Lemonade is the best pet insurance company in Iowa, ranking highest for dogs and cats. For Iowa pet owners seeking alternatives, AKC, Pets Best, Spot and Pumpkin also offer strong coverage options with proven track records of reliable service.
Best Pet Insurance in Iowa
Updated: September 11, 2025
Advertising & Editorial Disclosure
Key Takeaways
Lemonade offers the best pet insurance in Iowa, with monthly rates starting at $8. It combines competitive pricing with excellent customer service.
For the cheapest pet insurance in Iowa, Lemonade provides dog coverage at $43 per month, while Pumpkin offers cat insurance at $18 monthly.
Compare multiple pet insurance policies to find coverage that matches your pet's needs and your budget.
Best Pet Insurance Companies in Iowa
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| Lemonade | 4.50 | $43 |
| AKC | 4.25 | $57 |
| Pets Best | 4.10 | $52 |
| Figo | 4.05 | $47 |
| ASPCA | 3.90 | $48 |
Lemonade
Best Overall
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate for Dogs
$43Average Monthly Rate for Cats
$21Overall Reddit Sentiment
72% positiveMaximum Annual Limit
$100,000
Best Pet Insurance by Dog Breed
Overall, AKC dominates the best pet insurance rankings for most dog breeds in Iowa, while Lemonade and Pets Best are top picks for select breeds. Below, you can review which companies are best for your dog in the state.
Data filtered by:
Affenpinscher
| Pets Best | 4.35 | $23 |
| AKC | 4.3 | $49 |
| Lemonade | 4.25 | $27 |
| Rainwalk | 4.2 | $47 |
| Spot | 4 | $42 |
Best Pet Insurance by Cat Breed
AKC dominates the best pet insurance rankings for most cat breeds in Iowa, while Rainwalk stands out as a strong alternative option. Below, you can review which companies are best for your cat in the state.
Data filtered by:
Abyssinian
| AKC | 4.45 | $37 |
| Rainwalk | 4.4 | $34 |
| Lemonade | 4.35 | $21 |
| Pets Best | 4.3 | $27 |
| Spot | 4.2 | $27 |
Cheapest Pet Insurance in Iowa
In Iowa, Lemonade offers the cheapest pet insurance for dogs at $43 per month or $521 per year. For cats, Pumpkin provides the most affordable coverage at $18 per month or $217 per year.
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| Lemonade | $43 | $521 | -29% |
| Figo | $47 | $568 | -23% |
| ASPCA | $48 | $574 | -22% |
| Pets Best | $52 | $633 | -14% |
| Pumpkin | $53 | $634 | -14% |
| Hartville | $54 | $656 | -11% |
| Met Life | $57 | $687 | -7% |
| AKC | $57 | $690 | -6% |
| Spot | $59 | $699 | -5% |
| Liberty Mutual | $63 | $755 | 3% |
| Rainwalk | $66 | $796 | 8% |
| Embrace | $78 | $940 | 28% |
| Fetch | $88 | $1,061 | 44% |
| Nationwide | $95 | $1,147 | 56% |
Cheapest Iowa Pet Insurance by Dog Breed
In Iowa, Lemonade, Pumpkin and Pets Best offer the most affordable pet insurance for dogs, with rates starting at $14 monthly.
Data filtered by:
Affenpinscher
| Pets Best | $23 | $282 | -50% |
| Lemonade | $27 | $319 | -43% |
| Pumpkin | $31 | $377 | -33% |
| Figo | $33 | $399 | -29% |
| ASPCA | $34 | $404 | -28% |
Cheapest Iowa Pet Insurance by Cat Breed
In Iowa, Pets Best (13 wins), Lemonade (8 wins) and Pumpkin (8 wins) provide the most affordable coverage across cat breeds. Rates start at $13 per month for standard plans.
Data filtered by:
Abyssinian
| Lemonade | $21 | $254 | -55% |
| Hartville | $26 | $303 | -46% |
| Spot | $27 | $319 | -43% |
| Pets Best | $27 | $328 | -42% |
| Figo | $29 | $342 | -39% |
How Much Is Pet Insurance in Iowa?
Iowa pet insurance costs around $76 monthly for dogs and $39 for cats. These rates run 16% below the national average for dog policies and 15% lower for cat coverage.
Data filtered by:
$5,000
$500
80%
| Cat | $39 | $463 | -15% |
| Dog | $76 | $910 | -16% |
How to Get the Best Cheap Pet Insurance in Iowa
Finding the best cheap provider and coverage plan in Iowa can be difficult. Here's how to find the best pet insurance for your needs:
- 1Evaluate Your Pet's Coverage Needs First
Start by listing your pet's specific health risks and the types of care they might need. Consider factors like breed, age and existing conditions to determine the right coverage level.
- 2Look for Available Insurance Discounts
Many insurers offer savings through a multi-pet plan or annual payment options. Ask about discounts for spayed or neutered pets and preventive care packages.
- 3Check Insurance Company Track Records
Research customer reviews and claim payment histories of different pet insurance providers. Focus on companies with strong financial ratings and positive feedback about claim processing.
- 4Get Multiple Insurance Quotes
Get quotes from at least three different pet insurance companies using the same coverage details. This direct comparison helps ensure you're getting the best possible rate.
- 5Review Your Policy Every Year
Set a yearly reminder to check for better rates and coverage options. Pet insurance costs can change as pets age, so regular reviews help maintain affordable coverage.
Best Pet Insurance in Iowa: Bottom Line
Lemonade is our top pick for pet insurance in Iowa, while Pumpkin leads the pack for affordable cat coverage. While these providers rank highest in our research, the right insurance depends on your pet's needs and your budget. Compare different plans before making your choice.
Pet Insurance in Iowa: FAQ
Here are answers to frequently asked questions about Iowa pet insurance:
What are the best pet insurance companies in Iowa?
Pet owners in Iowa can rely on Lemonade, Pumpkin, Spot, AKC and Pets Best for quality insurance coverage based on a comprehensive analysis of available providers.
Which company has the cheapest pet insurance in Iowa?
Pumpkin, Hartville, Lemonade and Figo are among the most affordable pet insurance providers in Iowa. Monthly premiums start at $43 for dogs and $18 for cats.
How much is pet insurance in Iowa?
In Iowa, pet insurance costs around $463 annually for cats and $910 for dogs. Annual premiums across the state can range from $57 to $11,226, depending on coverage options and pet factors.
What is the best way to find the right pet insurance provider?
Start by determining your pet's specific coverage needs based on age, breed and health history. Research multiple providers' reputations through customer reviews and industry ratings. Compare policy details, coverage limits and deductibles from at least three companies. Get quotes from top-rated insurers to find competitive rates that match your requirements.
How We Found the Best and Cheapest Pet Insurance in Iowa
We researched all 20 major pet insurance providers in the United States, compared their policies and gathered quotes for Iowa residents. Here's the standard profile we used for our comparisons:
- $5,000 annual limit
- 80% reimbursement
- $500 deductible
- 6-year-old Labrador Retriever if dog
- 7-year-old Ragdoll if cat
Our Company Rating System
To ensure our ratings are accurate to pet and pet owner's needs, we simplified our rating mechanism for easy understanding and comprehensive inclusion of all available information:
- Affordability (50% of score): We used proprietary quote data for all combinations of coverage, pet ages, and breeds owned in the U.S. to compare affordability scores for all providers. We also considered discounts and how each company calculates them into your premium.
- Customer experience (30% of score): Using customer ratings we scoured across the internet, industry scores from reliable agencies like AM Best, and Reddit comment sentiment for companies to get this score.
- Coverage options (20% of score): We considered all terms, add-ons and inclusions when determining this score. We also gauged these coverage restrictions and inclusions against the most commonly needed pet medical-related costs to assess their usefulness.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Trustpilot. "Lemonade Reviews." Accessed November 7, 2025.