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Best Pet Insurance in Iowa

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Want to jump straight to the answer? The best pet insurance provider for most people is definitely Spot or Pumpkin.

Searching for the best pet insurance in Iowa for your furry friend? Let Benzinga lend a helping hand. 

We’ve conducted hours of research to compile a list of top providers and outline what to expect from pet insurance policies — including how they work and why the investment is worth it. 

Best Pet Insurance in Iowa:

Pet Insurance in Iowa: An Overview

Vet bills can put a dent in your wallet. Fortunately, pet insurance in Iowa helps minimize the cost of care for your dog or cat. And the benefits of purchasing a policy clearly outweigh the costs, as evidenced by these figures from the North American Pet Health Insurance Association

Number of households with pets: 85 million

Amount spent on pet bills annually: $15.25 billion

Average cost of pet insurance annually: $168 to $1,176 (varies by tier)

But pet insurance doesn’t work like traditional insurance. These policies require you to pay the bill in full first and submit a claim to your provider for reimbursement. Days or even weeks could lapse before you receive an electronic deposit to your bank account or a check in the mail.

Also, the amount you’ll be reimbursed depends on a few factors:

  • The level of coverage. Extensive coverage means higher monthly premiums. 
  • The deductible. Your policy won’t kick in until you’ve paid the deductible. This is a flat-rate you must pay out of pocket for services before your plan starts covering expenses. 
  • Accurate claim information. If there are errors or omissions on the claim form, you could receive substantially less than you’re eligible for — or have the claim rejected altogether. 

What Does Pet Insurance Typically Cover?

Not all pet insurance policies are the same. Frequently, you’ll find that accident and illness coverage is standard, and some providers offer accident-only plans. But there are select policies that also cover routine care. Others help offset costs for prescription drugs and preventive surgeries. 

Here’s a detailed breakdown: 

  • Accidents: These plans kick in if your dog or cat is injured in an accident. 
  • Illnesses: This coverage comes into play if your dog or cat falls ill unexpectedly. Keep in mind the provider may not offer reimbursement if the illness is caused by a pre-existing medical condition. 
  • Other coverages: Select plans include coverage for routine care, prescription drugs and preventive surgeries.  

More specialized plans for exotic pets or periodontal care are also available. Before you select a plan, check to see if exclusions or waiting periods apply. Insurance providers often include clauses to prevent pet owners from enrolling only when problems arise. 

3 Reasons to Buy Pet Insurance in Iowa

There are several reasons why pet insurance is a worthwhile investment. Here are a few key benefits: 

  1. Affordable premiums. You can get the coverage you need for under $100 per month — a small price to pay for the thousands you could save on vet bills. 
  2. Minimized out-of-pocket costs. Although you will have to pay upfront and submit a claim for reimbursement, in the end, your policy will help cover a portion of the costs. 
  3. Peace of mind. No need to choose between your budget and your pet. A pet insurance policy gives you peace of mind knowing that your pet can receive adequate care when it’s needed. 

The Best Pet Insurance in Iowa 

With so many pet insurance providers in Iowa to choose from, how do you find a policy that suits you? Benzinga’s done the research to bring you a list of the best pet insurance providers. 

Our top picks are companies that offer affordable, flexible plans to meet your needs.  

Starting Rate
$10/month
Best For
Best Overall
Pros
  • Multiple pet discount
  • Covers prescription food and supplements
  • No upper age limit for coverage enrollment
  • 30-day money-back guarantee*
  • More reimbursement options: 70%, 80% and 90%
Cons
  • Doesn’t cover exotic pets

1. High-Quality Pet Insurance: Spot Pet Insurance

Spot Pet Insurance is a top provider of affordable policies in Iowa. It’s also the preferred choice of world-renown dog trainer Cesar Millan. 

Standard plans include accident and illness coverage. But you can customize to include coverage for behavioral issues, dental disease, illnesses, congenital and hereditary conditions and preventive services. (Be sure to read the fine print as exclusions may apply.) 

You can get covered for as little as $1 a day and get reimbursed up to 90% on vet bills. 

Starting Rate
$15 for cats, $30 for dogs per month
Best For
Training and Grooming
Pros
  • Has a deductible feature included in the Embrace Plan at no additional cost
  • Covers dogs and cats
  • Coverage for exams
  • Rewards program
  • Great customer service
Cons
  • Comprehensive plans only for animals at the ages of 1 to 14
  • Plans don’t cover preexisting conditions of pets
  • No unlimited claims options

2. Most Affordable in Iowa: Embrace Pet Insurance

Embrace Pet Insurance offers high-quality plans to cover accidents, illnesses, exams and preventive care. Select plans also cover costs related to grooming and training. 

But what makes them an ideal choice are their flexible plan options. Embrace allows you to adjust the reimbursement percentage, deductible and annual maximum to achieve your desired monthly premium. Even better, most policyholders are reimbursed for at least 90% of claims. 

You’ll also be rewarded over time with its Diminishing Deductible feature. Not filing a claim each year means Embrace reduces your deductible by $50. 

Starting Rate
$24- $115 per month
Best For
Chronic Conditions

3. Best for Short Waiting Period: petfirst

petfirst features affordable plans with short waiting periods. A 14-day waiting period applies for standard illnesses coverage. Treatment for back or joint ailments are subject to a 12-month waiting period. 

You can purchase an accident or illness plan for as little as $15 or $9 per month, respectively. And if you wish to upgrade to include routine care coverage, you can do so for a small fee. 

petfirst also works with your vet to get you reimbursed, and most claims are paid out within 14 days. 

Starting Rate
$16 for cats, $30 for dogs/month
Best For
Bundling
Pros
  • Customizable coverage options with the choice to add wellness coverage
  • Quick email quotes make comparisons simple
  • Affordable accident-only policies available
Cons
  • Only available for cats and dogs
  • Boarding costs not included in any plan

4. Best for Dogs: Progressive

Looking for a pet insurance provider in Iowa that offers routine care coverage? Consider a Wellness Routine Care Plan from Progressive to covers blood work, wellness exams and dental cleanings.

It’s available as an add-on to the Accident-Only or BestBenefit Accident and Illness Plan. 

Starting Rate
Varies
Best For
Extensive Coverage
Pros
  • No upper age limit
  • Multiple pet discount
  • An extensive list of covered procedures
Cons
  • Plans only cover cats and dogs — no other pet types

5. Best for Cats: Pumpkin Pet Insurance

Your cat or kitten deserves the very best care possible, and Pumpkin Pet Insurance gives you the opportunity to do your best for your cat. 

After Pumpkin reviews your claim and determines whether your cat can be covered, you’ll receive a robust 90% reimbursement for the covered costs on your claim. 

Pumpkin offers robust pet insurance plans for cats of all ages. If you’re considering Pumpkin as your pet insurance company, know the annual coverage limits and reimbursement limits in its policies. 
Reach out to Pumpkin for a sample quote.

Get Pet Insurance in Iowa

Pet insurance can help guard your wallet against unwanted costs if your pet is involved in an accident or falls ill. Plus, you won’t be faced with the agonizing decision to clean out your savings for care or worse — consider laying your pet to rest. 

Ready to start shopping for a plan? It’s fast, easy and free to retrieve quotes from our list of recommended providers. Enter your ZIP code to explore your options for the best fit. 

First-Class for Your Pet?

SPOT Pet Insurance knows that your pets are part of your family. SPOT offers the highest quality pet-centric coverage and first-class service for pet insurance. 

SPOT works hard to earn your trust with a clear explanation of benefits and responsive associates ready to answer your questions. SPOT even sends “get well” notes for your pets and provides access to telehealth resources.