6 Best Idaho (ID) Dog Insurance Plans Compared in 2021

Updated on , by Matthew H. Nash – Licensed Insurance Agent

As a dog owner and licensed Idaho insurance agent in Idaho, I know how important it is to have peace of mind — after all, our dogs are family. Unfortunately, choosing the right dog insurance isn’t always the most straightforward process. However, you’re in luck, because I’ve compiled the must-know information for anyone in The Gem State. This article is for you whether you reside in Boise, Idaho Falls, Pocatello, Coeur d’Alene, or anywhere in between. Read more about our unbiased ranking methodology and advertiser disclosure.

Top ID Dog Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best dog insurance providers in Idaho. The average monthly Idaho-specific prices shown are based on a healthy 2-year-old Labrador Retriever with a $500 deductible and 90% reimbursement amount who is located in Idaho with an 83712 zip code. Costs may vary based on age, location, coverage amount, and depending on the breed of your puppy. Prices are accurate as of September 2021 and are subject to change. For the most up-to-date information, please visit the provider website.

4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Idaho pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN IDAHO

$40.30/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Idaho vets via video chat 24/7
  • They also have an easy-to-use pet records app and real time claims tracker
  • Founded in 2013 and underwritten by Independence American Insurance Company
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Idaho pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN IDAHO

$40.86/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Their “Healthy Pet Deductible” allows your annual deductible to go down by $50 each year that you don’t receive an insurance claim reimbursement
  • Embrace paid 93% of claims in 2019 and their member portal is user-friendly
  • Founded in 2003 and underwritten by American Modern Insurance
4.8
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Idaho pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN IDAHO

$40.09/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • They offer up to 100% reimbursement with a $20,000 annual maximum benefit for a reasonable fee and have fast reimbursement options
  • Wagmo Wellness plans reimburse you for the routine and preventative care you do for your pets annually
  • Founded in 2017 and underwritten by National Specialty Insurance Company
4.7
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Idaho pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN IDAHO

$43.25/mo

REIMBURSEMENT AMOUNT

80%

ANNUAL
 BENEFIT

$8,500

  • Eusoh is not your typical pet insurance company but instead is a vet expense sharing community
  • Ideal for young, healthy pets and premiums vary depending on the amount of claims submitted in any given month
  • Founded in 2017, Eusoh is a mutual insurance company supported by its members
4.7
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Idaho pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN IDAHO

$76.07/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

Unlimited

  • Trupanion is the only provider on our list that has an unlimited annual benefit with no payout limits
  • They are unique in that they offer “Vet Direct Pay” instead of reimbursements
  • Founded in 1999 and underwritten by American Pet Insurance Company
spot pet insurance
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Idaho pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN IDAHO

$44.84/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Spot offers pet microchip implantation as part of standard coverage
  • They have an easy-to-use website and provide a 30-day money-back guarantee
  • Founded in 2017 and underwritten by Crum & Foster

figo
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Idaho pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN IDAHO

$40.30/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Idaho vets via video chat 24/7
  • They also have an easy-to-use pet records app and real time claims tracker
  • Founded in 2013 and underwritten by Independence American Insurance Company

How much does dog insurance cost in Idaho for the 15 most popular breeds?

The price for Idaho dog insurance is almost always the same throughout the state including in Boise, Idaho Falls, Pocatello, or Coeur d’Alene, etc. However, the prices will vary based on the age, health, and breed of your puppy.

All prices shown below are based on a 90% reimbursement rate with a $500 deductible and a $5,000 annual benefit from Figo pet insurance. Please note: these prices should only be treated as a rough guide as of September 2021 and are subject to change. If you’re looking for the most up-to-date cost of dog insurance in Idaho we suggest getting a quote directly with Figo or Wagmo.

  1. Mixed Breed – $31.35/ mo
  2. Labrador Retriever – $40.30/ mo
  3. Golden Retriever – $48.96/ mo
  4. German Shepherd – $46.48/ mo
  5. Goldendoodle – $38.96/ mo
  6. Chihuahua – $16.57/ mo
  7. Siberian Husky – $44.33/ mo
  8. Yorkshire Terrier – $23.41/ mo
  9. American Pit Bull Terrier – $46.12/ mo
  10. Australian Shepherd – $29.08/ mo
  11. Dachshund – $27.05/ mo
  12. Shih Tzu – $23.46/ mo
  13. French Bulldog – $56.39/ mo
  14. Boxer – $66.24/ mo
  15. Labradoodle – $38.96/ mo

Not finding your specific dog breed? Figo pet insurance is our #1 recommendation for Idaho and they’ll be able to give you a quick quote for your exact needs.

FAQs About Idaho Dog Insurance

What is dog insurance?

We’ve all been there—visiting the doctor and discovering a gigantic bill just a few days later. Medical insurance often makes those outrageous costs more manageable. It’s the same for our dogs too. Dog insurance helps to keep our finances in check and our furry friends healthy.

What’s the point of dog insurance?

Idaho is not known for cheap vet bills. Unfortunately, taking your pup in for care can end up causing a financial headache. Despite the cost, every dog owner wants what’s best for their best friend, no matter the price, and insurance can make that feasible.

What should I know about purchasing a dog insurance policy in Idaho?

Once you find a company that offers coverage for your canine, you’ll be required to pay a monthly fee ensuring your policy remains active. If your dog suffers an injury or comes down with an illness, you’ll pay out of pocket and later submit a claim for reimbursement. Be aware that pet insurance companies are known for excluding pre-existing conditions. If possible, obtain insurance while your dog is still a puppy (waiting until they are at least eight weeks old).

Why does my puppy need to be at least 8 weeks old for insurance?

Eight weeks is generally the age it becomes safe to take your new puppy home, as they spend the first several weeks of their lives with their mothers. Once they are old enough to go home with you, they are also old enough to insure.

Puppies are the most affordable to insure because they usually haven’t developed any pre-existing conditions or other health issues. Just like health premiums go up the older you and I get, it is the same for our furry family members.

Is dog insurance truly worthwhile?

Absolutely! Of course, you don’t want to think about it, but if you haven’t already, you and your dog will most likely face an emergency at some point. Insurance can help you avoid a mountain of debt, or even having to put your dog down. Ultimately, the choice is yours. Think about what you can afford and what you can’t.

What’s covered and what’s not with dog insurance?

Insurance covers illnesses and accidents unless your chosen provider decides to exclude them. Sudden, unavoidable circumstances like a car accident resulting in broken bones, for example, will be covered. Other conditions, called “pre-existing conditions,” may not be covered, such as heart disease.

To help alleviate some care costs, your insurance provider may provide an add-on package that includes routine appointments and vaccines.

How about reimbursement?

You can receive reimbursement! For instance, we’ll say you have a dog insurance policy with a 90% reimbursement amount, a $500 deductible, and a $10,000 annual maximum benefit. One day, your dog accidentally steps in front of a car, resulting in severe injury requiring a treatment cost of $8,000.

After treatment, your reimbursement would be $7,200 minus your $500 deductible, meaning you only pay $1,300! However, not all insurance providers work the same. Trupanion pays in-network vets directly, meaning no out-of-pocket costs from you.

What’s the best deductible?

Most dog owners choose a deductible of $250 or $500.

Low deductible = high monthly payments.
High deductible = small monthly payments.

Figure out what’s best for your dog by figuring out what is tolerable for you financially. Some insurance companies even offer calculators to help you out.

How about Idaho dog breed restrictions for Homeowners Insurance?

It’s common for homeowner insurance policies in many states to restrict specific dog breeds based on their overall risk status. Some of these breeds are:

  • German Shepherd
  • Akitas
  • Alaskan Malamute
  • Cane Corso
  • Chow Chows
  • Doberman Pinschers
  • Great Danes
  • Mastiff
  • Pit Bull
  • Siberian Husky
  • Rottweilers
  • All Wolves, even hybrids

Please note that this list is not comprehensive. Ask your homeowner’s insurance provider for the most accurate information and to determine whether or not you’ll need to add a liability rider to your coverage.

5 Ways to Keep Your Dog Healthy & Safe in Idaho

1. Mind the Bears

Black bears and grizzlies populate the Gem State in significant numbers. Although most bears like to keep to themselves, bear encounters are something Idahoans should be prepared for, especially if you like camping or hiking with your dog. Here’s how to stay safe in bear country:

  • Clean up after your dog (and yourself). Always properly store your belongings and dispose of waste and any uneaten food.
  • Keep your dog close. You never know how your dog will react to a bear and vice-versa. It’s better not to let them get close to each other in the first place.
  • Carry bear spray. In the event you come across a bear, keep your dog close by and follow the same rules you would if you were alone: back away slowly, make yourself look as large as possible, and don’t run. Since you can’t ensure that your dog will do the same, your chances of provoking the bear are higher. Have your bear spray at the ready.

2. Looks Can Be Deceiving

Dogs are obsessed with smells. Some breeds have hundreds of millions of scent receptors in their noses, compared to our 5 million receptors. Although a dog’s strong sense of smell usually leads to nothing worse than picking up something gross on a walk, there are times it can cause a real hazard.

Pretty Idaho spring-time plants such as tulips, daffodils, Narcissus, and hyacinths are poisonous to dogs.

Eating these flowers in large amounts can cause nausea, vomiting, and diarrhea. In more severe cases, symptoms can include increased heart and respiratory rate and cardiac arrhythmias.

Always be aware of your dog’s surroundings and supervise them outdoors to avoid ingesting dangerous plants.

3. Avoid Algae

Idaho is home to many excellent natural recreational areas, from scenic lakes to white-water rivers, relaxing reservoirs, and more. Unfortunately, although summer is prime swimming season, it’s also prime time for toxic algae to grow in the very places we like to play in.

Cyanobacteria produce toxins that are dangerous for our dogs and us. The bacteria usually is so small that you don’t notice it. Still, as the weather warms up, cyanobacteria produce a visible “bloom” of toxic blue-green algae, resembling pea soup or guacamole.

Avoid contact with the water if you see any blue-green algae. If your dog comes into contact with algae, rinse their fur with clean water and call your vet as soon as you can.

Poisoning symptoms include diarrhea, vomiting, and drooling. Symptoms can appear as soon as 15 minutes after contact, so getting treatment right away is imperative.

4. Don’t Rock the Land

Landslides, rockslides, and avalanches are frequent in this mountainous state. When taking your dog hiking in Idaho, practice the following precautions:

  • Follow all posted trail rules. Remember, the rules are there for a reason.
  • Keep your dog leashed when required. There are many safety reasons to keep your furry friend leashed (wildlife, potential harm to fellow hikers, etc.). A dog running off-trail could potentially trigger a dangerous rockslide. Don’t risk it.

5. Focus on Wildfires

Just like many western states, Idaho is at high risk of wildfires throughout the summer. Even though most people think they’ll never get caught in one, it can happen to any of us.

  • Bring your dog inside at the first sign of a wildfire. You may think it counterintuitive at first, but if an evacuation is required, your dog will already be close to you so you don’t have to search for them, wasting precious time.
  • Your life comes first, but if you have the time, evacuate your dog too. Sometimes we forget how much our furry family members rely on us. Many dogs cannot fend for themselves during disasters.
  • Fill a supply kit with towels, blankets, toys, leashes, collars, treats, food etc. Whatever your dog regularly uses in day-to-day life, you’ll need it in your kit.

5 Incredible Idaho Dog Shelters

1. Nash’s Furever Haus, Nampa, ID

Furever Haus provides a loving retirement community for senior dogs (12 and older) whose owners can no longer care for them in their final days. These dogs are often deemed “unadoptable” due to advanced age, disabilities, and medical needs, but Furever Haus believes every dog deserves a Furever home, no matter their circumstance.


2. Meridian Canine Rescue, Meridian, ID

Not only does the team at Meridian believe every dog deserves a home, but to ensure successful adoptions, they provide free post-adoption support to families who need a little more help to care for their new furry family member.


3. Idaho Humane Society, Boise, ID

The Idaho Humane Society is the largest and oldest animal welfare org in the Gem State. They offer a whole host of programs providing incredible resources for animals and people across the state. From a fully-stocked pet food pantry and the Inmate Dog Alliance Project helping to rehabilitate inmates, to rescue group collaborations and foster programs, there’s truly a service to help everyone here.


4. Better Together Animal Alliance, Ponderay, ID

Better Together believes that animal shelters should be resource centers that support all community members, both animal and human. Their unique Home To Home program gives people who can no longer keep their pets the opportunity to find new, loving homes without ever having to drop pets off at the shelter. Dogs get to go straight from one home into another.


5. Snake River Animal Shelter, Idaho Falls, ID

The Snake River Animal Shelter (SRAS), located on the beautiful banks of the Snake River, is one of the few animal shelters serving all of East Idaho. Every animal that comes to SRAS is given an unlimited length of stay to find a forever home as soon as possible. In 2019, SRAS launched the “Keep Fido Home” initiative to provide training to shelter animals and provide ADA-certified animals for Veterans and people with disabilities.


Conclusion

Keep in mind that the younger your dog is, the better the prices and coverage you’ll receive, so now is the best time to purchase dog insurance. We’ve found that Figo pet insurance performs best and has some of the lowest premiums among insurance companies.

SwiftScore Ranking Methodology for Idaho

We ranked the best pet insurance policies in Idaho based on a variety of important factors including the following:

  • Average monthly price for a 2-year-old Labrador Retriever with a $500 deductible located in Idaho with a 83712 zip code
  • Coverage and benefits
  • Key policy details including accidents and illnesses, surgeries, annual check-ups, cancer treatment, lab tests, and more
  • AM Best rating of the underwriter
  • Reimbursement percentage
  • Annual benefit amount
  • Technology and user experience
  • Ease of sign up
  • Policy language clarity
  • User reviews

Other state dog insurance resources

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