People who buy pet insurance know that while their cherished dogs and cats may be healthy today, emergencies can strike at any time. Urgent care is expensive, and those high costs can make an already stressful situation worse. That is why so many pet owners look to insurance for crucial financial support. To help you in your search for finding the right coverage for your cat or dog, we have found the 6 best pet insurance companies for Iowa residents.
5 Top Dog & Cat Insurance Companies Compared for Iowa
Why it’s great: With affordable rates, comprehensive accident and illness coverage and wellness packages, Lemonade ranks best overall amongst pet insurance companies. They also feature a user-friendly claims process on their impressive mobile app. What’s more, they have a mere 2-day waiting period for accidents, whereas most of their competitors require 14-30 days or longer. Pet parents will appreciate that they can bundle their cat or dog insurance with renters or homeowners policy for an extra discount.
Keep in mind: If your pet is older or has pre-existing conditions, you may need to submit veterinary documentation attesting to your pet’s medical history before your policy can become active.
Good for: Almost all cats and dogs, especially young and healthy.
Average price for DOGS in Iowa: $22.75/month
Average price for CATS in Iowa: $11.00/month
(Best for wellness)
Why it’s great: Wagmo offers several wellness plan add-ons, and they will even pay up to 100% of vet fees for the remainder of the year once you have met your annual deductible. They also have speed reimbursements via direct deposit, Venmo or PayPal and allow pet owners to take their cats and dogs to the veterinarians of their choice. Discounts are available for those with multiple pets or who have policy renewals without claims from the previous year.
Keep in mind: Wagmo’s maximum lifetime benefit payout is capped at $100,000, at which point your pet will no longer be eligible for coverage.
Good for: Pet parents who prefer a mix of wellness and emergency care coverage.
Average price for DOGS in Iowa: $39.27/month
Average price for CATS in Iowa: $23.96/month
(Best for cats)
Why it’s great: Cat parents will be thrilled to know that Figo has some of the lowest monthly premiums for their feline friends. That said, Figo also has several other benefits that all pet owners will value, including live 24/7 veterinary support via their mobile app and unlimited lifetime benefits for all of their plans. Moreover, Figo has several wellness packages you can add to your policy––one of which even covers up to $250 in prescription food.
Keep in mind: Pre-existing conditions are not covered.
Good for: Pet owners who desire 24/7 veterinary support.
Average price for DOGS in Iowa: $30.34/month
Average price for CATS in Iowa: $15.31/month
(Best for pre-existing conditions)
Why it’s great: Pawp’s emergency fund will cover up to 6 pets within your household for only $24/month. The monthly flat fee includes unlimited 24/7 telehealth services with licensed veterinarians and pet expert consultations. Better yet, there are no credit checks, copays or deductibles, and they will pay your vet bills before you leave the veterinary clinic, thereby eliminating the claims and reimbursement process.
Keep in mind: The emergency fund only covers true emergencies as qualified by the virtual team of veterinarians. It also only covers one of your pets for a single vet bill of up to $3,000 per year.
Good for: Older pets or those with pre-existing conditions. An excellent supplement to a conventional pet insurance policy.
(Best established brand)
Why it’s great: With unlimited lifetime benefits and multiple pet discounts, it is easy to see how Embrace has become such an established brand. However, their perks do not stop there. Embrace also offers their customers “diminishing deductibles,” which means your deductible will drop $50 automatically upon renewal if you have not had any reimbursed claims in the year prior. Furthermore, their wellness plan provides coverage for alternative veterinary care such as massage therapy, reiki, acupuncture and chiropractic.
Keep in mind: Only pets up to 14 years old are eligible for coverage. For wellness package add-ons, the maximum combined claims total is $650 per year, which amounts to roughly $25 in annual savings. Embrace does not issue refunds for any unused funds in the wellness plans at the end of each year.
Good for: Pet parents seeking new age and alternative veterinary care.
Average price for DOGS in Iowa: $34.13/month
Average price for CATS in Iowa: $19.93/month
(Best pet healthshare community)
Why it’s great: Eusoh is not a pet insurance company. Instead, they offer community pet health plans, which have saved their members more than 50% compared with traditional pet insurance coverage. These community pet health plans reimburse for accident, illness and wellness-related expenses. Additional benefits include televet services provided by their partner FirstVet and freedom of choice when selecting a veterinarian.
Keep in mind: Eusoh is not a pet insurance company but rather an expense-sharing community. Their highest annual maximum reimbursement is $8,500, and their top reimbursement rate sits at 80%.
Good for: Pet parents that prefer healthshare communities.
Average price for DOGS in Iowa: $62.58/month
Average price for CATS in Iowa: $40.94/month
FAQs About Pet Insurance in Iowa
1. What does pet insurance typically cover for cats and dogs?
While coverage varies between providers, accidents and ailments that are sudden and catastrophic in nature will be covered. Such treatment and care include exams, tests, further diagnostics, medications, emergency care and surgery.
2. How much does pet insurance cost in Iowa?
Pet insurance in Iowa costs anywhere from $13.86 to $41.82 per month for dogs (based on prices for a healthy 2-year-old located in the 50304 zip code). And anywhere from $12.95 to $16.15 per month for cats (based on prices for a healthy 2-year-old located in the 50304 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 Lemonade who we’ve seen consistently offer the lowest prices and best coverage out of any other provider.
3. Can I cancel my dog or cat insurance plan after I make a claim?
You can usually cancel your pet insurance policy at any time as long as you do so in writing. Be sure to verify the appropriate steps with your provider, though. And keep in mind that should your pet have any condition diagnosed before you cancel your policy, it may be listed as a pre-existing condition and excluded from coverage should you wish to purchase pet insurance again in the future.
4. Do Iowa pet insurance companies cover spaying and neutering?
Pet insurance companies do not cover spaying and neutering. However, Embrace offers a wellness package to add to your policy to cover either of these procedures.
5. Does the cost of insurance increase as my pet ages?
Monthly premiums will increase as your pet grows older, particularly once they reach 4 or 5 years old. This is the insurance companies’ way of mitigating risk since the chance of your pet getting ill or having an accident increases as they age.
6. Which companies cover pre-existing conditions?
Pawp is the best for covering emergency care for pre-existing conditions, but Embrace will cover some pre-existing conditions that are qualified as curable. In contrast, most pet insurance companies do not cover pre-existing conditions. We suggest inquiring further with the providers mentioned above to understand better what they offer. That said, pre-existing conditions will not preclude your pet from getting insured.
7. Is pet insurance worth it in Iowa?
Pet insurance is worth it in Iowa since most animals will have veterinary emergencies and urgent care can be extremely costly. For example, hip replacement surgery can run as much as $7,000, cataract surgery $4,000 and cancer treatments $10,000. Pet insurance helps make otherwise prohibitively expensive treatment accessible, so your dog or cat can get the care they need.
We hope this article helps you discover the best pet insurance option for your dog or cat. We encourage you to review these companies’ services in more detail by contacting them directly before applying for coverage. After all, the right Iowa pet insurance policy for your little pal will work to keep them safe and healthy for many years to come.
In our experience, after careful review, we’ve consistently seen Lemonade 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 50304 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
- Lemonade = $20,000