7 Best Iowa (IA) Dog Insurance Plans Compared in 2021

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

Signing up for dog insurance in Iowa is one of the best ways to ensure that your companion lives a long, happy life and helps prevent financial strain. As a licensed Iowa insurance agent and lifelong dog owner, I’ll guide you through making the most informed decision when purchasing insurance for your pup. Whether you’re in Des Moines, Cedar Rapids, Iowa City, Le Mars, Pella, or anywhere in between, this article will arm you with the information you need. Read more about our unbiased ranking methodology and advertiser disclosure.

Top IA Dog Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best dog insurance providers in Iowa. The average monthly Iowa-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 Iowa with a 50317 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.

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

STANDARD PLAN
COST IN IOWA

$22.75/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all around Iowa dog insurance policy at the most affordable rates
  • Their user experience is world class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Iowa pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN IOWA

$30.34/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Iowa 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
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Iowa pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN IOWA

$34.13/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
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Iowa pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN IOWA

$58.58/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
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Iowa pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN IOWA

$39.27/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
4.3
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Iowa pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN IOWA

$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
spot pet insurance
4.2
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Iowa pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN IOWA

$37.51/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

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

STANDARD PLAN
COST IN IOWA

$22.75/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all around Iowa dog insurance policy at the most affordable rates
  • Their user experience is world class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders

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

The price for Iowa dog insurance is almost always the same throughout the state including in Des Moines, Cedar Rapids, Iowa City, Le Mars, or Pella, 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 Iowa we suggest getting a quote directly with Figo or Lemonade.

  1. Mixed Breed – $22.26/ mo
  2. Labrador Retriever – $30.34/ mo
  3. Golden Retriever – $30.25/ mo
  4. German Shepherd – $32.71/ mo
  5. Goldendoodle – $26.33/ mo
  6. Chihuahua – $13.86/ mo
  7. Siberian Husky – $30.42/ mo
  8. Yorkshire Terrier – $19.12/ mo
  9. American Pit Bull Terrier – $33.67/ mo
  10. Australian Shepherd – $20.93/ mo
  11. Dachshund – $19.76/ mo
  12. Shih Tzu – $17.60/ mo
  13. French Bulldog – $41.64/ mo
  14. Boxer – $41.82/ mo
  15. Labradoodle – $26.33/ mo

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

Iowa Dog Insurance FAQs

What is dog insurance?

Dogs need medical care just like humans. Dogs can also experience accidents or develop illnesses that require emergency care, which can be very expensive. To ensure that your pup can access the best care and protect your wallet, enrolling in a dog insurance plan is always a good idea.

To get started, you choose a carrier and plan that is right for you and your pup. Once you are signed up, you are required to make a monthly payment. Then, when it comes to vet bills, most companies need you to pay the amount due upfront, and then you can request reimbursement from the company afterward. For example, if your dog falls, breaks a bone, and needs emergency surgery, you will typically need to pay in full first, and then your insurance carrier will reimburse you. The one exception we have found is Trupanion, if your vet is in their network, you won’t have to pay out of pocket. They will pay your vet directly; this is great for those without access to emergency funds.

However, while dog insurance is helpful, many companies do not cover pre-existing conditions, which is vital to look into when you determine which plan to purchase. This may include conditions such as diabetes, arthritis, and epilepsy.

Why do I need it in Iowa?

No matter where you live, dog insurance is good to have. Life in unpredictable and vet care can be costly without insurance. It’s always best to consider what would happen in an emergency, could you afford thousands of dollars in vet bills?

Is there a minimum age to qualify for insurance?

Usually, the minimum age requirement for dogs to be eligible for insurance is 8 weeks. The good news is that there is no age limit, so if you adopt an older dog, he or she will be eligible, regardless of age. However, watch out for pre-existing condition exclusions, especially if your dog is older!

What are the benefits to having insurance for my dog? Does it cover everything?

What is covered by dog insurance depends on the carrier and the specific plan. The majority of dog insurance plans offer strictly basic coverage, which entails accident and illness protection. Specifically, an illness that occurs suddenly, such as a virus or infection. Pre-existing conditions usually not covered are any illnesses or chronic issues that arose before coverage, such as cancer or diabetes.

Many dog insurance companies offer additional packages that can be purchased above basic coverage. These packages may include pharmacy and vaccine or flea and tick treatments.

I keep seeing that insurance plans “reimburse.” What does that mean?

When dog insurance companies advertise that they reimburse, you pay the amount due upfront, and then they will reimburse you for your incurred costs. This involves giving you a specified reimbursement percentage, a deductible amount, and an annual max benefit. This is how most carriers operate. However, certain carriers may reimburse the vet directly.

For example, say that your dog insurance plan has an 80% reimbursement rate, a $500 deductible, and a $20,000 annual max benefit. One day, your dog breaks his leg and requires emergency surgery that costs $10,000. In this situation, you would be reimbursed $8,000 minus the $500 deductible, which would end up costing you $2500 instead of $10,000.

What kind of a deductible is best? Lower or higher?

Whether you have a high or a low deductible is totally a personal preference. Your deductible amount will determine how much you pay per month. For example, if you have a high deductible, your monthly payments will be lower.

I want to get a new dog. Are there any breeds that are restricted by homeowners insurance in Iowa?

Yes, certain breeds may be excluded from homeowners insurance. The majority of states do exclude some breeds when it comes to homeowners insurance. Examples of the most common breeds that fall into this category are:

  • Akitas
  • Doberman Pinschers
  • German Shepherds
  • Pit Bull Terriers
  • Rottweilers
  • Wolfhounds

However, such restrictions vary by state and insurance carrier. For this reason, it is best to consult with your home insurance carrier directly for more information.

5 Health & Safety Strategies for your Dog in Iowa

In addition to purchasing dog insurance, maintaining a healthy lifestyle is the best way to protect your dog and ensure that they live a long life. Here are some examples of best practices to keep your furry friend healthy and safe in Iowa:

1. Drink plenty of water

Iowa can reach impressively hot temperatures in the summer, which is why it is important to make sure that your pup stays cool and hydrated.

2. Stay inside during storms

Tornadoes are common in Iowa, especially during the summer. Most homes and public facilities are equipped with basements and warning sirens. Whenever a storm is brewing, make sure to keep your dog inside with you and hunker down in the basement together.

3. Be mindful of extreme outside temperatures

Not only can it get scorching in Iowa, winters can also be frigidly cold. During the winter, limit outside time and check for ice that may have become lodged in your dog’s paws.

4. Be aware of wildlife

Bobcats, coyotes, and skunks oh my!. When your dog is outside, make sure to watch him closely to avoid run-ins with an unfriendly foe, especially at night.

5. Stay away from too many treats, especially chocolate

Every dog deserves to indulge in a treat or two throughout the day. However, make sure to keep the chocolate out of reach of your pup. Chocolate is harmful to dogs (no matter how delicious it is to their human pets!)

5 Dog Rescue Shelters in Iowa

Are you looking for a new companion? No problem. Our team has found five unique shelters across Iowa with dogs that are looking for loving forever homes.

1. Animal Lifeline of Iowa in Des Moines, IA

This shelter is unique because it is the only special needs, no-kill shelter in Iowa. Dogs and cats that are injured, disabled, or have medical conditions are rescued by this shelter and are cared for until adoption.


2. Iowa City Animal Care and Adoption Center in Iowa City, IA

This shelter in eastern Iowa lists all animals available for adoption on its website. They also offer foster care options for those interested in caring for a shelter animal but are not ready to adopt.


3. Humane Society of North Iowa in Mason City, IA

The Humane Society of North Iowa provides shelter and care to animals of all sizes. The shelter is able to hold nearly 100 animals at a time and also offers numerous volunteer opportunities.


4. Heartland Human Society in Ottumwa, IA

This no-kill animal shelter began as a small-scale operation to help lost and abandoned animals. Today, this shelter helps tons of animals find their fur-ever families each year and offers other services such as help finding lost animals and microchipping.


5. Animal Rescue League of Iowa in Des Moines, IA

This is the largest non-profit animal rescue in the state of Iowa. Not only does this shelter care for thousands of animals every year, they also provide support with behavior training, locating lost animals, end-of-life help, and support with vet care.


Conclusion

Purchasing dog insurance for your pup is beneficial in keeping your dog healthy and not break your wallet on vet bills. While finding the right insurance can be overwhelming, the most important thing is to find one that is right for you and your dog’s needs. Along with pet insurance, make sure to practice healthy habits each day to keep your dog happy and healthy with plenty of walks, playtime and belly rubs.

Long story short, we found Lemonade pet insurance is all-around the best provider at the most affordable rate.

SwiftScore Ranking Methodology for Iowa

We ranked the best pet insurance policies in Iowa 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 Iowa with a 50317 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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