Pet Insurance in Utah: Compare the Best Pet Insurance Companies and Most Affordable Quotes

Are you looking for pet insurance in Utah? MoneyGeek analyzed policy details, coverage options, and thousands of quotes to help pet owners find the best and most affordable insurance companies in Utah.

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Last Updated: 3/13/2022
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If you purchase the best pet insurance in Utah, you can save some money on veterinary care for your animal friend in the long run. Ample coverage can give peace of mind knowing that your pet’s medical bills will be covered in case of an emergency.

MoneyGeek’s research involved analyzing pet insurance providers data in Utah cities like West Jordan, Salt Lake City and West Valley City. We used our findings to measure the average cost of pet insurance in the state and outline the perks and benefits you can get from the available options.

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The Best Pet Insurance Companies in Utah

Pet insurance costs vary depending on the age, breed and medical record of your animal friend. Shopping around for quotes can help you secure the best coverage at affordable costs.

For this study, MoneyGeek collected quotes from Utah's insurance providers. We then used the data to analyze policy data and coverage options to identify the top pet insurance companies in the state. MoneyGeek considered affordability, product offerings and other factors to establish our rankings of the best pet insurance companies in Utah.

Best Overall Pet Insurance in Utah for Your Pet

Pets Best

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Covers exam fees

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Easy online claims submission tool

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Unlimited annual coverage plans

cons

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Does not cover end of life expenses

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Accident-only policy not customizable

COMPANY HIGHLIGHTS

MoneyGeek identified Pets Best as the overall best provider for pet insurance in Utah. Its policies cost an average of $26.93 per month and cover accidents, illness and routine care.

Pets Best policies do not have an upper age limit on accidents and illness plans, which allows you to insure any of your pets without a hassle. The policy also includes a one-time annual deductible and offers chiropractic and acupuncture treatment.

Utah residents with a policy from Pets Best can file claims online and get the necessary support at any time through the provider’s hotline.

Best Pet Insurance Company in Utah: Unlimited Coverage

Pets Best

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Unlimited annual plans

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Quick access to pet benefits information

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Does not cover herbal and holistic diagnosis and treatment

COMPANY HIGHLIGHTS

MoneyGeek’s top pick for the company that provides unlimited pet insurance coverage in Utah is Pets Best. The company provides policies with unlimited annual coverage plans — you won’t need to worry about getting stuck with unsettled veterinary care bills.

Policies with unlimited coverage ensure your pet’s medical costs are completely covered, but they are more expensive than other insurance options. Utah pet owners pay an average of $34.08 per month for unlimited coverage from Pets Best. These costs cover veterinary bills for unexpected incidents like emergencies and illnesses.

Best Pet Insurance Company in Utah: Affordable Coverage

Pets Best

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Covers exam fees

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Flat rate for accident-only and wellness coverage

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Low costs on basic plans

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Alternative care coverage limited to elite plan

COMPANY HIGHLIGHTS

MoneyGeek’s best choice for cheap pet insurance in Utah is also Pets Best. Utah pet owners pay an average of $19.79 per month per pet for this provider's basic policies.

Pets Best also provides accident-only coverage meant for pet owners on a limited budget seeking coverage for things like broken legs, accidental swallowing of items and similar incidents. This coverage does not include issues like illness or cancer.

This provider allows you to customize your plan based on need. Utah pet owners can choose from an essential plan, which is the most basic, to the elite plan, for more protection.

Best Pet Insurance Company in Utah: Multiple Pets

Pets Best

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No upper age limit on pets

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Potential multiple pets discount

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Excludes end-of-life expenses

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Has only two annual limit options

COMPANY HIGHLIGHTS

MoneyGeek’s top insurer for individuals with multiple pets is, again, Pets Best. Pet owners pay an average of $24.24 per month for multi-pet policies from Pets Best. The policy covers accidents, prescriptive medications, illnesses, cancer and more.

This provider offers a 5% multi-pet discount for individuals who add multiple pets to the same plan. With Pets Best, you can also file claims and get the necessary veterinary advice any time from the company’s online tool.

Best Pet Insurance Company in Utah: Cats

Embrace

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Multi-pet discount

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Provides wellness reward plans

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Covers exam and consultation fees

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Coverage has annual limits

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Excludes pre-existing conditions

COMPANY HIGHLIGHTS

MoneyGeek’s top pick for the best pet insurance company in Utah for cats is Embrace. Generally, cat insurance costs less than dog insurance, so it benefits cat owners to seek coverage specifically for their feline friends.

Embrace's policies cover breed-specific, congenital and chronic conditions, as well as associated costs like consultation and exam fees, diagnostic testing and specialized care. This provider's policies cost an average of $16.01 per month.

Embrace also offers discounts for Utah residents seeking insurance for more than one pet. Policies do not have a lifetime maximum payout but include annual coverage limits.

Best Pets Insurance in Utah Ranking Summary

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  • Ranking
    Winner
    Avg. Monthly Cost
  • Overall
    Pets Best
    $27
  • Unlimited Coverage
    Pets Best
    $34
  • Affordable Coverage
    Pets Best
    $20
  • Multiple Pets
    Pets Best
    $24
  • Cats
    Embrace
    $16

What Is the Average Cost of Pet Insurance Cost for Dogs and Cats in Utah?

The average cost of pet insurance in Utah varies with location and coverage limits. Premiums also depend on the age and breed of your furry friend.

On average, the cost of dog insurance in Utah for a policy with $5,000 as the coverage limit is $27.92 per month, while a policy with a $10,000 coverage limit costs $49.43 per month. For unlimited coverage, you will pay an average of $53.64 per month.

It is much cheaper to insure cats over dogs in Utah. Residents pay an average of $15.33 per month for a policy with $5,000 as the coverage limit, $24.85 for $10,000 and $37.62 per month for unlimited coverage.

Pet insurance rates also vary based on the deductible amount, your pet’s age and additional features you include on your policy. Since insurers use these factors differently to determine their rates, you should compare quotes before purchasing any pet insurance policies to identify the best deals.

Average Monthly Cost of Pet Insurance in Utah

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  • Pet Insurance Policy
    $5k Coverage
    $10k Coverage
    Unlimited
  • Average Cost for a Dog
    $28
    $49
    $54
  • Average Cost for a Cat
    $15
    $25
    $38
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HOW MUCH PET INSURANCE DO YOU NEED IN UTAH?

For the average pet insurance buyer in Utah, MoneyGeek recommends policies with a limit between $5,000 and $10,000 plus 80% reimbursement. Policies that fall within this range provide the necessary protection for your pet in case of incidents such as accidents and emergencies.

Compare the Cheapest Pet Insurance Quotes in Utah

In Utah, some residents prefer to purchase cheap pet insurance to pay low monthly premiums, although this coverage comes with lower limits. Other pet owners prefer more comprehensive policies with higher limits.

Policies with low limits can benefit households with healthy, young pets. While policies with higher limits cost more, they better suit households with aged pets and animals at risk of developing serious health conditions.

MoneyGeek compared the cost of pet insurance in Utah to help you secure the best policy for your needs. Typical options in the state have the following features:

  • Annual Reimbursement Limits: Ranges from $3,000 to unlimited
  • Deductible: $250 to $500, although some providers feature higher or lower options
  • Bill Reimbursement Percentage: 70% to 90%

The table below summarizes MoneyGeek’s scores for the cheapest pet insurance in Utah by coverage level.

Cheapest Pet Insurance in Utah by Coverage Level

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  • Maximum Policy Coverage
    Winner: Cheapest Policy
    Avg Cost
  • $5,000
    Pets Best
    $20
  • $10,000
    GEICO
    $41
  • Unlimited
    Pets Best
    $34

To keep your pet insurance premiums low, you can choose a policy with a low annual maximum, high deductible and low reimbursement rate. The following table provides a comparison of prices by company for policies with a $5,000 coverage limit, $500 deductible, and 80% reimbursement in Utah.

Cheapest Low Coverage: $5k Annual Maximum / 80% / $500 Deductible

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  • Pet Insurance Company
    Low Coverage Monthly Cost
  • Pets Best
    $20
  • Pet Plan
    $20
  • Spot
    $26
  • ASPCA
    $26
  • Hartville
    $26
  • GEICO
    $29
  • Embrace
    $29
  • Figo
    $35
  • 24 Pet Watch
    $42
Cheapest Average Coverage: $10k Annual Maximum / 80% / $250 Deductible

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  • Pet Insurance Company
    Average Coverage Monthly Cost
  • GEICO
    $41
  • Embrace
    $41
  • ASPCA
    $49
  • Hartville
    $49
  • Spot
    $49
  • Figo
    $50
  • 24 Pet Watch
    $55
  • Nationwide
    $55
  • Pumpkin
    $57
Cheapest Unlimited Coverage: Unlimited Maximum / 90% / $250 Deductible

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  • Pet Insurance Company
    Unlimited Coverage Monthly Cost
  • Pets Best
    $34
  • Healthy Paws
    $39
  • Trupanion
    $48
  • Pet Plan
    $56
  • Figo
    $66
  • Spot
    $78

The Best Cheap Pet Insurance by City in Utah

Your location also influences costs for pet insurance in Utah. Veterinary care costs are higher in some cities than others, for example.

Cities with a higher-than-average cost of living typically charge more for veterinary care, resulting in higher premiums. Places that are prone to weather hazards and environmental emergencies also typically apply higher premiums.

Best Cheap Pet Insurance Companies by City
  • City
    Coverage Level and Average Monthly Rate
  • Provo
    $5k: Pets Best, $20
    Unlimited: Pets Best, $34
    $10k: ASPCA, $39
    $10k: Hartville, $39
    $10k: Spot, $39
  • Salt Lake City
    $5k: Pets Best, $19
    Unlimited: Pets Best, $33
    $10k: Embrace, $42
  • West Jordan
    $5k: Pet Plan, $20
    Unlimited: Pets Best, $36
    $10k: Embrace, $37
  • West Valley City
    $5k: Pets Best, $19
    Unlimited: Pets Best, $33
    $10k: Embrace, $37

MoneyGeek used city-based data in Utah by gathering quotes for $10k coverage, 80% reimbursement, and $250 deductible for a 1-year-old Goldendoodle.

What Factors Impact Pet Insurance Cost in Utah?

The amount you pay for pet insurance depends on factors like your pet’s age and breed, along with your location and coverage level. You can customize available policy options based on your budget and insurance needs.

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    Annual Reimbursement Limits

    This figure refers to the amount paid by your insurer to cover your pet’s medical costs. These limits generally range from $3,000 up to unlimited coverage.

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    Deductible

    Deductible amounts start at $250 and may be as high as $500. Policies with lower deductibles usually have higher premiums, while those with lower premiums apply higher deductible amounts.

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    Bill Reimbursement Percentage

    This term relates to the amount your insurer pays for your pet’s medical bills. For example, if you reach your deductible limit and receive a $1,000 bill with a 90% reimbursement rate, you will pay the vet $100 as 10% of the bill.

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    Breed

    Insurance costs also vary depending on the type of pet. Dog insurance in Utah is more expensive than policies for cats. Rates also increase for larger breeds and animals with health conditions.

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    Animal Age

    Pet insurance rates vary depending on age. Pet owners pay more for older breeds due to increased health concerns.

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    Location

    Your rates may increase if you live in a city with high living costs or an area with high traffic density or harsh weather conditions.

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    Multi-Pet Discounts

    If you add more than one pet to your policy, you can often receive a discount from your insurer.

FAQ’s About Pet Insurance in Utah

MoneyGeek's Rating Methodology for Pet Insurance

MoneyGeek believes that data helps to make informed financial decisions. For this study, our data team collected thousands of pet insurance quotes from providers within Utah.

MoneyGeek used a detailed ranking system to establish the best pet insurance companies in Utah, outlining their costs and product offerings. We obtained the rating scores by weighting affordability data by coverage level at 50% of the total score and the 24 qualitative research policy option data points at 50%.

To determine the cheapest pet insurance companies in Utah, MoneyGeek collected quotes from several companies across zip codes in the state for the following types of coverage:

  • Low Coverage: $5,000 coverage, $500 deductible, 80% reimbursement
  • Average Coverage: $10,000 coverage, $250 deductible, 80% reimbursement
  • High Coverage: Unlimited coverage, $250 deductible, 90% reimbursement

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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