Best Pet Insurance In Idaho: Companies Reviewed For Boise, Meridian & More

This content was reviewed by our licensed insurance agent, Michelle Schenker.

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dog outside in foothills of mountains outside of Boise Idaho

Idaho offers so many dog-friendly adventures, including multiple rugged wilderness trails, lake fishing charters, amazing mountain landscapes, the renowned Dog Park Bark Inn, and much more. The Gem State is ideal for those of you who love bringing your dog along for outdoor activities. But what if your furry sidekick gets injured during your outings (or develops a serious illness)? That’s where pet insurance comes in handy.

We’ve done extensive research into dozens of pet insurance providers over the last decade to help you narrow down your best options in Idaho. We’ve chosen our top recommendations based on your level of coverage, pricing for monthly premiums, company reputation, claim processing, and more.

All of our top-ranked companies offer coverage in Idaho. Your premium is based on your dog’s breed, age, zip code, pre-existing conditions, and more. We provide you with information and stats for you to consider if you’re considering signing up with an insurance provider.

Pet Insurance Ranking Best
Overall
Best For Young Pets Best No-Cap Payouts Best
Coverage
Best
Value
Best
Newcomer
Company pets best pet insurance logo 250 png healthy paws pet insurance logo 250 png embrace pet insurance logo 250 png figo pet insurance logo 250 png lemonade pet insurance logo 250 png
Average Policy Price Variable Variable Variable Higher Lower Average
Policy Coverage Extensive Extensive Limited Extensive Extensive Limited
Customer Service & Reputation Good Good Excellent, Stable Excellent, Stable Excellent, Stable Uncertain, New
Average Claim Processing 7-14 Days 5-6 Days 2 Days 5 Days 3 Days 2 Days
Vet Direct Pay Option      
Plan Customization Options Many Many Restricted Many Many Many
  Get A Quote Get A Quote Get A Quote Get A Quote Get A Quote Get A Quote
  Read Review Read Review Read Review Read Review Read Review Read Review

A dog’s breed is one of the determining factors for your pet insurance policy cost. Below are a few of the most popular dog breeds in Idaho, according to the AKC, Reader’s Digest, and Vetstreet.

  1. Labrador Retriever
  2. German Shepherd
  3. Golden Retriever
  4. Border Collie

Interestingly, other organizations have reported different most-popular breed lists based on their data analysis. Here are just a few for the Gem State:

  • Bloodhound – Most popular breed (2021 report based on city data)
  • Havanese – Top-searched breed (2021 report from pet CBD brand Honest Paws based on Google Trends data)
  • Border Collie – Top-searched breed (2018 report based on Google Trends data)

How Much Is Pet Insurance In Nebraska?

Pet insurance pricing is based on your pet’s details (e.g., age, breed, location, etc.).

According to NAPHIA (North American Pet Health Insurance Association), the average monthly premium for an accident and illness dog insurance policy in the U.S. is $56.30 ($31.94 for cats).

Since prices vary based on where you live, and your pet’s unique characteristics, the best way to determine how much it would cost you is to complete our quick pet insurance quote form below and get estimates from several top providers when you fill out one quick and easy form. This allows you to see how companies compare price-wise. With most companies, you can adjust your monthly premium to better meet your needs. Reducing the deductible, reimbursement percentage, and annual payout can decrease your monthly premium to meet lower budget needs.

Once you have your customized price quotes, you may wonder how coverage varies among the different companies. Our pet insurance comparison includes multiple charts to help you see key differences between coverage, waiting periods, age limitations, and more.

Which Idaho Cities Are Most Pet Friendly?

There’s no doubt that Idahoans love their canine companions. According to American Veterinary Medical Association (AVMA) data, Idaho has the highest percentage of dog households (58%) out of all U.S. states. And your state’s capital is among the best in the U.S. for furry friends.

Boise is one of the most pet-friendly cities compared to the 100 largest U.S. cities. Boise ranks as being:

  • The 14th most pet-friendly U.S. city overall
  • Tied for 1st place for having the most dog parks per capita
  • 5th for having the most pet businesses per capita
  • 41st for pet budget*
  • 32nd for pet health and wellness**
  • 18th for outdoor pet-friendliness***

*Pet budget was determined by considering vet care costs, minimum pet-care provider rate per visit, and dog insurance premiums.
**Pet health and wellness was determined by considering veterinarians per capita, pet caretakers per capita, animal trainers per capita, pet businesses per capita, dog-friendly restaurants per capita, dog-friendly shops per capita, pet meetup groups per capita, doggie daycare and boarding establishments per capita, pet-friendliness of rental markets, average home square footage, share of single-family detached homes, share of homes with one or fewer occupants per room, animal shelters per capita, and strength of animal protection laws.
***Outdoor pet-friendliness was determined by considering weather, dog parks per capita, parkland as a share of the city area, walk score, dog-friendly trails per capita, and dog shows per capita. 

Pet Insurance Claim: Cost And Reimbursement From An Idaho Customer

Below is a real-life pet insurance claim from a Healthy Paws customer in Idaho.

  • Location: Boise, ID
  • Condition: Intestinal infection
  • Total Vet Cost: $1,000
  • Reimbursement: $810
  • Amount Customer Paid: $190

Why Should I Get Pet Insurance?

Vet expenses for unexpected accidents and illnesses can run into thousands of dollars and can often take a huge bite out of your financial safety net or be entirely cost-prohibitive. However, paying a relatively low monthly premium for pet insurance helps alleviate this burden, so you never have to choose between your dog’s health and your bank account. Learn more about why pet insurance is worth considering.

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Disclaimer: Information regarding insurance company offerings, pricing, availability, and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.

The information provided through this website should not be used to diagnose or treat a health problem or disease; it is not intended to offer any legal opinion or advice or a substitute for professional safety advice or professional care. Please consult your health care provider, attorney, or product manual for professional advice. Products and services reviewed are provided by third parties; we are not responsible in any way for them, nor do we guarantee their functionality, utility, safety, or reliability. Our content is for educational purposes only.

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