Best Pet Insurance Companies & Plans in Utah (2023 Review)

by | 11/03/2022

Your pet is a beloved member of the family. However, it can be difficult to pay for its healthcare when health issues arise. Unexpected accidents and illnesses can cause great financial strain on the average family. In fact, pet owners spent around 31.4 billion dollars in the U.S. on vet care and product sales alone in 2020.

Purchasing pet insurance can be the most important thing you do as a pet owner to ensure your furry friend gets access to all the healthcare it needs. Depending on the plan you choose, coverage can include accidents, illnesses, and wellness care. 

We’ve taken a look at companies that provide pet insurance in Utah and narrowed the providers down to the top six contenders. Read on to find out the specifics about what these following companies provide:


The Best Pet Insurance Companies & Plans in Utah

Provider Waiting Period Money-back Guarantee Maximum Enroll Age BBB Rating
Spot 14 days* Yes No age limit A
Lemonade 14 days for illnesses*, 48 hours for accidents No 14 years old N/A
Embrace 14 days for illnesses*, 48 hours for accidents Yes 14 years old A+
Healthy Paws 15 days* Yes 14 years old A-
ASPCA 15 days* Yes No age limit N/A
Prudent Pet 5 days for accidents, 14 days for illnesses* Yes No age limit A+
Figo 1 day for injuries, 14 for illness* Yes No age limit B
Wagmo 15 days for accidents and illnesses* No 15 years old N/A
Trupanion 5 days for injuries, 30 days for illnesses* Yes 14 years old A+

*Certain conditions, such as cruciate ligaments or orthopedic conditions, may have longer waiting period times, usually six months to a year. This is common among many pet insurance providers, but most illnesses will be covered after the waiting period listed above.

Pet Insurance Companies in Utah Reviews

Pet insurance coverage varies from state to state – even within the same company – so you must look at the specifics for your state when shopping for pet insurance. Keep reading to see how the different plans compare to each other in Utah in terms of coverage, monthly costs, average annual deductibles, spending caps, available discounts, and ease of submitting claims.

Spot Pet Insurance

Spot pet insurance tops our list as the best overall pet insurance provider. We also ranked it an impressive 4.9/5 for having the best wellness package and the extensive level of coverage offered in its base plan. Spot is also set apart from the competition for covering curable preexisting conditions that have been symptom-free for 180 days.

The average monthly prices for coverage seemed to be a little higher than some other companies, with dog coverage coming in at $40/month and cat coverage at $22/month. However, you can expect accidents, illnesses, hereditary conditions, behavioral issues, dental diseases, and exam fees related to accidents and illnesses to be covered. Currently, only dogs and cats are covered by the company. 

Spot’s wellness coverage sets it apart from the crowd. The gold wellness package starts at $9.95/month and offers $100 of coverage towards dental cleaning. The highest tier of wellness packages is the platinum option at $24.95/month. This provides coverage for dental cleaning, spaying/neutering, vaccinations, deworming, and urinalysis, adding up to an annual benefit of $450.


  • Easy reimbursement via direct deposit or mailed check
  • Reimburses up to 90% of covered vet bills
  • Discounted rates are available when insuring more than one pet


  • Doesn’t cover prescription diet food or boarding fees
  • Doesn’t cover any future knee or cruciate ligament issues when your pet has had a history of ligament issues

Lemonade Pet Insurance

The most affordable coverage was provided by Lemonade, coming in at second place with a rating of 4.8/5. Several things stood out to us about this top contender. It provides several ways to earn a discounted rate on your premium, a low overall deductible, and a convenient mobile app for all your insurance needs. Currently, it only provides coverage for dogs and cats.

In addition to providing pet insurance, Lemonade also offers homeowners, renters, life, and car insurance. If you bundle your home and pet insurance, you can save 10% on your insurance premium. It also offers a 5% discount when insuring two or more pets, as well as paying for your annual premium in one lump sum. These discounts can add up over time resulting in significant savings. 

Expect to pay around $37/month for dogs and $15/month for cats; however, cheaper plans are available if those prices don’t fit your budget. If you desire wellness coverage, that is available for an additional fee charged according to your pet’s age and needs. Whether you need coverage for accidents, illnesses, cancer care, X-rays, or bloodwork, Lemonade has a plan that’s got your back. The only exclusions we’ve found are that pre-existing and bilateral conditions, preventable accidents/illnesses, and trial treatments aren’t covered at this time. 


  • Short two-day waiting period for accident coverage
  • Convenient mobile app to ensure you are always able to access your benefits
  • High $100,000 cap for claims


  • Pricey add-on wellness coverage
  • Medical advice chat is only covered on add-on plans

ASPCA Pet Insurance

When it comes to offering customizable plans, ASPCA takes the cake. Founded in 2017, ASPCA stands by its coverage, offering a 30-day money-back guarantee if you aren’t completely satisfied. It doesn’t require an exam before coverage which is an added perk earning it a 4.6/5.

ASPCA offers various tiers of coverage to suit your needs, whether through its accident-only coverage or the complete coverage plan for your dog or cat. However, no other animals are covered at this time. 

For the best coverage, the complete coverage plan is the way to go for reimbursing things related to accidents, illnesses, hereditary conditions, dental diseases, behavioral issues, and more. 

Expect to pay around $49/month for dogs and $29/month for cats which runs a little higher than most average costs for other pet insurance companies. If you’re interested in purchasing preventative care coverage, add-on options start at $9.95 for the basic plan and $29.95 for the prime plan. The basic plan will cover some wellness benefits and limited vaccinations. The prime plan offers more extensive vaccination coverage and a higher well check benefit. 


  • Flexible billing options.
  • Three easy ways to submit claims: online, mail, or fax
  • Up to 90% reimbursement on covered vet bills


  • Cost of plans may hurt the pocketbook.
  • The annual claim limit is capped out at $10,000.

Embrace Pet Insurance

Founded in 2003, Embrace has stood the test of time and offers the best deductible we’ve found, earning it a rating of 4.7/5. The main reason for this rating is the creation of the Healthy Pet Deductible, which rewards you when no claims are submitted on your pet. This is the only insurer we’ve seen that offers anything of its kind.

We like the MyEmbrace portal and mobile app that makes submitting claims and checking coverage easy as pushing a button. We were also impressed by the charitable donation of $2 for every policy purchased and its coverage of curable pre-existing conditions that are symptom-free for 12 months. Keep in mind that most insurance companies will not cover any pre-existing conditions.

Embrace only covers dogs and cats at this time. The base plan offered, averaging about $35 for dogs and $18 for cats, covers diagnostic testing, procedures, emergency care, specialist care, hospitalizations, rehab, behavioral therapy, up to $1,000 for dental illnesses, and prescription medicine. It also covers congenital conditions as well as breed-specific illnesses. 

There are three wellness add-ons available, which cover well exams, vaccinations, microchipping, and grooming. Some coverage Embrace offers that isn’t always provided with other plans is toenail clipping, anal gland expression, cremation or burial benefit, teeth cleaning, and training fees. Not included are pre-existing conditions, neglect, and breeding costs. 


  • Covers curable preexisting conditions that have been symptom-free for one year
  • Customizable rates based on your pet’s age and breed
  • Only reviews the last 12 months of your pet’s medical history to document pre-existing conditions


  • Offers only one plan, which may not be good if you are looking for limited coverage
  • Not as budget-friendly as other providers

Healthy Paws Pet Insurance

Healthy Paws, founded in 2009, is an established, financially secure pet insurer with almost $25 billion in surplus. A portion of these proceedings is put to good use and is donated to animal shelters and pet rescues in need. We found Healthy Paws to be the best for chronic conditions and the most charitable organization overall, which led to its spot at number four on our list. Healthy Paws does not offer any wellness programs, not even as add-on coverage, so that’s something to think about as a pet parent. However, the added perks like unlimited maximum payouts and a quick turnaround for claim processing may make up for the lack of wellness benefits.

Healthy Paws offers customizable coverage based on your pet’s age meaning the younger your pet, the lower your deductible and the higher your reimbursement rate will be. At this time, Healthy Paws only provides coverage for dogs and cats. The healthcare plan covers accidents, illnesses, diagnostic imaging and testing, emergency care, hospitalization, and surgical procedures. It does not cover pre-existing conditions, examination fees, parasite control, dental cleaning, spaying and neutering, behavioral therapy, anal gland expression, and boarding fees. Expect to pay around $39/month for dogs and $12/month for cats. While the average monthly cost for cat coverage is similar to other companies, dog coverage seems to run a little high.


  • Top-ranked pet insurance provider by customers from 2010-2021
  • No maximum annual or lifetime payouts
  • Only have to upload a photo of the vet bill to submit a claim


  • Limited options for coverage with only one plan available
  • Costs of wellness benefits not covered

Prudent Pet Insurance

Founded in 2019, Prudent Pet is pretty new to the scene. We gave it a solid 4.4/5 rating because of its impressive level of comprehensive plans. Prudent Pet inspires confidence with its A+ rating from the Better Business Bureau, proving it may be the new kid on the block, but it’s not going anywhere. 

Prudent Pet offers three levels of coverage: an accident-only plan, the essential plan, and the ultimate plan, which, as its name implies, offers the most extensive coverage by far. The main difference we noticed is that the accident-only and essential plans have an annual cap of only $10,000. The essential plan has an unlimited annual cap and offers several extras like mortality coverage, vacation cancellation, and boarding fees. If you can afford the premium for the essential plan, it may be the way to go. 

You can expect the accident-only plan to provide any coverage for accidents and the essential plan to cover that plus coverage for illnesses. Not covered are pre-existing conditions, cosmetic procedures, and grooming costs. Average monthly prices are around $39/month for dogs and $23/month for cats. If you are interested in wellness coverage, add-on options are available, ranging from $7.95- $29.95/month. Prudent Pet does offer a multi-pet discount, although it only covers dogs and cats.


  • Ensures confidence with a money-back guarantee
  • Unrestricted access to medical advice
  • High levels of reimbursement for all plans


  • Coverage of routine exam fees is an additional add-on to wellness plans
  • Big difference in coverage between the bottom two plans and the ultimate plan

How Does Pet Insurance Work in Utah?

The good thing about pet insurance in Utah is that you are reimbursed directly instead of the vet’s office (like in human health insurance), so you are free to go to any licensed veterinarian you choose. The amount of money you receive back from your claims will depend on your preselected coverage, usually somewhere between 60-90% of your out-of-pocket costs. 

The method of submitting your claim will vary from insurance provider to provider but generally will be via one of the following methods: mobile app, online, mail, or fax. Keep this in mind when shopping around. Easy-to-use apps can really help you use your pet’s insurance to its fullest benefit. Once your claim is processed and approved, your insurer will either submit a check to you in the mail or deposit it directly in your bank account. 

How To Choose the Best Pet Insurance in Utah for You

Our list above breaks down the best insurance we’ve found. However, only you know which one fits your pet’s needs best. Consider how often your pet has visited the vet over the years. Is great wellness coverage more important, or do you need to spend more on illness coverage? Do you have an emergency fund to dip into while waiting for your claim to be processed, or is fast claim turnaround more important? 

Think about your ideal budget and find the plan that works best for you. Other important considerations to keep in mind are the ease of submitting and checking on a claim, the annual reimbursement caps, the amount of your deductible, and the percentage in which you will be reimbursed. Luckily, you’ve got some great options to choose from that will be sure to fit your needs.

How Much is Pet Insurance in Utah?

Now that you know what insurance is available to you let’s consider how much it will cost. We’ve included the average prices broken down by type of pet for all six pet insurance providers. Keep in mind that certain variables will affect your price, such as your pet’s age, breed, gender, and species. Some companies charge a little more for older pets and pets more prone to certain hereditary conditions. Also, the extent of wellness coverage and base level coverage you choose all play a part in your total cost. All in all, this gives you an easy way to compare the average monthly cost of different pet insurance providers across the board to help you determine which one is right for you.

Provider Sample Monthly Cost For Dogs Sample Monthly Cost For Cats Sample Monthly Wellness Cost
Spot $40 $22 $9.95 – gold

$24.95 – platinum

Lemonade $37 $15 $10 for cats

$15 for dogs

Embrace $35 $18 $35
Healthy Paws $39 $12 Not offered
ASPCA $49 $29 $9.95 – basic

$24.95 – prime

Prudent Pet $39 $23 $7.95-19.95 for cats

$11.95-29.95 for dogs

Where you live in Utah does make a difference in your monthly cost. According to our data pulled from the Petplan website, dog owners residing in Park City and Salt Lake City pay the most, and the rest of the state seems about the same. The following quotes are for $15,000 annual coverage, $300 annual deductible and 80% reimbursement, 3-year-old mixed breed dog, 21-70 pounds. Puppies, senior dogs, and large dogs can all change the price.

City Monthly Cost*
Salt Lake City $45.20
Ogden $32.72
Park City $53.52
Provo $32.72
Logan $32.72

Final Thoughts

The pet insurance industry has been steadily growing in the U.S. as millions of pet owners realize the importance of insuring their pets. In fact, the pet insurance market saw an annual growth of around 24% from 2016 to 2020, and we predict that number will continue to rise. It’s not a matter of if health issues will arise for your pet, but when. It only makes sense to be prepared for whatever comes your furry friend’s way. Purchasing pet insurance is a smart, solid investment that will more than pay for itself for years to come when you carefully select your plan.

Information for Pet Owners in Utah

Owning a pet in the Beehive State is a fun endeavor for the whole family. With loads of hiking trails and national parks, pet-friendly lodging accommodations, and even soothing spa facilities to pamper your pet, it’s no wonder so many residents of Utah choose to add a pet to their family. Here’s the nitty-gritty on what pet laws exist in Utah, some unique adventures to enjoy with your pet, and a list of resources available for you.

Utah Pet Laws

Whether you’re a lifelong resident of Utah or visiting for a while, there are several laws to keep in mind if you’re a pet owner. Strict laws exist in Utah prohibiting animal cruelty and fighting. Aggravated cruelty offenses have very stiff punishments as well. There are also laws prohibiting cities from placing any breed-specific regulations on dogs which can provide a little peace of mind if your fur baby’s breed has a bad rap. Leash laws in Utah require you to place a leash on your dog when off your property. Lastly, you, the pet owner, are liable for any damage inflicted by your pet on others. 

Fun Things to Do With Your Pet in Utah

Utah is known for its skiing, natural parks, and pristine salt lakes. All of this crisp air and wide-open spaces create an environment that your pet will thrive in. Perhaps, your dog will enjoy trekking through one of the many trails the Beehive State offers. Leash requirements differ from park to park, so if being free is important to your pet, you may need to do your homework first. If you’re in Southern Utah, look up Dreamland Safari Tours to see what all this pet-friendly outdoor adventure company provides. Be sure to schedule a tour at the canyons to cool off on a hot day.

Utah Pet Resources

  • Ruff Haven Crisis Sheltering: This organization provides up to 90 days of emergency pet sheltering for people going through hard times. There is no charge to the pet owner, and fostered pets are spayed/neutered, vaccinated, groomed, and microchipped at this time, if needed, as well.
  • Humane Society of Utah: The Humane Society offers preventative care services and assistance for families in need at their facilities only. They ask that you know your pet’s medical diagnosis beforehand.
  • Best Friends Pet Food Pantry: Located in Salt Lake City, this food pantry provides pet food to low-income residents.
  • Street Dawg Crew of Utah: This nonprofit organization provides pet food to homeless and low-income populations. It also helps with getting your pet spayed or neutered. 

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.