7 Best Iowa (IA) Pet Insurance – Average Cost in 2022

Updated on by Matthew H. Nash – Licensed Insurance Agent

As a licensed insurance agent in Iowa and lifelong pet parent, I know pets are wonderful companions and family members, but their care can be pretty expensive. Emergency surgeries can cost over $10,000, not including the cost of follow-up care and medications. However, thanks to pet insurance, there is no need to panic. Pet insurance is one of the best ways to keep your pet healthy and your wallet full. So, if you are a pet owner in Orange City, Cedar Rapids, Fairfield, North Liberty or Des Moines, this article will tell you everything you need to know about enrolling in a pet insurance plan in Iowa. Read more about our unbiased ranking methodology and advertiser disclosure.

Top IA Pet Insurance Scored, Ranked & With Cost

Use our table below to quickly compare the best pet 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 2022 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 pet 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 pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN IOWA

$53.17/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
4.5
  • 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

$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
4.5
  • 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 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

  • 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
4.2
  • 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

$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

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 pet 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 & cat insurance cost in Iowa for the 15 most popular breeds?

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

Dog Insurance Prices in Iowa:

  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

Cat Insurance Prices in Iowa:

  1. Mixed Breed – $12.95/ mo
  2. American Shorthair – $15.31/ mo
  3. Bengal – $15.31/ mo
  4. Bombay – $15.31/ mo
  5. British Shorthair – $15.31/ mo
  6. Exotic – $15.31/ mo
  7. Himalayan – $15.31/ mo
  8. Maine Coon – $16.15/ mo
  9. Persian – $16.15/ mo
  10. Ragdoll – $16.15/ mo
  11. Russian Blue – $15.31/ mo
  12. Scottish Fold – $16.15/ mo
  13. Siamese – $16.15/ mo
  14. Sphynx – $15.31/ mo
  15. Abyssinian – $15.31/ mo

Not finding your specific pet 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 Pet Insurance FAQs

What is pet insurance?

Pet insurance is essentially medical coverage for pets. There are many different providers and plans to choose from, but pet insurance generally offers coverage for veterinary costs that result from sudden illness or accidents. To sign up, you need to select a plan, pay a monthly premium, and then you are all set!

Pet insurance operates slightly differently from human health insurance in that most pet insurance plans use a reimbursement model, which means that pet owners are reimbursed for veterinary costs. While you may need to pay your vet bills up front, you will be refunded a certain amount by your insurance provider.

Is pet insurance available for all pets?

Yes! Pet insurance is available for any house pet that you may have, whether you have a dog, cat, bird, hamster, potbelly pig, or snake.

The specific plans available may vary by animal. For example, the programs available for dogs usually differ from those available for cats. When selecting a plan, make sure that the plan includes coverage for all of your pet’s unique needs.

Are there any age requirements or restrictions to enroll in pet insurance?

It is common for pet insurance plans to require that pets meet specific age requirements to be eligible for pet insurance. For example, most plans require kittens to enroll in a plan are at least 6 weeks old. However, age requirements vary by provider and pet.

Conversely, there is usually not an age limit to enroll pets in pet insurance. This means that you can enroll your pet at any time, as long as the minimum age requirement is met. Also, pet insurance does not expire, as long as you pay the monthly premium.

What services are covered by pet insurance?

Every pet insurance provider and plan is different. However, most offer basic coverage, which includes unexpected/emergency veterinary care for illness and accidents. Other plans offer the basic coverage plan outlined above in addition to prescription coverage and routine check-up coverage. Since every plan is different, it is important to select the right plan for you and your pet.

It is important to be aware that pet insurance companies rarely cover expenses related to pre-existing conditions. These include any ailments that were present/diagnosed before coverage began. This is why it may be a good idea to enroll your pet in insurance at a young age to avoid potentially high out-of-pocket costs for pre-existing conditions.

How will I be reimbursed?

After your pet receives veterinary care, you will receive a bill. In most cases, you as the owner will need to make an initial payment, and then you can submit a reimbursement request to your insurance provider. Your insurance provider will then reimburse you for the costs incurred.
However, it is crucial to know that you will most likely not be reimbursed for the entire bill. The amount that your pet insurance carrier reimburses you for veterinary costs depends on your reimbursement rate, your deductible, and your annual maximum benefit.

For example, you have cat insurance with an 80% reimbursement rate, a $250 deductible, and a $25,000 maximum benefit. One day, your cat needs emergency surgery and stays in the hospital overnight. The total cost of care comes to $13,000. Then, you submit a reimbursement request to your provider. After factoring in your reimbursement rate, deductible, and maximum benefit, your provider would reimburse you $10,400 minus the $250 deductible. This means that you will ultimately be reimbursed $10,150 and only need to pay $2,850 instead of $13,000.

Should I enroll in a plan that has a high or a low deductible?

There are pros and cons to both high deductible and low deductible plans. Lower deductibles usually mean higher monthly payments. Conversely, plans with higher deductibles mean lower monthly payments but less coverage during an emergency. Whichever plan you choose depends on your personal financial preferences.

Are any pets restricted from homeowners insurance in Iowa?

The pets that are most commonly excluded from homeowners insurance are certain dog breeds. Some breeds are more likely to be aggressive towards humans and other dogs, such as German Shepherds and Pitbulls. Other commonly restricted breeds include:

  • Akitas
  • Chow Chows
  • Doberman Pinschers
  • Bull Mastiffs
  • Rottweilers
  • Wolfhounds

If you own one of these breeds or are looking to bring one of these dog breeds into your family, we suggest that you contact your homeowner’s insurance company to discuss any restrictions.

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

In addition to pet insurance, there are numerous strategies that you can implement daily to keep your pet healthy and safe in Iowa.

1. For Dogs: Avoid hot paws

Located in the heart of America, Iowa is a hotspot for extreme weather conditions, especially scorching hot summers. It is important to limit time walking on the pavement when walking your pup, as pavement can reach dangerously hot temperatures during the summer. This can damage your puppy’s paws and be quite painful.

2. For (Outdoor) Cats: Watch the Weather

Lots of felines enjoy spending time outside. If you have an outdoor cat, make sure to keep an eye on the weather and watch for potential storms. Due to the heat and humidity, Iowa can experience pop-up thunderstorms and tornadoes during the summer. You would not want your kitty to be outside during one of those storms.

3. For Birds: clean cage

No matter where you live or what kind of bird you have, a clean cage makes for a happy (and sanitary) bird. Make sure that you clean your bird’s cage regularly, including picking up droppings, changing the water, and providing fresh food.

4. For All Pets: Healthy Diet

All pets need to follow a well-balanced diet to stay healthy. While specific nutritional needs vary by animal, it is important to make sure that your pet eats a healthy diet everyday. Some treats are okay, but make sure they don’t snack too much, as weight gain can lead to undesirable health issues.

5. For All Pets: Regular Vet Visits

Some pets may go many years without needing medical treatment. However, bringing your pet in for routine preventative exams at the vet is never a bad idea, especially if your insurance plan covers routine exams.

5 Unique Animal Rescue Shelters in Iowa

Numerous animal rescues and shelters across Iowa rehabilitate thousands of animals every year. If you are interested in bringing a new pet into your family, take a look at these five shelters.

1. Story County Animal Shelter in Nevada, IA

This small county animal shelter rescues dogs and cats primarily. The shelter is a warm and welcoming environment for both animals and humans, and has animal meet and greet rooms and a large play area. Interested families can now apply online to adopt an animal by visiting the shelter’s page on the county’s website.


2. Stephen Memorial Animal Shelter in Oskaloosa, IA

This animal shelter originally operated as a “pound” for lost animals. Today, this shelter prides itself on its dedication to finding solutions other than euthanasia, including foster care. In addition to finding permanent homes for animals, this shelter also engages in programs that educate the local community on properly caring for animals.


3. Boone Area Humane Society in Boone, IA

As a no-kill shelter, this rescue focuses on rescuing and rehabilitating lost and abandoned animals, and finding them permanent homes. In addition to adoption, this shelter also offers a foster program and resources for current pet owners.


4. Emmet County Animal Shelter in Estherville, IA

This shelter is operated entirely by volunteers and follows no-kill policies. This shelter also educates the public on “Adopt, Don’t Shop,” which encourages people to adopt instead of purchasing animals at pet stores to help fight animal cruelty and neglect.


5. Cedar Valley Humane Society in Cedar Rapids, IA

This humane society offers tons of programs to help improve the well-being of all animals in the local community. In addition to rescuing animals of all kinds, this shelter operates a Cat Companions program, which matches a rescue cat to an elderly individual who is seeking companionship.


Conclusion

Even though enrolling in pet insurance can seem confusing, all you need to do is find the right plan for your pet, pay your monthly bill, and then your companion will be covered. Life is unpredictable and your pet can become ill at any time. Pet insurance can help alleviate the financial burden associated with vet bills and make sure that your pet can get the medical care they need. We all want our pets to live with us for as long as possible and pet insurance is a crucial tool to help make that happen. The best overall plan we have reviewed for price and coverage is Lemonade Pet Insurance.

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