Pet Insurance in Iowa

Choosing the right pet insurance company for you and your dog or other pets in Iowa can be a frustrating and confusing process. How much coverage will my plan provide? How fast will I be reimbursed? Are there any health issues not covered?

Here at iHeartDogs, we created an easy comparison below of all the major pet insurance brands in Iowa and across the US. You can also use the form below to receive a no obligation quote from all the major pet insurance carriers at once, allowing you to compare pricing and coverage:

Best Pet & Dog Insurance in Iowa

Let’s take a deep dive into the features and benefits of each of the major pet insurance brands here in Iowa and across the USA. Simply scroll to the right to view all the brands:

Company
Company
Pets Best
Lemonade
ManyPets
Trupanion
FIGO
HealthyPaws
Prudent Pet
Embrace
Wagmo
Annual Coverage
Annual Coverage
$5,000 or Unlimited
Up To $100,000
Unlimited
Unlimited
$5,000 or Unlimited
Unlimited
$10,000 or Unlimited
$5,000 – $30,000
Unlimited
Multi-pet Discount?
Multi-pet Discount?
Yes
Yes
No
No
Yes
No
Yes
Yes
No
What They Do Best
What They Do Best
Best for plan customization
Great pricing for puppies & kittens
$0 copay option. No fees for paying monthly.
Best for paying claims to veterinarian direct
Short waiting periods
Best for paying claims fast
Best Trustpilot reviews
Best plan for superior benefits
Fast claims. Wellness plan available.
iHeartDogs Customer Rating ⭐⭐⭐⭐⭐
iHeartDogs Customer Rating ⭐⭐⭐⭐⭐
4.3 / 5
4.6 / 5
4.7 / 5
4.5 / 5
4.1 / 5
4.4 / 5
4.5 / 5
4.5 / 5
4.1 / 5
Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)
Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)
Yes
Yes
Yes
No
No
No
No
Yes
Yes
Example Quote for 1 Year Old 30 lb Mixed Breed
Example Quote for 1 Year Old 30 lb Mixed Breed
$35.81 per month
$20.00 per month
$30.00 per month
$68.25 per month
$69.30 per month
$26.25 per month
$73.46 per month
$42.35 per month
$15.00
Reimbursement Amount
Reimbursement Amount
90%, 80%, or 70%
90%, 80%, or 70%
90%, 80%, or 70%
90%
100%, 90%, 80%, or 70%
90%, 80%, 70%, 60%, or 50%
90%, 80%, or 70%
90%, 80%, or 70%
100% or 90%
Annual Deductible
Annual Deductible
$50, $100, $200, $250, $500, or $1,000
$100, $250, or $500
$100, $250, or $500
$0 to $1,000
$100, $250, $500, or $750
$100, $250, $500, $750, or $1,000
$100, $250, $500, or $1,000
$200, $300, $500, $750, or $1,000
$250, $500, or $1,000

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Receive a Free No-Obligation Quote from All the Pet Insurance Carriers At Once
Rather than visiting each insurance carrier’s website, you can use the form below to receive a no obligation quote from all the pet insurance carriers at once, allowing you to easily compare:

Iowa Pet Insurance FAQs

Which Pet Insurance Company Does iHeartDogs.com Recommend?

Our recommendation depends very much on your individual situation. You can compare quotes for your dog’s age and your location here. We can report that Trupanion, HealthyPaws, and Pets Best are very popular with iHeartDogs supporters.

What do iHeartDogs Readers Think About Pet Insurance?

Is Pet Insurance Worth It? – We asked [33] Dog Owners and Here’s What They Said

Pet insurance is “worth it” if you can afford the cost of the insurance, but could not afford an emergency vet bill. However, the best plan is to only get a pet if you can afford vet care, & to have a special savings account set aside for pet emergency care. – Louise 

Very much worth it. I have Nationwide. It used to be VPI. It doesn’t cover things in full, but it very much helps. More then paid for itself with my first two dogs. Haven’t needed it much with the two I have now but if something happens, I won’t hesitate to get the best treatment I can. It really helps. – Beth

Yes it is worth it. But you need to shop wisely for it. I have care credit that is used when needed. With no excluded treatments because it’s up to me! Great rates and options to pay back. Saved my bank account a number of times. – Jennifer

Always worth it with my previous pet dog, Louie (French bulldog) and current pet dog, Lucy (dachshund).
It’s more than paid for itself each time. Unless you can cough up $10,000 for an emergency surgery I suggest you get pet insurance. Healthy Paws I highly recommend!!! – Leo

My vet one time said…my a “Dogs are Expensive” account. Whatever the going rate for pet insurance is…say $100…put that monthly in the “D A E” account. If you are ahead at the end of the year roll that money over….then, if you do need a big sum you have it, and if you don’t the $ is in your pocket and not the insurance company’s… whatever you decide..good luck! – Peggy

With my last dog no. I paid 17 years and never made a claim. With the two I have now definitely. My JR managed to get a dog toy piece stuck in her intestine – hugh, expensive op so worth it. I don’t like the fact that even though my dogs are both young, the premium has gone way up however. 3&2 are not senior dogs. – Kit

Before just checking quotes check with your vet or ones in your area. The one problem with many pet insurances it actually may affect the cost a vet or clinic may charge for a service based on what they may have to pay or what they need to do get paid. For example a base xray charge may be $100 if you pay yourself but say you use insurance A that may cost the clinic so much a year to be a member or requires so much documentation or takes so long for payment may increase the charge to $130-150 .Then if you have a deductible you will be paying more. Your vet will also know which ones are more reliable for your area and for the needs for your breed. – Candi

I would never have a pet without insurance. Way too risky for those sudden and age related injuries/health issues . Everyday check- ups and vaccines are incidental costs compared to many things that can go wrong w ur furry family member  – Holly

I’m furious that insurance companies have now made owning pets incredibly expensive. Once insurance companies enter into the equation, the price for everything goes “through the roof.” I wish these monsters would be regulated and insurance, health care was NON PROFIT!!!!!! – Rhonda

Yes Healthy Paws has been great. My Boston is on constant eye meds for about 6 years and 2 surgeries. I have 80 percent and they pay right away. – Lynda

Worth it if you plan ahead. One of my dogs I adopted and got insurance a year or so later and insurance has denied EVERYTHING…even an ear infection at 10 years old, as a preexisting condition because she had one when she was 3years old. My other dog I got insurance right away (lesson learned!) and it has been a huge benefit because ten years later he had significant medical expenses that were covered at 90% I could not be more thankful to have the insurance – Shannon

Definitely worth every penny! Our Shitz tore her ACL, swallowed my husband’s hearing aid, puts everything in her mouth!!! We have Healthy Paws. Very pleased. Just wish we went with 90% coverage instead of 80%. Get it BEFORE they have an issue!! – Jan

Nope not worth it. I love my babies but, it’s like human insurance, Hardly worth getting. More n likely whatever your pet has insurance won’t cover it so your still gonna pay out the ying yang. So here we are paying out the ying yang for insurance and still paying high dollar to a vet. – Nancy

Yes. My sweet hound developed allergies. The insurance covers are $73. Apoquel prescription plus everything else that goes wrong. She had a cough with meds the bill was over $400. Very happy we have insurance. – Pamela

Yes! For 10 years I never had to use it. Then my dog got very sick and needed to go to the animal hospital. She was diagnosed with diabetes and cushings disease and the costs for all the medications and testing she undergoes until we get her regulated is exorbitant. With the insurance I’ve been getting most of it back. – Erica

Worth it! Preventative/wellness services usually aren’t included with accident/injury plans, but most insurances offer that separately (for more money). Get coverage asap when you get a pet… preexisting conditions are almost never covered and the older a dog gets, the higher the cost gets. I had Nationwide through my previous employer. The plans were supposed to follow my pets for life, after I left the job, but (long story short) the plans were cancelled. So now I’m getting new insurance through ManyPets for a dog who was 9 when I got the Nationwide plan, but is now 13 – with preexisting conditions. For all three of my dogs, it’s about $235/month (that’s with the optional wellness plans added for each). But if anything happens to any of my “kids”, I pay a $250 annual deductible, then ManyPets covers 80% – with no lifetime limit. – Andrea

Yes. It’s worth it. You never know what might happen. I see so many go fund me’s to help animals when insurance would have covered it. Fyi, Trupanion is slightly more expensive but can pay the Vet directly if the Vet is signed up on their system. I have my 2 dogs and 2 cats covered. – Blythe

More Popular Pet Insurance Resources
Thanks for reviewing our guide to comparing pet insurance brands. Below you find some additional pet insurance resources from iHeartDogs.com

Compare Pet Insurance Quotes
A Vet Explains What You Need To Know About Pet Insurance For Your Dog
If You Don’t Have This Much Money Set Aside In An Emergency Fund, You Probably Need Pet Insurance
Pet Insurance: Rip-Off Or Life-Saver?
With Pet Insurance, Your Dog Is 4x More Likely To Survive A Medical Emergency
Trupanion vs. Pets Best Pet Insurance: In-Depth Comparison

iHeartDogs is reader-supported. When you buy via links on our site, we may earn an affiliate commission at no extra cost to you.

Pet Insurance Carrier Comparisons

Trupanion Vs. Pets Best Pet Insurance
Trupanion Vs. Lemonade Pet Insurance
HealthyPaws Vs. Embrace Pet Insurance
HealthyPaws Vs. Trupanion Pet Insurance
Embrace Vs. Trupanion Pet Insurance
Embrace Vs. Lemonade Pet Insurance
Trupanion Vs. FIGO Pet Insurance
Prudent Pet Vs. Trupanion Pet Insurance
Embrace Vs. ManyPets Pet Insurance
Embrace Vs. FIGO Pet Insurance
Prudent Pet Vs. Embrace Pet Insurance
HealthyPaws Vs. ManyPets Pet Insurance
HealthyPaws Vs. FIGO Pet Insurance
Prudent Pet Vs. HealthyPaws Pet Insurance
HealthyPaws Vs. Lemonade Pet Insurance
Pets Best Vs. ManyPets Pet Insurance
Pets Best Vs. FIGO Pet Insurance
Prudent Pet Vs. ManyPets Pet Insurance
Prudent Pet Vs. Pets Best Pet Insurance
Embrace Vs. Pets Best Insurance
HealthyPaws Vs. Pets Best Pet Insurance
ManyPets Vs. Lemonade Pet Insurance
Lemonade Vs. FIGO Pet Insurance
Trupanion Vs. ManyPets Pet Insurance
ManyPets Vs. FIGO Pet Insurance
Lemonade Vs. Pets Best Pet Insurance
Prudent Pet Vs. Lemonade Pet Insurance
Prudent Pet Vs. FIGO Pet Insurance

Breed Pet Insurance

Pet insurance for Akitas
Pet insurance for Alaskan Malamutes
Pet insurance for American English Coonhounds
Pet insurance for American Staffordshire Terriers
Pet insurance for Australian Cattle Dogs
Pet insurance for Australian Shepherds
Pet insurance for Basset Hounds
Pet insurance for Beagles
Pet insurance for Bernese Mountain Dog
Pet insurance for Bichon Frises
Pet insurance for Bloodhounds
Pet insurance for Border Collies
Pet insurance for Boston Terriers
Pet insurance for Boxers
Pet insurance for Bulldogs
Pet insurance for Bullmastiffs
Pet insurance for Bull Terriers
Pet insurance for Cane Corsos
Pet insurance for Cavaliers
Pet insurance for Chesapeake Bay Retrievers
Pet insurance for Chihuahuas
Pet insurance for Chinese Crested Dogs
Pet insurance for Chow Chows
Pet insurance for Cocker Spaniels
Pet insurance for Collies
Pet insurance for Corgis
Pet insurance for Dachshunds
Pet insurance for Dobermans
Pet insurance for Dogue De Bordeaux
Pet insurance for English Springer Spaniels
Pet insurance for French Bulldogs
Pet insurance for German Shepherds
Pet insurance for German Shorthaired Pointers
Pet insurance for Goldendoodles
Pet insurance for Golden Retrievers
Pet insurance for Greyhounds
Pet insurance for Great Danes
Pet insurance for Great Pyrenees
Pet insurance for Havanese
Pet insurance for Huskies
Pet insurance for Jack Russells
Pet insurance for Labrador Retrievers
Pet insurance for Labradoodles
Pet insurance for Lhasa Apsos
Pet insurance for Maltese
Pet insurance for Mastiffs
Pet insurance for Miniature Pinschers
Pet insurance for Mixed Breeds (small)
Pet insurance for Mixed Breeds (medium)
Pet insurance for Mutts
Pet insurance for Newfoundlands
Pet insurance for Old English Sheepdogs
Pet insurance for Papillons
Pet insurance for Pekingese
Pet insurance for Pit Bulls
Pet insurance for Pomeranians
Pet insurance for Poodles
Pet insurance for Pugs
Pet insurance for Rhodesian Ridgebacks
Pet insurance for Rottweilers
Pet insurance for Saint Bernards
Pet insurance for Samoyeds
Pet insurance for Schnauzers
Pet insurance for Shar-Peis
Pet insurance for Shelties
Pet insurance for Shiba Inus
Pet insurance for Shih Tzu
Pet insurance for Staffordshire Bull Terrier
Pet insurance for Vizslas
Pet insurance for Weimaraners
Pet insurance for Westies
Pet insurance for Whippets
Pet insurance for Yorkies

Pet Insurance by City

Los Angeles pet insurance
Chicago pet insurance
Miami pet insurance
New York City pet insurance

Pet Insurance by State

Florida pet insurance
Washington pet insurance
Texas pet insurance
Pennsylvania pet insurance
California pet insurance

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