FROM OUR PARTNERS

Best Pet Insurance in Iowa of 2025

Lisa Scott

Iowa is one of the cheapest and desirable areas to live in the United States. There are many lovely places to visit and explore in Iowa with your pet and loved ones. Numerous locations in Iowa are pet-friendly, offering a variety of things to do with your pet, including dog parks, trails, restaurants, and ranches.

In general, Iowans are pet lovers who take excellent care of their fluffy companions. Pet owners in Iowa take good care of their animals, and with pet insurance, your pet is protected against unforeseen events that may occur while you are away.

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 Iowa?

Yes, purchasing pet insurance coverage for your pet in Iowa is a good idea. Although pet insurance is costly, you will be glad you have it when your friend (pet) encounters harm or becomes ill.

No matter how cautious you are with your pet, you might not be able to prevent certain events from occurring. Pets could be bitten by a rattlesnake and other wild animals in Iowa. With pet insurance, you can help safeguard your pets from these unforeseen circumstances. Pet insurance can help you budget for the hefty cost of medical treatment for your pet in an emergency.

Pet insurance provides peace of mind to pet owners by ensuring that they cover their veterinarian treatment costs in the event of an emergency.

What are the types of pet insurance Plans?

The pet policies in Iowa include: 

  • Accident-only plan: This plan solely covers the costs of veterinary treatment for accidents. This method is advantageous for pet owners who reside in an area where disasters are common. It mostly covers vehicle accident injuries, snake bites, and foreign body ingestion. This sort of pet insurance is less expensive and ideal for pet owners on a budget who still want to protect their animals.
  • Accident and illness plan: The accident and illness plan covers the cost of care for accidents and diseases. It’s the most popular plan, and it’s perfect for pet owners who want to make sure their animals get all they need. This plan does not cover older pets because it has an age limit. It provides coverage for a variety of medical issues, including surgery, diabetes, cancer, and digestive issues.
  • Comprehensive plan: This plan covers routine exams and different medications. It covers things like behavioral training, vaccinations, exam fees, and dental work. This plan includes deworming and microchipping for your pet, as well as spaying and neutering for pets under a year old.

What does pet insurance in Iowa cover and exclude?

Pet insurance covers a variety of health issues that arise as a result of disease or accidents, including the following:

  • Surgery
  • Cancer
  • X-rays 
  • Alternative Therapies
  • Hip dysplasia
  • Diagnostic Treatment
  • Vaccination
  • Hospitalization
  • Allergies
  • Accident
  • Illness
  • Prescription Medication 
  • Hereditary and Congenital conditions

Pet insurance in Iowa does not cover these conditions below:

  • Pre Existing Conditions
  • Theft of pet
  • Pregnancy
  • Preventative Care
  • Examination Fee

How much does pet insurance cost in Iowa?

The expected cost of pet insurance in Iowa ranges from $13 to $67 per month for dogs and $8 to $37 per month for cats, according to figures from various pet insurance providers. Other factors that influence pet insurance costs in Iowa include:

  1. Pet breed: The cost of insuring a specific breed of pet differs from the cost of another breed of the same pet. German Shepherds, for example, are more likely than other dog breeds to acquire cancer, resulting in higher insurance costs. Large dog breeds are also more likely to develop hip dysplasia, raising the cost of pet insurance.
  1. Pet species: In general, the cost of insuring a dog is higher than that of insuring a cat. This is because as dogs age, they are more likely to have health problems.
  1.  Pet’s  Age: Your pet’s age is a strong factor that influences the cost of pet insurance. As your pet gets older, the cost of pet insurance rises. It’s wise to purchase pet insurance for your pet while they are still young and healthy to save money on insurance.
  1. Discount: Some pet insurance companies will give you a discount if you insure more than one pet, if you don’t make any claims in a year, and if you adopt a pet.
  1. Type of Policy: When you choose a pet insurance policy with a lower deductible, a higher reimbursement rate, and a bigger coverage limit, the cost of your pet insurance goes up. The cost of pet insurance is also determined by whether you choose an accident and illness plan or an accident-only plan.

The cost of pet insurance is also impacted by your location; insuring a pet in an area with a high accident rate will be more expensive than insuring a pet in an area with a lower accident rate. Furthermore, the cost of a pet insurance policy varies greatly depending on the insurance provider. For example, the cost of an accident and illness plan varies greatly depending on the insurance provider.

What are the veterinary costs in Iowa?

In Iowa, the cost of veterinary treatment for dogs is expected to be between $200 and $400 per year; for cats, the cost is estimated to be between $90 and $200 per year. Unexpected circumstances such as illness, accidents, and injuries can raise the expense of veterinarian care.

If you can’t afford it, you ask the animal welfare group for help with the cost of your veterinary care.

How to choose the best pet insurance in Iowa 

If your level of coverage and monthly budget are compatible with the carrier you choose, then it is considered the finest. When you compare the quality of coverage and rates offered by different insurance carriers, you can make a more informed decision about which options are best for your pet and your budget.

Different pets companies in Iowa provide pet owners with quotes from multiple insurance carriers. You can enlist their assistance in determining the best course of action for your pet.


Ultimate Guide to Keep Your Pet Happy and Healthy
Learn how to provide the best care for your furry friend with practical tips and expert advice in this FREE comprehensive e-book.
GET THE EBOOK