Best Pet Insurance In Idaho: Top Companies & Plans (2022 Review)

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Idaho, also known as the Gem State, is a natural haven filled with scenic mountain views and sparkling lakes. The Gem State is also brimming with pet-owning households – over 450,000, to be exact. 

As an Idahoan pet parent, you know your pet is a gem. It deserves the best veterinary care possible, no matter the expense. We know the decision to pay for pricey treatments isn’t always easy – especially when you’re juggling the stress and heartbreak of an injured or sick pet.

Pet insurance can help ease the financial and emotional stress of emergency vet visits. You’ll get coverage on your pet’s treatments, so you won’t have to choose between your budget and top-notch veterinary care. 

We’ve compiled a list of great coverage options for pet insurance in Idaho. In the following sections, we’ll break down top providers to help you understand:

  • Plan highlights
  • What is and isn’t covered
  • Plan and add-on costs
  • Pros and cons

Best Overall

ASPCA Logo

OUR RATING: 4.9

Best for Deductibles

Embrace Pet Insurance Logo

OUR RATING: 4.7

Best for Chronic Conditions

Healthy Paws Pet Insurance

OUR RATING: 4.6

Best Idaho Pet Insurance Companies & Plans

Provider

Visit Site

Waiting Period* 

Money-back Guarantee

Maximum Enroll Age

BBB Rating

Spot

Site Link

14 days

Yes

No age limit

A-

Embrace

Site Link

14 days for illnesses, 48 hours for accidents

Yes

14 years old

A+

Healthy Paws

Site Link

15 days

Yes

14 years old

A-

ASPCA

Site Link

15 days

Yes

No age limit

N/A

Pet Insurance Companies in Idaho Reviews

There’s a lot to consider when purchasing any insurance policy. Pet insurance is no different, and it comes with a lot of confusing terminology and policy rules that can seem impossible to understand. Luckily, we’ve done the heavy lifting and sifted through some top providers and each pet insurance policy to help you find the best one for your pet.

While you’re reading, keep an eye out for features like plan customizability, add-on packages, and coverage inclusions that will benefit your pet and your budget.

Spot

Spot offers accident/illness and accident-only plans for all of your pet’s unexpected vet visits. Spot doesn’t enforce upper age limits, so you can enroll your pet no matter how old it is.

We like Spot’s comprehensive wellness packages, which reimburse you for your pet’s routine and preventative care services. You can purchase a Gold or Platinum preventative care package for coverage of dental cleanings, checkups, flea/heartworm prevention, vaccinations, blood work, and more. You’ll pay around $10-$25 per month for $250-$450 in wellness reimbursements, depending on the package you choose.

We recommend purchasing a wellness plan to keep your pet healthy and supplement your accident/illness coverage.

Spot’s accident/illness coverage costs around $30-$50 per month for dogs and $18-$25 per month for cats. Spot offers a high level of customizability so you can fit your plan to your budget and coverage needs. Spot also provides an unlimited annual payout option so that you can get the most out of your pet’s insurance.

What’s Covered

What’s Not Covered

  • Accidents and illnesses
  • Hereditary conditions
  • Congenital conditions
  • Behavioral issues
  • Alternative therapy
  • End-of-life expenses
  • MRIs, CT scans, and X-rays
  • Prescription medications
  • Surgery
  • Hospitalization
  • Cancer treatment
  • Pre-existing conditions
  • Elective or cosmetic procedures
  • Exam and office fees
  • Prescription pet food
  • Birds and exotic animals
  • Preventative care (without an add-on)

Pros:

  • Microchip implantation coverage
  • Unlimited annual payout option
  • No upper age limit

Cons:

  • 14-day waiting period for accidents
  • No prescription pet food coverage

For more information, read our Spot pet insurance review.

Embrace

Embrace pet insurance provides accident/illness coverage for your pet’s unexpected vet visits.

An Embrace accident/illness policy costs around $30-$40 per month for dogs and $15-$20 for cats. By mixing and matching Embrace’s reimbursement rates, annual limits, and deductibles, you can customize your monthly rate.

We like Embrace’s Healthy Pet Deductible program, which subtracts $50 from your deductible for every year you go without submitting a claim.

No pet insurance provider covers pre-existing conditions, and Embrace is no exception. However, Embrace only looks at the past 12 months of your pet’s medical history when determining pre-existing conditions. If a condition was cured or has been asymptomatic for at least a year before your policy starts, Embrace might cover it.

What’s Covered

What’s Not Covered

  • Exam and consultation fees
  • Dental illnesses
  • Breed-specific and congenital conditions
  • Cancer
  • Chronic conditions
  • Preventable conditions
  • Orthopedic conditions
  • Complementary therapy and rehabilitation
  • Emergency care
  • Hospitalization and surgery
  • Specialist care
  • Diagnostic testing
  • Prescription medications
  • Pre-existing conditions
  • Breeding costs
  • DNA testing 
  • Cosmetic procedures
  • Routine care (without a wellness add-on*)
  • Birds and exotic pets

*Embrace’s wellness packages cost $19-$52 per month and reimburse up to $250-$650 in yearly wellness fees. This wellness package is designed to help you budget for routine costs and only saves you about $25 per year. Wellness coverage includes items such as routine checkups, vaccinations, parasite preventatives, spay/neuter procedures, microchipping, fecal testing, and routine blood work.

Pros:

  • Healthy Pet Deductible program
  • Wellness Rewards Program for routine care
  • Quick reimbursement turnaround

Cons:

  • Upper age limits on accident/illness plans
  • No unlimited annual benefit option

To learn more, take a look at our Embrace pet insurance review.

Healthy Paws

Healthy Paws Pet Insurance and Foundation is dedicated to providing easy-to-understand pet insurance coverage while supporting animal welfare causes. The foundation has donated nearly $2 million to rescue groups to build connections “between pet advocates and their community.”

Healthy Paws is a good option for younger pets. No matter what reimbursement rate and deductible you choose, your Healthy Paws plan will always have an unlimited per-incident, annual, and lifetime benefit cap to help you cover high vet bills.

However, we suggest enrolling your pet as early as possible because this insurance agency limits coverage and plan customizability based on your pet’s age.

Healthy Paws pet insurance typically costs around $40 per month for dogs and $20 per month for cats. You’ll pay a one-time enrollment fee of $25 when you first sign up. After that, you’ll just pay for monthly premiums, as Healthy Paws doesn’t offer any add-on packages.

We recommend Healthy Paws to pet parents who want one comprehensive accident/illness plan to cover their pets’ unexpected veterinary bills. This provider isn’t the best choice for wellness care reimbursements or coverage for an elderly pet.

What’s Covered

What’s Not Covered

  • Accidents
  • Hereditary conditions
  • Congenital conditions
  • Chronic conditions
  • Cancer
  • Diagnostic treatment
  • X-Rays, blood tests, and ultrasounds
  • Surgery
  • Hospitalization
  • Prescription medications
  • Emergency care
  • Specialty care
  • Alternative treatment
  • Birds and exotic animals
  • Pre-existing conditions
  • Incidents during waiting periods
  • Exam, office, or consultation fees
  • Behavioral training
  • Elective or cosmetic procedures
  • Preventative care

Pros:

  • Unlimited payout on all plans
  • Covers breed-specific conditions
  • Donates to animal welfare causes

Cons:

  • Coverage and customization limited by age
  • No wellness package add-on
  • No exam fee coverage

Read our Healthy Paws pet insurance review for more information.

ASPCA

As a partner of the American Society for the Prevention of Cruelty to Animals, ASPCA pet insurance is dedicated to creating a better world for our furry friends.

We like that ASPCA automatically covers microchip implantation to help us bring our pets home if they get lost. ASPCA also covers exam fees, which many other providers charge extra for or don’t cover at all.

On average, ASPCA charges around $50 per month for dog insurance and $30 per month for cat insurance. You can customize your reimbursement percentage, annual deductible, and annual coverage limit to build a plan – and monthly cost – that fits your needs.

ASPCA’s accident/illness plan covers a comprehensive list of items, including diagnostic testing and treatments for your pet’s unexpected injuries and illnesses.

What’s Covered

What’s Not Covered

  • Accidents
  • Illnesses
  • Dental disease
  • Hereditary conditions
  • Congenital conditions
  • Behavioral issues
  • Alternative therapies
  • Prescription medications
  • Prescription food and supplements
  • Chemotherapy and stem-cell therapy
  • Microchip implantation
  • Pre-existing conditions
  • Cosmetic procedures
  • Breeding costs
  • Preventive care (without a wellness package*)
  • Birds and exotic animals

*You can purchase a wellness plan add-on for coverage of your pet’s routine preventative care needs. Depending on the package you choose, you’ll pay $10-$25 per month for $250-$450 in reimbursements on services like dental cleanings, wellness exams, vaccinations, parasite tests, and more.

Pros:

  • Automatically covers exam fees
  • Microchip implantation coverage
  • 24/7 helpline available

Cons:

  • Maximum coverage cap of $10,000
  • Longer reimbursement turnarounds

Check out our ASPCA pet insurance review to learn more.

How Does Pet Insurance Work in Idaho?

Pet insurance in Idaho doesn’t operate through networks. This means you can take your pet to any licensed vet and not have to worry about them rejecting your specific insurance provider. 

Unlike human health insurance, pet health insurance operates on a reimbursement system. Reimbursement systems are great because you can take your pet to any clinic. 

You’ll pay for veterinary services in full while you’re at the vet’s office. Since you must pay upfront, make sure you have some money saved in case of an emergency.

Once your pet has gotten the best care possible, you can use the itemized invoice from the visit to file a claim. The provider will process your claim and send a check by mail or directly deposit your reimbursement into your bank account.

How to Choose the Best Pet Insurance in Idaho for You

Many providers offer an accident/illness plan, an accident-only plan, and some type of wellness add-on. You might be struggling to choose between options because they all seem to provide the same thing. If this is the case for you, we recommend looking at how each provider’s level of customizability can affect your coverage and monthly price.

To choose the best pet insurance in Idaho for your specific needs, you’ll need to find a balance between your budget and how much coverage your pet ideally needs. If your pet is accident-prone or has frequent health issues, you’ll want a plan with lower deductibles, higher reimbursement rates, and a high annual payout limit. A plan like this will cost more per month but will be worth it in the event of a costly emergency.

If you purchase pet insurance as a budgeting tool and your pet doesn’t typically need a lot of veterinary care, a high deductible/low annual limit plan might suffice. You’ll pay less in monthly premiums and have a small financial cushion in the event your pet needs care. 

When comparing plans and costs, you can get a quote online from any top provider. You’ll be able to select different rates and see how they affect your price.

When it comes to customizability, Spot is a great option. Let’s look at how different rate combinations personalize your coverage and monthly cost.

Coverage Rates

Average Monthly Premium

Annual limit – $2,500

Reimbursement rate – 70%

Annual deductible – $1,000

$16

Annual limit – $3,000

Reimbursement rate – 90%

Annual deductible – $500

$23

Annual limit – $10,000

Reimbursement rate – 80%

Annual deductible – $250

$34

Annual limit – Unlimited

Reimbursement rate – 70%

Annual deductible – $100

$50

Annual limit – Unlimited

Reimbursement rate – 90%

Annual deductible – $100

$62

As you can see, plan customization has a huge effect on how much you’ll pay per month – but more importantly, on how much coverage you’ll get. The next section will get into average pet insurance costs in Idaho based on your pet’s age and location.

How Much Does Pet Insurance Cost In Idaho?

On average, pet insurance in Idaho costs $40-$60 per month for dogs and $20-$40 per month for cats. Your pet insurance premium will vary by your pet’s species, age, and ZIP code in Idaho.

We used Spot’s online quote generator to build a plan for a 1-year-old Maltese. We selected an unlimited annual payout cap, 80% reimbursement rate, and $250 deductible. 

A plan for this dog costs the same in Meridian and Nampa, Idaho, averaging at $56 per month in both cities. If that same dog were to live in Coeur d’Alene, Idaho, its monthly quote would be $65.

Your pet’s age at enrollment has a large effect on your price. If the Maltese in Coeur d’Alene were 5 years old instead of one, its monthly quote shoots from $65 to $77.

To give you a better idea of prices, we’ve compiled some sample pet insurance quotes* for a 3-year-old Pug and Maine Coon living in Boise, Idaho.

Provider

Sample Monthly Cost For Dogs

Sample Monthly Cost For Cats

Sample Monthly Wellness Cost

Spot

$51

$32

$10-$25

Embrace

$43

$34

$19-$52

Healthy Paws

$47

$31

No wellness option

ASPCA

$41

$22

$10-$25

*We selected 80% reimbursement rates, $500 deductibles, and $5,000 annual limits, when applicable.

Final Thoughts

We know choosing a pet insurance plan can be tough, especially when so many options are on the market. We hope this article helps you find the best pet insurance in Idaho to fit your budget and pet care needs.

The right plan will provide you peace of mind knowing you can handle any unexpected veterinary emergency that comes your way. When comparing providers, consider factors like plan customization, monthly costs, coverage exclusions, and add-on package availability. These factors empower you to choose a plan that benefits your lifestyle and your pet’s health needs.

With the right pet health insurance plan, you’ll never have to choose between your finances and your pet. Your best friend will be covered all the way from Bonners Ferry down to Burley.

Information for Pet Owners in Idaho 

Idaho is famous for its potatoes and precious stones, but it has a lot more to offer – especially to pet parents. The state boasts a long list of natural resources, scenic landscapes, and state parks for you and your family to explore. 

Many of Idaho’s attractions also welcome furry family members, so no one has to miss out on the fun. While exploring Idaho, make sure to follow local and statewide pet laws to ensure the safety of your pet and fellow Idahoans. We’ve also noted a few pet owner resources in case you need a helping hand. 

Idaho Pet Laws

Pet laws keep animals and people safe and promote responsible pet ownership. Here are a few of Idaho’s pet laws:

  • You must have your dog licensed in your municipality; licensing shows that your pet is vaccinated against rabies and whether it is spayed/neutered.
  • If you leave your pet in the care of a veterinarian for treatment or boarding and fail to pick your pet up within 10 days past the pick-up date, the vet has the right to turn your pet over to a pound.
  • Animal cruelty is illegal in Idaho and punishable by up to six months in jail; cruelty includes leaving your pet in a hot car.
  • Idaho doesn’t currently have a statewide leash law, so check with your local government.

Fun Things to Do With Your Pet in ID

With hundreds of hiking trails to explore, Idaho is the perfect location for active and nature-loving pet parents. Your dog or cat will enjoy tagging along while you explore the many treasures of the Gem State.

Idaho is a great destination for equestrian enthusiasts who can enjoy miles of stunning trails designed specifically for horseback riding. After a day of saddling up, your hooved companion will be happy to stop and rest in one of Idaho’s horse-friendly campgrounds.

Sightseeing pet owners visiting Idaho’s Craters of the Moon National Monument and Preserve can stay at the Craters of the Moon campground in Arco, Idaho. The campground comes complete with a 24-hour laundry facility, volleyball court, and K9 Pet Playground.

Lake Coeur d’Alene Cruises are a fantastic way to enjoy Idaho’s sparkling waters. Well-behaved pets are welcome on the boat tours as long as they’re on a leash or in a crate or stroller. 

Idaho Pet Resources

The Idaho Humane Society (IHS) provides several resources for underserved communities and financially struggling pet owners. The Idaho Humane Society’s Pet Food Pantry provides pet food to homebound seniors, shelter animals in IHS foster homes, and other animal welfare organizations in the area.

The IHS also offers pet behavior resources to assist owners in training their pets. The classes are designed to help you manage your dog in various environments and situations, leading to a more enjoyable companionship.

Spay Neuter Idaho Pets, Inc. (SNIP) is a nonprofit organization focused on providing affordable spay/neuter services. Spay/neuter programs are important because they reduce pet overpopulation and disease risk. 

Located in Meridian, Idaho, SNIP performs surgical sterilization procedures for $155-$240. The organization also provides vaccinations, microchipping, nail trimming, and more.

Our Methodology

The 365 Pet Insurance research team looks at all pet insurance policies and comes up with our reviews based on coverage, plan options, cost, reputation, customer service, and species eligibility. We’ve also created a rating system to score pet insurance brands.

We’ve consulted with pet experts and dug into plans to develop what we think are the best overall plans, complete with ratings on coverage, how they handle claims, reimbursements, deductibles, limits, and more.

To make our list, pet insurance companies must have:

  • A variety of plan options
  • Affordable monthly rates

Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.