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Best Pet Insurance in Utah of 2024

Lisa Scott

Pets are great companions for indoor and outdoor activities. You may take your pet on enjoyable activities in Utah’s metro and mountain regions, or you can go hiking in the state’s urban and mountain regions. At such times, you need to ensure your pets are safe and you can start by learning about the best pet insurance.

The adventure begins the moment you put them in the car for these outings. They sniff the windows, jump for joy from the car, and skip down the trail to follow the scents of nature when they get out. However, sharing such adventures requires that you maintain your pet partner’s health and safety.

You may not always be able to protect your pets, but you can prepare ahead of time for emergency treatment. And, one way to do this is by investing in a pet insurance policy. Pet insurance helps pay for expensive vet bills after an accident or illness, ensuring your pet gets the care it needs. Let’s consider the best pet insurance in Utah in more detail.

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 Utah?

Pet insurance helps you to make sure your pets get the best health care attention at a reasonable price and from top vet centers. This is the best gift an injured or sick pet can get from its owner. Pet insurance makes sure that you are not left stranded should anything happen to your pets accidentally. 

Although Utah is a pet-friendly state, that does not mean there are no threatening factors that may cause damage to your pet’s health. Certain things can make your pet sick in Utah. This can include change or food intolerance, bacterial infection, viral infection, ingestion of garbage, toxins, or foreign bodies. 

With pet insurance, you can ensure that your pets receive the best medical treatment at a reasonable cost from reputable veterinarians. It ensures that you are not left stranded if something goes wrong with your pets.

What are the types of pet insurance plans?

In Utah, there are different types of pet insurance plans with each plan having what it covers respectively.  The pet insurance plans are :

  • Accident and illness plan: Accident and illness coverage includes veterinarian treatment for both injuries and unplanned accidents. This is the most prevalent type of pet insurance plan among pet owners, even though it is costly and does not cover older pets due to an age limit. It is the best plan for pet owners who want to ensure that their pets receive the best possible care. Illnesses and injuries, surgery, and digestive issues are some of the health conditions covered by this plan. Any hereditary or congenital disorders are not covered.
  • Accident-only plan: The accident-only coverage only covers the costs of accident-related treatment. This plan is appropriate for pet owners who are concerned about what will happen to their pets in the future while their pets are still young and healthy. It is very affordable and does not have an age limit, so it is suitable for elderly pets. Things under the coverage of this plan include burns, cuts, and car accidents, among other things.
  • Wellness plan: The wellness plan covers the expense of basic and preventive treatment that your pet will require regularly. A wellness plan is sometimes sold as stand-alone insurance, but it is more commonly purchased as a supplement to accident and illness coverage.

What does pet insurance in Utah cover and exclude? 

A pet insurance plan typically covers the cost of treating accidents, diseases, and normal care for your pet. In Utah, pet insurance covers the following medical conditions:

  • Illnesses & Injuries
  • Hospitalization
  • Surgery
  • Hereditary and Congenital conditions
  • Prescription Medications
  • Specialty care
  • Hip dysplasia
  • Cancer
  • Allergies
  • Digestive issues

These health conditions are not covered by pet insurance in Utah.

  • Grooming services such as nail trim, bath, etc
  • Pregnancy
  • Pre-existing conditions
  • Theft of pet 
  • Cloning 
  • Cremation services.

How much does pet insurance cost in Utah?

According to quotations from several insurance firms in Utah, the average monthly cost of pet insurance for a dog runs from $24 to $86 per month, and for a cat, it ranges from $9 to $30 per month. Other factors that influence the cost of pet insurance include the pet’s age, breed, species, Zip code, and the insurance provider you choose.

  • Pets’ age: The age of a pet can affect the cost of pet insurance because older pets are more prone to disease than younger ones, so the expense of insuring them rises as they become older. When your pet is young and healthy, it is less expensive to insure them.
  • Zip Code:  The area you are residing in affects the pet insurance costs. If you live in an area with a high cost of veterinary treatment or a high risk of accidents, the cost of insuring a pet in that area will likely be high as well.
  • Species of Pet: The cost of pet insurance is influenced by the species of the pet; the cost of insuring some kinds of a pet is higher than the cost of insuring others. Because dogs are more prone to illness than cats, the cost of pet insurance for a dog is more than for a cat.
  • Breed of Pet: Some pet species, such as dogs, are more prone to genetic diseases like elbow dysplasia and cherry eye, and as a result, are more expensive to insure than others.
  • The Insurer: The cost of acquiring accident and illness coverage, for example, varies as each company has its own particular way of pricing. In addition, the type of coverage can affect the cost of pet insurance. When you choose a pet insurance plan with a high reimbursement rate and a low deductible, you will pay a lot of money. Again, the cost of each pet insurance plan varies depending on what it covers. An accident and illness plan, for example, will be more expensive than an accident-only plan.

What are the veterinary costs in Utah?

Utah is one of the few states in the United States where veterinarian treatment is not too expensive. In Utah, the average cost of veterinarian treatment for dogs is $200 to $400 per year; cats cost $90 to $200 per year. However, unexpected events, including accidents or illnesses, can increase the expense of veterinarian treatment.

How to choose the best pet insurance in Utah

The finest pet insurance is one that fits your monthly budget while providing the degree of coverage you require. You may compare quotes from several insurance carriers based on their level of coverage, pricing, and customer service to help you choose the best option among the many providers available.

You can contact an independent pet insurance agent for more information on the types of pet insurance plans offered by each insurance company, as well as the cost and level of coverage they provide, to help you make an informed decision.


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