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: December 4, 2025
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Key Takeaways
Lemonade leads Utah pet insurance with plans starting at $9 monthly. You get affordable rates and reliable customer support.
Dog owners in Utah pay $49 monthly for Lemonade's most affordable coverage, while cat owners pay $21 through Pumpkin.
Comparing providers helps you match plans to your pet's needs and budget while balancing cost and coverage.
Best Pet Insurance Companies in Utah
Data filtered by:
Dog
Middle Aged
$5,000
80%
$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 Points
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
AKC ranks highest for most Utah dog breeds, while Rainwalk, Lemonade and Pets Best top the list for certain breeds. Check which company matches your dog's needs.
Data filtered by:
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 ranks highest for most cat breeds in Utah, while AKC is a solid choice for certain breeds. Check the list below to see which company offers the best coverage for your cat.
Data filtered by:
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.
Data filtered by:
Dog
Middle Aged
$5,000
80%
$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.
Data filtered by:
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.
Data filtered by:
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 averages $86 monthly for dogs and $44 for cats. These rates run 4% below the national average for both pet types, making Beehive State coverage relatively affordable.
Data filtered by:
$5,000
$500
80%
| Cat | $44 | $524 | -4% |
| Dog | $86 | $1,033 | -4% |
How to Get the Best Cheap Pet Insurance in Utah
Finding cheap Utah pet insurance feels tricky, but knowing what to look for makes it easier:
- 1Evaluate Your Pet's Coverage Needs First
Consider your pet's health risks and possible future medical care. Balance monthly payments with comfortable out-of-pocket spending.
- 2Check for Discounts
Search for multi-pet plan deals or annual payment savings. Some Utah insurers cut rates for military families or spayed/neutered pets.
- 3Review Company Ratings
Read Utah pet insurance provider reviews and ratings. Focus on companies with strong track records for fast claims and helpful support.
- 4Compare Quotes
Request quotes from at least three companies using identical coverage details. Comparing deductibles, reimbursement rates and annual limits reveals the best budget value.
- 5Revisit Your Policy Each Year
Check your plan annually for better options. Premiums climb as pets age, so yearly reviews keep coverage cost-effective.
Best Pet Insurance in Utah: Bottom Line
Lemonade tops Utah pet insurance, while Pumpkin charges the lowest cat rates. Lemonade delivers strong overall value and affordable dog coverage, but cat owners get better deals through Pumpkin. Compare both companies' coverage and quotes to find what works for your pet.
Pet Insurance in Utah: FAQ
We answer common questions about Utah pet insurance:
What are the best pet insurance companies in Utah?
Utah pet owners have excellent insurance options. Top 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 charge the lowest Utah pet insurance rates. Monthly premiums start at $49 for dogs and $21 for cats.
How much is pet insurance in Utah?
Pet insurance in Utah costs about $524 per year for cats and $1,033 for dogs. Depending on your coverage and your pet’s details, annual premiums can range from $65 to $12,739.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Trustpilot. "Lemonade Reviews." Accessed December 6, 2025.