7 Best Utah (UT) Dog Insurance Plans Compared in 2021

Updated on by Matthew H. Nash – Licensed Insurance Agent

Buying insurance for your furry best friend in Utah can certainly be intimidating. Being a lifelong dog owner and Utah-licensed insurance agent, I know how confusing insurance policies can be. At times it feels impossible to decipher the difficult language, let alone choose the right policy. Thankfully, I’ve done all the research for you. Whether you live in Salt Lake City, Ogden, Provo, St. George, or anywhere in between, this article has everything you need to know. Read more about our unbiased ranking methodology and advertiser disclosure.

Top UT Dog Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best dog insurance providers in Utah. The average monthly Utah 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 Utah with a 84103 zip code. Costs may vary based on age, location, coverage amount, and depending on the breed of your puppy. Prices are accurate as of August 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 pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN UTAH

$30.83/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all around Utah 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
4.6
  • 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 UTAH

$33.89/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Utah 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
4.4
  • 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 UTAH

$54.89/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 pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN UTAH

$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
4.4
  • 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 UTAH

$43.87/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 IN UTAH

$61.47/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
spot pet insurance
4.1
  • 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 UTAH

$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

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 IN UTAH

$30.83/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all around Utah 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 Utah for the 15 most popular breeds?

The price for Utah dog insurance is almost always the same throughout the state including in Salt Lake City, Ogden, Park City, Provo, or St. George 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 August 2021 and are subject to change. If you’re looking for the most up-to-date cost of dog insurance in Utah we suggest getting a quote directly with Figo or Lemonade.

  1. Mixed Breed – $33.89/ mo
  2. Labrador Retriever – $43.57/ mo
  3. Golden Retriever – $52.93/ mo
  4. German Shepherd – $50.25/ mo
  5. Goldendoodle – $42.12/ mo
  6. Chihuahua – $17.91/ mo
  7. Siberian Husky – $47.93/ mo
  8. Yorkshire Terrier – $25.30/ mo
  9. American Pit Bull Terrier – $49.86/ mo
  10. Australian Shepherd – $31.43/ mo
  11. Dachshund – $29.24/ mo
  12. Shih Tzu – $25.37/ mo
  13. French Bulldog – $60.97/ mo
  14. Boxer – $71.62/ mo
  15. Labradoodle – $42.12/ mo

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

Utah Dog Insurance FAQs

dog enjoying walk at flaming gorge utah

One of Utah’s happy dogs enjoying the views at Flaming Gorge Reservoir

What is dog insurance?

Just like you and I need health insurance to help cover our medical costs, so do our pets! Dog insurance is simply a health care policy for your dog that reimburses certain medical expenses.

Why do I need dog insurance in Utah?

To fully protect your dog with insurance, you will first need to sign up with an insurance company that provides pet policies. A monthly or yearly payment is required  to keep your policy active. If your furry friend comes down with an illness or has an accident, you will generally be required to pay for care up front and subsequently submit an insurance claim for reimbursement. 

Tip: Insurance companies are often notorious for excluding certain pre-existing conditions. We recommend obtaining dog insurance while your pet is still a young puppy (after 8 weeks of age) before most pre-existing conditions would set in. 

Dog insurance is incredibly useful in Utah since vet bills can be colossal for treatments like cancer that end up costing considerably over $10,000. Sadly, many uninsured dog owners have to make the difficult decision to put their animals to sleep because the cost of treatment is simply unfeasible. Dog insurance takes that worry away.

When will my puppy be old enough for insurance?

The majority of insurance companies require your puppy to be a minimum of 8-weeks-old before you’re eligible to apply for coverage. Younger dogs are usually much cheaper to insure compared to older dogs, therefore we recommend you obtain insurance before your dog’s first birthday.

Is dog insurance worth it in Utah?

Like I stated above, vet bills can quickly pile up and become overwhelming. Accidents and illnesses are a fact of life we must prepare for. Many dog owners spend $3,000 or more for an emergency vet visit at some point during their pet’s life.

Everyone’s situation is different. It is up to you to decide whether paying monthly insurance premiums is worth it, versus paying potentially high out-of-pocket emergency costs. Utah veterinarians are considered middle-of-the-pack when it comes to prices, which makes them slightly more expensive than some other states, but still in reach for many dog owners.

What is and isn’t covered by insurance?

Coverage varies between providers, but most accidents and illnesses are covered unless specifically excluded in the policy language. Keep in mind, anything that is considered “sudden and catastrophic” will be most likely be covered—i.e. broken bones, infections, allergies, swallowing a rock. (We’ve all been there!) 

However, some ailments are not covered. For example, if your dog already has cancer when you apply for insurance, this would qualify as a pre-existing condition, which usually isn’t eligible for coverage. Some providers have started offering add-on “wellness” packages to cover vaccines, routine check-ups, and more to help offset costs.

What about reimbursement?

Let’s say you have dog insurance with a 90% reimbursement amount, a $250 deductible, and a $20,000 annual max benefit. Then an accident occurs, requiring a $10,000 emergency vet surgery. In this event, your insurance company would reimburse you $9,000 minus your $250 deductible, meaning your out-of-pocket cost is $1,250 instead of $10,000. 

An exception to this rule is Trupanion, a company that offers payment directly to in-network vets, requiring no out-of-pocket payments from you.

Do I want a lower deductible?

A lower deductible generally equals higher monthly payments, but a lower cost to you in the event of an emergency. A higher deductible means lower monthly payments, but a bigger bill at the vet. It’s best to calculate your needs based on your unique financial situation. A $250 or $500 deductible is the most common.

Does my Utah homeowners insurance allow all dog breeds?

Most states have restrictions on certain dog breeds in order to obtain homeowners insurance. These breeds may include (but are not limited to):

  • Akitas
  • Chow Chows
  • Doberman Pinschers
  • German Shepherds
  • Bull Mastiffs
  • Pit Bull Terriers
  • Rottweilers
  • Wolfhounds

For the most accurate and up-to-date information, please contact your local home insurance provider.

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

black dog running through snow in park city utah

It’s important to make sure your puppy is comfortable in Utah’s everchanging weather

1. Know what to do during a wildlife encounter

Utah is a vast state, home to abundant wildlife. Many Utahns love taking their dogs on hikes in the mountains where wildlife encounters are a real concern. Although seeing animals such as coyotes and cougars in person can be an exhilarating experience, it is also incredibly dangerous if these animals get too close. To keep your dog (and yourself) safe in the event of a wildlife encounter, practice the following: 

  • Keep your dog leashed.
  • Stay calm and do not run.
  • Stomp your feet, clap your hands, shout, and make any loud noises you can.
  • Do not turn your back on the wild animal. Stay facing them and back away slowly.
  • If attacked, fight back to the best of your abilities.
  • Put your own safety first. Yes, your dog is like family, but as in any emergency, ensuring your own safety is the first priority. 
  • If your dog is bitten, consult a veterinarian for treatment as soon as possible.

2. Know how to avoid overheating in the Utahn sun

Utah summers are hot! The temperature is known to regularly reach over 100 degrees between June and September. Just as you and I don’t react too well to extreme heat, neither does your dog. Here’s how to care for your canine companion when it’s hot outside.

  • Keep your dog hydrated with clean, cold water, and make sure there is access to shade outdoors.
  • Know the symptoms of overheating: excessive panting, difficulty breathing, increased heart rate, drooling, lethargy, seizures, bloody diarrhea, vomit and/or fevers are all known signs.
  • Don’t leave your dog unattended in a car during a Utah summer. If it’s between 80 degrees to 100 degrees outside, the inside of your car can reach a fatal 130 to 172. 
  • Don’t walk your pooch on hot concrete or asphalt. It can burn their paw pads. Walk on grass, or walk in the early morning or late evening hours when it’s slightly cooler.

3. Learn how to safely interact with water

With ample water recreation opportunities from boating and swimming, to paddling, rafting and more, Utah dogs are used to spending time in the water, but safety precautions must be taken to ensure an enjoyable experience. 

  • Don’t leave dogs unsupervised. Not all dogs are adept swimmers, or even know how to swim! 
  • Make sure your doggy wears a flotation device. It may look somewhat silly, but can be a lifesaver during an emergency.
  • Bathe your dog after swimming. There are all kinds of unpleasant things in water—pool chemicals, lake bacteria, dirt, salt, etc. These can pose health hazards to your furry friend.

4. Do your best to avoid preventable illnesses

Getting sick is a fact of life for all creatures, but there are measures we can take to keep our pets healthy in Utah.

  • Take your dog to the veterinarian for a yearly checkup.
  • Vaccinate your dog. Vaccinations protect your dog from deadly diseases including distemper, parvo, and rabies.
  • Keep your pup clean. Dispose of their excrement regularly and keep them from digging through trash or leftover food. Bathe as needed.
  • Spay or neuter your dog. Not only does this procedure prevent reproduction, but it can also prevent certain cancers.

5. Know what your dog is eating

Many people like to feed dogs table scraps or leftovers. Sometimes when we’re not watching, dogs will also chew on household items, eat strange plants on walks, or even swallow garbage. It’s important to know what’s going in your dog’s mouth at all times!

  • Don’t feed dogs table scraps or leftovers. Only give them dog food or foods approved by their vet. (Even when they beg!)
  • Supervise your dog at all times outdoors.
  • Keep your dog occupied and entertained with attention, affection, toys, and treats.
  • Train your pooch. Many bad behaviors occur due to lack of training. If you’re not equipped to train your best friend on your own, there are numerous trainers who will work their magic here in Utah!

5 Amazing Dog Shelters in Utah

newly adopted mixed breed dog in utah

We believe adopting a cute puppy in Utah is one of the best and most humane ways to expand your family

Looking to add a new canine companion to your family? These five Utah animal shelters are incredible and ethical, places to find your new friend.

Humane Society of Utah, Murray, UT

Dedicated to the elimination of pain, fear, and suffering in all animals, The Humane Society of Utah saves over 12,000 animals a year and places nearly 10,000 adoptions into homes. The Humane Society’s placement rate (also known as “live-release,” which includes adoptions, transfers to other humane groups, and reunions with owners) exceeds 90% for all animals.

Nuzzles & Co. Pet Rescue and Adoption, Park City, UT

Located on a 16,000-square-foot ranch that includes a full veterinary suite, catio (cat patio!), enrichment area for dogs, and more, Nuzzles & Co. has found loving homes for over 22,000 pets. They also work to educate local communities on the humane treatment of animals through partnerships, events, and even dog sleepovers. 

Best Friends Animal Sanctuary, Kanab, UT

Located in scenic southern Utah, Best Friends Animal Sanctuary is the home-between-homes for about 1,600 rescued dogs and cats, horses, birds, rabbits, potbellied pigs, farm animals, and assorted wildlife.

Second Chance for Homeless Pets, Millcreek, UT

Second Chance for Homeless Pets was founded in 2000 when 19-year-old Rhonda Greenhalgh drove to California to save a deaf Boxer from euthanization. Ever since, she and the team at Second Chance have worked to end the homeless pet epidemic and provide love and care to all animals, no matter their age or health status.

Best Friend Lifesaving Center, Salt Lake City, UT

Best Friend’s “No More Homeless Pets” initiative has cut the number of pets killed in Utah shelters by over half since 2000. The Best Friend’s Lifesaving Center in SLC gives homeless pets their best chance to find forever homes and brings Utah closer to being a no-kill state every day. 

Conclusion

We hope we’ve made finding the best dog insurance in Utah for your best friend a little easier. Signing up for dog insurance sooner, rather than later in your dog’s life is best since you will get lower prices and fewer restrictions on pre-existing conditions. Already missed the puppy window? The next best time is now! Dog insurance at any age of your buddy’s life will be vital in the event of an accident or illness. Plus, it will simply give you peace of mind. 

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

We ranked the best pet insurance policies in Utah 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 Utah with a 84103 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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