The Best Pet Insurance Companies in Idaho (2024)

• Offers VetConnect, a 24/7 vet helpline, to all policyholders
• Has seven annual coverage cap options, which is more than most competitors
• Provides accident-only, accident-and-illness and two preventive care plans

Spot’s accident-only plan covers vet expenses related to accidental injuries such as fractures. The accident-and-illness plan offers from $2,500 up to unlimited annual benefits that apply to various accidents and illnesses.

Commonly covered conditions include diabetes, cancer, behavioral problems and hip dysplasia. Spot’s exclusions include preexisting health conditions, elective procedures, breeding and pregnancy-related costs.

Spot’s wellness care rider covers routine care costs for annual checkups, vaccinations and other preventive care measures. At around $10 per month, the Gold Plan offers $250 of annual coverage. At $25 per month, the Platinum plan provides $450 of coverage per year.

The monthly premiums below are based on quotes we got for 4-year-old mixed dogs and cats in Boise, Idaho, with numerous coverage limits, deductibles and reimbursement rates:

• Dogs: $16–$138 per month
• Cats: $9–$86 per month

• Has a 5% military discount, which most companies don’t offer
• Offers a Healthy Pet Deductible that lowers your deductible by $50 each year you’re claim-free
• Donates to charities such as the Humane Society each time someone purchases a policy

Embrace provides accident-and-illness coverage and a wellness plan. Its standard pet insurance plan offers $5,000–$30,000 of annual coverage for treatments like surgery or rehab for accidents and illnesses. Like other providers, it excludes preexisting conditions, cosmetic and elective procedures and pregnancy or breeding costs.

The Wellness Rewards plan reimburses pet parents for routine health costs such as grooming, heartworm tests and vaccines. Embrace offers total reimbursement for approved claims up to $250, $450 or $650 per year, depending on your election.

Here’s a range of prices based on quotes we pulled for 4-year-old, mixed-breed pets in Boise, Idaho, with different coverage limits, reimbursement amounts and deductibles:

• Dogs: $13–$52 per month
• Cats: $8–$31 per month

• Reimburses claims from all licensed vets in Canada and the United States
• Has extensive comparison tools to help you make an informed decision
• Offers holistic coverage for acupuncture, chiropractic care and hydrotherapy

Fetch’s accident-and-illness plan covers hospitalization, testing, procedures, treatments and vet visit fees for hereditary and chronic conditions, behavioral disorders, cancer, broken bones and more. It doesn’t cover elective procedures, breeding costs, preexisting conditions and routine care costs to maintain your pet’s good health.

Fetch’s standard plan also covers pet boarding costs when you’re hospitalized for four days or longer, vacation cancellation fees resulting from a pet’s covered accident or illness and reward and advertising money for missing pets. The company also covers the bill for your pet’s sick visits, while many companies do not.

We gathered a range of Fetch quotes for 4-year-old, mixed-breed dogs and cats in Boise, Idaho, with various annual coverage caps, deductibles and reimbursement levels:

• Dogs: $17–$120 per month
• Cats: $9–$75 per month

• Offers unlimited per-incident, annual and lifetime coverage
• Provides some of the lowest rates in the industry for unlimited coverage
• Has a 30-day money-back guarantee

Healthy Paws has just one plan that covers accidents and illnesses. It provides limitless coverage for your pet’s treatments, diagnostics, procedures and care for accidents and illnesses such as toxic ingestion or cataracts. Like other providers, it excludes preexisting conditions, spaying and neutering, elective procedures and preventive care. Additionally, it doesn’t cover hip dysplasia within the first 12 months of coverage.

The rates below are based on sample Healthy Paws quotes for 4-year-old, mixed-breed dogs and cats in Boise, Idaho:

• Dogs: $39–$51 per month
• Cats: $18–$24 per month

• Provides 100% reimbursement, while most providers offer a max of 90%
• Has three customizable accident and illness plans to match your budget
• Offers a streamlined Pet Cloud app with vet appointment reminders, local resources and telehealth services

Figo offers three levels of accident and illness coverage. Each plan covers diagnostics, treatments, surgery and rehab related to covered accidents and illnesses such as allergies, hip dysplasia, cancer or general sickness.

Here’s a look at each plan’s coverage limits:

• Essential plan: Provides $5,000 of annual coverage for accidents and illnesses
• Preferred plan: Increases coverage limit to $10,000
• Ultimate plan: Has no coverage cap

Figo also has optional add-ons for routine care and vet visit fees.

To help you compare Figo’s rates, we gathered sample quotes for 4-year-old, mixed-breed dogs and cats in Boise, Idaho:

• Dogs: $10–$43
• Cats: $7–$30