covers related expenses, including emergency care, diagnostics, procedures, hospitalizations, and medications.
- The wellness policy covers standard care, including dental cleanings, vaccines, vitamins, supplements, and preventative tests and medications.
- There’s a $600 annual coverage cap for wellness plans split into limits for different expenses, like $150 for dental cleanings.
Best For Fast Approvals
Lemonade
App availability
Yes
Types of pets covered
Dogs and cats
Waiting periods
2 days for accidents, 14 days for illnesses, 6 months for cruciate ligament problems
Maximum annual coverage
$5,000, $10,000, $20,000, $50,000, $100,000
Reimbursement choices
70%, 80%, 90%
Deductible choices
$100, $250, $500
Show More Details
Pros
- Wellness package available
- Brief 2-day waiting period for accident coverage
- Several maximum annual coverage cap options
- Quick turnaround times for claim approvals with AI-powered processes
- Live chat is available for pet health questions from 6 a.m. to 12 a.m. ET
Cons
- Coverage excludes prescription food, microchipping, or stem cell treatment
- Coverage excludes behavioral and alternative therapies
- Vet exam fees are excluded unless you purchase an add-on
Additional Details
The affordable monthly premiums and quick turnarounds make Lemonade worth considering. Its high-tech offerings, complete with an AI-powered app for rapid claims processes, feature flexible policies designed to fit varying budgets and pet needs.
Coverages
- Accident and illness plans
- Preventative care
- Optional add-ons
Claims process
- Online via the Lemonade app
Coverage details
- The accident and illness plan covers various expenses, including emergency care, diagnostics, hospitalization, procedures, and medications.
- The preventative care plan includes standard care expenses, such as spaying or neutering and routine blood work.
- Inclusions in the preventative care plan vary based on your pet’s age, as puppy or kitten plans look different than adult plans.
- Multiple add-ons, such as coverage for end-of-life expenses, exam fees, and dental illnesses, are available to customize your plan.
Best For A Variety Of Plan Options
Embrace
App availability
Yes
Types of pets covered
Dogs and cats
Waiting periods
2 days for accident coverage, 14 days for illness coverage, 6 months on orthopedic conditions in dogs
Maximum annual coverage
$5,000, $8,000, $10,000, $15,000, or $30,000
Reimbursement choices
70%, 80%, 90%
Deductible choices
$200, $300, $500, $750, $1,000
Show More Details
Pros
- Several deductible, reimbursement, and annual coverage cap options
- Offers a diminishing deductible that drops your deductible by $50 for each year you don’t have a payout
- Wellness plans available
- 24/7 pet telehealth support
- Brief 2-day waiting period for accidents
- Coverage includes exam fees for illnesses and accidents
Cons
- 6-month waiting period for orthopedic conditions in dogs
Additional Details
Flexible coverage caps, reimbursement choices, and deductible choices make Embrace worth a look for budget-conscious pet parents. Pet parents can choose from various coverage options and take advantage of a 24/7 pet health line.
Coverages
- Accident and illness
- Accident only
- Wellness Rewards
Claims process
- Online via app or MyEmbrace account or through email, fax, or standard mail
Coverage details
- The accident and illness plan offers the most well-rounded coverage of the two, extending to everything from congenital and hereditary conditions to emergency care and hospitalization.
- The accident-only package focuses on emergency care, including coverage for positioning, lacerations, foreign body ingestion, and other similar expenses.
- The accident and illness package isn’t available for pets 15 years old or older, so the accident-only plan is often the best fit for older pets.
- The Wellness Rewards package covers routine care outside accidents, illnesses, and conditions, including nail trims, grooming, training, spaying or neutering, wellness exams, and teeth cleaning.
Cost of Pet Insurance in Utah
The cost of pet insurance for Utah pet parents depends on factors specific to their situations. Your location, policy, and pet’s type, breed, and age play significant roles in determining the cost of your monthly premiums.
On average, Utah pet owners pay monthly premiums as follows:
- Dogs: $28 and $75 per month
- Cats: $15 and $45 per month
- Exotic pets: $11 and $55 per month.
Comparison With Other Regions
Pet insurance premiums in Utah are comparable to those in surrounding states, including Nevada, New Mexico, and Idaho, although they’re a fair amount lower than those in Arizona. However, premiums around the state can vary, with some cities boasting steeper monthly costs than others.
Cities with higher populations and costs of living often have higher pet insurance premiums than cities with lower populations and more affordable living costs. For example, a pet owner in Park City or Salt Lake City metro area might pay substantially more for a similar policy than someone residing in Vernal or Roosevelt.
Since costs fluctuate based on your situation, getting a personalized quote for your pet is best. Most pet insurance providers offer free quotes in just a few clicks, so grabbing a customized quote only takes a few minutes. This way, you can get a better idea of what you will pay each month.
Pet Laws In Utah
Utah pet parents must abide by various state, county, and city laws. Unlike most states, Utah doesn’t specify many state-wide pet laws. Instead, many of the final decisions are left to the counties and municipalities.
For example, in Utah County, owners must keep their dogs contained on a leash or in an enclosure unless they are participating in specific activities, like obedience classes. In Salt Lake City, owners must license their dogs, cats, and ferrets with the city and have them up-to-date on their rabies vaccinations.
Exclusions And Limitations
Every pet insurer details specific exclusions and limitations in its policies, and while they may vary by provider, many include the same things. For example, excluding pre-existing conditions and accidents or illnesses that occur during the waiting period is standard in the industry.
Additionally, excluding nonmedical expenses, like boarding or daycare, is common, although some providers have add-ons that include coverage for these. Some providers outline restrictions based on pet age, excluding pets beyond a certain age from specific coverages or policies.
These restrictions are crucial considerations when shopping for a pet insurance policy, as they will determine what you receive reimbursement for. Understanding these terms will help you select a policy best suited to your pet’s needs and minimize confusion surrounding what conditions qualify for reimbursement.
Frequently Asked Questions (FAQs)
How Much Is Pet Insurance In Utah?
Most pet parents pay between $28 and $75 per month for dog pet insurance or between $15 and $45 for cat pet insurance. Exotic pet insurance often ranges between $11 and $55 per month, depending on the species. It’s important to remember costs vary drastically based on your pet, policy, and provider.
Do You Want A High Deductible For Pet Insurance?
Most pet insurance providers offer varying deductibles to give pet parents more financial flexibility and choose something that matches their budget. In most cases, the higher the deductible, the lower your monthly premiums will be. The same is often true of the reverse situation – the lower the deductible, the higher the monthly premium.
What Does 70% Reimbursement Mean In Pet Insurance?
A 70% reimbursement rate refers to the amount you’ll receive from your pet insurance provider for covered expenses. For example, if the bill were $100, you would receive $70 back after you pay your deductible.
What Is Considered A Pre-Existing Condition For Pet Insurance?
The qualifiers determining pre-existing conditions can vary from one pet insurance provider to the next. However, most providers define it as any illness or injury your pet has or shows signs of before you purchase a policy or the end of your waiting period.
Find out more
- Pet Insurance That Pays the Vet Directly – The convenience of direct payment options.
- Pet Insurance for Pre-existing Conditions – Find coverage for your pet’s existing conditions.
- Does Pet Insurance Cover Vaccinations? – Learn about vaccine coverage specifics.
- How Much Does Pet Insurance Cost? – Planning for pet insurance expenses.
- Are Wellness Plans Worth It? – Pros and cons of wellness plans.
- Life Insurance for Pets – Exploring life insurance options for pets.
- Is Pet Insurance Worth It? – Evaluating the investment in your pet’s health.
- List of Pet Insurance Companies – A guide to choosing the right provider.
Marriah Plough
Author
As a former veterinary assistant with a deep love for animals, Marriah is committed to providing pet owners with the resources they need to make informed decisions about their pets. When she's not crafting blogs and articles for online publications, she's usually spending quality time with her horses and dogs or whipping up baked goods.
More from Pet Insurance
