Pet insurance is a concept that is on the rise because a lot of pet parents are starting to realize how helpful it is to have backup when there is a medical emergency. If you’re still on the fence on the matter, consider this. You would get insurance for yourself and your kids, right? Why should it be any different with the pets you are responsible for? And if it’s going to save you some money, why avoid it?
Now, if you are considering pet insurance in Idaho, here’s what you need to know. Let’s start with the costs.
Insurance Parameters in Idaho
The premiums of pet insurance in Idaho, like everywhere else, typically depend on the coverage plan you choose. But it also depends on the insurance provider, the type of pet you have, their age and also your geographical location.
For instance, if you have a mixed-breed medium-sized dog that is about three years old and weighs about 50 pounds, you will find plenty of insurance policies that cover about 80 percent of the charges. Your monthly costs will look something like this.
At $30.35 a month, it is the cheapest in the city of Nampa. Next up is Boise at $33.90 a month. Then there is Idaho City, where your monthly premiums will come up to $37.89 a month and Twin Falls and Blackfoot are tied at $38.49 a month.
What Pet Insurance Typically Covers
It is important to note that every insurance provider sets its own requirements for pet insurance. So, it is important to go through the details with a fine-tooth comb. But typically, you can expect plans of pet insurance in Idaho to cover the following areas.
- Accidents and illnesses are a big part of most insurance coverage plans. From X-rays and MRIs to surgeries, you will get good coverage for these emergencies. In fact, some companies offer accident-only plans. When it comes to illnesses, thankfully, there are many plans that cover regular occurrences like ear infections to grave diseases like cancer. Read the specifics of these plans.
- Then there are hereditary problems that many dog breeds are likely born with. Hip dysplasia is one example and it might not show up right away. While some plans cover them by default, others offer them as add-ons. The same is the case with congenital issues.
- As with human beings, alternative therapies for pets are also gaining popularity. A lot of dog and cat owners are seeking chiropractors and acupuncture specialists. And that’s why some coverage plans are starting to cover them too.
- Behavioral issues can lead to concerns like excessive licking or chewing, separation anxiety and aggression. Some pet insurers offer coverage for these conditions as an add-on. It is up to you to get or exclude this feature.
While you’re at it, you must also learn about the things that are not covered by pet insurance companies.
- Yearly immunizations and preventive care options are frowned upon by pet insurance companies. Sometimes, they are offered as an add-on and often they are only in the most expensive plan.
- Most plans do not cover conditions that your pet has had before you got the insurance. Sometimes the policy states that if your pet does not have the condition for a waiting period of one year after you sign up, it will provide coverage. If the problem occurs during the waiting period, it will be considered a pre-existing condition. Be sure to check the terms and conditions.
- Cosmetic procedures like ear cropping and removing claws are also not often covered by pet insurance providers.
- The same can be expected with pregnancy.
Best Pet Insurance Plans in Idaho
Here is a low down on some of the most recommended pet insurance companies in Idaho.
Pets Best: For Multi-Pet Homes
This is an Idaho-based company with an A+ rating from the Better Business Bureau (BBB). They offer plans for dogs and cats from the age of seven weeks with no age restriction. If you want to add a pet to a policy, you get a five percent discount.
According to your budget, you can get a deductible, reimbursement rate or set a payout limit. The monthly costs start at about $30 for dogs and $16 for cats. Depending on the plan:
- You can get 70 to 90 percent coverage
- The deductibles range from $50 to $1,000
- The payout limit can be unlimited or $5,000 annually
You can submit your claims online or on their app.
Figo: Best Technology
With an A rating from the BBB, Figo is well known for having the lowest number of complaints from its customers. They offer three different plans that allow you to select payout limits, deductibles and reimbursement rates.
The monthly costs start at $52 for dogs and $28 for cats. Depending on the plan:
- You get 70 or 80 or 90 or 100 percent reimbursement
- The payout can be unlimited or be set at $10,000 or $14,000
- Deductibles range from $50 to $500 every year
They don’t cover hereditary conditions but for whatever they do cover, the claims process is really easy.
Healthy Paws: Best for Cats and Dogs
Their reputation precedes them and it is confirmed by their A+ rating from the BBB. There have been a few complaints but they make up for it with their plans.
Healthy Paws offers rates that are below the national average and offer cover for cats and dogs from the age of eight weeks. The upper age limit for their insurance coverage is 14 years.
The monthly costs start at $32 for dogs and $17 for cats. Depending on the plan:
- You can get 70 to 90 percent coverage
- The payout is unlimited
- The deductibles range from $100 to $500 per annum
You can submit the claims on their app or online. Typically, they are processed in 10 days.
Embrace: Best for Alternative Treatments
The average annual complaints against Embrace is also below the national average and it has an A+ rating from the BBB. Embrace is well known for its customer service and its specialty is offering coverage for alternative therapies that many of its competitors don’t.
Their wellness plans are one of the most comprehensive coverage plans you have ever seen. They offer insurance for pets from the age of eight weeks and keep it that way till they are 14.
The monthly costs start at $13 for dogs and $8 for cats. Depending on the plan:
- You can get 70 to 90 percent coverage after deductibles.
- You can set the payout limit between $5,000 and $30,000 through online enrollment. You can also opt for unlimited payout if you choose phone enrollment.
- The deductibles range from $200 to $1,000 per year.
These are just a few options in Idaho albeit some of the best. Getting your pet insured will be one of the best decisions you ever make. It’s not one of those things you need to think heavily about. Get them insured and save yourself some financial trauma during difficult times.