Lemonade is the best pet insurance provider for cats and dogs in Utah. Other strong options in the state include Rainwalk, Spot, Pumpkin, Pets Best and AKC.
Best Pet Insurance in Utah
Updated: September 8, 2025
Advertising & Editorial Disclosure
Key Takeaways
Lemonade offers the best pet insurance in Utah, with plans starting at $9 per month. It combines competitive pricing with excellent customer service.
In Utah, Lemonade provides the cheapest pet insurance for dogs at $49 per month, while Pumpkin has the lowest premiums for cats at $21.
Compare multiple insurance providers to find coverage that matches your pet's needs and your budget while considering both cost and coverage options.
Best Pet Insurance Companies in Utah
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Dog or Cat:Dog
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Pet Age Group:Middle Aged
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$500
| Lemonade | 4.50 | $49 |
| Rainwalk | 4.15 | $63 |
| Pets Best | 4.05 | $60 |
| AKC | 4.05 | $68 |
| ASPCA | 3.85 | $55 |
| Pumpkin | 3.70 | $60 |
Lemonade
Best Overall
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate for Dogs
$49Average Monthly Rate for Cats
$24Overall Reddit Sentiment
72% positiveMaximum Annual Limit
$100,000
Best Pet Insurance by Dog Breed
Overall, AKC leads pet insurance rankings for most dog breeds in Utah, while Rainwalk, Lemonade and Pets Best win for select breeds. Below, you can review which companies are best for your dog in the state.
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Breed:Affenpinscher
| Rainwalk | 4.35 | $43 |
| Pets Best | 4.35 | $27 |
| Lemonade | 4.25 | $30 |
| AKC | 4.25 | $58 |
| Spot | 3.95 | $48 |
Best Pet Insurance by Cat Breed
Rainwalk dominates the best pet insurance rankings for most cat breeds in Utah, while AKC stands out as an alternative option for select breeds. Below, you can review which companies are best for your cat in the state.
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Breed:Abyssinian
| Rainwalk | 4.5 | $32 |
| AKC | 4.45 | $44 |
| Lemonade | 4.35 | $24 |
| Pets Best | 4.3 | $31 |
| Spot | 4.2 | $30 |
Cheapest Pet Insurance in Utah
In Utah, Lemonade offers the cheapest dog insurance at $49 per month or $591 per year. For cats, Pumpkin provides the most affordable coverage at $21 monthly or $247 annually.
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Dog or Cat:Dog
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Pet Age Group:Middle Aged
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$500
| Lemonade | $49 | $591 | -29% |
| ASPCA | $55 | $664 | -20% |
| Pets Best | $60 | $719 | -14% |
| Pumpkin | $60 | $719 | -14% |
| Figo | $62 | $751 | -10% |
| Met Life | $63 | $753 | -10% |
| Rainwalk | $63 | $759 | -9% |
| Hartville | $64 | $763 | -8% |
| Spot | $68 | $811 | -3% |
| AKC | $68 | $813 | -3% |
| Liberty Mutual | $75 | $892 | 7% |
| Embrace | $90 | $1,080 | 29% |
| Nationwide | $100 | $1,203 | 44% |
| Fetch | $100 | $1,204 | 44% |
Cheapest Utah Pet Insurance by Dog Breed
In Utah, Lemonade, Pumpkin and Pets Best offer the most affordable dog insurance across multiple breeds, with plans starting at $16 monthly.
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Breed:Affenpinscher
| Pets Best | $27 | $321 | -50% |
| Lemonade | $30 | $362 | -43% |
| Pumpkin | $36 | $427 | -33% |
| ASPCA | $39 | $468 | -26% |
| Rainwalk | $43 | $513 | -19% |
Cheapest Utah Pet Insurance by Cat Breed
In Utah, Pets Best (13 wins), Lemonade (8 wins) and Pumpkin (8 wins) offer the most affordable cat insurance across breeds. Monthly premiums start at $14 for standard coverage.
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Breed:Abyssinian
| Lemonade | $24 | $288 | -55% |
| Figo | $27 | $321 | -50% |
| Hartville | $30 | $350 | -45% |
| Spot | $30 | $360 | -43% |
| Pets Best | $31 | $373 | -41% |
How Much Is Pet Insurance in Utah?
Utah pet insurance costs average $86 monthly for dogs and $44 for cats. These rates are about 4% lower than the national average for both types of pets, making coverage in the Beehive State relatively affordable.
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Annual Limit:$5,000
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Deductible:$500
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Reimbursement %:80%
| Cat | $44 | $524 | -4% |
| Dog | $86 | $1,033 | -4% |
How to Get the Best Cheap Pet Insurance in Utah
Finding the best cheap provider and coverage plan in Utah can be difficult. Want to find great pet insurance? Here's how to nail this decision:
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Evaluate Your Pet's Coverage Needs First
Start by listing your pet's specific health risks and potential future medical needs. Consider how much you can afford in monthly premiums versus out-of-pocket expenses.
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Look for Available Insurance Discounts
Research special offers like a multi-pet plan or annual payment discounts. Many Utah insurers offer discounts for military families and for spayed or neutered pets.
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Check Insurance Company Ratings
Review customer feedback and ratings for Utah pet insurance providers. Focus on companies known for paying claims promptly and providing good customer service.
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Get Multiple Insurance Quotes
Request quotes from at least three pet insurance companies for the same coverage level. Make sure to compare deductibles, reimbursement rates and annual limits to find the best value.
- 5
Review Your Policy Annually
Set a yearly reminder to check for better rates and coverage options. Pet insurance costs rise as pets age, so annual comparisons help keep coverage affordable.
Best Pet Insurance in Utah: Bottom Line
Lemonade is our top pick for pet insurance in Utah, while Pumpkin offers the most affordable coverage for cat owners. While Lemonade stands out for overall quality and competitive dog insurance rates, you'll find the best deal for your cat with Pumpkin. Compare coverage options and quotes from both companies to find the right fit for your pet's needs.
Pet Insurance in Utah: FAQ
Here are expert answers to frequently asked questions about Utah pet insurance:
What are the best pet insurance companies in Utah?
Pet owners in Utah have excellent insurance options available. Leading providers include Lemonade, Pumpkin, Spot, Rainwalk and Pets Best for comprehensive coverage and reliable service.
Which company has the cheapest pet insurance in Utah?
Pumpkin, Hartville, Lemonade and ASPCA provide some of the most affordable pet insurance in Utah. Monthly premiums begin at $49 for dogs and $21 for cats.
How much is pet insurance in Utah?
In Utah, pet insurance costs around $524 annually for cats and $1,033 for dogs. Annual premiums across the state can range from $65 to $12,739, 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' financial strength ratings and customer reviews. Get quotes from at least three reputable companies and compare coverage limits, deductibles and exclusions to find the best value.
How We Found the Best and Cheapest Pet Insurance in Utah
We researched all 20 major pet insurance providers in the United States, compared their policies and gathered quotes for Utah 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Trustpilot. "Lemonade Reviews." Accessed September 15, 2025.