Many factors go into determining how much insurance premiums cost, like location and assessed risk of the insured. Pet insurance is no different, with premiums changing based on where you live. So below we’ll look at the best pet insurance in Idaho 2020, taking into account premiums and what’s available in your state.
Pet Insurance Costs in Idaho for Dogs and Cats
To get an idea of what pet insurance premiums look like across the state, we took a sample of five different zip codes in Idaho. We compared a 1-year-old Labrador Retriever and a 1-year-old Domestic Long Hair cat, since Banfield Pet Hospital lists these as the most common pets in Idaho.
We took quotes from Embrace Pet Insurance to keep price comparisons even. We also chose Embrace because it offers one comprehensive plan and is one of the largest pet insurers in the U.S. We entered a $500 deductible, an 80% reimbursement and a $15,000 annual limit.
| Zip Code | Dog Monthly Cost | Cat Monthly Cost |
| 83201 | $43.30 | $14.44 |
| 83218 | $43.30 | $14.44 |
| 83227 | $43.30 | $14.44 |
| 83322 | $43.30 | $14.44 |
| 83403 | $43.30 | $14.44 |
Now there’s a boring chart. But for the Idaho zip codes we entered, prices stayed even across different counties. This is interesting that Idaho premiums stay steady, as large cities alone can vary in premiums between zip codes, sometimes drastically.
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Common Illnesses Among Dogs and Cats in Idaho
According to Banfield Pet Hospital, the most common diseases for cats and dogs in Idaho are:
- Overweight and Obesity
- Dental Disease
- Otitis Externa (ear infection)
What this means for finding the best pet insurance in Idaho 2020 is that you might want to consider coverage for these types of conditions, since they are so common in Idaho. For instance, check what the policy covers in terms of dental conditions. Some don’t cover dental at all, some cover only limited issues and others may have dental coverage add-ons.
If your pet is prone to obesity, consider a wellness plan that covers nutritional supplements and routine wellness exams. Learn more about pet insurance that covers preventative care
For ear infections, make sure your plan has a type of illness coverage that helps cover the costs of the condition.
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Types of Best Pet Insurance in Idaho 2020
In Idaho, you have three main types of coverage available to you. They are:
- Accident-only: These cover the treatment of your pet when they get into an accident. Since coverage is limited, this is often a budget-friendly option.
- Comprehensive: These plans may cover illness, injury and accidents. As such, they tend to be more expensive than accident-only coverage.
- Wellness: These are often add-ons to base pet insurance plans. They may cover preventative, routine and wellness care. Some may work as a money-back reimbursement program, however.
It’s important to keep in mind that no pet insurance covers pre-existing conditions, though some may if the condition is deemed curable in a certain timeframe. You can learn more about pre-existing conditions here.
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Overall Cheapest Pet Insurance in Idaho
To find the best pet insurance in Idaho 2020, we looked at the top 12 companies that are currently offering pet insurance in the U.S. We looked at how prices compared between the 1-year-old Labrador Retriever and the 1-year-old Domestic Long Hair cat. We used the 83322 zip code.
So that prices would stay even, we kept the annual limit as high as each system would allow. We also stayed as close to a $250 deductible and 80% reimbursement as we could.
Price is an important factor to consider when choosing the best pet insurance in Idaho. However, other factors should also be considered as well. If you are interested in other factors as you look for the best pet insurance for your pet, click on the links below to read our full review of these companies.
| Company | Dog Monthly Premiums | Cat Monthly Premiums |
| PetFirst | $35.19 | $17.91 |
| Figo | $46.06 | $20.57 |
| Healthy Paws | $47.59 | $15.44 |
| AKC | $50.30 | $26.88 |
| Pets Best | $53.07 | $21.46 |
| Embrace | $59.37 | $19.79 |
| Trupanion | $72.65 | $32.08 |
| Nationwide | $74.95 | $28.04 |
| 24petwatch | $81.41 | $77.08 |
| ASPCA | $95.19 | $38.21 |
| PetPlan | $125.78 | $35.59 |
| Hartville | $129.80 | $52.10 |
Pet health insurance in Idaho varies drastically between companies, going as high as over $100 in monthly premiums for a couple of dog insurance plans. It just goes to show how important it is to shop around.
PetFirst is the cheapest plan for dogs, but it has a low annual benefit at $5,000 with a $250 deductible. The plan above that tier has a $2,500 deductible and $10,000 in annual benefits. The low deductible plan for dogs is $35.19 and the high deductible is $21.44. Deductibles and annual benefits can have a massive impact on premiums, so it pays to play around with which benefits make the most sense for you.
Also, consider what is covered under different plans to find the best pet insurance in Idaho 2020. Nationwide is always on the more expensive side, but vaccinations and wellness exams are covered under the Whole Pet with Wellness plan. That plan is where we pulled the price above because it has unlimited annual benefits.
>>MORE: Is There Free Pet Insurance for Low Income Families?
Insurance in Idaho for Exotic Pets
Currently, the only company you can find exotic pet insurance through in the U.S. is Nationwide Pet Insurance. The company covers reptiles, birds and rodents. It’s also known for being one of the most comprehensive pet insurance plans in the nation, with coverage for prescriptions and exams.
However, to find a quote for exotic pet insurance, you have to call the number at 888-899-4874. You can also read more about exotic pet insurance here.