Best Pet Insurance Companies In Iowa For 2024

Lemonade Pet Insurance is my top choice for Iowa’s best pet insurance company.

min read
Updated: 12 March 2024
Written by
Doug Schaffer
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Our team of experienced pet insurance professionals got quotes from 18 pet insurance carriers to determine which carrier’s coverage was the best for a variety of situations. We found that of the pet insurers in Iowa, Lemonade Pet Insurance took first place. We gave Lemonade top marks for reasonably priced premiums, along with the best coverage overall. Our opinion was that Lemonade Pet Insurance is the best pet insurer in Iowa. Still, there are other companies that we also ranked highly, respectively of their categories.

Our team assembled some useful information about the top ranking pet insurance carriers in Iowa, as well as how certain factors can affect premiums, in the sections shown below.

Best Pet Insurance Companies In Iowa, 2024

Lemonade
Best Overall Coverage - Lemonade Pet Insurance
Lemonade
Best For Affordable Coverage - Lemonade Pet Insurance
Lemonade
Best For Owners Of Young Pets - Lemonade Pet Insurance
aspca
Best For New Pet Owners - ASPCA Pet Insurance
embraceicon-logo
Best For Cat Owners - Embrace Pet Insurance
Best Pet Insurance, Iowa 2024

Compare The Best Pet Insurance Companies In Iowa

Overall Rating Best For Average Annual Cost for Dogs Average Annual Cost for Cats Coverage Waiting Period Get A Quote
Lemonade Pet Insurance
4.7

Overall Coverage

$35.18

$18.41

2 days accidents and 14 days illnesses

Instant Quote
Pets Best
4.5

Owners Of Multiple Pets

$41.39

$29.54

3 days for accidents and 14 days for illnesses

Instant Quote
Lemonade Pet Insurance
4.7

Affordable Coverage

$35.18

$18.41

2 days accidents and 14 days illnesses

Instant Quote
ASPCA
4.6

New Pet Owners

$83.30

$38.67

Immediately for preventive care and 14 days illnesses and accidents

Instant Quote
Embrace
4.7

Cat Owners

$48.25

$20.44

48 hours for accidents and 14 days for illnesses

Instant Quote
Lemonade Pet Insurance
4.7

Owners Of Young Pets

$35.18

$18.41

2 days accidents and 14 days illnesses

Instant Quote
Scroll to see comparisons

Our Methodology

Our determination about which pet insurance company offers the most budget friendly coverage in Iowa was based on a variety of factors. We analyzed information from leading pet insurance carriers active in Iowa. We also made use of our combined 25 years of experience in the pet insurance industry to decide who was best overall. Insurance premiums might fluctuate one way or the other from day to day, so while the rates we show here were accurate when we put this guide together, they could be different now. Premiums might be based upon a pet's breed or age, among other deciding factors.

40

Quotes Analyzed

25+

Years Of Industry Experience

18

Brands Reviewed

32+

Research Hours

Pet Insurance Company Reviews


Best Overall Coverage

Overall Rating
4.7

Key Statistics

9/10 Affordability
9/10 Customer Reviews
8/10 Payouts
9/10 Coverage Level

Why We Like Them

There are numerous things to consider when determining that one pet insurance carrier is the best. Factors including customer service, the speed of claim processing, and cost must all be weighed and scrutinized. After these things and more were thoroughly researched, Lemonade Pet Insurance received our top-most ranking for pet insurers in Iowa.

Its economical protection offers rates as low as $10 per month for cats and dogs. All things considered, Lemonade comes out leading the pack of competitors in Iowa.

In addition to its low rates, pet owners in Iowa have given Lemonade glowing reviews in the area of customer service. Reviewers often also mention how Lemonade sincerely cares about pets, and that this care is reflected in their entire business.

Benefits & Drawbacks

Benefits
  • 2-day waiting period for accidents
  • Industry-leading claims processing department
  • Multiple discounts available
  • A portion of monthly premiums goes toward nonprofits
Drawbacks
  • Age restrictions for enrollment apply to certain pet breeds
  • Availability of policies is limited to specific states
  • Pet owner credit and claim history impact insurance rates

Best Affordable Coverage

Overall Rating
4.7

Key Statistics

9/10 Affordability
9/10 Customer Reviews
8/10 Payouts
9/10 Coverage Level

Why We Like Them

The majority of pet owners would probably like to have pet insurance. It protects owners financially, but it protects a pet’s health, too. It’s doubtful that any pet owner would want to have to make a decision about their pet’s medical treatment because of how much it would cost.

Some pet owners might not check into pet insurance because they think the price is exorbitant. But, as shown by Lemonade Pet Insurance premiums, coverage doesn’t have to cost a small fortune.

Cat owners in Iowa pay only about $28 per month, and dog owners pay an average of $48 per month. Rates are higher for senior pets.

Lemonade Pet Insurance offers various discounts that may help you save money on premiums. Bundling is a discount that lets customers bundle their coverage, insuring multiple pets at a discounted rate.

Bundling might lessen premiums by as much as 15%. Lemonade provides a mobile app that makes it quick and simple for pet owners to manage their pet insurance online, too.

Benefits & Drawbacks

Benefits
  • 2-day waiting period for accidents
  • Claims processing is quicker than many major competitors
  • Multiple discounts available
  • The company allocates a portion of the policyholder’s premium to nonprofits
Drawbacks
  • Certain pet breeds lose coverage eligibility after a specific age
  • Coverage limitations are based on your residing state
  • Pet owner credit and claim history play a role in determining insurance rates

Cheapest Rates For Owners Of Multiple Pets

Overall Rating
4.5

Key Statistics

8/10 Affordability
8/10 Customer Reviews
8/10 Payouts
9/10 Coverage Level

Why We Like Them

If you have multiple pets, there’s a good chance you already know that multiple pets equals multiple expenses. Food, toys, veterinary expenses–all of these expenses are multiplied by the number of pets you own.

But, having more than one pet might be a good thing when it comes to purchasing pet insurance coverage because a lot of pet insurance carriers offer discounts for coverage for multiple pets. One such company is Pets Best Pet Insurance, that offers  customers discounts on coverage of more than one pet.

In addition to its money saving discount for multi-pets, Pets Best Insurance offers affordable monthly rates. Monthly rates for cat insurance average around $29.54. Monthly premiums for dog insurance averages $41.79. This rate is based on the dog’s breed among other factors.

Pets Best has numerous benefits for policyholders, including such perks as a 24/7 vet helpline in emergencies, along with additional coverage for pets with disabilities or that require specialized prosthetic devices.

Benefits & Drawbacks

Benefits
  • Coverage includes pets requiring wheelchairs or prosthetic devices
  • Access to veterinary assistance is offered through the 24/7 vet healthline
  • Accident coverage entails a 3-day waiting period
  • There are adaptable coverage choices available for accident and illness policies
Drawbacks
  • The processing of claims often exhibits a slower pace compared to other competitors
  • Policy adjustments can only be made at the time of renewal

Cheapest Rates For Owners Of Young Pets

Overall Rating
4.7

Key Statistics

9/10 Affordability
9/10 Customer Reviews
8/10 Payouts
9/10 Coverage Level

Why We Like Them

A number of people want to adopt a young pet so that it can sort of grow up with the family, especially the children. The responsibilities that accompany these younger pets is often quite an endeavor. In addition to having a good training program, owners of young pets should think about having a pet insurance carrier that makes it easy and economical to obtain coverage for them.

Lemonade Pet Insurance is a blend of low cost premiums and pet owner friendly features. Customers get the benefits of a user-friendly mobile app along with high ranking customer service. Lemonade’s average monthly premiums of just $18 for cats and $35 for dogs is a smart and cost effective investment.

Owners of young pets should take a look at Lemonade Pet Insurance. It really is an industry leader.

Benefits & Drawbacks

Benefits
  • Policyholders experience only a 2-day waiting period for pet injuries
  • Claims are processed with fast turnaround times
  • Multiple discounts available
  • The company allocates a portion of the policyholder’s premium to nonprofits
Drawbacks
  • Certain pet breeds lose coverage eligibility after a specific age
  • Coverage is not extended to all 50 states
  • Pet owner credit and claim history play a role in determining insurance rates

Cheapest Rates For New Pet Owners

Overall Rating
4.6

Key Statistics

7/10 Affordability
8/10 Customer Reviews
8/10 Payouts
8/10 Coverage Level

Why We Like Them

If you are a new pet owner, finding a pet insurer like ASPCA should be a high priority. ASPCA has a well founded reputation for excellent service and is an advocate for animal welfare.

ASPCA’s premiums in Iowa are higher than the US average. Dog insurance will run about $83.30 monthly and cat insurance around $38.67 monthly. One of the best policy features is no age limit on pets, which lets you get coverage for your senior pet no matter its age.

ASPCA extends additional coverage, too, in such areas as behavioral issues, and alternative therapies. Either of these could be beneficial to certain pets.

Benefits & Drawbacks

Benefits
  • Coverage encompasses items like alternative therapies, behavioral issues, and congenital conditions
  • There is only a 14-day waiting period for cruciate injuries
  • Access to a 24/7 telehealth vet line
  • Vet clinic visit fees for illnesses and accidents are covered under standard policies
Drawbacks
  • Unlimited annual coverage can only be accessed through an agent
  • There are limited options for deductibles

Cheapest Rates For Cat Owners

Overall Rating
4.7

Key Statistics

9/10 Affordability
9/10 Customer Reviews
8/10 Payouts
8/10 Coverage Level

Why We Like Them

Iowa cat owners who are thinking about purchasing pet insurance should take a look at  Embrace, the insurer known for its low cost feline coverage. Embrace has affordable premiums for cat insurance, with an average policy costing around $20 per month.

Many pet insurance companies support charities and causes for animal welfare. Embrace Pet Insurance is more than generous, donating $2 of every policy sold to animal charities, local shelters, free or cheap spaying and neutering, and more.

Embrace Pet Insurance is partnered with major home and vehicle insurers such as Allstate, GEICO, and USAA.

Benefits & Drawbacks

Benefits
  • Affordable policy choices are available
  • Most standard policies include coverage for treatable pre-existing conditions
  • Pet owners with animals requiring orthopedic care can bypass the waiting period with a veterinary examination
Drawbacks
  • Only senior pets aged 14 and above are eligible for accident-only policies
  • Supplementary coverage is not included in standard policies

Average Cost Of Pet Insurance In Iowa

Average Cost In Iowa — By Cat Breed

Cat Breed Average Monthly Cost
Domestic Shorthair $18
Sphynx $19
Siamese $22
Maine Coon $27

Average Cost In Iowa — By Dog Breed

Dog Breed Average Monthly Cost
Affenpinscher $19
Labradoodle $38
Greyhound $63
Newfoundland $85

Average Cost In Iowa — Accidental-Only Coverage

Insurance Provider Average Monthly Cost for Accident-Only Coverage
Lemonade $30
Pets Best $34
TrustedPals $36
Figo $44
ASPCA $54

Average Cost in Iowa — Comprehensive Coverage  

Insurance Provider Average Monthly Cost for Comprehensive Coverage
Pets Best $42
Lemonade $49
Trusted Pals $52
FIGO $53
ASPCA $55

 

Largest Pet Insurance Companies In The United States

Company Name Estimated Market Share Percentage
Trupanion 30%
Nationwide Mutual Insurance Company 19%
Embrace Pet Insurance 9%
Fetch by the Dodo 8%
Pets Best Insurance 2.4%
Hartville Group Inc. 1.4%
MetLife Pet Insurance 1.4%
Petsecure 1.3%
Healthy Paws Pet Insurance .73%
Pumpkin Pet Insurance .48%

How To Find The Best Pet Insurance Company For You

Basically, purchasing pet insurance is like buying other types of insurance. it will be to your advantage to first educate yourself about pet insurance before you begin shopping around.

Most pet insurance companies have policies that cover accidents only, not diseases or other health conditions. Many pet insurance carriers offer accident and forgiveness plans. Both may be beneficial to you as well as your pet.

Young pets probably won’t develop a health condition that is age related, such as arthritis. This is not the case with older pets, who have a much higher incidence of illnesses and health problems as they age. When it comes to younger pets, an accident-only plan might be the best choice since they aren’t as likely to develop health conditions as senior dogs. If your pet is considered high-risk for certain health conditions, you might be wise to choose a comprehensive policy instead of coverage that only extends to accidents.

The length of a pet insurance policy’s waiting period before benefits start to kick in is an important point. Pet insurance carriers have varying durations of waiting periods for illnesses or accidents, so always be sure to find out exactly how long an insurer’s waiting period is before buying coverage from them.

Pet Insurance Discounts In Iowa

Pet insurance, much like any type of insurance, might cost more based on where you live. You can often save money on your pet insurance premiums by utilizing one or more of the discounts that might be on offer by the insurer. Pet insurance companies offer a variety of discounts, so it’s a good idea to look around and see what’s out there before you decide to make a purchase decision. Here are some discounts that could save you money on premiums:

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

How To Buy Pet Insurance Online In Iowa

If you’d much prefer researching and purchasing pet insurance from the privacy of your home to going out somewhere to do the same thing, the internet has made this possible. These days you can get online and do everything needed to get pet insurance without leaving your house. Websites such as Insuranceopedia provide the information you need to know about pet insurers. You can even take care of some of the process ahead of time, which will expedite things considerably. When it’s time to submit an application to a pet insurance carrier, you can do that online, as well.

Below are four important steps you’ll want to take during the pet insurance buying process:

  • Step 1: Get all of the necessary information together before launching into research about pet insurers in Iowa. Elements like the type of pet, (cat or dog, etc.) the breed, age, medical history, and any documentation you might have about the pet’s lineage
  • Step 2: Calculate the amount of coverage that seems most appropriate, and then do the same for the deductible
  • Step 3: Compare premium quotes between a minimum of 3 pet insurance companies
  • Step 4: Weed out 2 of the 3 insurers and narrow it down to one. Submit your application, take out a policy, and get in touch with your vet, letting him or her know about your newly acquired pet insurance coverage

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

A lot of pet owners have the mistaken idea that pet insurance premiums are based on only one or two factors. Actually, there are multiple elements that go into determining rates for pet insurance. Here are a few things that receive consideration:

  • Animal Type
  • Age
  • Breed
  • Insurance Type
  • Location

Breed

Your pet’s breed might be a big factor in the cost of pet insurance coverage. While there’s not a huge difference for a lot of dog breeds, some are considered high-risk, and pet insurance coverage for them will be more costly.

Boxers and bulldogs are a classic example of this with their history of sinus problems and issues with their skin. Since these breeds have a higher risk of developing medical problems, insuring them will come at a higher price than insuring dogs that aren’t high risk.

Animal Type

The type of pet you already own or are planning to own plays a major part in the cost of the premiums. Dog owners, for example, routinely pay two to three times higher rates than cat owners. This is due in part to dogs spending more time outside than cats, where there is an increased chance of sickness or accidents.

Insurance Type

You will usually have two options when you’re ready to purchase pet insurance: Accident and sickness coverage, or accident only. Both of these plans have merit and can provide protection for your pet while protecting your finances if your pet needs medical care. A comprehensive policy that covers accidents and sickness both will cost more than accident-only. If you’re having trouble deciding which plan to purchase, it might help to ask yourself if the cost of the added coverage for sickness will be worth the extra premium.

Normally, there’s no big difference in the cost of pet insurance from one city to the next. However, some places within a state might be classified as high-risk due to an increased number of claims from that particular area. If you are living in one of those areas, you can probably count on your rates being higher.

Age

Yet another element that carries weight with rate quotes from pet carriers is the age of your pet. There are pet insurance carriers who keep rates affordable, regardless of a pet’s age.  On the other hand, there are pet insurers who will not approve your application if your pet falls outside their age limits for coverage. If you own a senior animal, look around for a pet insurance company that offers coverage for senior pets.

Iowa Pet Insurance Laws To Know

  • Insurance companies in the past could deny coverage, terminate policies, or even increase monthly rates based solely on the breed of your pet. But since the passage of House Bill 2323, it is illegal for insurance companies to discriminate based upon a dog’s breed or appearance.
  • It’s important in Iowa to keep a collar on your dog, with a rabies tag. When your pet has these two things, it’s considered yours legally.

FAQs

Do all vets take pet insurance in Iowa?

Probably. Most veterinarians do take pet insurance as there’s no risk for them since you pay their bill and then your pet insurer pays you back. In some cases, your vet may file a claim directly so that you don’t have to front the money.

How Much is Pet insurance in Iowa?

Iowa cat insurance premiums are comparable to the rest of the US. Cats can normally be insured at a lower rate than dogs and this holds true in Iowa. Coverage for dogs is about $48 monthly and cat insurance has an average premium of $27 monthly.

Legally, Am I Required to Insure My Pet in Iowa?

No, you aren’t required by law to have it, but it’s probably a wise move to insure your pets..

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