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, Figo and Pumpkin also offer strong coverage options.
Best Pet Insurance in Iowa
Updated: November 13, 2025
Advertising & Editorial Disclosure
Key Takeaways
Lemonade offers the best pet insurance in Iowa, with competitive rates and 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 Points
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
AKC leads the best pet insurance rankings for most dog breeds in Iowa, while Lemonade and Pets Best are top picks for select breeds. Review which companies are best for your dog below.
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 leads the best pet insurance rankings for most cat breeds in Iowa, while Rainwalk is a strong alternative option. See which companies are best for your cat below.
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 (eight wins) and Pumpkin (eight 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 affordable pet insurance in Iowa takes some research. Here's how to find the best insurer for your dog or cat:
- 1Evaluate Your Pet's Coverage Needs
List your pet's health risks and the types of care they may need. Consider factors like breed, age and existing conditions to determine the right coverage level.
- 2Look for Discounts
Ask about discounts when you shop. You can save money with a multi-pet plan or by paying annually instead of monthly. Some insurers also discount coverage for spayed or neutered pets.
- 3Check Insurance Company Track Records
Research each company's claim payment history and customer reviews before buying. Look for insurers with strong financial ratings and good reviews about how they handle claims.
- 4Get Multiple Insurance Quotes
Get quotes from at least three different pet insurance companies using the same coverage details. This direct comparison helps you find the best rate.
- 5Review Your Policy Every Year
Set a yearly reminder to check for better rates and coverage options. Pet insurance costs 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 offers the most 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?
Lemonade offers the cheapest dog insurance in Iowa at $43 monthly. Pumpkin provides the cheapest cat insurance at $18 monthly. Figo, Hartville and ASPCA also offer affordable rates.
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
Finding affordable pet insurance in Iowa means comparing real costs across breeds and age groups. We gathered quotes from 20 major pet insurance companies using standard coverage options that most Iowa pet owners choose. This approach shows you actual monthly costs rather than advertised estimates.
We built our rate comparisons using this baseline profile for Iowa residents:
- $5,000 annual limit (covers most routine care and unexpected injuries)
- 80% reimbursement (you pay 20% of covered costs)
- $500 deductible (what you pay before insurance kicks in)
- 6-year-old Labrador Retriever for dog quotes
- 7-year-old Ragdoll for cat quotes
Middle-aged pets represent the sweet spot where coverage matters most — old enough to develop health issues but young enough to qualify for new policies.
Our Company Rating System
We rated each insurer on three factors that matter most:
Affordability (50%): We compared actual premium costs across different coverage levels, pet ages and breeds. This shows you which companies charge less for the same protection. We also factored in available discounts and how each company applies them to your monthly cost.
Customer experience (30%): We reviewed ratings from multiple sources, including AM Best financial strength ratings and customer feedback from Reddit discussions. This reveals how companies handle claims and treat policyholders.
Coverage options (20%): We examined what each policy covers and what it excludes, focusing on the medical costs Iowa pet owners pay most often. Companies with more comprehensive coverage and fewer restrictions scored higher.
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 14, 2025.