Pets are a part of the family, pure and simple. We’ve come a long way from the times when pets were left outdoors regardless of the weather.

These days, it’s not uncommon to see pets showered with as much love, affection, and gifts as children and spouses.

Much like you safeguard yourself and your family, you want to make sure that your pet is protected from unnecessary suffering should an accident or illness occur.

Thankfully, there are many reliable companies offering pet insurance in Utah, and you’re almost guaranteed to find one that suits your requirements while remaining within budget.

We’ve looked at over 30 pet insurance providers and evaluated a number of the most critical factors, such as coverage types offered and expected reimbursements.

Armed with this knowledge, you can easily find the right pet insurance in Utah for you and your pet.

Pet Insurance in Utah

Here are the top 5 providers of pet insurance in Utah:

Embrace Pet Insurance

Embrace offers medical and wellness coverage for cats and dogs that includes a huge range of treatments, ranging from dental work and prosthetic limb fittings to behavioral therapies.

You may struggle to find another provider that offers coverage for such a wide range of conditions.

The company also has some of the most reasonably priced minimum monthly premiums in the industry, at only $13.04 for dogs and $8.98 for cats.

This price is considerably lower than the accident-only average monthly fee of $15.84 for dogs and $12.72 for cats, as reported by the North American Pet Health Insurance Association.

Embrace’s payout cap ranges from $2,000 to $15,000, and claims are reimbursed between 65 and 90 percent depending on policy provisions.

The Better Business Bureau (BBB) has awarded Embrace its highest score of an A+ rating, which is partly because of the number of complaints filed against Embrace in comparison to its competitors.

Over the last 12 months, only 20 complaints were filed against Embrace.

Monthly CostsStarting at $13.04 for dogs and $8.98 for cats
CoverageReimbursements of 65 to 90 percent are paid, depending on the plan
Payout Limits$2,000-$15,000
Deductible$100-$1000 annually

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Petplan Pet Insurance

Petplan offers medical insurance for cats and dogs.

It stands out from the crowd by paying out on all eligible claims within 30 days, and by insuring pets of any age over six weeks.

Petplan’s prices are slightly higher than the national averages but much more reasonable than some of its competitors.

Coverage caps and reimbursement rates are dependent on the plan that is purchased.

The BBB has awarded Petplan an A+ grade, and with less than 50 consumer complaints filed in the last three years, it performs better than some of its similarly sized competitors.

Monthly CostsStarting at $29.16 for dogs and $18.19 for cats, depending on the plan
CoverageReimbursement rates between 70 and 90 percent
Payout Limits$2,500 to unlimited, depending on the plan
Deductible$250-$1,000 annual

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Nationwide Pet Insurance

Nationwide pet insurance provides medical and wellness insurance for cats, dogs, birds, and a wide range of exotic animals.

The protection offered by Nationwide is some of the best in the industry, and its prices reflect that.

While starting prices are well above the national average, the quality of coverage received more than makes up for this.

An unlimited coverage cap is available with the Whole Pet with Wellness plan.

Its A+ rating from the BBB signifies that Nationwide quickly addresses filed complaints.

Monthly CostsStarting at $34.25 for dogs and $18.84 for cats
CoverageReimbursement rates of 90 percent
Payout LimitsUnlimited ($10,000 for wellness insurance)

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Geico Pet Insurance

Geico offers medical and wellness pet insurance in Utah for cats and dogs, with completely customizable plans, so that its coverage can fit the needs of both your pet and your household budget.

The starting monthly costs are much lower than the national average and cheaper than most of its competitors.

Geico has a rating of A+ from the BBB, with 38 complaints between 2016 and 2018.

The provider promptly resolved most of those complaints.

Monthly CostsStarting at $13.04 for dogs and $8.98 for cats, depending on the plan
CoverageReimbursement rates between 65 and 90 percent, depending on the plan
Payout Limits$15,000 annually
Deductible$100-$1,000 annual

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Healthy Paws Pet Insurance

Healthy Paws provides medical coverage for cats and dogs.

It also partners with membership clubs such as AAA, and offers discounted rates to its cardholders.

Healthy Paws’ premium comes in at $32.93 for dogs and $17.19 for cats, which is slightly lower than the national average for accident and illness coverage.

The unlimited coverage cap and potential reimbursement rates of up to 90 percent make Healthy Paws one of the best choices in the industry.

BBB awarded Healthy Paws its highest rating of A+.

There are only 27 complaints in the last 12 months, and all were addressed, suggesting that Healthy Paws provides reliable customer service.

Monthly CostsStarting at $32.83 for dogs and $17.19 for cats, depending on the plan
CoverageReimbursement rates between 70 and 90 percent, depending on the plan
Payout LimitsUnlimited
Deductible$100-$500 annual

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Shopping for Pet Insurance in Utah

You’ve probably already noticed through recent vet and grocery bills that the costs of owning a pet are rising.

The cost of insuring a pet is also escalating, which is why you should take the time to do some thorough research before buying pet insurance in Utah.

Some consumers may not know this, but even the area in which you live impacts the cost of your insurance, as providers usually calculate their rates based on what local vets charge—aside from other considerations, such as your pet’s age and health.

While Utah has one of the lowest average annual costs of unexpected veterinary visits, according to Petplan, paying between $1,001 to $1100 out-of-pocket is just not possible for most people.

Now that you’ve learned more about the best pet insurance in Utah, you should be well on your way to grabbing yourself a deal that’s right for your budget and your pet.

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