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

Holding insurance with the best pet insurance companies in Iowa can allow pet owners to save thousands of dollars each year. Furthermore, you'll have the peace of mind knowing that your pets are covered during times of medical emergency. Certain insurance plans include preventative care components, such as vaccines and parasite control.

MoneyGeek obtained data for this analysis from pet insurance providers in Cedar Rapids, Davenport and Des Moines, among others. If you're curious about the cost of pet insurance in Iowa, use our analysis to determine the best policy for your animal friend.

MoneyGeek analyzed thousands of estimates from Iowa pet insurance companies, as well as policy and coverage data, to determine the best pet insurance companies in the state. We used these key elements in our research to discover which companies balanced affordability and product selection.

Pet insurers determine costs through several factors, including your pet's breed, age, and health history, along with your location. By comparing quotes from different providers, you can find the best insurance policy for your animal friend.

Pet insurance premiums in Iowa vary depending on your location and coverage level, as well as the age and breed of your pet. In Iowa, the average monthly cost of dog insurance is $24.21 for coverage up to $5,000, $45.26 for coverage up to $10,000 and $46.36 for unlimited coverage. Cats are generally less expensive to insure, costing an average of $13.06 per month for coverage of $5,000, $22.49 for coverage of $10,000 and $30.79 for unlimited coverage.

Additionally, the age of your pet, deductible amount and any add-on coverages selected can affect the cost of pet insurance in Iowa. Obtain personalized estimates from multiple companies before selecting a policy for the best sense of available rates.

MoneyGeek aims to inform pet owners in Iowa of the common options available in pet insurance. Some general variables are:

• Annual Reimbursement Limits: Ranges from $3k to unlimited
• Deductible: $250 to $500, but some companies have higher or lower options
• Bill Reimbursement Percentage: 70-90%

Individuals on a budget and those believe they do not require a high level of coverage can choose policies with lower limits. To ensure proper coverage for their pets, some may require insurance with higher coverage limits. Take note that insurance with higher coverage limits will be expensive.

The typical pet owner may not require unlimited coverage. However, a policy with unlimited coverage provides the most comprehensive insurance for your pet. MoneyGeek recommends the following level of insurance coverage for pet owners in Iowa:

If you're on a limited budget, choose a plan with a low yearly maximum, a high deductible and a low reimbursement rate. The table below compares Iowa's pet insurance policies with a $5,000 coverage maximum, a $500 deductible and an 80% reimbursement rate.

Along with your pet's age and breed, your location also influences the cost of pet insurance in Iowa. Some areas in Iowa carry higher treatment costs for pets. Similarly, several cities in the state have a higher cost of living than the national average, resulting in higher veterinarian medical bills and policy premiums.

In some cities, weather, traffic and other concerns may increase the likelihood of your pets becoming involved in an accident, resulting in higher premiums. Additionally, your coverage level may affect your monthly pet insurance payments, so cheap pet insurance in Iowa may be different for each policyholder.

Many variables affect insurance costs, including your location, the breed and age of your pet and the coverage you select. Most insurance companies allow you to tailor your pet's coverage based on specific needs.

MoneyGeek believes that data helps us make better financial decisions. Our data team spent countless hours gathering thousands of pet insurance quotes across the 13 largest providers to ensure you find the most affordable policy that meets your pets' needs.

To determine the best pet insurance companies in Iowa, MoneyGeek built a detailed rating system by analyzing each company’s product offerings and costs. For the MoneyGeek rating score, we weighted affordability by coverage level at 50% of the total score and weighted our 24 qualitative research policy option data points at 50%.

To determine the cheapest pet insurance companies in Iowa and our affordability scores, MoneyGeek gathered quotes by company across many zip codes in Iowa for four pet types with the following coverage levels:

• Low Coverage: $5,000 coverage, $500 deductible, 80% reimbursement
• Average Coverage: $10,000 coverage, $250 deductible, 80% reimbursement
• High Coverage: Unlimited coverage, $250 deductible, 90% reimbursement