Best Pet Insurance Companies In Iowa For 2024

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.

Average Cost Of Pet Insurance In Iowa

Average Cost In Iowa — By Cat Breed

Average Cost In Iowa — By Dog Breed

Average Cost In Iowa — Accidental-Only Coverage

Average Cost in Iowa — Comprehensive Coverage  

Largest Pet Insurance Companies In The United States

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.