Best Pet Insurance in Utah
Pet owners in Utah have several excellent options when it comes to protecting their furry companions with pet insurance. This guide highlights the top providers in the state, considering factors like cost, coverage, and customer service.
Our Expert Picks
Based on our analysis, the best pet insurance companies in Utah are:
- Pets Best
- Embrace
- Figo
Compare the Best Pet Insurance Companies in Utah
Rates are based on plans with unlimited annual coverage, a $250 deductible, and 80% reimbursement, or the closest option available. [Source: Forbes Advisor research.]
Pets Best
- Forbes Advisor Rating: 5.0
- Maximum annual coverage: $5,000 or Unlimited
- Average monthly cost for Unlimited coverage: $38 for dogs; $21 for cats
- Deductible choices: $50, $100, $200, $250, $500, or $1,000
Our Expert Take:
Consider the Pets Best Plus plan for comprehensive coverage at competitive prices, especially if you’re looking for unlimited annual coverage.
Pros:
- Covers dental illnesses like dog gingivitis and periodontitis.
- Offers a 24/7 pet telehealth line.
- Includes coverage for vet exam fees.
Cons:
- The Plus plan does not cover alternative therapies. However, the Elite plan from Pets Best covers acupuncture and chiropractic care if a pet needs rehabilitation.
- Six-month waiting period applies for cruciate ligament coverage.
Embrace
- Forbes Advisor Rating: 4.5
- Maximum annual coverage: $5,000, $8,000, $10,000, $15,000, or Unlimited
- Average monthly cost for Unlimited coverage: $58 for dogs; $32 for cats
- Deductible choices: $100, $250, $500, $750, or $1,000
Our Expert Take:
Embrace stands out, offering a unique way to save on accident and illness plans through its Healthy Pet Discount Program.
Pros:
- Covers stem cell treatment, which can help heal injuries.
- Covers basic vet exam fees.
- Provides a 24/7 pet telehealth line.
Cons:
- Orthopedic conditions have a 6-month waiting period, which can be waived with an orthopedic exam.
Figo
- Forbes Advisor Rating: 4.0
- Maximum annual coverage: $5,000, $10,000, or Unlimited
- Average monthly cost for Unlimited coverage: $52 for dogs; $22 for cats
- Deductible choices: $100, $250, $500, $750, $1,000, or $1,500
Our Expert Take:
Figo features a compelling 100% reimbursement option and includes coverage for dental accidents and illnesses.
Pros:
- Can cover end-of-life costs such as cremation.
- Offers an optional wellness plan.
- Provides a 24/7 pet telehealth line.
Cons:
- A 6-month waiting period applies for orthopedic conditions. However, it can be waived if your veterinarian signs an orthopedic condition waiver within the first 30 days of the policy.
- Coverage for vet exam fees is an extra cost, unlike some competitors.
How Much Does Pet Insurance Cost in Utah?
In Utah, pet insurance costs an average of:
- $48 per month for a dog
- $25 per month for a cat
These costs are based on a policy with $5,000 of annual coverage, a $250 deductible, and a reimbursement level of 80%. With unlimited annual coverage, the costs average:
- $68 per month for a dog
- $34 per month for a cat
Cost of Pet Insurance for Dogs in Utah
Cost of Pet Insurance for Cats in Utah
How To Find the Best Pet Insurance in Utah
When shopping for pet insurance, don’t automatically opt for the cheapest plan. Consider these features for the best value:
- Look for a Plan With a 24/7 Vet Helpline: Many providers offer a 24/7 vet helpline for pet owners. This is useful if your pet gets sick in the middle of the night.
- Direct Vet Payments: Some insurers, such as Pets Best, can pay the vet directly, reducing your initial out-of-pocket expenses and stress.
- Multi-Pet Discount: If you have multiple pets, look for discounts.
- Wellness or Routine Care Coverage: Consider a plan that covers preventive care costs.
- Waiting Periods: Understand the waiting periods for coverage to begin after purchasing a policy. Some conditions might have extended waiting times.
- Vet Exam Fees: Ensure the plan covers vet exam fees for accidents or illnesses. Not all insurers do.
Veterinary Costs in Utah
While average vet visit costs in Utah for dogs are around $48, additional needs like dental care or surgery will increase expenses. Here’s an overview of vet visit costs in different Utah cities:
Methodology
The best Utah pet insurance companies were scored based on:
- Pet insurance rates (40%): Average rates in Utah were calculated for medium-sized mixed-breed dogs and for plans with different coverage levels.
- Special waiting period (10%): Plans with no waiting period or a shorter waiting period for concerns like cruciate ligament issues scored higher.
- Direct payment to vet (10%): Companies with the ability to pay vets directly earned points.
- 24/7 vet health line (10%): Availability of a 24/7 vet health line was considered.
- Routine wellness plans (10%): Plans offering optional wellness plans earned points.
- Pays veterinary exam fees (10%): If the plan covers exam fees earned points.
- Euthanasia or end-of-life expenses (5%): Coverage for end-of-life expenses received points.
- Multipet discount (5%): Discounts for insuring multiple pets were considered.
