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6 Best Utah Pet Insurance for Dogs & Cats (2024 Reviews)

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Conscientious pet parents understand that emergencies are bound to happen at some point in their cats’ and dogs’ lives, which is why they seek the extra protection of pet insurance. Urgent care can be extremely expensive, and pet insurance provides critical financial support that helps offset much of the cost. We are pleased to share the 6 best pet insurance companies for Utah residents that can give your cat or dog the care they need, whenever they need it.

Malamute dog running across red rocks in Utah
Alaskan Malamute running across red rocks in Utah!

5 Top Dog & Cat Insurance Companies Compared for Utah

  • 1. Lemonade

    (Best overall)

    Why it’s great: Lemonade offers the best overall pet insurance plans with dynamic illness and accident coverage, affordable premiums and several wellness packages. They also provide a very brief 2-day waiting period for accidents. Furthermore, pet parents get to enjoy a simple-to-use claim filing system via Lemonade’s first-class mobile app. Also, bundling your pet’s insurance policy with renters or homeowners insurance will earn you a discount.

    Keep in mind: Veterinary documentation detailing the health issue may need to be submitted before you can get an active policy for pets with pre-existing conditions.

    Good for: Almost all dogs and cats, particularly the young and healthy.  

    Average price for DOGS in Utah: $24.83/month 

    Average price for CATS in Utah: $11.00/month


    Learn more at ➜

  • 2. Wagmo

    (Best for wellness)

    Why it’s great: One of Wagmo’s standout perks is that once you meet your annual deductible, they will reimburse as much as 100% of veterinary fees for the remainder of the year. In addition, they issue speedy reimbursements via direct deposit, PayPal and Venmo. Discounts are available for those with multiple pets or renewals without claims in the past year. Wagmo also gives their customers the freedom to choose their pets’ veterinarians.

    Keep in mind: Coverage comes to an end once your pet receives $100,000 in lifetime benefits.

    Good for: Pet parents who want a solid wellness and emergency care mix.  

    Average price for DOGS in Utah: $41.46/month 

    Average price for CATS in Utah: $25.22/month


    Learn more at ➜

  • 3. Figo

    (Best for cats)

    Why it’s great: Figo provides pet insurance for both dogs and cats, but they have the best monthly rates out there for felines. They also offer live 24/7 veterinary consultations through their mobile app so that pet parents can get vital help regardless of the time of day. What’s more, Figo has several wellness plans, including one that will cover up to $250 of prescription food should your vet deem it necessary. One of the best aspects of their coverage is that all plans come with unlimited lifetime benefits.

    Keep in mind: Figo does not cover pre-existing conditions.

    Good for: Cat parents. Also, pet owners who want 24/7 telehealth services
    included in their policy. 

    Average price for DOGS in Utah: $43.57/month 

    Average price for CATS in Utah: $27.43/month


    Learn more at ➜

  • 4. Pawp

    (Best for pre-existing conditions)

    Why it’s great: Pawp’s emergency fund protects as many as 6 pets of age, breed or health condition for a monthly flat fee of $24. Along with emergency coverage, pet parents get unlimited 24/7 telehealth consultations as well as those with pet experts. They also get to choose their pets’ veterinarians. Furthermore, Pawp has no copays, deductibles or credit checks. The company also guarantees that pet owners can leave the clinic knowing their bill has been paid in full when pets are being treated for qualified emergencies.

    Keep in mind: Pawp’s emergency fund only covers emergencies as qualified by their virtual team of veterinarians. Furthermore, it covers a single vet bill of less than $3,000 for only one of your pets in any given year.

    Good for: Older pets or those with pre-existing conditions. A good supplement for a traditional pet insurance plan.  

    Price: $24/month  


    Learn more at ➜

  • 5. Embrace

    (Best established brand)

    Why it’s great: Embrace has several perks that have helped them to become an established brand. They provide unlimited lifetime benefits and offer discounts to those who insure multiple pets for starters. Another popular offering is their diminishing deductible, in which a pet parent’s annual deductible drops automatically by $50 after each year without claim reimbursements. An extra and unique aspect of Embrace’s coverage is their wellness plan, which allows for alternative veterinary treatments such as reiki, acupuncture, chiropractic and massage therapy.

    Keep in mind: The total maximum combined claims for the wellness plan sits at $650. Embrace does not refund any unused wellness plan funds at the end of each policy year.

    Good for: Pet parents who value new age, alternative veterinary care.  

    Average price for DOGS in Utah: $45.59/month 

    Average price for CATS in Utah: $26.63/month


    Learn more at ➜

  • 6. Eusoh

    (Best pet healthshare community)

    Why it’s great: Eusoh is not a pet insurance company but rather an expense-sharing community in which members can save as much as 50% more compared with traditional insurance policies. The community health sharing plans reimburse pet parents for routine, illness and accident-related care and allow them to choose the right veterinarians for their pets. As part of the package, members get televet services via Eusoh’s partner FirstVet.

    Keep in mind: Eusoh is not a pet insurance company. Instead, they offer community health sharing plans. The highest reimbursement rate they have is 80% with a maximum annual payout of $8,500.

    Good for: Those that prefer healthshare communities.  

    Average price for DOGS in Utah: $62.58/month

    Average price for CATS in Utah: $40.94/month


    Learn more at ➜

Best Overall


Lemonade is our overall top recommendation. It’s the most comprehensive pet insurance provider in Utah and they also offer the best value.

Average price for DOGS in Utah: $24.83/month 

Average price for CATS in Utah: $11.00/month


Learn more at ➜

FAQs about Pet Insurance in Utah

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

    While coverage will vary from one provider to the next, pet parents can expect any illness or accident that is considered sudden and catastrophic to be covered. Such treatment includes tests, exams, other diagnostic procedures, emergency care, surgery and medication.

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

    Pet insurance in Utah costs anywhere from $17.91 to $71.62 per month for dogs (based on prices for a healthy 2-year-old located in the 84104 zip code). And anywhere from $19.22 to $27.43 per month for cats (based on prices for a healthy 2-year-old located in the 84104 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 Lemonade who we’ve seen consistently offer the lowest prices and best coverage out of any other provider.

  • 3. Can I cancel my dog or cat insurance plan after I make a claim?

    Most companies permit cancellation at any time, though they may require it to be done in writing. Please verify with your provider as to what their cancellation requirements are.

  • 4. Do Utah pet insurance companies cover spaying and neutering?

    Utah pet insurance companies generally do not cover spaying and neutering. That said, some providers offer wellness plans that will cover the costs of these procedures.

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

    Monthly premiums will increase as your pet gets older, especially once they reach 4 to 5 years old. Premiums jump in cost because insurance providers need to mitigate the increased risk that your pet will get sick or develop a health condition as they age.

  • 6. Which companies cover pre-existing conditions?

    Pawp ranks highest for covering costs related to pre-existing conditions, especially emergencies. Embrace has policy terms that cover some ‘curable’ pre-existing conditions. It is always good to check with these companies for further details before purchasing a pet insurance plan. Be aware that most providers never cover pre-existing conditions. The good news is that pre-existing conditions do not disqualify a pet from coverage eligibility.

  • 7. Is pet insurance worth it in Utah?

    While pets may seem healthy from day to day, emergencies will inevitably happen. In such instances, they will need urgent care, which is quite expensive. For example, cancer treatments can cost up to $10,000 and cataract surgery can easily cost $4,000. Pet insurance provides Utah residents with a financial safety net, so they can give their beloved cats and dogs the vital care they need.


We hope this article helps make your search for the best pet insurance company for your dog or cat more straightforward. We recommend diving more deeply into the details of each provider’s offerings before getting a policy in place. Buying the right Utah pet insurance plan will give your best pal essential coverage for emergency and preventative care so that they can share a long and wonderful life with you.

In our experience, after careful review, we’ve consistently seen Lemonade has the best combination of coverage and price.

Note: Our prices listed above are accurate in January 2022 and may change at any time. Please get a quote for your pet on one of the recommended websites for the most accurate monthly costs. These prices are based on a Labrador Retriever dog and American Shorthair cat located in the 84104 zipcode. We chose a $500 deductible and 90% reimbursement amount for each policy we reviewed (except for Pawp). The annual benefit amount we selected for each provider is as follows:

  • Wagmo = $20,000
  • Figo = $5,000
  • Pawp = $3,000
  • Embrace = $5,000
  • Eusoh = $8,500
  • Lemonade = $20,000