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Best Pet Insurance in Idaho of 2025

Lisa Scott

If you are a resident of Idaho, there are numerous outdoor activities and opportunities to keep you occupied. Hiking in the summer, skiing in the winter, exploring the mountains, and attending family gatherings are just a few of the things to do in this northwestern state.

You’re also in luck if you’re an animal lover! Idaho has the highest dog ownership percentage at 58.3 percent, with Montana following at 51.9 percent, and both states benefit from a great climate. This rocky mountain state is a beautiful area to live in, with a variety of wonderful communities to choose from. However, while Idaho is an animal-friendly community, it is crucial to remember that you must have to protect the pets that live with you.

Pet insurance is one way to provide unbeatable health care for these animals in the case of an injury or illness. This coverage assumes responsibility for their medical requirements until they are well again. So, in this post, you will learn about the best pet insurance in Idaho and how to get one.

Super-extensive accident & illness coverage

$20,000

Coverage Up To

90%

Reimbursement

Overview

Pumpkin offers high-quality pet insurance plans for cats and dogs as well as an optional non-insurance preventive care plan for vaccinations, key tests and wellness exams, which will help to keep your pet happy and healthy through their life. You can travel with your pet in Canada or the US and can get access from any licensed vet in these countries. The platform is entirely digitized and serves as a one-stop-shop for all your pet's healthcare needs.

Pumpkin will cover up to $20,000 for dogs and $15,000 for cats annually.

What we like

  • Extensive coverage on multiple health issues
  • Optional preventive care plan that reimburses in full for annual wellness exams and vaccines
  • No exclusion on breeds or older pets
  • Offers a Fur Family Discount on multiple pets
  • Healthcare coverage in Canada and the US

What we don't

  • Pre-existing health conditions not covered
  • Pumpkin only covers dogs and cats

Pumpkin Advertiser Disclosure: Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/insurancepolicy. Products, discounts, and rates may vary and are subject to change. Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company (NAIC #21113, Morristown, NJ) and produced by Pumpkin. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states. For full terms, visit pumpkin.care/customeragreement. Paid Endorsement.

Multiple options for wellness plans

$100,000

Coverage Up To

90% - 100%

Reimbursement Rates

Overview

Wagmo began by providing stand-alone pet wellness coverages. Today, it has expanded its portfolio to include customizable pet insurance coverage.

What we like

  • Customizable policies
  • Variety of wellness plans
  • Fast reimbursements
  • High incident limits
  • Visit a vet of your choice

What we don't

  • 15 day waiting period on accident policy

Affordable prices with a fast reimbursement process

$100,000

Coverage Up To

70% - 90%

Reimbursement

Overview

Lemonade has earned a stellar reputation in the pet insurance industry with its affordable monthly premiums and fast reimbursement of claims with its AI technology. This technology has attracted thousands with its customizable policies and provides comprehensive coverage on illness and accidents to dogs and cats.

What we like

  • Customizable plans so you only pay for coverage that your pet needs
  • Claims are reimbursed in minutes
  • Affordable monthly premiums starting at $10/month
  • Comprehensive wellness plans to keep your pet in good health
  • Pay deductible once per year and not per incident

What we don't

  • Lemonade is only available in 33 states
  • Certain hybrid breeds may be denied

Short waiting periods on accidental coverage

$25,000

Coverage Up To

50% - 100%

Reimbursement

Overview

MetLife Insurance offers pet insurance for cats and dogs and is known for the shortest waiting periods in the industry.

What we like

  • No restriction on breeds and pet age
  • Customizable annual benefit limits
  • Short waiting periods accidental coverage
  • Flexible deductibles from $50 to $2,000
  • No incident limits

What we don't

  • Wellness treatment not included (optional add-on)
  • Pay first out of pocket and reimbursed later

Quick claims process

$10,000

Coverage Up To

70% - 90%

Reimbursement

Overview

Spot will insure older animals and provides a multi-pet discount when you insure two or more pets

What we like

  • Multi-pet discount
  • No upper age limit
  • Quick claims process
  • Fast and simple filing of claims
  • Optional no lifetime limits or caps on payouts

What we don't

  • Customer service limited to weekdays
  • 14 day waiting period

Pre-existing conditions and 6 pets covered for $24/m

$3,000

Coverage Up To

100%

Reimbursement

Overview

Pawp offers pet owners an emergency fund up to but not exceeding $3,000 annually. The platform is different from other traditional pet insurance agencies as it does not require you to provide a medical examination report before enrolling your pet. Whether your pet is healthy or has been diagnosed with a pre-existing condition, you can still enroll it and access the emergency fund when the need arises.

With no deductibles and low monthly premiums as low as $24, the digital platform will protect your furry friend during an incident and save money from large vet expenses. Although the agency does not provide any limitations on age, it is best to insure your pet while still young and be prepared in advance when an emergency occurs.

What we like

  • Monthly premiums as low as $24
  • Allows coverage on 6 pets for $24 a month
  • Allows enrollment of pets with pre-existing conditions
  • 24/7 unlimited access to Pawp’s virtual vet doctors

What we don't

  • Coverage is restricted to healthcare emergencies only
  • Does not offer wellness coverage
  • Emergency funds can be accessed only once per year

Provides holistic therapy coverage

$15,000

Coverage Up To

70% - 90%

Reimbursement

Overview

Fetch covers various conditions and offers holistic therapy coverage.

What we like

  • Covers examination fee during vet visits
  • Holistic therapy coverage
  • Comprehensive dental coverage
  • No penalty for multiple claims
  • No upper age limit for the pets

What we don't

  • Offers a single plan
  • No preventive care plans
  • No multi-pet discount

No age limit on pets - older dogs and cats are covered

Unlimited

Coverage Up To

70% - 90%

Reimbursement Rates

Overview

Prudent pet has excellent coverage for your pet regardless of their age. The insurer can customize your plan from illnesses, medications, accidents to preventive care that will fit your pet's needs and financial situation. This plan will give you peace of mind that you won't break the bank with unlimited coverage if an emergency occurs since treatments tend to be more expensive for older pets.

What we like

  • Older cats and dogs are covered
  • Customize your plan to fit your pet's needs and financial situation
  • Customers from US can get covered in Canada as well
  • Unlimited live vet chat if an issue occurs with your pet
  • 10% multiple pets discount

What we don't

  • Pre-existing health conditions not covered
  • Wellness add-ons can get expensive

Is pet insurance worth it in Idaho?

If you live in Idaho and have a pet, it is highly advised that you obtain pet insurance. Idaho’s winters can be harsh, which could be a problem for your four-legged friend. Because pets are smaller animals than people, you may not be able to predict what will happen in the following years, months, or years.

When your pet becomes ill or is engaged in an accident, a trip to the veterinarian is now the best thing to do. However, the expense of a veterinarian may be more than you can afford at the time.

Hence, if you do not have pet insurance, you may have to bother about this because the monthly or yearly premiums are your only contribution. Pet insurance is a more cost-effective alternative to veterinarian care for ensuring that pets in Idaho receive the best possible care.

What are the types of pet insurance plans?

There are basically three types of pet insurance plans in Idaho. These plans include:

  • Accidents and Illnesses
  • Accident-only plans
  • Wellness or Preventive 

1. Accident and Illness

Accident and illness coverage is among the top pet insurance plans in Idaho. It covers all necessary medical expenses for your pet well, consumes unknown drugs, or is involved in an accident. The average monthly cost covered by this policy for your pet’s diseases is $35–55.

2. Accident-only plans

This sort of policy covers circumstances that arise as a result of significant or minor accidents as specified in the insurer’s policy. Within the 12-month insurance policy period, the accident-only insurance policy covers vet fees for an unexpected or sudden injury or accident. It is preferred for a pet owner who has a limited budget. Or their pet is elderly, and other plans appear to exclude them based on this.

3. Comprehensive Cover

Comprehensive coverage is superior to accident and illness coverage. Any illnesses or accidents that your pet may suffer are covered by a comprehensive pet insurance policy. It also covers some of the costs of immunizations, basic care, and behavior modification programs. The average monthly cost of this policy is $60 or more.

4. Lifetime Pet Insurance Policies

A life insurance policy for your pets is a long-term insurance policy. It covers your dogs until they pass away, and policyholders must renew it each year. All of your pet’s medical conditions are covered with this policy up to a specified financial limit.

What does pet insurance in Idaho cover and exclude?

Pet Insurance plan coverage in Idaho covers the following conditions:

  • X-Rays, Blood Tests, Ultrasounds
  • Illnesses
  • Accidents
  • Hereditary
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Emergency Care
  • Specialty Care
  • Chronic Conditions
  • Cancer
  • Diagnostic Treatment
  • Alternative Treatment

Any preexisting conditions are not covered by Idaho pet insurance firms. These injuries or illnesses that occurred before you purchased your policy are usually not covered. However, not all companies permanently ban all people with pre-existing medical issues.

You may be able to get the disease covered if the policyholder obtains medical records from their veterinarian confirming that your pet’s condition has been cured for at least six months. Grooming treatments, like baths, shampoos, nail trims, and dips, are sometimes not covered by pet insurance coverage.

How much does pet insurance cost in Idaho?

A pet insurance policy’s cost varies depending on the breed, zip code, age, species, kind of coverage, deductibles, and other factors. A one-year-old Mixed Breed dog will cost $30-$40 per month, while a three-year-old Golden Retriever will cost $35-$45 a month.

Pet insurance costs vary depending on the plan. Wellness coverage, for example, costs $20 to $25 per month. The cost of accident-only coverage ranges from $11 to $16 per month.

For dogs, comprehensive coverage costs an average of $49 per month, and for cats, it costs an average of $29 per month.

What are the veterinary costs in Idaho?

Because there are various types of vet services, pricing may vary depending on the equipment used and the company’s brand. Again, vet costs in Idaho may vary depending on the condition presented, but vet fees can be pretty substantial regardless of the pet you own or where you live. As an example;

ConditionCost
Torn Ligament$3,000 – 6,000
Stomach Ulcers$1,000 – 7,000
Transitional Cell Carcinoma$2,000 – 20,000
Stomach Bloat$1,500 – 7,000
Tracheal Collapse$4,000 – 7,000

How to choose the best pet insurance in Idaho 

Online quotes are one of the greatest ways to get a pet insurance coverage plan that fits your pet’s demands and your budget. You can choose the best insurance plan that will not affect your income by collecting many quotes from different pet insurance companies.

You can also find the best pet insurance plan by getting a suggestion or reading internet reviews of clients who have used a specific insurer. Based on these reviews, you can predict and know what type of services the insurer will supply you. Finally, an independent agent in Idaho can help you get the best insurance plan.


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