Best Pet Insurance Companies In Idaho For 2024

Our team of pet insurance experts obtained quotes from 18 different pet insurance providers to determine which one offered the most comprehensive coverage across different scenarios. After thorough analysis, Lemonade Pet Insurance stood out as the top choice among the pet insurance carriers in Idaho.

Lemonade impressed with its competitive rates and extensive coverage options. Although Lemonade emerged as the leader in our assessment, there are other companies that also performed well in their specific categories.

In the following sections of this guide, we will explore some of the top-rated pet insurance providers in Idaho and discuss how different factors can influence insurance rates.

Largest Pet Insurance Companies In The United States

Average Cost Of Pet Insurance In Idaho

Average Cost In Idaho — By Dog Breed

Average Cost In Idaho — By Cat Breed

Average Cost In Idaho — Comprehensive Coverage

Average Cost In Idaho — Accidental-Only Coverage

How To Find The Best Pet Insurance Company For You

Acquiring pet insurance shares similarities with obtaining any other form of insurance coverage. While comparing rates is crucial, it’s equally important to understand the key components of pet insurance coverage before diving into the comparison process.

Most pet insurance companies offer coverage that extends solely to accidents, excluding illnesses and other health conditions. However, some carriers provide accident and forgiveness plans, each with its own set of benefits, making either option potentially suitable for you and your pet.

For younger pets, age-related illnesses, common in older pets, are less likely to occur. Therefore, an accident-only plan might be the preferable choice as younger pets are less susceptible to developing health conditions compared to older counterparts. Conversely, if your pet is deemed to be at high risk for specific health issues, opting for a comprehensive plan over accident-only coverage could prove advantageous.

Another factor to consider is the waiting period before insurance benefits become active and start covering expenses. Waiting periods for illnesses or accidents can vary among pet insurance companies. Understanding the duration of a carrier’s waiting period is essential before finalizing the purchase of a policy.

This knowledge ensures that you’re fully informed and can make the most suitable decision for your pet’s health and your budget.

Things That Have An Impact On The Cost Of A Pet Insurance Policy In Idaho

Many pet owners believe that pet insurance rates are determined by only a couple of factors, but in reality, several elements influence the cost of pet coverage. Here are some key components:

Age

The age of your pet is a significant factor in determining pet insurance rates. While some companies offer coverage for pets of all ages, others may have restrictions or higher premiums for older pets. It’s important to consider the age of your pet when shopping for insurance.

Breed

The breed of your pet can also impact the cost of pet insurance. Certain breeds are prone to specific health issues, which may result in higher premiums. For example, breeds like Bulldogs and Boxers are known to have sinus problems and skin issues, leading to increased insurance costs.

Type of Insurance

Pet insurance typically offers two types of coverage: accident-only or comprehensive coverage, including both accidents and illnesses. Comprehensive policies tend to have higher premiums compared to accident-only plans. When deciding on the type of coverage, consider the potential costs of veterinary care and whether comprehensive coverage is worth the higher premiums.

Location

While there’s generally no significant price difference between cities, some areas within a state may be considered higher risk due to a higher frequency of claims. It’s essential to be aware of any regional factors that may affect insurance rates when selecting a pet insurance provider.

Type of Pet

The type of pet you own also plays a role in determining insurance premiums. On average, dog owners can expect to pay 2-3 times more in premiums compared to cat owners. This is often because dogs tend to spend more time outdoors and are at a higher risk of accidents or illnesses. When insuring multiple pets, consider the potential cost savings of insuring them together under a multi-pet policy.

Once you’ve completed your research and are prepared to buy pet insurance from your preferred provider, remember that the type of pet you have will significantly impact the premiums you pay. Typically, dog owners can expect to pay 2-3 times more in premiums compared to cat owners. This price difference is mainly due to dogs spending more time outdoors, increasing their risk of accidents or illnesses compared to cats.

Pet Insurance Discounts In Idaho

The cost of pet insurance coverage, similar to other types of insurance, can vary depending on your location. However, there are ways to reduce premium costs, such as taking advantage of discounts offered by pet insurance companies.

These discounts can vary between carriers, so it’s beneficial to explore multiple options before making a decision. Here are some common discounts to consider:

• Animal care employee discounts
• Multi-policy discount
• Wholesale and special interest clubs discounts
• Online policy discounts
• Active and retired military discounts
• Special service animal discounts
• Employer sponsored discounts
• Multi-pet discount
• Employee union discounts
• Senior discounts

Idaho Pet Insurance Laws To Know

• As of January 20, 2022, Idaho Legislature requires dogs and cats to have a microchip. Before this, dog owners were required by law to have a license for their pets. With this new law, a license is no longer needed.
• H.B. NO. THIRTIETH LEGISLATURE, 2019. relating to animal cruelty. “BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF Idaho: The legislature finds that the continual tethering or chaining of dogs is a cruel and inhumane practice that endangers dogs as well as people.”