Write a review
  3. Pets
  4. Pet Insurance
  5. Best Pet Insurance

Best Pet Insurance in Idaho

We compared 25 companies and chose the top pet insurance providers

  • Best overall
    Embrace Pet Insurance
    3.8(1,673)
  • Value
    Healthy Paws Pet Insurance & Foundation
    4.9(758)
  • Accident-only coverage
    Spot Pet Insurance
    3.6(149)

Best Pet Insurance in Idaho

Author picture
By: Jon Bortin
+1 more
Author picture
Edited by: Jon Bortin

Our 3 picks for Idaho pet insurance companies

  1. Best overall: Embrace Pet Insurance
  2. Best value: Healthy Paws Pet Insurance & Foundation
  3. Best accident-only coverage: Spot Pet Insurance

We’ve chosen the best pet insurance in Idaho by comparing ratings and reviews, coverage, add-ons, pricing and other factors. Read our full methodology below for all the details. Our picks may be Authorized Partners that compensate us — this does not affect our recommendations or evaluations but may impact the order in which companies appear.

Learn more
Best overall
Embrace Pet Insurance
Embrace Pet Insurance
3.8
1,673 reviews
Highlight
24/7 telehealth support
Plan types
Accident-only, accident-and-illness
Discounts available
Multipet, active or former military
Read Reviews

Embrace has been in the pet industry for over 18 years and has covered more than half a million pets. It's one of only a few companies that offer a plan with unlimited annual reimbursement, and you can add Wellness Rewards for routine things like exams, vaccines, grooming and training. Every policy comes with free access to a 24/7 health helpline. Claims are processed in 10 to 15 business days.

  • Annual reimbursement limit: $2,000 to unlimited
  • Annual deductible: $100 to $1,000
  • Optional coverages: Exam fees for accidents and illnesses, prescription drugs, routine care
  • Waiting period: 14 days

Pros

  • Option for unlimited annual reimbursement
  • Fast quotes
  • Discount program for healthy pets

Cons

  • Medications not covered in standard plan
“Our golden retriever fell through the deep snow trying to get to his favorite ball and badly injured his right knee. He needed to have tplo surgery to repair the injury and get him back to functioning and using his right leg again. Embrace has been very helpful in assisting us with any questions we had about filing the claims and reimbursement was very quick with no hassles. We're very thankful this service was available and have already recommended embrace to 4 of our friends.”
SUSANSandpoint, ID
“My daughter & I both have policies with Embrace. If something happens to your dog, your vet bills are reimbursed right away. When you need to speak to a representative they help you with extreme competence. You won’t be disappointed.”
Jan LNampa, ID
Best value
Healthy Paws Pet Insurance & Foundation
Healthy Paws Pet Insurance & Foundation
4.9
758 reviews
Highlight
No cap on annual reimbursement
Plan types
Accident-and-illness
Discounts available
None
Get Pricing Read Reviews

There's a reason Healthy Paws has one of the highest overall ratings on ConsumerAffairs: Customers like just about everything they get in exchange for their premiums. This includes a single comprehensive plan with no maximum annual payout, fast claims processing and helpful, compassionate customer service. One feature that separates it from most companies is direct payment to veterinarians (requires coordination before visit). Healthy Paws has covered over 560,000 dogs and cats.

  • Annual reimbursement limit: No limit
  • Annual deductible: $250 to $1,000
  • Optional coverages: None
  • Waiting period: 15 days

Pros

  • No maximum annual payout
  • Direct payment to vet possible
  • Coverage for alternative medicine

Cons

  • No optional coverages
“My Chow Chow, Kallie, tore her ACL and required surgery. Healthy Paws was extremely considerate of her health issue and cooperated with me and her vet in order for her to receive the best possible treatment. The submission of invoices was easy to do and payment from Healthy Paws was very fast. I highly recommend their services.”
VictorBoise, ID
“I have a 7 month old mini-Australian Shepherd named Zoey. I signed up with Healthy Paws Pet Insurance after talking with a neighbor who had this insurance and was happy with it. I also did my own Google searches. So far, we have had three emergencies with Zoey covered by Healthy paws!! I really appreciate the amazing turnaround time on the repayment of costs we pay. I appreciate the concern and quick response the personnel working with Healthy Paws always gives me either by phone or email. This program has been well worth the cost and then some. The rules and what is covered, deductible, etc., are also very well covered in their paperwork.”
DebraBoise, ID
Best accident-only coverage
Spot Pet Insurance
Spot Pet Insurance
3.6
149 reviews
Highlight
Highly customizable plans
Plan types
Accident-only, accident-and-illness
Discounts available
Multipet
Get Pricing Read Reviews

Spot's accident-only plan is a good lower-cost option that not only covers expensive diagnostics and treatments but also the exam fee, which few companies pay for. Spot Pet Insurance stands out for plan customizability — there are more choices for reimbursement limit and deductible than at other insurers. Plans include VetAccess, a 24/7 helpline. Spot processes claims in an average of two days.

  • Annual reimbursement limit: $2,500 to unlimited
  • Annual deductible: $100 to $1,000
  • Optional coverages: Preventive care, upgraded preventive care
  • Waiting period: 14 days

Pros

  • Flexible coverage options
  • 24/7 telehealth hotline
  • Exam fees covered

Cons

  • No discounts without multiple pets
“I purchased preventative, accident and illness insurance for my baby yorkie. My vet told me her first year could be spendy and that all dogs have their quirks that could require vet attention. Spot Insurance has been great. Claims I submit are paid promptly. I never have had a surprise or negative experience. Spot insurance has been one of my smartest purchases and I will not go without pet insurance ever again.”
DanielleMccall, ID

Pet Insurance in Idaho Buyers guide

Jump into our guides and start learning

In this guide

Top Picks

See who reviewers like

Embrace Pet Insurance logo
Healthy Paws Pet Insurance & Foundation logo
Spot Pet Insurance logo
See our top picks

Quick and easy. Get matched with a Pet Insurance partner.

Idaho pet insurance buyers guide

Veterinary care is expensive — especially when your pet has to be seen for an unexpected accident or illness. That’s why many dog and cat owners purchase pet insurance, which reduces out-of-pocket costs.

Key insights

Pet insurance reimburses the pet owner for a percentage of vet costs after a visit for an accident or illness.

Jump to insight

Before purchasing a pet insurance policy, consider what’s covered, plus the reimbursement percentage and limit, and your deductible.

Jump to insight

Monthly costs for pet insurance average $56 for a dog and $34 for a cat but vary based on many factors.

Jump to insight

How pet insurance works in Idaho

Most pet insurance policies work similarly: You take your pet to any licensed vet and pay the provider directly at the time of the visit. Then you submit the invoice to the insurer (usually online through an app or by email), and the insurer reimburses you according to the terms of your plan. There is usually a waiting period of two weeks after sign-up before coverage takes effect.

What pet insurance covers

Pet insurance covers diagnostic and treatment services for accidents, illnesses or both, depending on the plan you select. This usually includes X-rays, MRIs, ultrasounds, blood work, medication, surgery and hospitalization for events and conditions such as:

  • Bite wounds
  • Broken bones
  • Cuts
  • Foreign body ingestion
  • Arthritis
  • Cancer
  • Skin, eye and ear infections
  • Digestive issues
  • Infectious diseases
  • Urinary tract infections
  • Diabetes
  • Dental conditions
  • Behavioral problems

What pet insurance doesn’t cover

Pet insurance doesn’t cover every type of vet visit. Coverage varies by company, but in general, pet insurance doesn’t cover:

  • Preexisting conditions
  • Cosmetic treatments (e.g., tail docking)
  • Breeding or pregnancy
  • Preventive care (e.g., annual checkups, vaccines)
  • Training
  • Illnesses or accidents that result from negligence, intentional mistreatment or malicious activity

What to consider with pet insurance in Idaho

When you’re choosing a pet insurance company in Idaho, here are the main points to consider:

  • What’s covered: Pet insurance plans tend to cover accidents, illnesses or both. Diagnostics (e.g., blood work, X-rays), surgeries, hospitalization and medications are usually covered — but not always. Some treatments, like dental care, for example, are covered only under specific conditions. Care for preexisting conditions is always excluded.
  • Reimbursement limit: Most plans specify a maximum yearly reimbursement amount. When signing up, you may have options for caps that range anywhere from $2,000 to an unlimited amount.
  • Annual deductible: The annual deductible is the amount you must pay out of pocket before coverage kicks in. This ranges from as low as $100 up to $1,000.
  • Reimbursement percentage: Once you meet your deductible, the insurance company will reimburse you a percentage of the covered care costs. As with the annual limit and deductible, you can customize the amount; we’ve seen plans that cover from 60% to 90%.
  • Waiting period: As a general rule, you have to wait around two weeks after sign-up before your dog or cat is covered. The waiting period may be shorter or even nonexistent for accidents — or longer for orthopedic events, like torn ligaments.

As with any insurance policy, it’s essential to dig through the fine print so you aren’t surprised once it’s time to use it. Pay particularly close attention to exclusions (what’s not covered), limitations and definitions. If there’s something you don’t understand, ask a company representative for clarification.

Cost of pet insurance in Idaho

The average monthly cost of an accident-and-illness pet insurance plan is about $56 for a dog and $34 for a cat, according to data from the North American Pet Health Insurance Association. Some insurers offer accident-only plans, which typically cost about 70% less. The cost of pet insurance depends on a host of factors, including:

  • Species (i.e., dog or cat)
  • Breed
  • Age
  • Where you live
  • Plan type
  • Annual reimbursement limit
  • Reimbursement percentage
  • Deductible
  • Any add-on coverages you select (e.g., preventive care)

Sample quotes for pet insurance in Idaho

We collected quotes from the companies on our list for a 2-year-old male Labrador retriever, one of the most popular breeds in the U.S., living in Boise. We also got quotes for a 2-year-old male ragdoll. All quotes are for accident-and-illness plans.

FAQ

Do all vets in Idaho accept pet insurance?

Vets don’t accept pet insurance directly; pet insurance is a reimbursement policy, so you pay the vet directly and then submit a claim to the insurer for reimbursement. You can visit any licensed veterinarian for pet care.

Does pet insurance cover preexisting conditions?

No, pet insurance doesn’t cover preexisting conditions. These are usually defined as any conditions that existed before the policy’s start date. For instance, if your dog had arthritis before you signed him up for insurance, you won’t be covered for any arthritis-related treatment under a plan.

Pet insurance companies will ask for copies of medical records when you sign up or make a claim to check for any preexisting conditions. Keep in mind that some companies cover conditions that can be cured and that haven’t recurred within a certain time frame (e.g., 12 months).

» MORE: What does pet insurance cover?

Is pet insurance worth it?

Whether pet insurance is worth it depends on your pet’s age, breed and health history, plus your financial situation.

There are pros and cons to pet insurance. It gives you a financial safety net in case your dog or cat gets sick or gets in an accident. You also can customize coverage to fit your needs. However, there are exclusions and limitations, and the costs add up over time. There’s also a chance you pay for coverage and never use it.

Overall, pet insurance is more likely to be worth it if you have a younger pet that’s at higher risk for health conditions or if a big vet bill is likely to cause you financial hardship.

How is pet insurance regulated in Idaho?

The Department of Insurance regulates the insurance industry in Idaho.

Methodology

To choose the top pet insurance companies in Idaho, we started with over 30 popular providers listed in our main buyers guide. First, we narrowed the list down to the ones available in Idaho. We then weighed reviewer satisfaction ratings for pet insurance companies on our website, focusing on these aspects:

  • Coverage
  • Customer service
  • Claims handling
  • Price

The companies with the highest satisfaction ratings were selected as the top pet insurance companies in Idaho. In circumstances where tiebreakers were necessary, we made decisions based on our research of various features at each company, including reimbursement and deductible options and the availability of discounts.

Guide sources

ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. Specific sources for this article include:

  1. North American Pet Health Insurance Association, “Industry Data.” Accessed Jan. 21, 2025.

Not sure how to choose?

Get buying tips about Pet Insurance in Idaho delivered to your inbox.

    By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. Unsubscribe at any time.

    Thanks for subscribing.

    You have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.

    Read Idaho pet insurance company reviews

    Showing 10 of 25

    Want your company to be on this guide?

    Yes, continue
    Comparing

    ×
    Trending in Pet Insurance Providers