Best Pet Insurance in Iowa: Top Companies & Plans (2023 Review)

by | 10/31/2022

Iowa is a wonderful place for animal lovers. It’s a haven for horseback riders and equestrian fanatics, and it has more pigs than any other place in the U.S. However, farm animals aren’t the only critters roaming the Hawkeye State. According to the AVMA’s 2018 report, Iowa was one of 10 states with higher-than-average cat ownership rates. 

Nearly 60% of Iowan households have furry family members, all needing top-notch healthcare. Vet costs are rising nationwide, which means you’ll pay more every time you visit the vet’s office. Pet insurance is the fast-growing tool to help pet owners cover expensive vet care and avoid financial stress in emergency situations. 


To give you an idea of what the best pet insurance is in Iowa, we’ve scoured the fine print of top provider policies and provided you with the scoop on the pros and cons of each. In fact, this article will review five of the top pet insurance companies up and running in Iowa. 

We’ll also answer the following questions to help you find the best coverage for your pet:

  • What are Iowa’s best pet insurance companies and plans?
  • How much does pet insurance cost? 
  • How does pet insurance work in Iowa?
  • How do I choose the right plan for my pet?

Continue reading to learn more about the following pet insurance providers so that you can choose the best one for your needs:


Best Iowa 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-
Lemonade Site Link 14 days for illnesses, 48 hours for accidents Yes 14 years old F
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 Iowa Reviews

We know it’s overwhelming to choose from the wide variety of pet health insurance companies on the market. You’re a busy pet parent and don’t have time to sift through endless pages of policy rules, exclusions, and prices. Therefore, we’ve done the heavy lifting and compiled reviews of Iowa’s best pet insurance companies. 

The providers below offer up a wide array of customizable plans and add-on packages, so you’ll get the most bang for your buck. You’ll also find that each allows you to personalize your pet insurance policy and rate to fit your unique budget needs.

Spot Pet Insurance

Spot offers three plans to help you cover your pet’s vet bills. It has an accident/illness plan, an accident-only plan, and two wellness package options. You can customize your base plan price by mixing and matching different deductibles, reimbursement rates, and annual payout limits.

An accident/illness plan costs around $30-$50 per month for dogs and $18-$25 per month for cats. These premiums are on the higher end of the price range, but Spot’s plans have great customizability and coverage to back them up.

Spot’s traditional pet insurance plan covers unexpected illnesses, injuries, behavioral issues, dental diseases, and other costs associated with diagnostics and treatments. 

Spot offers Gold and Platinum wellness care add-ons to help you cover routine vet costs. The Gold plan costs about $10 per month, and the Platinum plan costs about $25 per month, regardless of your pet’s species, breed, age, or location.

Spot’s plans are only for dogs and cats and don’t cover pre-existing conditions, waiting periods, diet pet foods, or boarding/daycare costs.

Spot doesn’t have upper age limits, so you can enroll your pet at any stage of life. However, it’s always best to enroll your pet as early as possible so that it has less time to develop any pre-existing conditions.


  • No upper age limits
  • Unlimited annual coverage option
  • 10% multi-pet discount


Lemonade Pet Insurance

Lemonade provides pet insurance at competitively affordable prices, with plans starting as low as $10 per month. The insurer also provides homeowners, car, renters, and life insurance so that you can cover all your insurance needs in one spot.

We like Lemonade’s hassle-free and user-friendly digital experience. You can contact customer support through the website and easily submit claims in Lemonade’s mobile app.

Lemonade’s accident/illness plan costs around $37 per month for dogs and $15 per month for cats. The plan covers diagnostic testing, treatments, procedures, and medications associated with your pet’s unexpected illnesses and injuries. Lemonade covers dental injuries but not dental illnesses.

You can help prevent your pet’s dental illness by purchasing one of Lemonade’s preventative care packages. These packages, including the Preventative and Preventative+ options, help you pay for wellness exams, parasite testing, blood work, flea/tick medications, vaccines, and routine dental care.

Depending on the wellness plan you choose, you’ll pay about $16-$24 extra per month for dogs and $10-$16 for cats. Lemonade offers another preventative care package designed for puppies and kittens. You’ll pay about $34-$44 per month and get extra coverage on wellness services to get your new buddy off on the right foot. 

Lemonade won’t cover pre-existing conditions, waiting periods, cosmetic procedures, behavioral training, breeding costs, or end-of-life expenses. It also doesn’t offer bird and exotic animal coverage, so only dogs and cats are eligible.


  • Affordable monthly prices
  • User-friendly website and mobile app
  • Preventative care plan for puppies and kittens


  • No dental illness coverage
  • No unlimited annual coverage option

ASPCA Pet Insurance

In addition to providing robust pet health coverage, ASPCA pet insurance partners with the American Society for the Prevention of Cruelty to Animals. If helping needy animals is a cause close to your heart, ASPCA and Healthy Paws are great contenders.

ASPCA is comparable to other providers when it comes to costs and coverage. ASPCA’s Complete Coverage plan costs about $49 per month for dogs and $29 per month for cats. If you enroll more than one pet, you’ll automatically get a 10% multi-pet discount.

The Complete Coverage plan covers exam fees, accidents, illnesses, hereditary conditions, alternative therapies, behavioral issues, chronic conditions, prescription medications, and microchipping. The microchipping coverage is a major plus because it helps you bring your pet home if it ever gets lost.

You can add one of ASPCA’s Basic or Prime preventative care packages to supplement your pet’s wellness needs. 

Depending on the package you choose, you’ll pay an extra $10-$25 a month for coverage on wellness exams, heartworm tests, fecal tests, blood work, vaccines, and more.

None of ASPCA’s plans cover your pet’s pre-existing conditions, cosmetic procedures, breeding costs, or waiting periods. Like the other providers we’ve discussed, ASPCA only provides pet insurance for dogs and cats.


  • No exam required for enrollment
  • Exam fees automatically covered
  • Includes microchipping coverage


  • Annual coverage capped at $10,000
  • $2 monthly transaction fee

Embrace Pet Insurance

Embrace pet insurance offers accident/illness coverage, three wellness plan options, and an exclusive diminishing deductible program. 

Embrace’s Healthy Pet Deductible reduces your deductible by $50 for every year you go without submitting a claim. If you go two straight years with no claims, you’ll have $100 off your next deductible. Along with Embrace’s wellness care packages, this program encourages you to keep your pet up-to-date on preventative care.

Embrace’s Wellness Rewards add-on reimburses you 100% up to your selected annual limit. You can choose from allowances of $250, $450, and $650 to cover a long list of wellness services such as:

  • Routine checkups
  • Parasite preventative medications
  • Microchipping
  • Spay/neuter procedures
  • Vaccinations
  • Massage and acupuncture therapies
  • Grooming
  • Fecal and blood tests
  • Routine chiropractic care
  • Dental cleaning
  • Nail trimming
  • Training classes

Wellness Rewards packages cost $19-$52 per month and help you budget for your pet’s complementary and routine care needs. Each plan will only save you about $25 per year.

Embrace’s accident/illness prices and coverage are comparable to other top providers. A plan costs around $30-$40 per month for dogs and $15-$20 per month for cats. Embrace covers unexpected accidents and illnesses, diagnostic testing, treatments, dental accidents and injuries, genetic conditions, scans, physical therapy, and more.

Embrace coverage excludes waiting periods and pre-existing conditions. Embrace’s pre-existing condition policy differs slightly from other providers; if your pet’s pre-existing condition is curable and has been asymptomatic for 12 consecutive months, Embrace might cover it.


  • Healthy Pet diminishing deductible program
  • Dental illness coverage
  • More flexible pre-existing condition policy


  • No unlimited annual coverage option
  • Wellness plan doesn’t help you save much money

Healthy Paws Pet Insurance

Along with insuring dogs and cats across the U.S., Healthy Paws is committed to supporting animal welfare efforts through its non-profit organization. The Healthy Paws Foundation has donated nearly $2 million to deserving animal rescues and shelters.

Healthy Paws’ dedication to charity is accompanied by solid pet insurance coverage at competitive monthly prices. Healthy Paws won’t cap your pet’s per-incident, annual, or lifetime payouts.

On average, a Healthy Paws plan costs $40 per month for dogs and $20 per month for cats. The provider doesn’t offer any add-on packages, so you’ll just pay for your pet’s accident/illness coverage.

A Healthy Paws plan covers diagnosis and treatment of your pet’s unexpected injuries and illnesses, as well as hereditary conditions, cancer, scans, surgery, emergency care, medications, and alternative treatments.

Healthy Paws will not cover birds and exotic animals, pre-existing conditions, waiting periods, exam fees, or preventative care services. This provider is good for pet parents who only want one simple accident/illness plan to cover unexpected veterinary expenses.

Note that Healthy Paws limits plan customizability by your pet’s age at enrollment. You’ll also have limited plan options with lower reimbursement rates and higher deductibles if you have an older pet.


  • Unlimited maximum payouts
  • Donates to animal welfare efforts


  • No option for wellness coverage
  • Exam fees not covered

How Does Pet Insurance Work in Iowa?

Pet insurance in Iowa operates on a reimbursement system. This means you’ll pay for veterinary services in full, submit a claim to your pet insurance provider, and then receive reimbursement if your claim is covered. 

This system is good because you can take your pet to any licensed veterinary clinic you like without having to worry about it denying your specific insurer. You’ll simply log in to your provider’s mobile app or online portal and submit a copy of your pet’s medical records and any itemized receipts from their vet appointments. If you don’t mind waiting a little longer for reimbursement, some providers accept submissions by fax or postal mail. 

Once a team member reviews your submission for a covered item, they’ll reimburse you based on your policy’s payout percentage.

How to Choose the Best Pet Insurance in Iowa for You

The first step in selecting the best pet insurance is choosing a veterinary provider for your pet. Taking your pet to a trusted and familiar friend will make any unexpected clinic visit less stressful for everyone. 

The next step is choosing a pet insurance plan that fits your pet and financial needs. Having trustworthy, solid coverage will allow you to worry about your pet’s health – not your finances – when an emergency strikes.

All the pet insurance providers we’ve discussed operate in Iowa, so you have some great options to choose from. When picking any pet insurance plan, you need to look at the types of coverage offered and any add-ons that could supplement your pet’s care. 

Below, we’ll answer some important questions about common plans and add-ons that pet parents have in Iowa.

What does an accident-only plan cover?

An accident-only pet insurance plan provides coverage on your pet’s unexpected injuries. Accident coverage is especially important in rural states like Iowa, where pets are more prone to mishaps like snake bites and broken bones. Accident-only plans can help you cover costs associated with treating these injuries, as well as other accidents like burns, falls, and poison or foreign object ingestion.

Why should I buy a pet wellness plan?

To keep it simple, wellness plans help you cover expected annual vet costs. Most wellness plans have per-item preventative care limits, meaning you can only use a certain allotment of your yearly benefit for individual services. Some preventative care plans can save you hundreds of dollars per year, while others merely help you budget.

You should buy a wellness plan if you need help budgeting or have a young pet that’s in and out of the clinic for checkups. Preventative care plans for your pet’s first year of life can help you save money and keep your fur baby’s health up to date.

Do I need exam fee coverage?

Like preventative care services, you can expect to pay for exam fees every year. Exam or office fees are the administrative costs tacked on to each of your veterinary bills. Many vets charge a flat fee for any office visit you complete, even if your pet isn’t diagnosed with or treated for anything. 

Providers like Healthy Paws don’t cover office fees because they aren’t unexpected. Other providers will charge a little extra each month for an optional exam fee add-on. Depending on how much your pet visits the vet, office fee coverage might be worthwhile. If your vet visits are few and far between, you might opt to waive add-on coverage and instead budget for expected costs.

How Much Does Pet Insurance Cost In Iowa?

On average, pet insurance in Iowa costs $30-$50 for dogs and $12-$20 for cats. While researching providers, keep in mind that Iowa’s monthly pet insurance premiums vary by ZIP code.

For example, Embrace’s average price for a 4-year-old mixed-breed dog in Des Moines costs $37 per month. Move over to Davenport, and that same plan costs $45 per month.

If you’re curious about how Iowa’s pet insurance costs vary between providers, take a look at some sample quotes. These prices reflect average monthly costs for a 3-year-old Labrador Retriever and Domestic Mediumhair cat living in Cedar Rapids, Iowa.

Provider Sample Monthly Cost For Dogs Sample Monthly Cost For Cats Sample Monthly Wellness Cost
Spot $41 $15 $10-$25
Lemonade $28 $12 $16-$24 for dogs

$10-$16 for cats

Embrace $40 $15 $19-$52
Healthy Paws $54 $17 No wellness option
ASPCA $54 $20 $10-$25

Final Thoughts

You should never have to choose between your finances and your pet’s health. Luckily, pet insurance can provide you the peace of mind and confidence to handle any unexpected vet visits, no matter the cost. You can choose from customizable monthly prices and coverage levels to achieve a plan that fits your unique needs. 

If you’re like us, you agree that making the right choice for your pet’s veterinary care is absolutely crucial. We hope this review of top pet insurance providers makes your decision-making process easier and more informed. With the right plan, your pet is sure to be happy in Davenport, Sioux City, and everywhere in between. 

Information for Pet Owners in Iowa 

Iowa isn’t just the U.S.A.’s leading ethanol producer and the birthplace of sliced bread; it’s also the home of over 80 state parks and endless outdoor recreation opportunities for you and your pet to enjoy. Whether you and your fur baby need a fun getaway or support during hard times, Iowa’s got you covered. 

Here are some animal laws, pet-friendly attractions, and pet owner resources to help you learn your way around the Hawkeye State.

Iowa Pet Laws

Iowa’s pet laws are designed to maintain safe communities and responsible pet ownership. 

In Iowa, you must keep your pets leashed at all times unless in a designated off-leash area. If another animal bites you or your pet, you can report the attack to your area’s law enforcement or health department.

Unleashed pets aren’t the only things that bite. Some of Iowa’s wild animals, like skunks and bats, can spread rabies to your pet. State law requires you to vaccinate your pet against rabies to keep your pet and fellow community members safe.

It is illegal to abandon your pet in Iowa. If you’re unable to care for your pet, you must find it a new home or surrender it to an established shelter.

Fun Things to Do With Your Pet in IA

Iowa boasts a long list of beautiful natural resources for you and your pet to enjoy. Dog and cat owners can bring their pets along on a hiking or camping trip, and horse owners can take a scenic ride through one of Iowa’s many equestrian trails. 

The state is bursting at the seams with pet-friendly businesses. You can visit some of your favorite breweries, restaurants, and stores with your furry friend in tow.

One of these fur-friendly locations is Lefty’s Live Music, a concert venue and full-service bar in Des Moines, Iowa. Named after the owner’s dog Lefty, the venue is a great place to enjoy live music, local brews, snacks, and – of course – the company of fellow dog-lovers. Remember to bring along some canine ear protection to keep your dog’s ears safe while it enjoys the show.

Iowa Pet Resources

The Pet Project Midwest (TPPM) is a non-profit organization dedicated to serving people and pets in the Greater Des Moines Metro area. TPPM operates a Pet Pantry and Meals on Wheels program to remove financial stress from disabled and underserved community members. 

TPPM also operates Iowa Pet Alert, which helps people find their lost pets and report found pets. Iowa Pet Alert operates through a state-wide network of animal organizations and volunteers that work together to reunite pet parents with their beloved animals. Since its establishment in 2009, the non-profit has reunited thousands of families and pets.

It’s illegal to abandon your pet in Iowa, even if you are in financial hardship. If surrendering your pet is your best or only option, you can contact the Iowa City Animal Care and Adoption Center. The organization partners with Home to Home to keep animals out of shelters and send them directly to new families.

Frequently Asked Questions About Pet Insurance in Iowa

How do I get reimbursed for a vet bill?

Simply take your cat to any licensed veterinarian and submit your claim. Depending on your provider, you can submit your claim through its mobile app, online member center, or through the mail. Then, you’ll wait for your provider to approve the claim. Once approved, it will reimburse you for the allocated amount in your pet insurance policy through direct deposit or check.

What is Pet Insurance? 

Pet insurance is health insurance for your pet that reimburses you for part of your pet’s vet bills based on your specific plan’s coverage. Unlike human insurance, pet insurance providers do not pay for your pet’s medical bill at the vet clinic or animal hospital. Instead, your pet insurance provider will reimburse you directly after you’ve submitted your claim. Most pet insurance plans will reimburse you for between 50 to 90% of the total vet bill. This means that you’ll pay out of pocket for your dog or cat’s medical bill at the time of the visit, then submit your claim to your pet insurance provider, which will then reimburse you for the cost up to your plan’s reimbursement rate.

How much does pet insurance cost? 

Pet insurance costs will vary based on your pet insurance provider, location, your pet’s breed, your pet’s age, and more. Other factors that will influence the cost of pet insurance include the type of plan you choose, especially if the plan has extensive coverage and if you opt for preventative care add-ons. The more coverage your plan has, the higher the cost is likely to be. 

To give you a general idea of pet insurance costs, we’ve researched the following numbers for you. Currently, most dog insurance plans cost $28 per month on average, and cat insurance plans can cost as little as $11 per month. Depending on the plan, you can expect to pay anywhere from $10 per month to $90 per month in most cases.

Our Methodology

​​Here at 365 Pet Insurance, our research team looks to examine all pet insurance policies and comes up with reviews based on:

  • Coverage
  • Plan options
  • Cost 
  • Reputation
  • Customer service 
  • Species available
  • Wellness benefits 

We’ve created a 5-star rating system to score pet insurance brands based on a 100-point scale. To develop a list of the best pet insurance plans, we looked into plans, rating coverage, claims handling, reimbursements, deductibles, and limitations. 

Each factor is weighted differently based on the following factors:

  • Monthly Pricing (25 points): How each pet insurance company charges for their plans is a crucial part of the decision-making process of the customer. Affordable rates and comprehensive coverage are the defining characteristics of providing the best pet insurance.
  • Coverage (20 points): We scored companies based on the treatments and procedures they cover. Providers offering broader coverage and more unique treatments received more points.  Pet insurance policies are not offered by all companies for older pets. Providers who have an age limit on the pets they cover were deducted points.
  • Plans (15 points): Pet insurance providers offer accident-and-illness plans, accident-only plans, wellness add-ons, and pet preventive care add-ons, so customers can choose the right plan for their pets. We also factored in costs to achieve the most comprehensible review for your pet’s needs.
  • Customization Options (10 points): You can ensure your pet only gets what they need by customizing your policy. A higher score was earned by providers who offered a greater range of annual limits, deductibles, and reimbursement rates.
  • Customer Service (10 points): We scored companies based on their website accessibility and usability, mobile apps, and grating points to companies with the most customer experience options.
  • Industry Reputation (10 points): We assessed each company’s industry reputation by reviewing up-to-date BBB ratings and accreditation information, as well as their years of experience in the industry.
  • Waiting Periods (10 points): Companies with shorter accident and illness waiting periods scored higher than companies with longer waiting periods.

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.