The Best Pet Insurance Companies in Iowa (2024)

• Offers the most budget-friendly policy options
• Provides a 10% discount if you bundle a pet insurance policy with homeowners or renters insurance
• Has a short 48-hour waiting period for accident coverage to begin

Lemonade offers one accident-and-illness policy that covers vet costs related to illnesses and injuries, including diagnostic tests, hospitalization, surgery, emergency care and prescription medications. It does not cover elective procedures, behavioral treatments, spay or neuter surgery, cosmetic procedures or preexisting conditions, including those that show up before the end of the waiting period (two days for accidents and 14 days for illnesses).

Lemonade offers multiple add-ons to its base policy. The preventive care package is available at two levels, each covering wellness exams, up to three annual vaccines, a blood test, heartworm screening, and fecal or internal parasite tests. The more comprehensive of the two options adds flea and tick prevention and routine dental cleaning. Add-on packages are also available for dental illness, physical therapy, end-of-life services and vet visits for illness or injury diagnosis.

To give you an idea of Lemonade’s pricing, we obtained average monthly premiums for 4-year-old, mixed-breed dogs and cats in Cedar Rapids, Iowa, with various reimbursement rates, annual deductibles and coverage limits.

• Dogs: $12–$29 per month
• Cats: $11–$18 per month

Get a quote: Get a free pet insurance quote today by using Lemonade’s online tool.

• Offers an affordable accident-only plan
• Has 24/7 pet telehealth
• Provides customizable coverage plans

Spot offers both an accident-only and accident-and-illness plan. The accident-only plan covers your pet’s injuries, broken bones, swallowed objects and toxin ingestion, and the accident-and-illness plan also covers treatments for conditions such as cancer, diabetes, infections, hip dysplasia, heart disease and more.

Spot is our pick for the provider with the most customizable plans. Pet owners can choose from seven coverage limits, five deductibles and three reimbursement levels. Spot also covers exam fees and microchipping, which other providers do not usually include in their standard plans. In addition, Spot offers a preventive care add-on available at two levels, reimbursing up to $250 or $450 for routine care services, such as rabies vaccinations, dental cleanings and wellness exams.

Below are average monthly premiums from Spot based on 4-year-old, mixed-breed dogs and cats in Cedar Rapids, Iowa, with different reimbursement rates, deductibles and coverage limits:

• Dogs: $15–$117 per month
• Cats: $9–$71 per month

Get a quote: Get a free, customized quote for your pet by visiting Spot’s website.

• Reduces your deductible by $50 every year you don’t file a claim
• Donates to non-profit pet charities with every policy opened
• Offers a 5% discount for veterans and active military

Embrace has one accident-and-illness plan covering veterinary care related to both illnesses and injuries. Embrace also covers treatment for cancer, dental illness, breed-specific conditions, orthopedic conditions, chronic conditions and more.

Like all pet health insurance providers, Embrace does not cover preexisting conditions. However, Embrace will make an exception if it is a curable preexisting condition. For example, if a vet diagnosed your pet with a skin condition prior to enrollment, but they remain symptom- and treatment-free for one year, Embrace will cover the condition in the future.

Embrace offers a Wellness Reward plan at three reimbursement levels: $250, $450 or $650. It covers routine care procedures, such as wellness exams, vaccinations, flea, tick and heartworm prevention, grooming, microchipping and more.

Below are monthly premium averages from Embrace based on quotes for 4-year-old, mixed-breed dogs and cats in Cedar Rapids, Iowa, with varying deductibles, reimbursement levels and coverage limits:

• Dogs: $18–$53
• Cats: $11–$31

Note: Pets aged 15 years and older are only eligible for enrollment in Embrace’s accident-only policy.

Get a quote: Get a free insurance quote by filling out Embrace’s online form.

• Offers comprehensive dental care for all adult pets
• Covers holistic therapies and treatments in its standard plan
• Has multiple discount options

Fetch by The Dodo offers one accident-and-illness policy that covers standard disease and injury treatments, such as surgery, diagnostics and hospitalization. Fetch also uniquely covers sick-visit exam fees, behavioral therapy, alternative therapies, and dental trauma and injury in its base plan.

When purchasing a policy, pet owners can adjust their monthly premiums by choosing from Fetch’s multiple annual coverage limit, deductible and reimbursement rate options. Fetch does not offer wellness or preventive care add-ons.

During our quote analysis, we found that Fetch’s premiums for older pets are higher than its competitors’, which is something to keep in mind if you are looking for coverage for a senior pet. Below are monthly premium averages from Fetch based on 4-year-old, mixed-breed dogs and cats in Cedar Rapids, Iowa, with different reimbursement rates, annual deductibles and coverage limits:

• Dogs: $32–$70 per month
• Cats: $20–$40 per month

Get a quote: Check out Fetch’s free quote tool to “fetch” a free pet insurance quote.

• Processes most claims within 48 hours
• Has no incident, annual or lifetime coverage caps
• Donates to homeless pets’ medical care with every quote

Healthy Paws offers one standard accident-and-illness policy. It covers treatments and services for unexpected injuries or diseases, plus congenital, chronic and hereditary conditions. Additionally, Healthy Paws will cover holistic treatments — including chiropractic care, physical therapy, acupuncture and hydrotherapy — in its standard plan.

Healthy Paws offers two reimbursement levels of 70% or 80% and two deductible options of $250 or $500. If you are enrolling a pet that is aged six years or older, your deductible options increase and reimbursement rates decrease. There is no routine or wellness add-on with Healthy Paws.

Here are examples of monthly rates from Healthy Paws based on sample quotes for 4-year-old, mixed-breed dogs and cats in Cedar Rapids, Iowa, using different reimbursement rates and deductible options:

• Dogs: $34–$45
• Cats: $16–$21

Get a quote: Enter your pet’s information into Healthy Paws’ online form and get a free quote.

• Has 25+ years of experience in the pet insurance industry
• Offers extensive online resources for pet owners
• Has a mobile app with a local vet finder tool

ASPCA Pet Health Insurance provides pet owners with an Accident-Only Coverage plan and a Complete Coverage plan. The accident-only plan only covers unexpected injuries such as bite wounds, toxin ingestion, broken bones and torn ligaments. ASPCA’s Complete Coverage plan is comparable to an accident-and-illness plan and extends coverage to major and minor illnesses, such as cancer, arthritis and digestive problems; hereditary, congenital and chronic conditions; behavioral issues; alternative therapies; emergency care; microchipping and more.

Neither plan covers preexisting conditions, preventive care, cosmetic procedures or breeding expenses. Pet owners can purchase the Basic or Prime preventive care add-on, which covers up to $250 or $450 annually in services such as dental cleanings, routine wellness exams and vaccines.

We used ASPCA’s Pet Health Insurance online quote tool to compile average pet insurance premiums based on 4-year-old, mixed-breed dogs and cats in Cedar Rapids, Iowa, with varying deductibles and reimbursement levels:

• Dogs: $24–$82
• Cats: $14–$51

Get a quote: Visit ASPCA’s Pet Health Insurance website to get a pet insurance quote today.