Pets are part of the family, and many pet owners are willing to pay thousands of dollars for their pet’s veterinary care and treatments. But what happens if your pet gets sick or injured, and you have to spend even more money on treatment? Do you have a backup plan? Pet insurance can provide peace of mind so you won’t break the bank trying to care for your pet when they need it most. There are several options available when choosing pet insurance in Utah, including cost, deductible, type of coverage, and price points. Read on for details about pet insurance plans in the Beehive State, so you can decide which one is best for you and your pet.
A Quick Look at the Winners for 2023
Image Product Details
Best Overall
Lemonade
Low premiums
Wellness coverage options
Mobile app for easy claim filing
Click to Get Quote
Best Value
Embrace
Multi-pet discounts
Diminishing deductibles when claim free
Wellness plan add-ons available
Click to Get Quote
USAA
Pet insurance for military service members
Multi-policy discounts
No age limit for coverage
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Fetch by The Dodo
No age limits for enrollment
90% reimbursement on claims
Customizable plans
Click to Get Quote
Spot
30-day money-back guarantee
Covers exam fees
Multi-pet discount
Click to Get Quote
Our 12 Pet Insurance Reviews in Utah
- Lemonade — Best Overall
Compare Lemonade PlansLemonade pet insurance isn’t available in all states, but it is available to residents of Utah. It offers the best overall policies in the state, with affordable pricing and comprehensive coverage options. With Lemonade, you can receive coverage up to $100,000 per year. It’s easy to submit claims with the mobile app, and if you choose to purchase home or renters insurance, you will receive a 10% discount.
Unlike many pet insurance companies that don’t cover preventative care, Lemonade does. If your puppy or kitten is under 2 years of age, there are extra coverage options, and there are also plans that cover exam fees. What stands out most about Lemonade is its 2-day waiting period for coverage. Most insurance companies require a 2-week waiting period.
Compare Lemonade Plans
Lemonade pet insurance isn’t available in all states, but it is available to residents of Utah. It offers the best overall policies in the state, with affordable pricing and comprehensive coverage options. With Lemonade, you can receive coverage up to $100,000 per year. It’s easy to submit claims with the mobile app, and if you choose to purchase home or renters insurance, you will receive a 10% discount.
Lemonade does not offer any coverage for dental illnesses, pre-existing conditions, or behavioral concerns. It also only offers insurance coverage in 15 states, which could be a huge negative if you need to move.
Pros
Low premiums
Wellness coverage options
Short waiting period to obtain coverage
Mobile app for easy claim filing
Discounts available with insurance bundling
Cons
Medical history required
Only offers coverage in 15 states
No dental coverage
- Embrace — Best Value
Compare Embrace PlansEmbrace pet insurance is the best pet insurance in Utah for the money. It offers multi-pet discounts and has no lifetime coverage limit. It also has something called “diminishing deductibles.” Each year that you don’t file a claim, your deductible will decrease. Wellness plan add-ons are available to cover routine care, vaccinations, spay-and-neuter surgery, and holistic treatments.
Pets must be under 14 years of age in order to qualify for Embrace pet insurance. While it doesn’t have coverage limits on its accident-and-illness policy, there are limits on add-on coverage. It also only covers a maximum of $650. Unused amounts are lost and will not roll over to the next year.
Low premiums
Wellness coverage options
Short waiting period to obtain coverage
Mobile app for easy claim filing
Discounts available with insurance bundling
- Low premiums
- Wellness coverage options
- Short waiting period to obtain coverage
- Mobile app for easy claim filing
- Discounts available with insurance bundling
Medical history required
Only offers coverage in 15 states
No dental coverage
- Medical history required
- Only offers coverage in 15 states
- No dental coverage
Compare Embrace Plans
Embrace pet insurance is the best pet insurance in Utah for the money. It offers multi-pet discounts and has no lifetime coverage limit. It also has something called “diminishing deductibles.” Each year that you don’t file a claim, your deductible will decrease. Wellness plan add-ons are available to cover routine care, vaccinations, spay-and-neuter surgery, and holistic treatments.
Pros
No coverage limits for accidents and illnesses
Multi-pet discounts
Diminishing deductibles when claim free
Wellness plan add-ons available
Cons
Pets must be under 14 to qualify for coverage
Coverage limit of $650 for wellness care
No rollovers for unused coverage
- USAA
Compare USAA PlansThe best pet insurance plan in Utah for military members is from USAA, a financial services company that specializes in serving military members and their families. As a member of the military, you likely have other USAA products, including insurance for yourself and your family members. You can add pet insurance to your existing policy to make sure your pets are covered too.
Pet insurance from USAA is available for cats and dogs of all ages. While most pet insurance plans cover wellness care, USAA also covers common injuries and illnesses.
No coverage limits for accidents and illnesses
Multi-pet discounts
Diminishing deductibles when claim free
Wellness plan add-ons available
- No coverage limits for accidents and illnesses
- Multi-pet discounts
- Diminishing deductibles when claim free
- Wellness plan add-ons available
Pets must be under 14 to qualify for coverage
Coverage limit of $650 for wellness care
No rollovers for unused coverage
- Pets must be under 14 to qualify for coverage
- Coverage limit of $650 for wellness care
- No rollovers for unused coverage
Compare USAA Plans
The best pet insurance plan in Utah for military members is from USAA, a financial services company that specializes in serving military members and their families. As a member of the military, you likely have other USAA products, including insurance for yourself and your family members. You can add pet insurance to your existing policy to make sure your pets are covered too.
While pet insurance from USAA has great coverage, it’s also one of the more expensive options available in Utah. You can add pet insurance to your existing military policy for a discounted fee of $15 a month for cats and $25 a month for dogs.
Pros
Pet insurance for military service members
Multi-policy discounts
No age limit for coverage
Wellness car included
Cons
Pets must be under 14 to qualify for coverage
Coverage limit of $650 for wellness care
No rollovers for unused coverage
- Fetch by The Dodo
Compare Fetch PlansFormerly known as PetPlan, Fetch is now one of the leading pet insurance providers in North America. It offers coverage throughout North America and provides policies for dogs and cats 6 weeks of age and older. Fetch doesn’t have an upper age limit to receive coverage and offers up to 90% reimbursement on claims. There are multiple tiers for pricing and coverage, and the plans are customizable to make your premiums affordable.
Unfortunately, Fetch doesn’t offer coverage for wellness care and requires veterinary screenings for pets over the age of 6. This leaves coverage options for older pets at the company’s discretion.
Pet insurance for military service members
Multi-policy discounts
No age limit for coverage
Wellness car included
- Pet insurance for military service members
- Multi-policy discounts
- No age limit for coverage
- Wellness car included
Compare Fetch Plans
Formerly known as PetPlan, Fetch is now one of the leading pet insurance providers in North America. It offers coverage throughout North America and provides policies for dogs and cats 6 weeks of age and older. Fetch doesn’t have an upper age limit to receive coverage and offers up to 90% reimbursement on claims. There are multiple tiers for pricing and coverage, and the plans are customizable to make your premiums affordable.
Pros
No age limits for enrollment
90% reimbursement on claims
Customizable plans
Cons
Veterinary screening is required over the age of 6
No wellness coverage
- Spot
Compare Spot PlansSpot is the only pet insurance company in Utah that offers a 30-day money-back guarantee if you get buyer’s remorse. It has no age limit for enrollment, offers unlimited coverage, and covers examination fees. Its accident/illness plan covers a few things that many other companies don’t, including behavioral issues, hip dysplasia, and dental disease. While it doesn’t cover pre-existing conditions, it will cover chronic conditions, provided that they are diagnosed after you apply for coverage.
Unfortunately, Spot has fairly expensive monthly premiums compared to its competitors, along with an extended waiting period. Customer service is lacking too. While some policies offer 24/7 assistance, Spot limits access to Monday–Friday during business hours.
No age limits for enrollment
90% reimbursement on claims
Customizable plans
- No age limits for enrollment
- 90% reimbursement on claims
- Customizable plans
Veterinary screening is required over the age of 6
No wellness coverage
- Veterinary screening is required over the age of 6
- No wellness coverage
Compare Spot Plans
Spot is the only pet insurance company in Utah that offers a 30-day money-back guarantee if you get buyer’s remorse. It has no age limit for enrollment, offers unlimited coverage, and covers examination fees. Its accident/illness plan covers a few things that many other companies don’t, including behavioral issues, hip dysplasia, and dental disease. While it doesn’t cover pre-existing conditions, it will cover chronic conditions, provided that they are diagnosed after you apply for coverage.
Pros
No age limit for enrollment
30-day money-back guarantee
Covers exam fees
Multi-pet discount
Offers unlimited coverage
Cons
Expensive monthly premiums
Limited customer service
Long waiting periods for coverage
- Healthy Paws
Compare Healthy Paws PlansHealthy Paws offers unlimited lifetime coverage for accidents and illnesses and has no limits on coverage for specific conditions. You can receive reimbursement for claims within 48 hours and visit any vet in North America, making it a great choice for people who travel with their pets.
If you have a pet over the age of 6, they will be ineligible for hip dysplasia coverage. Under the age of 6, you will have a 12-month waiting period to obtain this coverage. The waiting period of 15 days for accident coverage is more than most companies. Plans are not customizable, and there are no options to add wellness coverage.
No age limit for enrollment
30-day money-back guarantee
Covers exam fees
Multi-pet discount
Offers unlimited coverage
- No age limit for enrollment
- 30-day money-back guarantee
- Covers exam fees
- Multi-pet discount
- Offers unlimited coverage
Expensive monthly premiums
Limited customer service
Long waiting periods for coverage
- Expensive monthly premiums
- Limited customer service
- Long waiting periods for coverage
Compare Healthy Paws Plans
Healthy Paws offers unlimited lifetime coverage for accidents and illnesses and has no limits on coverage for specific conditions. You can receive reimbursement for claims within 48 hours and visit any vet in North America, making it a great choice for people who travel with their pets.
Pros
No coverage limits
Fast claim processing
Receive coverage at any vet in North America
Cons
No hip dysplasia coverage after age 6
12-month waiting period for hip dysplasia under age 6
Long waiting period for accident coverage
No wellness plan options
- Prudent Pet
Compare Prudent Pet PlansPrudent Pet Insurance offers only two plans, but it covers things that many other companies don’t. Should you need help caring for your pet due to illness, it will reimburse boarding fees for a kennel and the cost of advertising for a lost pet. Prudent has a 10% multi-pet discount and a 5-day waiting period for coverage.
Reimbursement options range from 70% to 90%, and there are four deductible choices to minimize your monthly premiums. If you are willing to pay for it, there is even an unlimited coverage plan with no annual limit.
No coverage limits
Fast claim processing
Receive coverage at any vet in North America
- No coverage limits
- Fast claim processing
- Receive coverage at any vet in North America
No hip dysplasia coverage after age 6
12-month waiting period for hip dysplasia under age 6
Long waiting period for accident coverage
No wellness plan options
- No hip dysplasia coverage after age 6
- 12-month waiting period for hip dysplasia under age 6
- Long waiting period for accident coverage
- No wellness plan options
Compare Prudent Pet Plans
Prudent Pet Insurance offers only two plans, but it covers things that many other companies don’t. Should you need help caring for your pet due to illness, it will reimburse boarding fees for a kennel and the cost of advertising for a lost pet. Prudent has a 10% multi-pet discount and a 5-day waiting period for coverage.
Pros
5-day waiting period
Covers lost pet advertising and pet boarding
Multi-pet discount
Telehealth access
Customizable plans
Cons
No direct-pay option
Plans without coverage limits are costly
- Figo
Compare Figo PlansWithout a doubt, Figo is the best insurance option for cat parents in Utah. Its premiums are lower for cats than any other company on this list. With the Figo mobile app, you can submit claims easily and receive fast reimbursement. It also gives you telehealth access anytime.
Prescription diets and preventative care are included in the wellness coverage. There are no limits, so you won’t have to worry about maxing out your coverage.
5-day waiting period
Covers lost pet advertising and pet boarding
Multi-pet discount
Telehealth access
Customizable plans
- 5-day waiting period
- Covers lost pet advertising and pet boarding
- Multi-pet discount
- Telehealth access
- Customizable plans
No direct-pay option
Plans without coverage limits are costly
- No direct-pay option
- Plans without coverage limits are costly
Compare Figo Plans
Without a doubt, Figo is the best insurance option for cat parents in Utah. Its premiums are lower for cats than any other company on this list. With the Figo mobile app, you can submit claims easily and receive fast reimbursement. It also gives you telehealth access anytime.
Figo isn’t the best choice for dog owners, though, as the premiums are much higher than for cats. There is no coverage available for pre-existing conditions.
Pros
Low premiums for cat owners
Telehealth access
Mobile claim submission
Covers prescription food and preventative care
No coverage limit
Cons
High premiums for dog owners
No coverage for pre-existing conditions
- ASPCA
Compare ASPCA PlansASPCA offers similar plans and pricing to Spot pet insurance but with different deductibles and coverage limits. Its plans cover exam fees related to emergency visits, and there are no condition-specific waiting periods. Multi-pet discounts of 10% are available, which is significantly higher than most other insurance companies.
There is wellness coverage available with ASPCA, but it has a $10,000 maximum payout. There is no option to pay higher deductibles in order to reduce monthly premiums.
Low premiums for cat owners
Telehealth access
Mobile claim submission
Covers prescription food and preventative care
No coverage limit
- Low premiums for cat owners
- Telehealth access
- Mobile claim submission
- Covers prescription food and preventative care
- No coverage limit
High premiums for dog owners
No coverage for pre-existing conditions
- High premiums for dog owners
- No coverage for pre-existing conditions
Compare ASPCA Plans
ASPCA offers similar plans and pricing to Spot pet insurance but with different deductibles and coverage limits. Its plans cover exam fees related to emergency visits, and there are no condition-specific waiting periods. Multi-pet discounts of 10% are available, which is significantly higher than most other insurance companies.
Pros
Covers exam fees for emergencies
No extended waiting periods
Covers microchipping
10% multi-pet discount
Wellness add-on available
Cons
Wellness coverage limit of $10,000
No customizable deductibles
- Pets Best
Compare Pets Best PlansPets Best offers Utah residents economic insurance coverage that’s available after only a 3-day waiting period. Choosing your deductible allows you to keep monthly premiums low, and Pets Best has the option to directly pay your vet instead of waiting for reimbursement.
With Pets Best Insurance, you can access 24/7 telehealth services and receive a 5% multi-pet discount. If you have a pet that may be prone to an inherited condition, like cruciate ligament issues, you may want to consider different coverage, though. Pets Best has an extended waiting period of 6 months for these types of diagnoses.
Covers exam fees for emergencies
No extended waiting periods
Covers microchipping
10% multi-pet discount
Wellness add-on available
- Covers exam fees for emergencies
- No extended waiting periods
- Covers microchipping
- 10% multi-pet discount
- Wellness add-on available
Wellness coverage limit of $10,000
No customizable deductibles
- Wellness coverage limit of $10,000
- No customizable deductibles
Compare Pets Best Plans
Pets Best offers Utah residents economic insurance coverage that’s available after only a 3-day waiting period. Choosing your deductible allows you to keep monthly premiums low, and Pets Best has the option to directly pay your vet instead of waiting for reimbursement.
Pros
Choose your own deductible
Short waiting period
Multi-pet discount
24/7 telehealth access
Direct pay to your vet
Cons
Extended waiting period for coverage of genetic conditions
- Hartville Pet Insurance
Compare Hartville PlansHartville pet insurance offers low deductibles, customizable plans, and wellness add-on choices so you can build the best policy for your needs. You can mix and match deductibles, coverage limits, and reimbursement percentages to keep premiums low. One thing that Hartville offers that most other companies don’t is the cost of microchip implantation. It also covers dental illness within the base policy, which isn’t available with many competitor options.
Hartville has a $10,000 maximum annual payout cap, which is lower than most other providers. It also includes a monthly transaction fee on your bill, which makes your premium price higher than actually quoted.
Choose your own deductible
Short waiting period
Multi-pet discount
24/7 telehealth access
Direct pay to your vet
- Choose your own deductible
- Short waiting period
- Multi-pet discount
- 24/7 telehealth access
- Direct pay to your vet
Extended waiting period for coverage of genetic conditions
- Extended waiting period for coverage of genetic conditions
Compare Hartville Plans
Hartville pet insurance offers low deductibles, customizable plans, and wellness add-on choices so you can build the best policy for your needs. You can mix and match deductibles, coverage limits, and reimbursement percentages to keep premiums low. One thing that Hartville offers that most other companies don’t is the cost of microchip implantation. It also covers dental illness within the base policy, which isn’t available with many competitor options.
Pros
Customizable plans
Coverage for microchip implantation and dental illness
Wellness add-on available
Cons
$10,000 annual coverage cap
Monthly transaction fee added to premium
- MetLife
Compare MetLife PlansWhile waiting periods are standard practice in the pet insurance industry, MetLife doesn’t have any. You will receive accident coverage on the day that you apply for a policy. It offers 100% reimbursement on claims and unlimited annual coverage. You have telehealth access and will even receive coverage for grief counseling and end-of-life care should you need it.
MetLife takes up to 2 weeks to reimburse claims and has extended 6-month waiting periods for certain illnesses. The premiums are also quite high compared to its competitors.
Customizable plans
Coverage for microchip implantation and dental illness
Wellness add-on available
- Customizable plans
- Coverage for microchip implantation and dental illness
- Wellness add-on available
$10,000 annual coverage cap
Monthly transaction fee added to premium
- $10,000 annual coverage cap
- Monthly transaction fee added to premium
Compare MetLife Plans
While waiting periods are standard practice in the pet insurance industry, MetLife doesn’t have any. You will receive accident coverage on the day that you apply for a policy. It offers 100% reimbursement on claims and unlimited annual coverage. You have telehealth access and will even receive coverage for grief counseling and end-of-life care should you need it.
Pros
No waiting period for accident coverage
Telehealth access
100% reimbursement
Cons
High premiums
Long waiting periods for inherited conditions
Up to 2 weeks to receive claim reimbursement
Buyer’s Guide: Selecting the Right Pet Insurance Provider in Utah
What to Look For in Pet Insurance in Utah
The biggest consideration when shopping for pet insurance is to find the best possible coverage at the lowest possible price. No two policies are created equal and they cover different things. Read on for advice on evaluating pet insurance policies.
No waiting period for accident coverage
Telehealth access
100% reimbursement
- No waiting period for accident coverage
- Telehealth access
- 100% reimbursement
High premiums
Long waiting periods for inherited conditions
Up to 2 weeks to receive claim reimbursement
- High premiums
- Long waiting periods for inherited conditions
- Up to 2 weeks to receive claim reimbursement
Policy Coverage
Policy coverage should be evaluated based on the entire lifespan of your pet. Many insurance policies have lifetime or annual maximums for coverage, but they cost less than a policy with unlimited coverage. It’s unlikely that you will exceed these limits, and many companies allow you to roll over unused portions.
Wellness coverage is a great choice if you can make use of what it covers. In many cases, add-ons increase your premium significantly, and you may be purchasing coverage that you won’t use.
Customer Service & Reputation
Customer service is always an important consideration. Should you have an emergency and need help receiving coverage, you need to be able to consult with your insurance company. Many companies on this list offer 24/7 access to customer service and the claims department.
Claim Repayment
Reimbursement times are important. If your policy doesn’t offer direct pay, you’ll have to wait to get your money back. No one wants to wait months for payment to show up. Check out customer reviews for the insurance company that you choose to find out how long claims take to pay out.
Price of Policy
Premiums for pet insurance can be reasonable or exceptionally high. Most offer customizable options for a higher deductible and a lower premium. Just make sure you don’t set your deductible so high that you never receive payment on your policy. If your deductible is $2,000, for example, and the total of your claim for a year is only $1,500, you’re not maximizing the use of your policy, as you’ll never get reimbursement.
Plan Customization
Some companies have rigid plans with no ability to choose your coverage. Customization options mean you can add or take away from your policy as needed over time. It also gives you wiggle room on your monthly premiums.
What Does Pet Insurance Cover?
Coverage varies between insurance companies, but most policies cover unexpected expenses due to accidents or sudden illness. This covers medications, diagnostic testing, and emergency surgeries. Some policies also cover emergency examination fees, but this is not universal.
How Much Does Pet Insurance Cost in Utah?
Pet insurance premiums in Utah range from as little as $14.00 to over $45.00 per month for dogs. Cat policies range from $13.00 to $25.00, depending on your coverage. These averages are based on healthy animals that obtained coverage under the age of 2. Premiums can increase greatly for older pets or animals with a health condition.
It is always recommended to get quotes from multiple insurance companies before signing up for a policy.
Does Pet Insurance Cover Pre-existing Conditions?
Embrace is the only company on this list that offers any type of pre-existing condition coverage. However, this is limited to curable conditions, and there are specific limitations to the coverage. You should always clarify coverage details when signing up for a policy.
Most companies won’t cover veterinary care related to a pre-existing diagnosis, but they will offer emergency coverage for the pet. If your pet has a pre-existing condition, it’s important to clarify what your policy will and will not cover, to avoid being stuck with unexpected bills.
What the Users Say
Most people are happy that they have pet insurance. While it is another monthly expense, it grants peace of mind that your vet bills will be covered in the event of an emergency. The possible downside is spending the money on the insurance only to never need to use it, but then, this means you have a healthy pet!
Which Pet Insurance Provider Is Best for You?
There’s no one-size-fits-all pet insurance policy. Your needs and the health status of your pet will determine which company is best for you. There are several options for accident-and-illness coverage in Utah, but you will need to choose carefully if you are looking for wellness care or preventative care coverage.
If you choose wellness add-on packages, look for companies that offer the best reimbursement rates or ones that cover the specific type of care that you want to be reimbursed for (like vaccinations, prescription food, or behavioral therapy). Some companies cover microchipping or spay/neuter surgery too. If you have more than one pet, you want to look for a company that offers multi-pet discounts.
Conclusion
Hopefully, you now have a good overview of the types of pet insurance available in Utah and which company is best for you and your pet. Explore each company before choosing, and get multiple quotes to ensure that you are getting the best price and coverage available. The right pet insurance can make you feel better knowing that you can cover the cost of emergency healthcare for your furry friend.
Featured Image Credit: Africa Studio, Shutterstock
