The Best Pet Insurance Companies in Utah (2024)

Lemonade offers a basic pet insurance plan that customers can customize to avoid paying for coverage they do not need. Affordable rates and a quick claims process make Lemonade a standout choice for Utah pet owners. We rated Lemonde 4.8 out of 5 stars.

Lemonade’s accident and illness plan comes with a considerable amount of flexibility. Notably, you can opt for a plan with up to 90% reimbursement of qualified veterinary expenses. You can also add coverage for prescription pet food and choose from two preventative package options.

Affordability is at the core of Lemonade’s offering — and we’ve found it is generally the cheapest plan for dogs. Discounts can lower prices even further. If you enroll multiple pets, for example, you can save up to 5% on coverage.

While Lemonade’s policy covers accidents and illnesses with no age limits, its standard coverage is less extensive than competitors. For example, coverage for behavioral conditions and physical therapy requires an add-on, compared to other providers that cover these costs at no extra cost.

Based on the quotes we gathered, the average price of a Lemonade pet insurance policy is $22 per month. To find the average cost of pet insurance plans, we collected sample quotes based on four types of pets: a 5-year-old medium, mixed-breed dog, a 2-year-old golden retriever, a 5-year-old mixed-breed cat and a 2-year-old Siamese cat.

To determine annual savings with pet insurance, we compared the annual cost of premiums to estimated annual pet ownership expenses in Utah, including vet visits, emergencies, vaccines and medications. Based on this information, we determined Lemonade policyholders could save $295 per year.

Lemonade offers a standard accident and illness plan that includes the basics, such as diagnostic testing, hospitalization and surgery, emergency care and prescription medication. The policy does not cover dental care, pre-existing conditions or any item available as an add-on.

Lemonade’s base plan coverage is limited, but you can build to comprehensive coverage by adding the following items for an extra cost:

• Vet visit fees
• Behavioral conditions
• Physical therapy
• Dental illnesses and conditions
• End-of-life and remembrance
• Preventative care package (for adult dogs and cats)
• Preventative care package with spay and neutering benefits (for puppies and kittens)

If you’ve owned a pet with a major medical condition in the past, you probably already know how quickly veterinary bills can add up. For example, the average cost of a full chemotherapy course for a pet with cancer can cost between $3,000 and $5,000, according to reporting by CBS News. Opting for a full-coverage provider, such as Spot, can help ensure you have proper coverage in such emergencies or situations. We rated Spot a 4.5 out of 5 stars, based on its comprehensive and customizable coverage.

Most pet insurance companies cap annual payouts, but Spot Pet Insurance offers an unlimited option — although it is pricier than some other options. Budget-minded pet parents may choose accident-only coverage or a more limited accident and illness policy. A 14-day waiting period applies to both accidents and illnesses, including orthopedic conditions.

The average cost of a pet insurance policy with Spot in Utah is $60 per month, which means coverage is about $15 more expensive than the state average of $45.

Comparing annual premium costs to estimated annual pet ownership expenses, including vet visits, emergencies, medication and vaccines, we noted Spot policyholders could lose $160 per year. However, your experience may vary depending on your coverage and how often you file a claim. Spot offers three reimbursement percentages, five deductibles and seven annual coverage limits to help you find a premium price that works for you.

Spot offers two coverage options in Utah: an accident-only and an accident and illness plan. Spot’s accident and illness policy is a more inclusive option, extending coverage to a range of treatments and services beyond accidents.

Policies do not cover organ transplants or pre-existing conditions, including those diagnosed during the 14-day waiting period. Note that this waiting period applies to both accidents and illnesses, which can make Spot’s policies less appealing if you have a young or accident-prone pet. Some competitors, such as Embrace, have a shorter waiting period for accidents.

You can also enhance your plan with the company’s two tiers of wellness coverage:

• Gold: Covers dental cleaning, a wellness exam and additional routine benefits up to $250 per year
• Platinum: Extends benefits to cover up to $550 in routine services each year

Pet owners who want full coverage without having to pick add-ons may consider Fetch, our top pick for comprehensive coverage. We gave Fetch 4.3 out of 5 stars. With just one plan option, Fetch covers a wide breadth of conditions, from standard illness and accident treatments to physical therapy, behavioral treatments and dental illnesses. It covers a full selection of heredity and congenital conditions and does not limit or exclude coverage based on your pet’s breed.

There’s one significant downside — Fetch has lower maximum payouts than most other providers on our list. While Spot and Lemonade offer $100,000 or more in annual protection, Fetch limits your total coverage to $15,000.

The average cost of a policy from Fetch is $38 per month for Utah residents, which is about $7 less per month than the state average.

When we compared annual premium costs to estimated annual pet ownership expenses, we found that Fetch policyholders could save $103 per year.

Fetch offers a single accident and illness plan that covers a comprehensive list of conditions and related treatments. Policies do not cover pre-existing conditions and routine care unless you add Fetch Wellness coverage. Fetch offers three levels of wellness benefits: the Essentials Plan ($355 in benefits), the Advantage Plan ($530 in benefits) and the Prime Plan ($750 in benefits).

Those looking for unlimited coverage might also consider Embrace Pet Insurance, our pick for savings. The company offers highly customizable plans, with annual coverage options starting at $5,000 per year and deductibles as low as $100. Plus, prices become more affordable when you factor in all the opportunities for discount savings. We gave Embrace 4.7 out of 5 stars.

Embrace’s mobile app makes for an easy claims filing process. If you’re interested in wellness coverage, you may also appreciate Embrace’s range of routine care benefits, which you select based on a total annual dollar benefit. Embrace also offers a two-day waiting period for accidents — 10 days shorter than competitors such as Spot and Fetch.

The average cost of Embrace’s pet insurance in Utah is $48 per month, which is a bit more than the state average of $45.

Comparing annual premium costs to estimate annual pet ownership expenses, including vet visits, emergencies, vaccines and medications, we found Embrace policyholders could lose $17 per year. However, you can choose from a range of coverage limits and annual deductibles to balance monthly costs and coverage.

Embrace offers a single all-inclusive accident and illness plan that includes behavioral therapy, dental illness, emergency and specialty care, surgery, prosthetic limbs and more. However, the company excludes the following:

• Boarding
• Breeding, whelping and pregnancy
• Magnet therapy and massage
• Organ transplants
• Orthopedic conditions during the first six months of coverage
• Pre-existing conditions
• Routine care

Embrace also offers the following add-on coverages: emergency exam fees, prescription drugs and wellness benefits up to $650.

Like Fetch, Healthy Paws offers a single policy with all-inclusive coverage, including benefits for alternative treatment and hereditary conditions. We gave Healthy Paws 4 out of 5 stars. It’s our top pick for affordable unlimited coverage, with an average monthly price of just $35 for residents of Utah.

The company offers unlimited coverage, meaning you do not have to worry about covered pet care bills beyond your coinsurance. Unlimited coverage can prove beneficial if your pet develops a serious illness that is expensive to treat, such as cancer.

However, Healthy Paws enforces a 12-month waiting period for hip dysplasia, a potential deterrent for those with dog breeds prone to the condition. Healthy Paws also only covers hip dysplasia if the pet is enrolled before reaching 6 years old.

Healthy Paws’s average policy costs $35 per month, which is less than the average monthly price in the state.

When we compared annual premium costs to estimated annual pet ownership expenses, including veterinary visits, emergencies, vaccines and medications, we determined Healthy Paws policyholders could save $139 per year.

Healthy Paws offers a single accident and illness plan, which includes unlimited annual coverage no matter your selected reimbursement limit or deductible. Policies exclude coverage for pre-existing conditions, routine care, and office and exam fees, even when the visit is an emergency.

Healthy Paws does not currently offer add-on options or wellness care plans.

Figo Pet Insurance, with 4.7 out of 5 stars, is our top choice for flexible reimbursement rates. Unlike most providers, it offers four choices of reimbursement, ranging from 70% to 100% of covered veterinary services.

The company also offers multiple other ways to adjust your policy, including three coverage limits, four deductible options and optional wellness coverage. Figo’s coverage is also wide-reaching, including alternative therapies, dental diseases and injuries and even euthanasia.

The average cost of a policy from Figo is $42 per month for Utah residents.

Comparing annual premium costs to estimated annual pet ownership expenses, including vet visits, emergencies, medication and vaccines, we determined Figo policyholders could save $55 per year.

Figo offers a single accident and illness policy that includes comprehensive coverage for various conditions and veterinary services. However, policies do not cover any of the following:

• Breeding and pregnancy costs
• Cosmetic surgery
• Elective surgery
• Prescription food
• Preventive dental care
• Preventive wellness care

Figo offers an add-on to cover veterinary exam fees and two levels of wellness coverage, Wellness Basic and Wellness Plus.