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5 Best Idaho Pet Insurance for Dogs & Cats (2022 Reviews)

Dogs walking foothills in Idaho
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Our pets, family members through and through. They give us endless joy and devotion. You’ve found this article about pet insurance so chances are, you are our kind of person. Pet parents who want to do right by their dog or cat, and over their lifetime, that may include handling medical emergencies when they come up.

As a pet owner, you know how expensive veterinary care can be as well as distressing to you and your pet. What if you could have some support, a financial buffer if you will when unexpected accidents and injuries happen? We’ve researched the best pet insurance companies for Idaho residents so you can decide the best option for your cat or dog.

Dog walking in the idaho mountains
Doggy wants to carry his own weight ;)

5 Top Dog & Cat Insurance Companies Compared for Idaho

  • 1. Wagmo

    (Best Overall)

    Why it’s great: Idaho pet parents – meet your deductible and Wagmo will reimburse up to 100% of vet fees for the rest of the year. They’ll reimburse you quickly through direct deposit, PayPal or Venmo. Wagmo also has a wide range of wellness plans that you can add to your policy. If you have more than one pet, you can get a discount on pet insurance. There is also a discount on policy renewal if you did not have any claims the prior year. You can use your existing veterinarian as the plans allow you to see any licensed vet.

    Keep in mind: Wagmo does have a limit of $100,000 in payouts over the life of the pet so if you were to reach that, the coverage would end.

    Good for: Pet parents who want a great combo of wellness and health care plans. 

    Average price for DOGS in Idaho: $40.09/month 

    Average price for CATS in Idaho: $24.43/month 

  • 2. Figo

    (Best for cats)

    Why it’s great: Figo has some of the lowest rates for cats. Medical emergencies don’t always occur during business hours so they offer live, 24/7 veterinary support through their mobile app. They have several wellness packages that can be added to a policy, including one option that pays for up to $250 of prescription food when authorized by a vet. Figo does not have a lifetime maximum payout limit so your pet can take advantage of unlimited benefits.

    Keep in mind: Like many pet insurance companies, Figo will not reimburse for services related to pre-existing conditions

    Good for: Pet owners who want the added comfort of reaching a vet 24/7 and having the benefit covered under insurance. 

    Average price for DOGS in Idaho: $40.30/month 

    Average price for CATS in Idaho: $25.38/month 

  • 3. Pawp

    (Best for pre-existing conditions)

    Why it’s great: Pawp will protect up to 6 pets under an emergency fund regardless of age, breed or pre-existing conditions. The fund included unlimited 24/7 access to telehealth services with a licensed veterinarian or consultations with pet experts. Pet owners can still use any licensed vet of their choosing. You will leave the vet visit with the bill paid in full, and there are no copays, deductibles or credit checks.

    Keep in mind: Pawp will only cover claims which their virtual vets deem an emergency so trips to a vet clinic will need to be pre-authorized. Also, the emergency fund plan will only cover one pet for a single vet bill up to $3,000 annually.

    Good for: This might be used as a supplement to a typical pet insurance plan or used to cover older pets and/or those with pre-existing conditions. 

    Price: $24/month 

  • 4. Embrace

    (Best established brand)

    Why it’s great: Embrace is another insurance provider that does not have a maximum lifetime payout limit so it should cover your dog or cat well into their senior years. They offer a multi-pet discount as well as an optional routine care plan that covers spaying/neutering (many do not). Embrace has what they call “diminishing deductibles” meaning your annual deductible will drop by $50 every year that you do not make a claim against your policy. There is a unique wellness plan available that includes alternative veterinary treatments such as reiki, acupuncture, massage therapy, and chiropractic visits.

    Keep in mind: Their policies only cover pets up to 14 years old. If you do not use all of the wellness plan funds, they will not issue a refund nor will the funds roll over to the next year. The maximum amount of combined claims for the wellness add-on is $650/year, which still comes out to about $25 in annual savings.

    Good for: Pet parents who are open to alternative veterinary care. 

    Average price for DOGS in Idaho: $40.86/month 

    Average price for CATS in Idaho: $23.86/month 

  • 5. Eusoh

    (Best pet healthshare community)

    Why it’s great: Eusoh is not a pet insurance company, but their community health sharing plans can save members up to 50% on veterinary care compared with conventional insurance policies. With a community health sharing plan, you can expect to be reimbursed for expenses related to illness, accident or routine care. Extra perks include access to televet services via Eusoh’s partner FirstVet and the freedom to choose the right vet for your cat or dog.

    Keep in mind: Eusoh is not a pet insurance company but rather an “expense sharing community.” The highest rate of reimbursement is 80% with an annual maximum reimbursement amount of $8,500.

    Good for: Pet parents that prefer healthshare communities. 

    Average price for DOGS in Idaho: $62.58/month 

    Average price for CATS in Idaho: $40.94/month 

Best Overall

Wagmo is our overall top recommendation. It’s the most comprehensive pet insurance provider in Idaho and they also offer the best value.

Average price for DOGS in Idaho: $40.09/month 

Average price for CATS in Idaho: $24.43/month 

FAQs about Pet Insurance in Idaho

  • 1. What does pet insurance typically cover for dogs and cats?

    Your policy will give specific details on what is covered but in general, pet insurance plans cover new accidents and illnesses. These could require diagnostic tests such as x-rays or blood work, surgery, hospitalization, cancer treatments, prescription medication, or other items directly related to the injury or sickness.

  • 2. How much does pet insurance cost in Idaho?

    Pet insurance in Idaho costs anywhere from $16.57 to $66.24 per month for dogs (based on prices for a healthy 2-year-old located in the 83701 zip code). And anywhere from $17.77 to $25.38 per month for cats (based on prices for a healthy 2-year-old located in the 83701 zip code). Prices can vary greatly depending on your zip code, the breed of your pet, its age, and medical history.

    We recommend getting a quote from Wagmo who we’ve seen consistently offer the lowest prices and best coverage out of any other provider.

  • 3. Can I cancel my pet insurance plan after I make a claim?

    Most plans will let you cancel but it is important to know the fine print to avoid unexpected fees and to provide the cancellation in writing to the company. If your pet was treated for something under this insurance policy, it will likely be considered a pre-existing condition if you decide to reinstate the policy at a later date.

  • 4. Do Idaho pet insurance companies cover spay/neuter?

    Typically, pet insurance in Idaho does not cover spay/neuter procedures. However, check the wellness plan options as it may be available as an add-on like it is with Embrace.

  • 5. Does the cost of insurance increase as my pet ages?

    Just like when we get older and are more prone to accidents, your pets are, too; plus the longer you live, the greater likelihood that you will get sick. Insurance companies must take that risk into consideration when setting rates and begin to increase monthly premiums once a pet reaches 4-5 years of age.

  • 6. Which companies cover pre-existing conditions?

    Pre-existing conditions are another one of those health concerns that most insurance companies will not cover. One exception to the rule is Pawp as they will cover any emergency, even if your pet has been treated for it previously. Another company to look at is Embrace who may grant coverage to curable pre-existing conditions but that is something you would want to clarify with them in advance.

  • 7. Is dog or cat insurance worth it in Idaho?

    As many of us pet owners know, dogs and cats will eat things they shouldn’t, run around the house with the “crazies,” and get themselves into trouble often enough to warrant having some kind of protection. Over the lifetime of your pet, they may even become gravely ill. Medical costs for hip replacement surgery or cancer treatments are expensive. Think of pet insurance as a peace of mind plan; it gives you financial support when you need it most.

  • 8. What are some strategies to keep my pet safe in Idaho?

    Living in Idaho exposes your pets to hot and cold temperature swings. When the air turns bitter and snow is on the ground, make sure you wipe off your dog’s paws, legs and underbelly before they come into the house. This way they don’t have ice stuck between their toes and they aren’t bringing in salt or antifreeze on their paw pads. If your pet is open to a sweater or jacket, by all means dress them in this extra layer, but take it off once you are home so the cold, wet material is not on their skin.

    Higher temps pose their own set of problems as too much exercise can cause heat exhaustion and possibly lead to a heat stroke. It’s best to walk your dog before or after the sun goes down and check the pavement temperature before you set out. Pets should always have cool, clean water available. They should never be left in a car for any reason at any time, but especially in the summer when it is often 20 degrees warmer in a vehicle.


We hope this article has provided information that will help you choose the right pet insurance for your cat or dog. Review the details of each plan and their add-ons to make sure the policy will fit your needs. Buying the right Idaho pet insurance plan will give you stress-free years when unexpected accidents and illnesses occur so you can keep your pet happy and healthy for their lifetime.

In our experience, after careful review, we’ve consistently seen Wagmo has the best combination of coverage and price.

Note: Our prices listed above are accurate in January 2022 and may change at any time. Please get a quote for your pet on one of the recommended websites for the most accurate monthly costs. These prices are based on a Labrador Retriever dog and American Shorthair cat located in the 83701 zipcode. We chose a $500 deductible and 90% reimbursement amount for each policy we reviewed (except for Pawp). The annual benefit amount we selected for each provider is as follows:

  • Wagmo = $20,000
  • Figo = $5,000
  • Pawp = $3,000
  • Embrace = $5,000
  • Eusoh = $8,500