4 Best Idaho Pet Insurance for Dogs & Cats (2024 Reviews)

FAQs about Pet Insurance in Idaho

• 1. What does pet insurance typically cover for dogs and cats?

  Your policy will give specific details on what is covered but in general, pet insurance plans cover new accidents and illnesses. These could require diagnostic tests such as x-rays or blood work, surgery, hospitalization, cancer treatments, prescription medication, or other items directly related to the injury or sickness.

• 2. How much does pet insurance cost in Idaho?

  Pet insurance in Idaho costs anywhere from $16.57 to $66.24 per month for dogs (based on prices for a healthy 2-year-old located in the 83701 zip code). And anywhere from $17.77 to $25.38 per month for cats (based on prices for a healthy 2-year-old located in the 83701 zip code). Prices can vary greatly depending on your zip code, the breed of your pet, its age, and medical history.

  We recommend getting a quote from Wagmo who we’ve seen consistently offer the lowest prices and best coverage out of any other provider.

• 3. Can I cancel my pet insurance plan after I make a claim?

  Most plans will let you cancel but it is important to know the fine print to avoid unexpected fees and to provide the cancellation in writing to the company. If your pet was treated for something under this insurance policy, it will likely be considered a pre-existing condition if you decide to reinstate the policy at a later date.

• 4. Do Idaho pet insurance companies cover spay/neuter?

  Typically, pet insurance in Idaho does not cover spay/neuter procedures. However, check the wellness plan options as it may be available as an add-on like it is with Embrace.

• 5. Does the cost of insurance increase as my pet ages?

  Just like when we get older and are more prone to accidents, your pets are, too; plus the longer you live, the greater likelihood that you will get sick. Insurance companies must take that risk into consideration when setting rates and begin to increase monthly premiums once a pet reaches 4-5 years of age.

• 6. Which companies cover pre-existing conditions?

  Pre-existing conditions are another one of those health concerns that most insurance companies will not cover. One exception to the rule is Pawp as they will cover any emergency, even if your pet has been treated for it previously. Another company to look at is Embrace who may grant coverage to curable pre-existing conditions but that is something you would want to clarify with them in advance.

• 7. Is dog or cat insurance worth it in Idaho?

  As many of us pet owners know, dogs and cats will eat things they shouldn’t, run around the house with the “crazies,” and get themselves into trouble often enough to warrant having some kind of protection. Over the lifetime of your pet, they may even become gravely ill. Medical costs for hip replacement surgery or cancer treatments are expensive. Think of pet insurance as a peace of mind plan; it gives you financial support when you need it most.

• 8. What are some strategies to keep my pet safe in Idaho?

  Living in Idaho exposes your pets to hot and cold temperature swings. When the air turns bitter and snow is on the ground, make sure you wipe off your dog’s paws, legs and underbelly before they come into the house. This way they don’t have ice stuck between their toes and they aren’t bringing in salt or antifreeze on their paw pads. If your pet is open to a sweater or jacket, by all means dress them in this extra layer, but take it off once you are home so the cold, wet material is not on their skin.

  Higher temps pose their own set of problems as too much exercise can cause heat exhaustion and possibly lead to a heat stroke. It’s best to walk your dog before or after the sun goes down and check the pavement temperature before you set out. Pets should always have cool, clean water available. They should never be left in a car for any reason at any time, but especially in the summer when it is often 20 degrees warmer in a vehicle.