Picking the right pet insurance is tricky. You want to find insurance that will keep your dog or cat safe and help keep vet bills down, but if you get the wrong plan, you might end up paying more over time than you can save. If you’re native to Minnesota, on average, you’ll spend more than $1,300 annually on vet care, making it one of the more expensive states to care for an ailing pet, so getting the perfect plan is even more important. Here are 15 of our favorite companies to help you find the right pet care for you.
A Quick Look at the Winners for 2023
Image Product Details
Best Overall
Spot
Fast claim processing
Telehealth available 24/7
Holistic therapy coverage
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Pets Best
No lifetime limits
Great price for coverage
Multiple customer support options
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Trupanion
Zero deductible option
Two-day average processing
Coverage available from birth
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Embrace
Multi-pet discount of 10%
Five-day average processing
Lots of deductible, reimbursement, and payout options
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Figo
Few exclusions
Covers curable existing conditions
No upper age limit
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Our 15 Pet Insurance Reviews in Minnesota
- Spot —Best Overall
Compare Spot PlansSpot offers both accident only coverage or accident and illness coverage. It even covers illnesses that are common in pets like hip dysplasia and cancer. Spot also offers holistic therapy coverage like acupuncture which isn’t very common in the pet industry market. Above all one of our favorite things about Spot is that as long as your pet is older than 8 weeks than you can get coverage.
Pros
Lower cost
Multi pet discount
Optional wellness and exam coverage
Cons
No weekend customer service
- Pets Best
Compare Pets Best Plans Pets best is one of our favorite pet insurance options because it has great coverage and good customer service at a low price. This company has no lifetime limits and maximum payout options of $5,000 or unlimited. The deductible ranges from $50 to $1,000, which several choices and reimbursement rates are 70%, 80%, or 90%. There are multiple Customer Support options as wrong as e-filing and direct deposit options. However, claim processing is a little bit slower, averaging about 10 to 30 days to process.
Pros
No lifetime limits
Great price for coverage
Multiple customer support options
E-filing and direct deposit options
5% multi-pet discount
Cons
Slower claim processing
No alternative therapy coverage
- Trupanion
Compare Trupanion Plans Trupanion is a little bit more expensive than many companies when it comes to pet insurance, but it does have some perks. These include coverage from birth, a 24/7 customer service team, and a good customer service reputation. Their claims are processed very quickly, averaging only a two-day waiting period. They also have a wide range of deductible options, including a $0 option. Their reimbursements rate is set at 90%, and their payout is unlimited, which contributes to the higher price. They do have some exclusions and don’t cover exam fees or Wellness care.
Pros
Zero deductible option
Two-day average processing
Coverage available from birth
Some pre-existing condition coverage
Cons
Pets must enroll before 14 for illness coverage
Doesn’t cover exam fees or wellness care
- Embrace
Compare Embrace Plans Embrace Pet Insurance is a pricier plan, but you do get a lot of coverage for your dollar. This includes behavioral therapies, exam fees, dental illness coverage, and alternative therapies. It even covers curable pre-existing conditions after your pet is one year free from treatment.
Embrace offers a variety of options to help you customize your payment, with reimbursement rates ranging from 70%–90%, five maximum payout options starting at $5,000 and including unlimited payout, and deductible options ranging from $200 to $1,000. This lets you decide how much coverage you need. They also have an excellent reputation for customer service and process claims within five days on average.
Compare Spot Plans
Spot offers both accident only coverage or accident and illness coverage. It even covers illnesses that are common in pets like hip dysplasia and cancer. Spot also offers holistic therapy coverage like acupuncture which isn’t very common in the pet industry market. Above all one of our favorite things about Spot is that as long as your pet is older than 8 weeks than you can get coverage.
Lower cost
Multi pet discount
Optional wellness and exam coverage
- Lower cost
- Multi pet discount
- Optional wellness and exam coverage
No weekend customer service
- No weekend customer service
Compare Pets Best Plans
Pets best is one of our favorite pet insurance options because it has great coverage and good customer service at a low price. This company has no lifetime limits and maximum payout options of $5,000 or unlimited. The deductible ranges from $50 to $1,000, which several choices and reimbursement rates are 70%, 80%, or 90%. There are multiple Customer Support options as wrong as e-filing and direct deposit options. However, claim processing is a little bit slower, averaging about 10 to 30 days to process.
No lifetime limits
Great price for coverage
Multiple customer support options
E-filing and direct deposit options
5% multi-pet discount
- No lifetime limits
- Great price for coverage
- Multiple customer support options
- E-filing and direct deposit options
- 5% multi-pet discount
Slower claim processing
No alternative therapy coverage
- Slower claim processing
- No alternative therapy coverage
Compare Trupanion Plans
Trupanion is a little bit more expensive than many companies when it comes to pet insurance, but it does have some perks. These include coverage from birth, a 24/7 customer service team, and a good customer service reputation. Their claims are processed very quickly, averaging only a two-day waiting period. They also have a wide range of deductible options, including a $0 option. Their reimbursements rate is set at 90%, and their payout is unlimited, which contributes to the higher price. They do have some exclusions and don’t cover exam fees or Wellness care.
Zero deductible option
Two-day average processing
Coverage available from birth
Some pre-existing condition coverage
- Zero deductible option
- Two-day average processing
- Coverage available from birth
- Some pre-existing condition coverage
Pets must enroll before 14 for illness coverage
Doesn’t cover exam fees or wellness care
- Pets must enroll before 14 for illness coverage
- Doesn’t cover exam fees or wellness care
Compare Embrace Plans
Embrace Pet Insurance is a pricier plan, but you do get a lot of coverage for your dollar. This includes behavioral therapies, exam fees, dental illness coverage, and alternative therapies. It even covers curable pre-existing conditions after your pet is one year free from treatment.
Pros
Multi-pet discount of 10%
Five-day average processing
Lots of deductible, reimbursement, and payout options
Excellent coverage
Cons
Pricey
Pets must enroll before 14 for illness coverage
- Figo
Compare Figo Plans Despite its low price, Figo doesn’t skimp on coverage. This company covers most conditions, including curable pre-existing conditions after one year free of treatment. There is an extra fee for exams, and there are a few odd exclusions—for example, if one knee has been previously injured, neither knee will be covered. Reimbursement ranges from 70% to 100% and max payouts are at $5,000, $10,000, and unlimited. Deductibles range from $100 to $750. There is a 5% discount for enrolling multiple pets, and pets can be enrolled at any age. Figo is also known for good customer service and fast processing, with 50% of claims closed in 24 hours and claims averaging only three days.
Pros
Few exclusions
Covers curable existing conditions
No upper age limit
Fast (under three day) processing
Multi-pet discount
Cons
Exam fees require extra fee for coverage
A few odd exclusions
- AKC
Compare AKc Plans AKC pet insurance is the insurance company of the American Kennel Club. As such, it offers coverage for mixed breeds and purebred dogs but is most useful for purebred dogs, including breeds that often are not insured. Deductibles range from $100 to $1,000, with 70% to 90% coverage. The annual limit varies, with a limitless payment option available. There are some limits on coverage, with many types of hereditary conditions requiring extra fees for coverage and enrollment before your dog is two. Exam coverage, Wellness coverage, and some other coverage types must be purchased separately.
Pros
No vet records required to enroll
Claims paid within 7 days
Multi-pet discount
Cons
Hereditary conditions only covered if registered before 2 years old
Must purchase exam and some condition coverage separately
- Progressive
Compare Progressive Plans If Progressive pet insurance has coverage that looks familiar, that’s because Progressive offers pet insurance through Pets Best. That means that its customer service, claims processing, and coverage are all very similar to the standard Pets Best plans. However if you already have Progressive Insurance for something else in your life, it might be worth it to bundle your pet insurance through Progressive as well. Progressive has three basic plans, an Accident Only plan, an Accident and Illness plan, and an Accident, Illness & Wellness plan. We like the support that Progressive insurance through Pets Best gives but there aren’t many benefits to going through them instead of going to pets best directly.
Pros
Coverage through Pets Best with slightly different options
Three basic coverage levels
Great price for coverage
Multiple customer support options
E-filing and direct deposit options
Cons
Slower Claims Processing
No alternative therapy coverage
- Geico
Compare Geico Plans Geico pet insurance comes through Embrace pet insurance, so it doesn’t matter much which company you go through originally. Geico will give you a lot of coverage, but it will be at a higher price. There are a variety of options for reimbursement rates, maximum payout, and deductibles, which will help you control your price.
- USAA*
Compare USAA Plans USAA pet insurance policies are also administered by Embrace, without much of a difference in their policies. Reimbursement rates are 70%, 80%, or 90%. They offer a maximum annual payout ranging from $5,000 to Unlimited and deductibles as low as $200 and as high as $1,000. Their price varies very much depending on the rates that you choose. They have great customer service and excellent coverage but tend to be a little more expensive.
Pros
Multi-pet discount of 10%
Five-day average processing
Lots of deductible, reimbursement, and payout options
Excellent coverage
Cons
Pricy
Pets must enroll before 14 for illness coverage
- ASPCA
Compare ASPCA Plans ASPCA is harder to predict costs on, with many different coverage options. This includes accident-only coverage, accident and illness coverage, and an optional plan for wellness coverage. Their deductible is between $100 and $500, and their reimbursement rates are 70%, 80%, or 90%. Their maximum payout varies from $3,000 to $10,000. They do cover many things that other plans don’t, including behavioral therapies, alternative therapies, and exam fees.
Pros
Covers behavioral therapies
Covers exam fees
Covers alternative therapies
Optional wellness plan
Cons
Customers complained of low reimbursements
Slow processing
- Hartville
Compare Hartville Plans Hartville pet insurance is underwritten by the same company as the ASPCA and has very similar conditions. Like the ASPCA, Hartville has received customer complaints about giving low reimbursements and having poor customer service. It can be cheaper or more expensive depending on the coverage amount that you choose, with reimbursement varying from 70% to 90% , a maximum annual payout of up to $10,000, and a deductible between $100 and $500.
Pros
Symptom-free conditions may not be considered pre-existing
No upper age limit
Optional wellness plan
Covers behavioral therapies
Covers exam fees
Cons
Longer claim repayment
Complaints of low reimbursement rates
- Healthy Paws
Compare Healthy Paws Plans Healthy Paws has one of the fastest payouts of any pet insurance company. With an average of only two days to pay out they have an excellent reputation for customer service, but they do have restrictions on pets that are enrolled after age six. Deductibles range from 100 to 250 dollars. Reimbursement rates start at 50% and increase by 10% increments to 90%. Because of this, their price varies widely. They do have more limited coverage than some other brands, as they don’t cover many pre-existing conditions, behavioral therapies, alternative therapies, or exam fees. They also don’t have a wellness care plan available. Though we love their fast coverage, these restrictions place it a little lower on our list.
Pros
Lots of price and coverage points
2-day claim processing
Unlimited payout
Cons
Doesn’t cover behavioral or alternative therapies
Doesn’t cover exam fees
- Pumpkin
Compare Pumpkin Plans Pumpkin pet insurance is a new player in the insurance game, and because of this, it is hard to know how their customer service and coverage measures up. They offer a 90% coverage rate and several options for deductible and maximum annual payout amounts. Their online customer portal is easy to use, but their customer service team is only available Monday to Friday. They tend to be a little bit pricier than comparable insurance companies.
Pros
10% multi-pet discount
Optional wellness package
Easy online customer portal
Cons
Higher prices for many breeds
New company without strong history
No weekend customer service
- Nationwide
Compare Nationwide Plans Nationwide Pet Insurance is a lower price than many others, but its limited coverage places it low on our list. Its cutoff age of 10 years is lower than many competitors, and it has some significant exclusions, including all hereditary disorders, congenital anomalies, and curable pre-existing conditions. Behavioral therapies are only covered in some plans. It has a flat $250 deductible and payout amounts of between 50% and 90%. Limits are set per condition but there is no overall payout limit. If you have pets other than cats or dogs, though, you are in luck—Nationwide offers exotic pet coverage. It also averages only four days when processing claims.
Pros
Lower price
Covers exotic pets
Four-day claim processing
Cons
Pets must enroll before 10 years
Doesn’t cover hereditary or congenital disorders
Many customer complaints
- Bivvy
Compare Bivvy Plans Bivvy is another newer pet insurance company that has very low prices, but also a lower level of coverage. Their maximum annual coverage varies by state, and in Minnesota, it is only $2,000. They also have a lifetime maximum coverage that’s $25,000. They have an optional Wellness care add-on that covers preventative care. Because this company doesn’t have a long track record and has such a low maximum annual coverage, most owners will find that a different company gives them a better experience.
Pros
Covers most hereditary and congenital conditions
Low price
Pre-existing conditions without recent symptoms covered
Cons
Only $2,000 annual limit
$25,000 lifetime limit
Buyer’s Guide: Choosing the Right Pet Insurance Provider in Minnesota
What to Look for in Pet Insurance
Policy Coverage
Different pet insurers cover different conditions and treatment options, and there isn’t one right answer for what fits your needs. It is important to look at what coverage your dog is likely to use—this depends on age, breed, and other factors—as well as whether the extra coverage will be worth the cost. Be especially careful around preventative care and wellness plans, as often the added monthly expense is more than just paying for routine care out of pocket.
Multi-pet discount of 10%
Five-day average processing
Lots of deductible, reimbursement, and payout options
Excellent coverage
- Multi-pet discount of 10%
- Five-day average processing
- Lots of deductible, reimbursement, and payout options
- Excellent coverage
Pricey
Pets must enroll before 14 for illness coverage
- Pricey
- Pets must enroll before 14 for illness coverage
Compare Figo Plans
Despite its low price, Figo doesn’t skimp on coverage. This company covers most conditions, including curable pre-existing conditions after one year free of treatment. There is an extra fee for exams, and there are a few odd exclusions—for example, if one knee has been previously injured, neither knee will be covered. Reimbursement ranges from 70% to 100% and max payouts are at $5,000, $10,000, and unlimited. Deductibles range from $100 to $750. There is a 5% discount for enrolling multiple pets, and pets can be enrolled at any age. Figo is also known for good customer service and fast processing, with 50% of claims closed in 24 hours and claims averaging only three days.
Few exclusions
Covers curable existing conditions
No upper age limit
Fast (under three day) processing
Multi-pet discount
- Few exclusions
- Covers curable existing conditions
- No upper age limit
- Fast (under three day) processing
- Multi-pet discount
Exam fees require extra fee for coverage
A few odd exclusions
- Exam fees require extra fee for coverage
- A few odd exclusions
Compare AKc Plans
AKC pet insurance is the insurance company of the American Kennel Club. As such, it offers coverage for mixed breeds and purebred dogs but is most useful for purebred dogs, including breeds that often are not insured. Deductibles range from $100 to $1,000, with 70% to 90% coverage. The annual limit varies, with a limitless payment option available. There are some limits on coverage, with many types of hereditary conditions requiring extra fees for coverage and enrollment before your dog is two. Exam coverage, Wellness coverage, and some other coverage types must be purchased separately.
No vet records required to enroll
Claims paid within 7 days
Multi-pet discount
- No vet records required to enroll
- Claims paid within 7 days
- Multi-pet discount
Hereditary conditions only covered if registered before 2 years old
Must purchase exam and some condition coverage separately
- Hereditary conditions only covered if registered before 2 years old
- Must purchase exam and some condition coverage separately
Compare Progressive Plans
If Progressive pet insurance has coverage that looks familiar, that’s because Progressive offers pet insurance through Pets Best. That means that its customer service, claims processing, and coverage are all very similar to the standard Pets Best plans. However if you already have Progressive Insurance for something else in your life, it might be worth it to bundle your pet insurance through Progressive as well. Progressive has three basic plans, an Accident Only plan, an Accident and Illness plan, and an Accident, Illness & Wellness plan. We like the support that Progressive insurance through Pets Best gives but there aren’t many benefits to going through them instead of going to pets best directly.
Coverage through Pets Best with slightly different options
Three basic coverage levels
Great price for coverage
Multiple customer support options
E-filing and direct deposit options
- Coverage through Pets Best with slightly different options
- Three basic coverage levels
- Great price for coverage
- Multiple customer support options
- E-filing and direct deposit options
Slower Claims Processing
No alternative therapy coverage
- Slower Claims Processing
- No alternative therapy coverage
Compare Geico Plans
Geico pet insurance comes through Embrace pet insurance, so it doesn’t matter much which company you go through originally. Geico will give you a lot of coverage, but it will be at a higher price. There are a variety of options for reimbursement rates, maximum payout, and deductibles, which will help you control your price.
Compare USAA Plans
USAA pet insurance policies are also administered by Embrace, without much of a difference in their policies. Reimbursement rates are 70%, 80%, or 90%. They offer a maximum annual payout ranging from $5,000 to Unlimited and deductibles as low as $200 and as high as $1,000. Their price varies very much depending on the rates that you choose. They have great customer service and excellent coverage but tend to be a little more expensive.
Pricy
Pets must enroll before 14 for illness coverage
- Pricy
- Pets must enroll before 14 for illness coverage
Compare ASPCA Plans
ASPCA is harder to predict costs on, with many different coverage options. This includes accident-only coverage, accident and illness coverage, and an optional plan for wellness coverage. Their deductible is between $100 and $500, and their reimbursement rates are 70%, 80%, or 90%. Their maximum payout varies from $3,000 to $10,000. They do cover many things that other plans don’t, including behavioral therapies, alternative therapies, and exam fees.
Covers behavioral therapies
Covers exam fees
Covers alternative therapies
Optional wellness plan
- Covers behavioral therapies
- Covers exam fees
- Covers alternative therapies
- Optional wellness plan
Customers complained of low reimbursements
Slow processing
- Customers complained of low reimbursements
- Slow processing
Compare Hartville Plans
Hartville pet insurance is underwritten by the same company as the ASPCA and has very similar conditions. Like the ASPCA, Hartville has received customer complaints about giving low reimbursements and having poor customer service. It can be cheaper or more expensive depending on the coverage amount that you choose, with reimbursement varying from 70% to 90% , a maximum annual payout of up to $10,000, and a deductible between $100 and $500.
Symptom-free conditions may not be considered pre-existing
No upper age limit
Optional wellness plan
Covers behavioral therapies
Covers exam fees
- Symptom-free conditions may not be considered pre-existing
- No upper age limit
- Optional wellness plan
- Covers behavioral therapies
- Covers exam fees
Longer claim repayment
Complaints of low reimbursement rates
- Longer claim repayment
- Complaints of low reimbursement rates
Compare Healthy Paws Plans
Healthy Paws has one of the fastest payouts of any pet insurance company. With an average of only two days to pay out they have an excellent reputation for customer service, but they do have restrictions on pets that are enrolled after age six. Deductibles range from 100 to 250 dollars. Reimbursement rates start at 50% and increase by 10% increments to 90%. Because of this, their price varies widely. They do have more limited coverage than some other brands, as they don’t cover many pre-existing conditions, behavioral therapies, alternative therapies, or exam fees. They also don’t have a wellness care plan available. Though we love their fast coverage, these restrictions place it a little lower on our list.
Lots of price and coverage points
2-day claim processing
Unlimited payout
- Lots of price and coverage points
- 2-day claim processing
- Unlimited payout
Doesn’t cover behavioral or alternative therapies
Doesn’t cover exam fees
- Doesn’t cover behavioral or alternative therapies
- Doesn’t cover exam fees
Compare Pumpkin Plans
Pumpkin pet insurance is a new player in the insurance game, and because of this, it is hard to know how their customer service and coverage measures up. They offer a 90% coverage rate and several options for deductible and maximum annual payout amounts. Their online customer portal is easy to use, but their customer service team is only available Monday to Friday. They tend to be a little bit pricier than comparable insurance companies.
10% multi-pet discount
Optional wellness package
Easy online customer portal
- 10% multi-pet discount
- Optional wellness package
- Easy online customer portal
Higher prices for many breeds
New company without strong history
No weekend customer service
- Higher prices for many breeds
- New company without strong history
- No weekend customer service
Compare Nationwide Plans
Nationwide Pet Insurance is a lower price than many others, but its limited coverage places it low on our list. Its cutoff age of 10 years is lower than many competitors, and it has some significant exclusions, including all hereditary disorders, congenital anomalies, and curable pre-existing conditions. Behavioral therapies are only covered in some plans. It has a flat $250 deductible and payout amounts of between 50% and 90%. Limits are set per condition but there is no overall payout limit. If you have pets other than cats or dogs, though, you are in luck—Nationwide offers exotic pet coverage. It also averages only four days when processing claims.
Lower price
Covers exotic pets
Four-day claim processing
- Lower price
- Covers exotic pets
- Four-day claim processing
Pets must enroll before 10 years
Doesn’t cover hereditary or congenital disorders
Many customer complaints
- Pets must enroll before 10 years
- Doesn’t cover hereditary or congenital disorders
- Many customer complaints
Compare Bivvy Plans
Bivvy is another newer pet insurance company that has very low prices, but also a lower level of coverage. Their maximum annual coverage varies by state, and in Minnesota, it is only $2,000. They also have a lifetime maximum coverage that’s $25,000. They have an optional Wellness care add-on that covers preventative care. Because this company doesn’t have a long track record and has such a low maximum annual coverage, most owners will find that a different company gives them a better experience.
Covers most hereditary and congenital conditions
Low price
Pre-existing conditions without recent symptoms covered
- Covers most hereditary and congenital conditions
- Low price
- Pre-existing conditions without recent symptoms covered
Only $2,000 annual limit
$25,000 lifetime limit
- Only $2,000 annual limit
- $25,000 lifetime limit
Customer Service & Reputation
Although it’s important to look at a company’s customer service reputation, remember that online reviews may skew towards complaints and that no company will have a spotless reputation. That being said, if you see many reviews pointing out the same issue, it’s likely that the company has some shortcomings. Good insurance should make claims and repayment easy and free of hassle, so that you can get the coverage you need without a fight. It’s also important to check if Customer Service is available in your company. Can you reach them by phone, text, or email? Are they open nights and weekends? In an emergency, being able to talk to your insurance’s customer service is important.
Claim Repayment
Most pet insurance companies require you to initially pay the vet bills and then submit a claim to them for repayment. Repayment speed varies widely between companies, with some taking an average of only a few days to process while others need two weeks or more. Claim speeds are always average and some claims might take longer than others, but if you can’t afford to wait several paychecks without repayment, make sure to find a faster company.
Price Of Policy
Policy prices can vary depending on the coverage, deductible, maximum annual payout, and reimbursement rates. This might be as little as $10 a month or lower for accident-only coverage, or as high as a few hundred dollars a month. When comparing plans, consider what options you’re comfortable with and find plans that match your preferred coverage so that you are looking at similar plans when comparing prices.
Plan Customization
Some companies offer more or less customization than others, but most offer at least a few different options. You might see coverage add-ons that are available for an additional fee and change the monthly price of your plan. Many plans also let you customize your deductible and maximum payout to help you find a price that works for you. Some companies offer a fixed reimbursement rate, while others might give you two or three options.
What are Deductibles, Maximum Payouts, and Reimbursement Rates?
Pet insurance companies use deductibles, maximum annual payouts, and reimbursement rates to set out how much of a vet bill they cover. A deductible is the portion you pay first before insurance gives you any money back. This usually ranges from $100 to $1000, but a few companies are higher or lower. From there, you and the insurance company split the cost according to your reimbursement rate. The reimbursement rate is what the insurance company pays, and 70% to 90% is most common. This split until your insurance company reaches a maximum annual payout, after which you take on the rest of the bill. Maximum annual payouts are usually quite high and will rarely be reached. Some pet insurance companies also have a maximum lifetime payout.
How does my pet’s age affect insurance?
Most insurance companies offer insurance to pets starting at a few months old. Insurance is generally cheaper for younger pets. Although pets can stay in the same insurance plan as they age, many companies don’t allow older pets to start a new plan after they reach a certain age. Some insurance companies also cover fewer conditions in older dogs.
Are Wellness Plans and other Add-ons Worth It?
Many pet insurance plans include optional add-ons such as a Wellness Plan. These might cover more expensive treatment types or preventative care. When considering an add-on, look at whether your dog is likely to use the plan and how much it would cost to pay out of pocket. For many routine care plans, the added monthly cost is greater than just paying for the care yourself, making the plan less worthwhile.
Which Pet Insurance Provider Is Best For You?
Although there isn’t one perfect company, these reviews can give you a good starting point for finding the best insurance for your situation. We found Figo to be the best overall pet insurance company with great coverage, fast service, and lower-than-average prices. Pets Best was our favorite value option, as its plans often came out much cheaper than similar plans without losing out on coverage. Trupanion was our favorite premium choice—although it’s a little more expensive, this company has excellent coverage that can’t be beat.
Conclusion
With so many insurance companies out there, it’s hard to make the right choice. Even though our reviews couldn’t possibly cover all of them, these fifteen options are a great starting point to look at some of the available pet insurance options in Minnesota.
Featured Image Credit: visivastudio, Shutterstock
