Getting the best pet insurance in Idaho could save you a lot of money on unexpected medical costs should your pet suddenly require veterinary care. With pet insurance, you have the peace of mind that comes with knowing you can care for your pet and it saves you from carrying the stress of the potential costs of pet medical care.
MoneyGeek gathered quotes from the best pet insurance companies in Idaho from the state’s top cities, including Boise, Meridian and Nampa. That helped us determine the cost of pet insurance in Idaho for accidents and illnesses, plus the perks and benefits the best coverage can give your pet.
The Best Pet Insurance Companies in Idaho
With so many pet insurance companies in Idaho to choose from, it can be difficult to identify the best company and policy for your pet. MoneyGeek helps you compare and find the best pet insurance in Idaho because we analyzed thousands of quotes from several companies and documented their policy and coverage details for pet insurance in Idaho.
Since the cost of pet insurance in Idaho largely depends on breed, age, medical history and whether you want a certain coverage included, the best for your budget and your pet’s needs can vary. MoneyGeek considered affordability and the range of policy options to find the best pet insurance in Idaho.
Best Overall Pet Insurance in Idaho for Your Pet
Flexible coverage options, deductible and reimbursement rate
Provides coverage for the most common unexpected events
Telehealth visits available
Routine care coverage has an additional fee
Pets Best is MoneyGeek’s top overall pick for the best pet insurance in Idaho because of its multiple benefits and wide range of coverage limit options and deductibles. It costs an average of $28.89 per month for pet insurance in Idaho from Pets Best.
Pets Best has three accident and illness plans: Essential, Plus and Elite, each with unique benefits. You can choose between $5,000 or unlimited annual coverage. Annual deductibles range from as low as $50 up to $1,000. Reimbursement options are either 70%, 80% or 90%. All plans from Pets Best cover accidents, illnesses, cancer, hereditary and chronic conditions, emergency care, surgeries and prescription medication. A pet insurance policy in Idaho through Pets Best also covers lab tests, MRIs, CT scans and X-rays. Even the cheapest plan, Essential, includes all these benefits.
Preventive care and all other types of routine care are not covered. But wellness add-ons are available. Overall, Pets Best is a great choice for Idaho pet owners.
Best Pet Insurance Company in Idaho: Unlimited Coverage
No maximum annual limit
Multiple annual deductible options
Direct vet pay
Does not cover bilateral conditions
Pets Best is an excellent choice if you prioritize coverage for your pet. A policy with unlimited coverage means there is no annual limit to the reimbursements for veterinary expenses. The cost of pet insurance in Idaho from Pets Best with unlimited coverage averages $36.56 per month.
An unlimited coverage policy from Pets Best can save you money in the long run, especially when your pet suddenly needs high-priced medical care. When you upgrade from the Essential to the Plus package through Pets Best, you have coverage for your pet’s exam fees for injury and illnesses. Consider upgrading to an Elite package if you want to add rehabilitative care, acupuncture, and chiropractic coverage. For all plans, there is no age limit, so older pets can get coverage too.
A few benefits that Pets Best does not cover are bilateral conditions or any other pre-existing conditions. If you are looking for preventive care and vaccination benefits for your pet, such as deworming, tick prevention and rabies, you need to add a routine care plan.
Best Pet Insurance Company in Idaho: Affordable Coverage
Most affordable pet insurance policy for $5,000 annual coverage
No upper age limit on a policy
Limited annual coverage limit options for the accident-only plan
No end-of-life expense coverage
The most affordable pet insurance company in Idaho is Pets Best. A $5,000 yearly coverage policy from Pets Best costs around $21.23 per month.
Pets Best offers several deductibles, as low as $50 up to $1,000, making a policy customizable and, therefore, more affordable. You can also choose the reimbursement rate that best suits your budget — 70%, 80% or 90%.
If you have a generally healthy pet and you want to insure them only in case of accidents, Pets Best offers an accident-only plan which covers trauma, poisoning, a bite from another animal, vehicle accidents, and other types of accidents. This plan has a $10,000 annual limit, a $250 deductible and a 90% reimbursement rate at a flat monthly rate of $9. That is generally cheaper than most pet insurance options in Idaho. However, it does not cover pre-existing conditions or illnesses, including parasitic infections, cancer and metabolic disorder.
Best Pet Insurance Company in Idaho: Multiple Pets
5% multi-pet discount
No upper age limits
Optional Vet Direct Pay
Only two annual limit options
If you have more than one pet, you may be able to cut costs by getting pet insurance quotes in Idaho through a company that offers a multi-pet discount. MoneyGeek found Pets Best has the best multiple pets insurance policy in Idaho at around $26.00 per month.
When you enroll more than one dog or cat in a Pets Best policy, you may receive a 5% discount. Having no upper age limit makes Pets Best the best dog insurance in Idaho to insure multiple pets at any age. But, a benefit that Pets Best is lacking is end-of-life coverage. It also does not provide any holistic care coverages like experimental therapies or holistic medications. But, you can add wellness plans to a standard accident and illness policy to protect your pet with preventive care and more.
A stand-out feature of Pets Best is Vet Direct Pay, where the insurance company pays your vet directly. That means you don’t have to pay anything out of pocket or worry about how long it will take to reimburse your money.
Best Pet Insurance Company in Idaho: Cats
Covers exam fees and procedures
10% multi-pet discount
Deductible then copay reimbursement method
High cost for routine care add-ons
Insuring a cat in Idaho with Embrace costs an average of $14.71 per month — Embrace is MoneyGeek’s top cat insurance choice in Idaho.
Embrace has several options for annual coverage limits, starting from $5,000 up to $30,000. Annual deductibles start at $200 and go as high as $1,000, with reimbursement options of 70%, 80% or 90%. Embrace follows a deductible then copay reimbursement method where the company subtracts the deductible from your total covered bill before the copay kicks in, giving you the highest reimbursement on veterinary bills.
Embrace protects your cat with accident and illness coverage, including dental trauma, exam fees and prescription medication. Its cat insurance policy in Idaho also covers CT scans, lab tests and other procedures. Plus, a 10% discount is possible when insuring more than one cat.
If you want routine care for your cat, like teeth cleaning, spaying or neutering, or nutritional supplements, there is an additional policy fee. Embrace reimburses 100% of routine care costs.
A policy perk from Embrace is a diminishing benefit where, if you don’t file a claim within a policy year, the company reduces your deductible by $50 the next year.
Best Pets Insurance in Idaho Ranking Summary
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- RankingWinnerAvg. Monthly Cost
- OverallPets Best$29
- Unlimited CoveragePets Best$37
- Affordable CoveragePets Best$21
- Multiple PetsPets Best$26
What Is the Average Cost of Pet Insurance Cost for Dogs and Cats in Idaho?
The average cost of pet insurance for a dog in Idaho is $27.30 per month for a $5,000 yearly coverage limit, $46.54 per month for a $10,000 annual coverage limit, and $52.75 per month for unlimited coverage.
Cats are typically cheaper to insure in Idaho, with an average cost of $14.60 per month for a $5,000 yearly coverage limit, $23.48 per month for a $10,000 annual coverage limit, and $35.19 per month for unlimited coverage.
Other factors aside from your coverage limit, specifically your pet’s age, your choice of deductible and additional perks and benefits, affect the cost of pet insurance in Idaho. Getting personalized pet insurance quotes in Idaho helps you determine your cost for dog or cat insurance.
Average Monthly Cost of Pet Insurance in Idaho
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- Pet Insurance Policy$5k Coverage$10k CoverageUnlimited
- Average Cost for a Dog$27$47$53
- Average Cost for a Cat$15$23$35
For the average pet owner, a pet insurance policy in Idaho should have around a $5,000 to $10,000 annual coverage limit and an 80% reimbursement rate or higher. Choosing coverage in that range ensures that you can afford complete medical care and procedures for your pet in an accident or because of illness without making sacrifices because of your budget.
Compare the Cheapest Pet Insurance Quotes in Idaho
MoneyGeek aims to inform pet owners in Idaho about the typical options that most companies offer in pet insurance policies. They include:
- Annual reimbursement limits that range from $3,000 to unlimited
- Deductibles of $250 or $500, but some companies have higher or lower options
- Bill reimbursement percentage of 70%, 80% or 90%
Some pet owners, as they may feel that they don’t need as much insurance coverage, or are managing their monthly expenses, could want a cheaper pet insurance policy in Idaho with low coverage. On the other hand, some Idaho pet owners may want the maximum coverage and happily pay a higher premium in exchange for unlimited coverage. Unlimited coverage is often more expensive but does provide complete protection should your pet need it.
Most often, MoneyGeek recommends the average coverage amount below for pet insurance shoppers in Idaho.
Cheapest Pet Insurance in Idaho by Coverage Level
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- Maximum Policy CoverageWinner: Cheapest PolicyAvg Cost
- $5,000Pets Best$21
- UnlimitedPets Best$37
MoneyGeek found the cheapest cost for a low annual maximum ($5,000), high deductible ($500) and low reimbursement percentage (80%) pet insurance policy in Idaho. Below is a comparison of pet insurance in Idaho, showing how much it costs when you choose to increase your coverage limit, lower your deductible, or choose a higher reimbursement rate.
Cheapest Low Coverage: $5k Annual Maximum / 80% / $500 Deductible
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- Pet Insurance CompanyLow Coverage Monthly Cost
- Pets Best$21
- Pet Plan$23
Cheapest Average Coverage: $10k Annual Maximum / 80% / $250 Deductible
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- Pet Insurance CompanyAverage Coverage Monthly Cost
Cheapest Unlimited Coverage: Unlimited Maximum / 90% / $250 Deductible
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- Pet Insurance CompanyUnlimited Coverage Monthly Cost
- Pets Best$37
- Healthy Paws$43
The Best Cheap Pet Insurance by City in Idaho
Where you live in Idaho largely impacts your pet insurance rate. Treatments and veterinary medicine costs range from one location to another — the higher the cost of living, the higher services may be, directly influencing the cost of pet insurance in Idaho. Areas where there is a high chance of accidents relating to weather, traffic and other hazards also tend to have higher insurance costs. That’s why MoneyGeek researched multiple cities in Idaho to uncover the cheapest pet insurance by city.
Best Cheap Pet Insurance Companies by City
- CityCoverage Level and Average Monthly Rate
- Boise$5k: Pets Best, $20
Unlimited: Pets Best, $34
$10k: Embrace, $37
- Meridian$5k: Pet Plan, $20
$10k: Embrace, $37
Unlimited: Pets Best, $38
- Nampa$5k: Pet Plan, $20
$10k: Embrace, $37
Unlimited: Pets Best, $38
MoneyGeek used city-based data in Idaho by gathering quotes for $10k coverage, 80% reimbursement, and $250 deductible for a 1-year-old Goldendoodle.
What Factors Impact Pet Insurance Cost in Idaho?
The cost of pet insurance in Idaho is largely affected by several factors, such as pet’s breed, age, where you live and what type of coverage limit, deductible, and benefits you choose for your pet. MoneyGeek wants you to understand why your pet insurance costs what it does, so we explain the influencing factors below.
Annual reimbursement limit
This refers to the total amount that the insurance company covers within a one-year policy period. Limits can be as low as $3,000 up to unlimited.
The deductible is the amount you pay before the insurance company reimburses for services. The higher the deductible, the lower your pet insurance premium.
Bill reimbursement percentage
Pet insurance can reimburse 70% up to 100% of your pet’s medical costs, depending on the company’s options. Let’s say you have a $1,000 bill and a 90% reimbursement rate. If you’ve already met your deductible, the company pays $900, and you pay the remaining $100.
Pets of larger or rare breeds, especially those with known congenital health issues, cost more to insure.
Generally, you want to get insurance for your pet as early as possible because pet insurance for older pets does cost more.
Where you live can affect the cost of pet insurance. A higher cost of living area may have higher pet insurance rates.
If you have more than one pet and plan to insure all of them, pet insurance companies may offer a discount to help you save money.
FAQ’s About Pet Insurance in Idaho
MoneyGeek's Rating Methodology for Pet Insurance
MoneyGeek believes that data helps us make better financial decisions. For pet insurance, our data team spent countless hours gathering thousands of pet insurance quotes across the 13 largest providers to ensure you find the most affordable policy to meet your pet’s needs.
To determine the best pet insurance companies in Idaho, MoneyGeek built a detailed rating system by analyzing each company’s product offerings and costs. For the MoneyGeek rating score, we weighted affordability by coverage level at 50% of the total score and weighted our 24 qualitative research policy option data points at 50%.
To determine the cheapest pet insurance companies in Idaho and to determine our affordability scores for our best rankings, MoneyGeek gathered quotes by company across many zip codes in Idaho for four pet types with the following coverage levels:
- Low coverage: $5,000 yearly coverage, $500 deductible, 80% reimbursement
- Average coverage: $10,000 coverage, $250 deductible, 80% reimbursement
- High coverage: Unlimited coverage, $250 deductible, 90% reimbursement
About Mark Fitzpatrick