Pet Insurance

Best Pet Insurance In Iowa: Find The Best Company In Des Moines And Throughout The Hawkeye State


Last Updated: June 15, 2023 | 2 min read | Leave a Comment

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

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As a fellow Iowan, I know what it means to grow up in the Hawkeye state. Iowa is more than a flyover state filled with corn, pigs, and cows. We’re “Iowa nice,” and that extends to our pets too. We want what’s best for our cats and dogs, which means purchasing a pet insurance policy. Let’s dig in and find the best pet insurance company in Iowa for your pet.

Pet Insurance Ranking Best
Best For Young Pets Best No-Cap Payouts Best
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 18-30 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 is a ranking of the three most popular dog breeds in Iowa.

  1. Labrador Retrievers
  2. German Shepherds
  3. Golden Retrievers

How Much Does Pet Insurance Cost In Iowa?

Happy and Pretty Golden Retriever Dog, Puppy outside in the corn (Caption: Pet Insurance Iowa)

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 $53.34 ($32.25 for cats).

Since prices vary based on where you live as well as your pet’s characteristics, the best way to determine how much it would cost you is to complete our quick pet insurance quote form and get estimates from top pet insurance providers. This allows you to see how companies compare price-wise. With most companies, you can also adjust your monthly premium by lowering the deductible, reimbursement percentage, and annual payout to make it better fit your budget.

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

What Are Some Pet-Friendly Places In Iowa?

Dog swimming in pond

These are some popular pet-friendly places to take your dog in Iowa, but there are many more besides this list.

  • Lakes – Rathbun and Salorville are great places to bring your dog with you. Go boating, camping, and enjoy the outdoors with your dog.
  • Breweries – If you’re in the Des Moines area, take a stroll around Gray’s Lake with your dog and relax in the shade at MacRae Park. Then hop over to Confluence Brewing Company for a cold beer on the deck. Even if you live outside the capital city, we bet a local brewery is not too far away from you and your pup either, and many are dog-friendly (but check first to be sure).
  • State Parks – Ledges State Park has some great hikes for you to bring your dog on and some areas to cool off in the water too.

There are also many dog parks, pet bakeries, and pet spas throughout the state for you to plan the perfect day with your pooch. You can even go through the drive-thru and get a special treat for your pup at Scooter’s, Dairy Queen, Starbuck’s, and more.

Pet Insurance Claim: Cost And Reimbursement From Iowa Customer

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

  • Location: Council Bluffs, IA
  • Condition: Cruciate Ligament
  • Total Vet Cost: $5,000
  • Reimbursement: $4,400
  • Amount Customer Paid: $400

Should I Get Pet Insurance?

Pet insurance can provide you with a sense of security during dark times. One minute, you’re playing fetch in the backyard with your dog, and the next, she’s not putting weight on one of her legs. Your dog’s health status can change quickly, which means the balance in your bank account is susceptible to change as well, as you deal with a pet emergency. Learn more about why pet insurance is worth considering.

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.

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.

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