Pet Insurance in Idaho: Compare the Best Pet Insurance Companies and Most Affordable Quotes

COMPANY HIGHLIGHTS

Pets Best is MoneyGeek’s top overall pick for the best pet insurance in Idaho because of its multiple benefits and wide range of coverage limit options and deductibles. It costs an average of $28.89 per month for pet insurance in Idaho from Pets Best.

Pets Best has three accident and illness plans: Essential, Plus and Elite, each with unique benefits. You can choose between $5,000 or unlimited annual coverage. Annual deductibles range from as low as $50 up to $1,000. Reimbursement options are either 70%, 80% or 90%. All plans from Pets Best cover accidents, illnesses, cancer, hereditary and chronic conditions, emergency care, surgeries and prescription medication. A pet insurance policy in Idaho through Pets Best also covers lab tests, MRIs, CT scans and X-rays. Even the cheapest plan, Essential, includes all these benefits.

Preventive care and all other types of routine care are not covered. But wellness add-ons are available. Overall, Pets Best is a great choice for Idaho pet owners.

COMPANY HIGHLIGHTS

Pets Best is an excellent choice if you prioritize coverage for your pet. A policy with unlimited coverage means there is no annual limit to the reimbursements for veterinary expenses. The cost of pet insurance in Idaho from Pets Best with unlimited coverage averages $36.56 per month.

An unlimited coverage policy from Pets Best can save you money in the long run, especially when your pet suddenly needs high-priced medical care. When you upgrade from the Essential to the Plus package through Pets Best, you have coverage for your pet’s exam fees for injury and illnesses. Consider upgrading to an Elite package if you want to add rehabilitative care, acupuncture, and chiropractic coverage. For all plans, there is no age limit, so older pets can get coverage too.

A few benefits that Pets Best does not cover are bilateral conditions or any other pre-existing conditions. If you are looking for preventive care and vaccination benefits for your pet, such as deworming, tick prevention and rabies, you need to add a routine care plan.

COMPANY HIGHLIGHTS

The most affordable pet insurance company in Idaho is Pets Best. A $5,000 yearly coverage policy from Pets Best costs around $21.23 per month.

Pets Best offers several deductibles, as low as $50 up to $1,000, making a policy customizable and, therefore, more affordable. You can also choose the reimbursement rate that best suits your budget — 70%, 80% or 90%.

If you have a generally healthy pet and you want to insure them only in case of accidents, Pets Best offers an accident-only plan which covers trauma, poisoning, a bite from another animal, vehicle accidents, and other types of accidents. This plan has a $10,000 annual limit, a $250 deductible and a 90% reimbursement rate at a flat monthly rate of $9. That is generally cheaper than most pet insurance options in Idaho. However, it does not cover pre-existing conditions or illnesses, including parasitic infections, cancer and metabolic disorder.

COMPANY HIGHLIGHTS

If you have more than one pet, you may be able to cut costs by getting pet insurance quotes in Idaho through a company that offers a multi-pet discount. MoneyGeek found Pets Best has the best multiple pets insurance policy in Idaho at around $26.00 per month.

When you enroll more than one dog or cat in a Pets Best policy, you may receive a 5% discount. Having no upper age limit makes Pets Best the best dog insurance in Idaho to insure multiple pets at any age. But, a benefit that Pets Best is lacking is end-of-life coverage. It also does not provide any holistic care coverages like experimental therapies or holistic medications. But, you can add wellness plans to a standard accident and illness policy to protect your pet with preventive care and more.

A stand-out feature of Pets Best is Vet Direct Pay, where the insurance company pays your vet directly. That means you don’t have to pay anything out of pocket or worry about how long it will take to reimburse your money.

COMPANY HIGHLIGHTS

Insuring a cat in Idaho with Embrace costs an average of $14.71 per month — Embrace is MoneyGeek’s top cat insurance choice in Idaho.

Embrace has several options for annual coverage limits, starting from $5,000 up to $30,000. Annual deductibles start at $200 and go as high as $1,000, with reimbursement options of 70%, 80% or 90%. Embrace follows a deductible then copay reimbursement method where the company subtracts the deductible from your total covered bill before the copay kicks in, giving you the highest reimbursement on veterinary bills.

Embrace protects your cat with accident and illness coverage, including dental trauma, exam fees and prescription medication. Its cat insurance policy in Idaho also covers CT scans, lab tests and other procedures. Plus, a 10% discount is possible when insuring more than one cat.

If you want routine care for your cat, like teeth cleaning, spaying or neutering, or nutritional supplements, there is an additional policy fee. Embrace reimburses 100% of routine care costs.

A policy perk from Embrace is a diminishing benefit where, if you don’t file a claim within a policy year, the company reduces your deductible by $50 the next year.