Get the Best Pet Insurance in Utah in 2025

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Are you living in Utah and trying to find the best pet insurance options for 2024? With so many plans out there, it’s important to know what makes a good policy stand out. Understanding these details can help you pick a plan that fits your budget and meets your pet’s unique needs.

This guide will walk you through choosing the best pet insurance for your furry friend in the Beehive State. We’ll cover costs, compare top plans, and outline the specific laws and protections in Utah. By the end, you’ll have all the information you need to select the right coverage to keep your pet happy and healthy.

Summary: Best Utah Pet Insurance Ratings

AKC Pet Insurance

Best for pets with pre-existing conditions

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

ASPCA Pet Insurance

Best for wide-ranging coverage

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Embrace

Best for flexible policy options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Felix

Best for cats

Max Annual Coverage

$15,000

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Figo

Best for reimbursement options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$750

Pets Best

Best for senior pets

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$50-$1,000

Pumpkin

Best for puppies and kittens

Max Annual Coverage

Unlimited

Reimbursement Choices

90%

Deductible

$100-$1,000

Spot

Best for straightforward waiting periods

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Comparison information is provided using publicly available information as of 12/6/2024 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing [email protected].

How Much Does Pet Insurance Cost in Utah?

According to our research, Utah pet insurance costs an average of $36 per month. This gets you a plan with $5,000 in annual coverage, a $250 deductible, and an 80% reimbursement level. For unlimited annual coverage with the same deductible and reimbursement rate, it's $56 a month*.

We calculated these figures by averaging the monthly costs from eight major pet insurance providers. To estimate typical expenses, we gathered quotes for a three-year-old, medium-sized, mixed-breed dog in two Utah cities: Salt Lake City, a major urban center, and Murray, an average-sized city for the state.

It's important to note that your own Utah pet insurance cost will depend on factors such as:

• Annual limit, deductible, and reimbursement level. These are the three primary components that determine your monthly premium. The annual limit is the maximum amount the policy will pay out in a year. The deductible is the amount you pay out-of-pocket before the insurance starts to cover costs. The reimbursement level is the percentage of the covered costs the insurance pays after the deductible. Generally, the higher the annual limit and reimbursement level, the more expensive the policy will be.
• Breed and gender. Some breeds are more prone to certain health conditions than others, which can impact the cost of insurance. Additionally, some insurers may charge different rates based on the gender of your pet.
• Your location. Where you live can affect the cost of pet insurance. Urban areas tend to have higher premiums due to the higher cost of veterinary care in cities.
• Your pet’s age. Just like with human insurance, the younger your pet is when you enroll them in a policy, the lower the premium will be. As they age, premiums may increase.

Additionally, there are other factors that can affect the cost of pet insurance, such as pre-existing conditions, your pet’s lifestyle, and whether or not you choose to add on any optional coverage. That's why it's vital to compare Utah pet insurance plans carefully and choose a policy that suits your budget and your pet's individual needs.

Cost of Pet Insurance for Dogs in Utah

According to our research, the average cost of pet insurance for a medium-sized mixed breed dog in Utah is $36 per month*. This is based on a policy with $5,000 of annual pet insurance coverage, a $250 deductible, and an 80% reimbursement level. A policy offering unlimited annual coverage, with a deductible of $250 and an 80% reimbursement rate, costs $56 monthly.

Cost of Pet Insurance in Utah by Dog Breed

According to the American Kennel Club (AKC), the three most popular dog breeds of 2023 in the U.S. were the French Bulldog, Labrador Retriever, and Golden Retriever. Here are the monthly pet insurance rates you can expect to pay for these breeds in Utah:

Cost of Pet Insurance for Cats in Utah

Pet insurance for cats is significantly cheaper than dog insurance in Utah. The average monthly cost for cat insurance in Utah ranges from $13 to $47, depending on factors such as age, annual coverage, breed, deductible, plan type, and reimbursement amount**.

Cost of Pet Insurance in Utah by Cat Breed

In 2023, the three most popular cat breeds in the U.S. were the Ragdoll, Maine Coon Cat, and Persian, according to the Cat Fanciers' Association (CFA). Based on our analysis of Utah pet insurance, here are the average monthly rates for these breeds:

Cost Comparison for Pet Insurance Companies in Utah

Types of Pet Insurance Plans

Pet insurance companies offer policies that cover a wide range of issues, from accidents and illnesses to routine care. Here's an overview of the most common types of pet insurance plans:

Accident and Illness

This type of policy typically covers unexpected accidents and illnesses, such as broken bones, cancer, and infections. It generally includes diagnostic tests, x-rays, ultrasounds, exam fees, hospital stays, surgeries, and prescription medications.

Coverage may also extend to treatments like prosthetic devices, mobility aids, and, in some cases, alternative therapies such as acupuncture or chiropractic care. Coverage for behavioral issues and insurance for senior dogs and senior cats can vary between providers and might not always be included in the base plan, requiring add-ons or separate policies.

Accident Only

Accident-only pet insurance policies are typically the most affordable plans available, covering injuries from accidents like cuts, broken bones, and sprains. This includes vet exams, diagnostic testing (x-rays, MRIs, ultrasounds), hospitalization (surgery and treatment), medications, and rehabilitation.

Wellness and Routine Care

Wellness and routine care plans help manage and offset the cost of preventive care to keep your pet healthy. These policies generally cover routine check-ups, vaccinations, dental cleanings, microchipping, deworming, spay/neuter surgeries, and flea and tick prevention. This type of coverage is often available as an optional add-on to an accident and illness policy.

Pre-Existing Conditions

Pet insurance providers traditionally do not cover pre-existing conditions, making this an essential factor for pet parents to consider when choosing a policy. A pre-existing condition is any health issue that your pet was diagnosed with or showed symptoms of before the start date of the insurance policy or during the waiting period.

However, some insurance companies distinguish between curable and incurable pre-existing conditions. For curable conditions, if your pet has been symptom-free and has not required treatment for a specific period – typically for 6 to 12 months before the policy start date – these conditions might then be eligible for coverage. In contrast, incurable conditions, such as chronic diseases or ongoing illnesses, are generally not covered at any point.

Review your sample policy from your provider for a full list of condition coverage and exclusions.

Reimbursement

Reimbursement rates dictate the percentage of the vet bill that will be paid back to you after you've met your deductible. Common reimbursement levels offered by pet insurance companies range from 70% to 90%. Keep in mind that higher reimbursement rates typically result in higher monthly premiums, so you'll need to find the right balance that works for your budget and needs.

Waiting periods are another vital component of pet insurance policies. They refer to the time between the start date of your policy and when coverage actually begins. Most pet insurance plans have a waiting period for both accidents and illnesses, which can range from a few days to several months.

Accidents usually have a shorter waiting period, often starting within 48 to 72 hours after the policy begins, while waiting periods for illnesses might last anywhere from 14 to 30 days or more. It's vital to note these periods because no claims can be made for accidents or illnesses that occur during the waiting period.

How to Find the Best Pet Insurance in Utah

When choosing pet insurance in Utah, it’s important to consider the state’s unique environment and how it might affect your pet’s health. Utah’s diverse landscapes, from deserts to mountainous areas, present specific risks that your pet may encounter.

Valley Fever, a fungal infection from disturbed soil, can occur in southern parts of Utah and lead to respiratory issues or more serious complications. Rabies is another concern, with bats being the primary carriers in the state. Vaccinating pets and ensuring coverage for potential treatments is essential.

Rattlesnake bites are a significant threat for pets that spend time outdoors, especially on hikes or in desert areas. These bites can be life-threatening if untreated. Utah’s hot summers also increase the risk of heatstroke and dehydration for pets, particularly if they are left in cars or without shade and water.

Comprehensive pet insurance that covers emergency treatments, preventive care, and region-specific risks like Valley Fever and rattlesnake bites can help you manage unexpected health challenges. With the right plan, you can ensure your pet stays safe and healthy in Utah’s varied environment.

Here are some important features to keep in mind when selecting the best pet insurance plan in the Beehive State:

• 24/7 vet helpline. Access to a round-the-clock veterinary helpline for immediate advice on emergency care or general health questions can be incredibly valuable. This is especially true in a state like Utah, where outdoor adventures and diverse wildlife can pose potential risks.
• Direct vet payments. Some insurance providers offer the option to pay your vet bills directly, so you don't have to pay out of pocket and wait for reimbursement.
• Wellness and routine care coverage. Choosing a policy that offers wellness and routine care coverage can help offset the costs of preventive care.
• Waiting periods. Consider the waiting periods for accidents and illnesses to ensure you understand when coverage will begin.
• Vet exam fees coverage. Although veterinary costs in Utah are not as high as in some other states, having coverage for exam fees can still lead to significant savings over time.
• Multi-pet discount. If you have multiple pets, look for providers that offer discounts for insuring more than one pet.

Utah Pet Laws

Utah is dedicated to ensuring the well-being of pets through its robust animal laws and regulations. Here are the essential rules Utah pet parents need to know to keep their furry family members safe and happy:

• Breed-specific legislation. Utah prohibits cities and municipalities from enacting breed-specific rules, meaning no bans or restrictions can target specific dog breeds.
• Animal cruelty. Utah law criminalizes acts such as neglecting to provide food, care, or shelter. It also prohibits abandonment, cruel confinement or transportation, injuring animals, or forcing them to fight. Severe cases of cruelty, including torture or intentional killing, carry harsher penalties.
• Dog bite liability. Dog owners in Utah are strictly liable for injuries caused by their dogs, regardless of the dog’s history or the owner’s awareness of any aggressive behavior. Law enforcement dogs are exempt, and arbitration is an option in dog bite injury cases.
• Community cats. Shelters can release cats to community cat program sponsors before the usual five-day hold period. These cats are exempt from licensing and feeding restrictions, and sponsors must keep sterilization and vaccination records for three years.
• Pet trusts. Utah allows trusts to be established for pet care, remaining active as long as any animal covered by the trust is alive. Courts are directed to interpret these trusts liberally to fulfill the intentions of the trust's creator.

Salt Lake City Pet Laws

Salt Lake City, with its stunning backdrop of the Wasatch Mountains and vibrant downtown scene, enforces pet regulations to promote responsible ownership and community safety. Here’s what pet parents in the city need to know:

• Licensing requirements. All cats, dogs, and ferrets over four months old must be licensed annually. Owners must obtain a license within 30 days of acquiring a pet or bringing it into the city and provide proof of current rabies vaccination.
• Leash laws. Dogs in Salt Lake City must be kept on a leash and are considered "at large" if they're off the owner’s property without one. Owners are strictly liable for damages caused by their pets, even if precautions were taken.
• Barking dog ordinance. Animals that bark, howl, whine, or make other disturbing noises for 30 minutes or more, or during quiet hours from 10:00 p.m. to 7:00 a.m., are deemed a nuisance. Owners may face penalties for repeated complaints.
• Animal control and enforcement. The Division of Animal Services oversees pet regulations, including impounding animals, issuing citations, and addressing violations. Owners can reclaim impounded pets but must pay fees, including those for veterinary care.

West Valley City Pet Laws

Nestled near the Oquirrh Mountains and home to the Maverik Center, West Valley City enforces pet regulations to promote responsible ownership and animal welfare. Here are some key rules for pet owners:

• Leash laws. Pets must not run at large in West Valley City. Owners are responsible for keeping their animals under control at all times, regardless of precautions taken to prevent escape.
• Licensing and vaccination requirements. All dogs, cats, ferrets, and pot-bellied pigs over four months old must be licensed annually. Owners must provide proof of current rabies vaccination and sterilization status. Fees vary based on sterilization, with penalties for late renewals.
• Animal cruelty laws. Acts of cruelty, neglect, abandonment, and forced fighting are prohibited. Tethering must not harm the animal, and pets must have adequate space, food, water, shelter, and protection from extreme weather.
• Reporting animal bites. Animal bites involving rabies-susceptible species must be reported to Animal Control or the Health Department immediately. Both the pet owner and the victim must report the incident within 24 hours, and medical professionals treating bites must notify authorities as well.

West Jordan Pet Laws

West Jordan offers a perfect blend of scenic beauty and community spirit, with plenty of parks and trails for outdoor enthusiasts and their furry companions to enjoy. The city also has comprehensive pet laws to ensure everyone's safety and well-being. Here are some of the most important regulations to keep in mind:

• Licensing requirements. All cats and dogs over four months old must be licensed annually. Owners must provide contact details, proof of current rabies vaccination, and pay the fees set by the City Council. License tags must be attached to the pet’s collar or harness.
• Leash laws. Pets must be restrained on a leash, in a vehicle, or within a fenced area on the owner’s property. Owners are strictly liable if their pet is found running at large, regardless of preventive measures.
• Barking dog complaints. Animals that bark, whine, howl, or make other excessive or continuous noises are considered a nuisance. Owners of nuisance animals may face penalties under city ordinances.
• Animal cruelty and neglect. Physical abuse, neglect, abandonment, and tethering that causes injury or denies access to food, water, or shelter are prohibited. Owners must provide adequate care, including proper food, water, shelter, and veterinary attention.

Common Pet Risks in Utah

Utah's unique environment, ranging from arid deserts to high mountain regions, presents specific health risks for pets. Here are some important risks to be aware of:

• Valley Fever. This fungal infection is caused by spores in disturbed soil, common in the southern parts of Utah. Pets can inhale the spores, leading to respiratory issues and, in severe cases, systemic infections. Keeping pets away from dusty areas can help reduce the risk.
• Rattlesnake bites. Utah’s desert and mountainous regions are home to rattlesnakes, which pose a significant threat to curious pets. Snake bites can cause severe pain, swelling, and even life-threatening complications. Supervise pets during outdoor activities and consider rattlesnake aversion training.
• Heat-related illnesses. Utah’s hot, dry summers increase the risk of dehydration and heatstroke, especially for active or outdoor pets. Ensure pets have access to water, shade, and avoid exercising them during peak heat.
• Rabies. Bats are the primary carriers of rabies in Utah, and pets exposed to infected wildlife are at risk. Keeping rabies vaccinations up to date is essential for protection.
• Ticks and fleas. While less prevalent than in some states, ticks and fleas are still a concern in Utah’s grassy or wooded areas. These pests can cause irritation and transmit diseases. Regular tick prevention and checks after outdoor activities are important.
• Cold weather risks. In elevated or mountainous regions, Utah’s winters can bring extreme cold, leading to risks like frostbite or hypothermia for pets left outside too long. Provide appropriate shelter and limit outdoor exposure during freezing temperatures.

Veterinary Costs in Utah

According to Banfield Pet Hospital's Price Estimator, the average cost for a vet visit in Utah is $72. However, costs will be higher for emergency care or specialized treatments. Here's an overview of vet visit costs in five cities across the state:

Best Pet Insurance by City in Utah

As mentioned earlier, where you live can affect the cost of pet insurance. Here's an overview of the most affordable pet insurance providers in three major cities in Utah:

Methodology

The PetPlace team compiled this guide through research and analysis of publicly available data. Some of the factors we considered include policy rates, waiting periods, the availability of a 24/7 vet helpline, and wellness routine care coverage. Our goal is to provide helpful information for pet owners in Utah. However, we recommend conducting your own research, speaking to a licensed veterinarian, and considering your budget and your pet's specific needs before deciding on a pet insurance provider.

Best Pet Insurance in Utah FAQs

Recommended Resources

• 7 Essential Tips for Choosing a Pet Insurance Policy That’s Right for You
• Compare and Contrast Pet Insurance Providers
• How Are Pet Wellness Plans Different from Pet Insurance?
• Is Pet Insurance Worth It for an Indoor Cat?
• Pet Insurance: What It Covers
• Pet Insurance for Kittens