7 Best Utah (UT) Cat Insurance Plans Compared 2022

Updated on June 09, 2022, by Matthew H. Nash – Licensed Insurance Agent

When purchasing insurance for your cat or kitten, it can be easy to feel overwhelmed. As a lifelong pet owner and a licensed insurance agent for Utah, I am familiar with the particularly complicated language in policies, and I know just how frustrating it can be to determine which cat insurance company is best for your pet. I have taken the guesswork out of insurance research, specifically for Utah cats. Whether you live in Salt Lake City, Provo, Heber, Ogden, St. George or anywhere in between, this article will provide you the insight you need to find the best insurance for your pet. Read more about our unbiased ranking methodology and advertiser disclosure.

Top Utah (UT) Cat Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best Utah (UT) Cat insurance providers. The average monthly specific prices shown are based on a healthy 2-year-old Utah (UT) Cat with a $500 deductible and 90% reimbursement amount who is located in California with a 90210 zip code. Costs may vary based on age, location, and the coverage amount. Prices are accurate as of January 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 pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR UTAH (UT) CATS

$11.00/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best Utah (UT) Cat 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
pumpkin logo
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 FOR UTAH (UT) CATS

$21.32/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$10,000

  • Pumpkin Pet Insurance plans have extensive coverage and they always have a 90% reimbursement rate
  • Pumpkin Pet Insurance plans 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
4.4
  • 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 FOR UTAH (UT) CATS

$16.08/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 community based subscription service supported by its members
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 FOR UTAH (UT) CATS

$27.85/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
4.3
  • 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 FOR UTAH (UT) CATS

$25.22/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 pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR UTAH (UT) CATS

$26.63/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
4.2
  • 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 FOR UTAH (UT) CATS

$27.73/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Utah (UT) Cat 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

lemonade
4.9
  • 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 FOR UTAH (UT) CATS

$11.00/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best Utah (UT) Cat 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

Utah (UT) Cat Insurance FAQs

How does cat insurance work, and why do I need it in Utah?

To ensure your cat is covered via insurance, you will need to sign up with an insurance company and pay a fixed amount each month to keep the policy active. In the unfortunate event that your feline friend falls ill or has an accident, you are typically required to pay the veterinary bill in full at the time of service and submit a claim afterward to receive reimbursement from your insurer. It is important to remember that insurance companies often like to exclude certain pre-existing conditions when providing coverage. One of the reasons we recommend getting cat insurance while your pet is still in the kitten phase (after 8 weeks of age) is to prevent conditions from being excluded.

Insurance for your cat is very beneficial in Utah as vet bills often become astronomically high for therapies like cancer treatment, which can cost well over $10,000. Unfortunately, many uninsured pet owners confront the difficult decision to put their animals down simply because they cannot afford the cost of treatment.

How old does my kitten need to be to get insured?

Most cat insurance companies will require that your kitten is at least 8-weeks-old before you can apply for kitten insurance. However, most providers do not have an age limit when applying for cat insurance. Since younger animals are typically much cheaper to insure, we recommend getting your cat insured before their first birthday.

How important is it to get cat insurance in Utah?

Illnesses and accidents are bound to occur in your cat’s lifetime, and the vet bills that follow can quickly pile up. Many cat owners find that they can end up spending $3,000 or more for an emergency vet visit at some point in their pet’s life. You will need to determine whether the payment of monthly insurance premiums is worth mitigating potential high out-of-pocket vet bills in the future.

Which services are covered with cat insurance, and what is excluded?

Each cat insurance provider will have varying coverage options, but most accidents or illnesses will be covered unless expressly excluded. Anything that is “sudden and catastrophic” is typically covered. Broken bones, eye infections, swallowing a tennis ball, or allergies will be covered under most cat insurance policies. If your cat already has cancer when you apply for insurance, this would qualify as a pre-existing condition and will not be eligible for claims. “Wellness” packages are now offered by many insurance providers, a coverage add-on that helps you pay for routine things like vaccinations, regular check-ups, and heartworm prevention.

How does reimbursement work?

Suppose you have a cat insurance policy with a 90% reimbursement amount, a $250 deductible, and a $20,000 annual max benefit, and something happens with your pet that requires a $10,000 emergency vet surgery. In this instance, your insurance company would reimburse you $9,000 minus your $250 deductible. This means that you would be paying $1,250 out of pocket instead of $10,000. Trupanion is one insurance company that is an exception to this rule. They offer payment directly to vets in their network, preventing you from having to pay any money out of pocket.

Is a lower deductible better, and where is the sweet spot?

A lower deductible usually means higher monthly payments. While having a low deductible requires you to pay a more considerable amount each month, it ensures that you won’t have to pay as much out of pocket when there is a catastrophe. You need to do the math yourself based on your financial situation. Many providers offer an easy-to-use calculator when getting a quote for an insurance policy. Based on our findings, the majority of people choose a $250 or $500 deductible.

5 Useful Strategies for Keeping Your Cat Safe & Healthy in Utah

1. Groom your cat regularly

Whether you have a long or short-haired breed, routine brushing or combing is incredibly important for your cat. Brushing removes loose, dead hair so your cat doesn’t ingest it while self-grooming, which can cut down on the occurrence of hairballs.

2. Provide fresh water daily

Generally speaking, cats do not have an active thirst drive. Akin to their feline cousins in the wild like leopards and lions who get the moisture they need from their prey, domesticated cats do not seek out water sources. Due to this indifference as well as Utah’s dry climate, many cats are susceptible to dehydration. Providing your feline friend with fresh water from a drinking fountain can stimulate their curiosity and encourage them to use it.

3. Keep your cat’s teeth clean

Cat’s teeth can develop tartar, just like humans. This tartar can lead to tooth decay and gum disease if their teeth aren’t brushed regularly. Without routine brushing, their teeth can also harbor bacteria that can enter their bloodstream and cause infections. Cats can’t brush their teeth, and many will not let their owners brush them either, so it is essential to schedule teeth cleaning with your vet at least once a year.

4. Spay or neuter your cat

There are many reasons to spay or neuter your cat. One of the most important is preventing your cat from contributing to overpopulation. Spaying and neutering also have health benefits like avoiding uterine infections and ovarian cancers in female cats and testicular cancer and prostate problems in male cats.

5. Keep your cat indoors

Utah offers many wonderful outdoor spaces to explore and enjoy, but these areas are home to potentially dangerous wildlife. Outdoor cats are at risk of becoming prey to large predators like foxes, cougars, coyotes, and raptors. They may also contract diseases such as rabies if they come in contact with wildlife. Protect your pet by keeping them indoors.

Conclusion

Choosing the right cat insurance in Utah for your kitten or adult cat can be made simple. We suggest signing up for cat insurance as soon as your kitten has reached 8 weeks old. The sooner you apply for insurance in your cat’s life, the better, as this guarantees you will get the best prices with the least amount of restrictions like those associated with pre-existing conditions. Regardless of your feline friend’s age, purchasing cat insurance is extremely valuable in covering catastrophic events and overall wellness costs.

Ready to get started? After countless hours of research, we’ve found that Lemonade pet insurance consistently performs the best with the lowest monthly premiums.

SwiftScore Ranking Methodology for Utah (UT) Cats

We ranked the best pet insurance policies for Utah (UT) Cats based on a variety of important factors including the following:

  • Average monthly price for a 2-year-old Utah (UT) Cat with a $500 deductible located in the 84103 zip code (Please note: prices will vary greatly based on your location)
  • 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

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