6 Best Idaho (ID) Pet Insurance Plans Compared in 2022

Updated on June 13, 2022 by Matthew H. Nash – Licensed Insurance Agent

Purchasing pet insurance in Idaho may feel like an arduous task. As a licensed insurance agent in Idaho, I understand the challenges of deciphering complex policy language and determining the best pet insurance company. I have researched everything you need to know for Idaho pets. Whether you live in Boise, Meridian, Gibbonsville, Eastport, or somewhere between, this article has everything you need to know. Read more about our unbiased ranking methodology and advertiser disclosure.

Top ID Pet Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best pet 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 June 2022 and are subject to change. For the most up-to-date information, please visit the provider website.

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

$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
4.7
  • 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

$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
4.6
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN IDAHO

$46.27/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • ASPCA is one of the most trusted names in the pet insurance industry. They have paid out almost $350 million dollars in claims since 2006
  • ASPCA is unique in that they offer affordable “accident-only” plans in addition to their preventative care coverage. Also, you can save 10% for multiple eligible pets
  • Founded in 1997 and underwritten by Crum & Forster
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN IDAHO

$63.56/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
BENEFIT

$10,000

  • Pumpkin Pet Insurance plans have extensive coverage and they always have a 90% reimbursement rate
  • They have no breed or upper age restrictions, and dental illness and hereditary conditions are covered at no extra cost
  • Founded in 2020 and underwritten by United States Fire Insurance Company
4.3
  • 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

wagmo
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

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

The price for Idaho pet 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 June 2022 and are subject to change. If you’re looking for the most up-to-date cost of pet insurance in Idaho we suggest getting a quote directly with Figo or Wagmo.

Dog Insurance Prices in Idaho:

  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

Cat Insurance Prices in Idaho:

  1. Mixed Breed – $17.77/ mo
  2. American Shorthair – $25.38/ mo
  3. Bengal – $20.28/ mo
  4. Bombay – $20.28/ mo
  5. British Shorthair – $20.28/ mo
  6. Exotic – $20.28/ mo
  7. Himalayan – $20.28/ mo
  8. Maine Coon – $21.68/ mo
  9. Persian – $21.68/ mo
  10. Ragdoll – $21.68/ mo
  11. Russian Blue – $20.28/ mo
  12. Scottish Fold – $21.68/ mo
  13. Siamese – $21.68/ mo
  14. Sphynx – $20.28/ mo
  15. Abyssinian – $20.28/ mo

Not finding your specific pet 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.

Idaho Pet Insurance FAQs

What is pet insurance? Why is it useful in Idaho?

To protect your pet to the fullest with insurance, you will have to apply for coverage with an insurance company and pay the monthly premiums to keep your policy active. Should your little friend end up in an accident or become ill, you will need to pay the vet bill at the time of service. Afterward, you can submit a claim to be reimbursed. Most insurance companies exclude pre-existing conditions, which is another reason to get your pet insured while still a juvenile (8 weeks or older).

Pet insurance is helpful in Idaho, especially in emergencies, since vet bills tend to go through the roof and therapies for illnesses like cancer can run as high as $10,000. It is not uncommon for uninsured pet owners to put their pets down because the cost of necessary treatment is beyond their reach. Insurance safeguards you from such devastating circumstances.

At what age can I get my pet insured?

Pet insurance companies require pets to be at least 8 weeks or older to get a policy put in place. The good news is that most providers do not have an age limit for insuring your pet. Keep in mind that younger animals are always cheaper to insure, which is why we recommend insuring your pet before its first birthday.

Is it worth getting pet insurance in ID?

As noted earlier, accidents and sickness are inevitable parts of every pet’s life, and in such instances, vet bills quickly pile up. Pet owners often find themselves paying upwards of $2,500 for an urgent vet visit. It is up to you to decide whether paying monthly premiums offsets the potential high out-of-pocket costs down the road.

What does pet insurance include and exclude?

Pet insurance coverage differs from one provider to the next. Still, a good rule of thumb is that your policy will cover health events deemed “sudden and catastrophic,” including things such as urinary blockages, broken bones, lacerations, eye infections, and much more. However, if your pet has cancer when you apply for an insurance policy, it will be considered a pre-existing condition and not eligible for claims. In addition to traditional policies, many pet insurance companies now feature “wellness” packages, which are add-ons. Such packages cover routine and preventative care, including heartworm prevention, annual physical exams, vaccinations, and more.

How does reimbursement work?

Hypothetically speaking, let’s say your pet needs a $5,000 surgery, and your insurance policy has a $250 deductible, along with a 90% reimbursement amount and a $20,000 annual maximum benefit. In this scenario, your provider would pay $4,500 less your $250 deductible. Therefore, you would only need to pay only $750 instead of the original $5,000. If the idea of paying vet bills up front and waiting for reimbursement stresses you out, Trupanion might be a good option for your insurance needs as they pay vets in their network directly.

Is it better to have a higher or lower deductible?

This depends on your finances and personal preference. A lower deductible will get you higher monthly payments but less out-of-pocket costs in an emergency. In contrast, a higher deductible will get you the opposite: a lower monthly premium but higher out-of-pocket costs in a crisis. It is essential to run some numbers based on your circumstances to determine what works best for you. Most providers have calculators on their websites you can use when requesting a quote. It is worth noting that the most popular deductibles among pet owners are $250 and $500.

Are there restricted breeds for homeowners insurance in Idaho?

Most states have restricted dog breeds for homeowners insurance, but this varies depending on the company. Such restrictions may include:

  • Akitas
  • Bull Mastiffs
  • Chow Chows
  • Doberman Pinschers
  • German Shepherds
  • Pit Bull Terriers
  • Rottweilers
  • Wolf-hybrids

Whether you have a dog, cat, or another type of animal, we suggest contacting your home insurance provider to determine what your policy covers and if you’ll need a specific liability rider.

5 Useful Strategies for Keeping Your Pet Safe & Healthy in Idaho

Between predators, natural disasters, and primary care, pet owners in Idaho have a lot to think about when it comes to keeping their pets safe and healthy.

1. Keep your pet hydrated

While keeping your pet well hydrated is an integral part of its health, it’s especially vital during Idaho’s hot summer months. You can do two things in tandem to ensure your pet’s hydration levels are high enough: First, keep a fresh, clean bowl of water available every day. Second, mix a couple of spoonfuls of water in with your pet’s food, regardless of whether it’s canned, dry, cooked, or raw. Doing so enhances the flavors. Whatever you do, be sure not to drown the food.

2. Register your pet

Idaho requires that all dogs be licensed, and some counties even require cats to be as well. Be sure to check with your local town or city office about their requirements. One uniform requirement throughout the state is that you will have to show proof that your pet has been spayed or neutered.

3. Treat your pet for fleas and ticks

While treating your pet for fleas and ticks is essential in Idaho, the upshot is that Lyme disease is not very common. Unlike many states that have been overtaken by deer ticks (primary Lyme disease carrier), Idaho mostly has wood ticks. However, wood ticks can transmit Rocky Mountain Spotted Fever and Tularemia, which can cause your pet to have extremely high fevers, swollen lymph nodes, serious illness, jaundice, and abdominal pain. Flea and tick medicine is available as collars and spot-on treatments. The latter is often the most effective.

4. Protect your pet against predators

Idaho has a rugged and beautiful landscape, but it also comes with some seriously dangerous predators. Some such examples include black bears, coyotes, cougars, bobcats, and mountain lions. And that doesn’t even account for other creatures that may pose a hazard to your pet, such as rattlesnakes, venomous spiders, skunks, and porcupines. If you want to reduce your pet’s chance of a run-in, be sure to keep them indoors from before dusk and until after sunrise, as many of these critters are nocturnal.

5. Prepare an emergency bag

Idaho faces a severe risk of wildfires each year, and it only seems to be getting worse. Combine this with flooding, earthquakes, and intense winter storms, and Idahoans have plenty of reasons to prepare a “go” bag for their pets. The bag should include food, water, two bowls, and medicine. If you have a cat, you will need a spare litter box and bag of litter, and if you have a dog, you will want to have an extra leash. Be sure to keep your pet’s carrier or kennel in an easily accessible place and have it lined with a thick blanket or cushion to comfort your little friend in an emergency. You may want to place a fresh pee-pad on top too.

5 Unique Animal Rescue Shelters in Idaho

1. Snake River Animal Shelter in Idaho Falls, ID

SRAS is a safe place for abused, neglected, homeless, or surrendered animals to recuperate and become healthy while waiting to find their forever homes. There is no time limit on how long an animal may stay at the shelter, but the goal is always to find a home for every companion animal. They also have a K-9 academy to train dogs to be support animals for veterans and disabled individuals.


2. MCPAWS Regional Animal Shelter in McCall, ID

MCPAWS provides shelter to cats and dogs in the west-central part of Idaho. They also have a thrift store and a veterinary hospital in which all profits help fund the shelter. Moreover, they provide affordable veterinary care that most people in the community could not otherwise afford.


3. Teton Valley Animal Shelter in Driggs, ID

TVAS is a no-kill shelter for cats and dogs in Idaho and from overcrowded kill shelters throughout the country. They provide all the necessary medical care, food, water, and affection for all the animals that come through their doors.


4. Mountain Humane Adoption and Education Center in Hailey, ID

Mountain Humane not only serves as a home for abandoned, neglected, and abused cats and dogs, the staff also socializes the animals, including training dogs. They also provide pet food assistance and affordable spaying and neutering services for those in the community who need them.


5. Better Together Animal Alliance in Ponderay, ID

BTAA is not only an animal shelter but a unique organization that helps community members keep their pets at home by supporting them with pet food assistance, temporary pet care, spay/neuter vouchers, and more. BTAA also offers a “Home to Home” program where people can adopt pets directly from their original owners so that the animals never have to reside at the shelter.


Conclusion

As you can see, choosing the best pet insurance in Idaho is far more straightforward than it may have first seemed. I suggest getting pet insurance as soon as your cat or dog is more than 8-weeks-old. (For other types of animals, check with your provider.) Remember, the younger the pet, the better prices you’ll get, and with far fewer restrictions on pre-existing conditions. Nevertheless, getting pet insurance at any age is better than never. It will help you cope financially in emergencies and cover wellness-related care. Our comprehensive research shows that Wagmo pet insurance consistently performs the best and provides the lowest monthly premiums.

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