Pet Insurance Iowa: The Creme of the Crop

Reviews of Pet Insurance in Iowa.

6/1/20239 min read

Pet Insurance Iowa
Pet Insurance Iowa

Pet Insurance in Iowa: The Cream of the Crop

Evaluating Top Pet Insurance Providers in Iowa

The pet insurance market in Iowa boasts a variety of providers, each offering diverse plans and add-ons. It's crucial to gather quotes from multiple pet insurance providers before deciding. Here, we will examine some top providers and their sample premiums based on a mixed 4-year-old dog residing in Des Moines, Iowa:

  • Lemonade: $20 per month, 3 plans

  • Spot: $42 per month, 4 plans

  • Embrace: $27 per month, 2 plans

  • ASPCA: $41 per month, 4 plans

  • Fetch: $39 per month, 1 plan

  • Healthy Paws: $39 per month, 1 plan

  • Figo: $23 per month, 4 plans

These are sample premiums, and actual costs can vary based on factors like breed, age, and chosen coverage options.


Lemonade, a well-regarded pet insurance provider, offers three different plans to cater to the diverse needs of pet owners. With a monthly premium of $20 for a mixed 4-year-old dog in Des Moines, it is one of the more affordable options available in Iowa. Lemonade's plans are designed to provide substantial coverage for a variety of health issues, ensuring your pet is protected from unexpected health costs. Lemonade also stands out because it uses artificial intelligence and behavioral economics to offer quick and efficient services, making it a smart choice for tech-savvy pet owners.


Spot Pet Insurance, with a slightly higher monthly premium of $42, offers four comprehensive insurance plans. The plans cater to a wide range of needs, allowing pet owners to choose the best suitable coverage for their furry friends. Spot's standout feature is its flexibility; it allows pet owners to customize their coverage, deductible, and reimbursement amount. This flexibility makes Spot a provider that can effectively meet your pet's and your budget's specific needs.


Embrace Pet Insurance provides two robust plans with a monthly premium of $27. Their plans stand out for their comprehensive coverage, which includes breed-specific conditions, cancer treatment, chronic conditions, and even behavioral therapy. Embrace also offers a unique 'Healthy Pet Deductible' scheme, which reduces your annual deductible by $50 each year you don’t receive a claim reimbursement. This reward for healthy pets makes Embrace a great choice for those seeking value-added benefits.


With a monthly premium of $41 and four distinct plans, ASPCA Pet Health Insurance provides pet owners with a broad array of options. The ASPCA insurance program is known for its comprehensive coverage, encompassing accidents, illnesses, hereditary conditions, and behavioral issues. They also offer optional preventive care coverage at an additional cost, covering routine procedures like vaccinations and annual check-ups. With the ASPCA's strong reputation in animal welfare, pet owners can trust in their commitment to providing excellent pet care.


Fetch, with a monthly premium of $39, offers a single plan that aims to provide comprehensive coverage for your pet's health needs. Despite having only one plan, Fetch doesn't compromise on coverage, extending its benefits to cover treatments for accidents, illnesses, hereditary conditions, and even alternative therapies. Fetch's singular plan simplifies the decision-making process, making it an excellent choice for those seeking straightforward, comprehensive coverage.

Healthy Paws

Healthy Paws also offers a single plan for a monthly premium of $39. Known for its comprehensive, unlimited benefits policy, Healthy Paws stands out by offering no maximum limit on payouts for covered conditions. Their plan covers accidents, illnesses, hereditary conditions, and chronic conditions, ensuring your pet is protected regardless of their health issue. Healthy Paws might be an excellent choice for pet owners seeking comprehensive coverage with unlimited benefits.


Figo Pet Insurance offers four distinct plans with a relatively low monthly premium of $23. What sets Figo apart is its fully digital, cloud-based platform, which provides pet owners with easy access to their pet's medical records and other essential features. Figo’s coverage includes accidents, illnesses, hereditary and congenital conditions, and chronic conditions. Figo's commitment to technology and comprehensive coverage makes it an appealing choice for digitally inclined pet owners.

Cost of Pet Insurance in Iowa

The cost of pet insurance in Iowa can range between $13 and $67 per month for dogs and $8 and $34 per month for cats. Your monthly premium is influenced by several elements, including:

  • Customization: Opting for a higher deductible rate, a lower reimbursement rate, and a lower coverage cap can decrease your premium. For instance, selecting unlimited coverage, a $250 deductible, and a 90% reimbursement rate with Fetch for a mixed-breed 4-year-old dog would yield a monthly premium of $94.30. However, reducing the coverage cap to $5,000, lowering the reimbursement rate to 70%, and increasing the deductible to $500 would result in a monthly premium of $26.94.

  • Breed: Certain dog breeds, such as German Shepherds, Golden Retrievers, and Boxers, are predisposed to specific types of cancer. Similarly, larger breeds are more susceptible to expensive-to-treat conditions like hip dysplasia, making them pricier to insure.

  • Species: Dog insurance is typically costlier than cat insurance due to the higher frequency of health conditions as dog age.

  • Discounts: Providers like Lemonade, ASPCA, and Embrace offer discounted rates for insuring multiple pets. Additional discounts are available for military members, those who have adopted pets, and customers who go each year without making a claim.

Essential FAQs on Pet Insurance in Iowa

Is pet insurance in Iowa worth the cost?

Pet owners often find reassurance in knowing they are covered for unexpected pet healthcare costs. With Americans spending over $32 billion in 2020 on veterinary care and services, pet insurance can be a wise investment for many pet owners.

How does pet insurance work?

Pet insurance works by customers paying a monthly or annual premium to an insurance provider. The provider then reimburses the pet owner for health expenses covered under the policy. Typically, policies cover accidents and, often, unexpected illnesses. Coverage caps limit how much you can be reimbursed per incident, month, or year, and a deductible determines how much you must pay out-of-pocket before your insurance begins to reimburse you.

Many pet insurance plans also offer add-on options to cover routine care and preventative costs like annual exams, dental cleanings, and vaccines. However, standard pet insurance policies do not cover these routine care costs.

When does coverage begin?

All pet insurance companies have a waiting period before coverage begins to prevent fraudulent attempts. For instance, Lemonade and Embrace offer a short two-day waiting period for accidents, while companies like Fetch and Healthy Paws require customers to wait at least two weeks before coverage can commence. Remember, pet insurance companies do not cover accidents or illnesses that existed before the policy's purchase.

Concluding Thoughts

When considering the price and diverse add-on options, Lemonade may be a fitting choice. On the other hand, Embrace offers a broader range of deductibles and credits for healthy pets. If your pet requires behavioral or alternative treatments, Fetch provides coverage for various therapies.

Our Review Methodology

We aim to provide thorough, in-depth reviews of each product or service in our content. We strive to build trust with our readers through transparency, accuracy, and accountability. We've developed a detailed rating system to score pet insurance brands, incorporating the following factors with their respective scoring weights:

  • Coverage (25)

  • Plan options (20)

  • Monthly cost (20)

  • Company reputation (15)

  • Customer service (10)

  • Species eligibility (10)

Our researchers diligently keep all data in each company’s score up-to-date, ensuring the most accurate information on relevant metrics such as plan options, customer service, reputation, and monthly cost.

1. What is pet insurance and how does it work in Iowa?

Pet insurance is a type of coverage that helps protect pet owners from unexpected veterinary costs. It works by reimbursing a portion of the eligible expenses incurred for veterinary care, such as surgeries, medications, and treatments.

2. Why should I consider getting pet insurance in Iowa?

Pet insurance provides financial assistance when your pet requires medical attention. It can help ease the burden of unexpected expenses and ensure your pet receives the necessary care without putting a strain on your budget.

3. What does pet insurance in Iowa typically cover?

Pet insurance coverage in Iowa varies among different providers. However, most policies cover accidents, illnesses, diagnostic tests, surgeries, medications, and emergency care. Some plans may also offer additional coverage for routine check-ups and preventive care.

4. Are there any exclusions or limitations in pet insurance policies in Iowa?

Yes, pet insurance policies often have exclusions and limitations. These can include pre-existing conditions, hereditary or congenital conditions, cosmetic procedures, behavioral issues, and certain breed-specific conditions. It's important to review the policy details to understand what is covered and excluded.

5. Can I choose any veterinarian in Iowa with pet insurance?

Most pet insurance policies allow you to visit any licensed veterinarian in Iowa. However, it's always recommended to check with the insurance provider to ensure your preferred veterinarian is within their network or if there are any specific requirements.

6. Are there waiting periods for coverage to begin in pet insurance policies in Iowa?

Yes, pet insurance policies typically have waiting periods before coverage becomes effective. This helps prevent fraudulent claims. Waiting periods can vary depending on the policy and the type of condition being treated.

7. Can I get pet insurance for older pets in Iowa?

Yes, many pet insurance providers in Iowa offer coverage for older pets. However, the availability and terms may vary among providers. Some policies may have age restrictions or require a medical exam before providing coverage.

8. How are pet insurance premiums determined in Iowa?

Pet insurance premiums in Iowa are determined based on various factors, including your pet's age, breed, location, and the coverage options you choose. The premiums may also vary depending on the insurance provider and the specific policy.

9. Can I get a multi-pet discount with pet insurance in Iowa?

Yes, some pet insurance providers offer multi-pet discounts in Iowa. If you have multiple pets and insure them under the same policy, you may be eligible for a discounted premium.

10. Is there a deductible in pet insurance policies in Iowa?

Yes, pet insurance policies typically have a deductible. This is the amount you need to pay out of pocket before the insurance coverage kicks in. Deductibles can be annual or per-incident, depending on the policy.

11. How are claims handled with pet insurance in Iowa?

To make a claim, you usually need to submit the veterinary bills and any other required documentation to the insurance provider. The provider will review the claim and reimburse you for the eligible expenses based on the policy terms.

12. Are there any pet insurance providers specifically serving Iowa?

Yes, there are several pet insurance providers that serve Iowa residents. Some well-known providers include Nationwide, Trupanion, ASPCA, Embrace, and Healthy Paws. It's recommended to research and compare different providers to find the best fit for your needs.

13. Can I customize my pet insurance coverage in Iowa?

Some pet insurance providers in Iowa offer customizable coverage options. You may be able to choose the deductible amount, reimbursement percentage, and additional coverage options based on your preferences and budget.

14. Can I add wellness or preventive care coverage to my pet insurance policy in Iowa?

Yes, some pet insurance providers offer optional wellness or preventive care coverage. This can include routine check-ups, vaccinations, dental care, and flea prevention. Adding this coverage may require an additional premium.

15. Can I use my pet insurance for emergency veterinary care in Iowa?

Yes, pet insurance covers emergency veterinary care in Iowa. It helps reimburse a portion of the eligible expenses incurred during emergency situations, such as accidents or sudden illnesses.

16. Is pet insurance in Iowa only for cats and dogs?

While cats and dogs are the most commonly insured pets, pet insurance in Iowa may also be available for other animals, such as birds, rabbits, reptiles, and small mammals. It's best to check with the insurance provider for specific coverage options.

17. Can I get pet insurance for my pet if it has a pre-existing condition in Iowa?

Most pet insurance policies in Iowa do not cover pre-existing conditions. A pre-existing condition is an illness or injury that your pet had before the insurance policy was purchased. It's important to disclose any pre-existing conditions when applying for coverage.

18. Can I cancel my pet insurance policy in Iowa if I change my mind?

Yes, you can usually cancel your pet insurance policy in Iowa if you change your mind. However, the cancellation process and any applicable fees or refunds may vary depending on the insurance provider and the specific policy terms.

19. Will my pet insurance premium increase if I make a claim in Iowa?

Making a claim does not automatically result in a premium increase. However, insurance premiums can be subject to periodic adjustments based on factors such as your pet's age, claims history, and overall cost of veterinary care in your area.

20. Does pet insurance cover spaying or neutering in Iowa?

Some pet insurance providers in Iowa may offer coverage for spaying or neutering procedures as part of their optional wellness or preventive care coverage. It's important to review the policy details to confirm if this is included.

21. Can I get pet insurance for my pet if it has a chronic condition in Iowa?

Pet insurance providers may offer coverage for chronic conditions in Iowa, but it typically depends on the specific condition and policy terms. Some providers may cover ongoing treatment and management of chronic conditions, while others may have restrictions or waiting periods.

22. Can I transfer my pet insurance policy if I move to a different state from Iowa?

Yes, most pet insurance policies can be transferred if you move to a different state. However, there may be certain limitations or requirements associated with the transfer. It's advisable to contact your insurance provider for guidance.

23. Are there any government programs that offer pet insurance assistance in Iowa?

There are currently no known government programs in Iowa specifically offering pet insurance assistance. However, some nonprofit organizations or local animal shelters may provide resources or financial aid for veterinary care. It's worth researching local options if you need assistance.

24. Does pet insurance cover alternative therapies like acupuncture or chiropractic treatments in Iowa?

Some pet insurance providers may offer coverage for alternative therapies, such as acupuncture or chiropractic treatments, as optional add-ons. However, reviewing the policy details and checking with the insurance provider for specific coverage options in Iowa is important.

25. How can I find the right pet insurance policy in Iowa?

To find the right pet insurance policy in Iowa, you can start by researching different providers and comparing their coverage options, premiums, deductibles, and customer reviews. It's also beneficial to consult with your veterinarian for recommendations or insights based on their experience with different insurance companies.