Best Pet Insurance in Iowa (2026)
Figo, Embrace, and Spot are the top pet insurers in the Hawkeye State.
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Written byAnna Baluch
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Anna BaluchAuto and Home Insurance Writer
4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
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Edited byBecky Helzer
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Becky HelzerEditor
Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
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Table of contents
It’s a good idea for Iowa pet owners to invest in a pet insurance policy to save money on vet bills for injuries and accidents. On average, Iowa residents pay $35 per month to insure their dogs and $17 for their cats, according to data from Fletch, Insurify’s pet insurance partner.
Here’s what you should know about pet insurance coverage in Iowa, including how to compare quotes and find the right coverage for your pet.
Quick Facts
Pet insurance is cheaper in Iowa than in many other U.S. states, likely due to the lower cost of living.
A wellness plan can help cover rabies vaccinations, which are particularly important in Iowa because two strains of the disease commonly circulate in the state.
Des Moines, Davenport, and Cedar Rapids each have specific laws regarding pet ownership.
Compare the best pet insurance companies in Iowa
A number of pet insurance companies serve pet owners in Iowa. Figo, Embrace, and Spot are three of the best pet insurance companies. Here’s an overview of coverage options, average costs, and more from each of the top three insurance companies in Iowa.
 |  |  |
|---|---|---|
Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–100% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90% |
Payout limits The maximum amount your provider will pay for covered events. $5,000–Unlimited | Payout limits The maximum amount your provider will pay for covered events. $5,000–$30,000 | Payout limits The maximum amount your provider will pay for covered events. $2,500–Unlimited |
Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$750 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$1,000 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$1,000 |
Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. |
Data in this table has been sourced from Insurify users who received a pet insurance quote from our partner Fletch.
Figo: Best for senior pets
senior petsFigo
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Figo offers accident and illness insurance in three tiers: Essential, Preferred, and Ultimate. Each option comes with its own coverage limits and reimburses Iowa pet parents for accidents, illnesses, and even chronic conditions. Unlike other pet insurers, Figo doesn’t have an upper age limit, so you can insure your senior pet without any issues.
The pet insurance company also offers “powerups,” which are essentially add-ons to help pay for routine services and preventative care, such as exam fees and vaccinations. Also, if you insure more than one pet, you can earn a 5% discount.
Pros
No upper age limits
Offers a 100% reimbursement rate
Highly rated mobile app
Cons
No accident-only policies
Exam fee coverage requires a “powerup” for an additional cost
Six-month waiting period for orthopedic conditions
Embrace: Best for low deductibles
low deductiblesEmbrace
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Embrace stands out for its diminishing deductible option. Each year you don’t file a claim, the pet insurer reduces your deductible by $50. Note that when you enroll, you can choose from five deductible options: $100, $250, $500, $750, or $1,000.
Wellness Rewards, Embrace’s wellness insurance plan, can help you lower the costs of routine and preventive care. If you add it on, you can save on the cost of anal gland expression, dental cleanings, microchip implantation, nutritional supplements, and prescription pet food. Other perks include a number of discounts and a 24/7 vet hotline.
Pros
Diminishing deductible to reward healthy pets with no health issues
Highly customizable plans with varying deductibles, reimbursement rates, and coverage limits
Multi-pet and military discounts available
Cons
14-day waiting period for illnesses
Pets must have a physical exam before enrollment
10- to 15-day claims processing
Spot: Best for customizable coverage
customizable coverageSpot
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With Spot, you can customize a pet insurance plan to meet your unique budget and needs. The insurer offers five deductible options, annual coverage limits that range from $2,500 to unlimited, and reimbursement rates of 70%, 80%, and 90%. Even the base plan includes coverage for prescription food, microchip implantation, and end-of-life expenses.
In addition, Spot offers two tiers of preventative care packages: Gold and Platinum. Gold reimburses for dental cleanings and annual exams, while Platinum covers spaying/neutering, diagnostic tests, and health certificates.
Pros
Many options for deductibles and coverage limits
Two tiers of wellness plans
No upper age limits
Cons
14-day waiting period before coverage goes into effect
No option to pay vets directly
No 100% reimbursement option
To choose the best pet insurance companies in Iowa, we researched top pet insurers and compared their coverage options, deductible options, discounts, types of pets covered, waiting periods, and customer reviews.
For each quote, we used an Iowa address. For the sample quotes for dogs, we used a profile of a 2-year-old mixed-breed, medium-sized male dog. For cats, we used a profile of a 2-year-old American shorthair female cat. Quotes for both species were for accident and illness coverage with 80% reimbursement, a $500 deductible, and $5,000 or more in annual coverage.
Cheapest pet insurance companies in Iowa
Pet owners in Iowa pay $35 per month for dog insurance and $43 per month for cat insurance on average, based on data from Fletch, Insurify’s pet insurance partner. Fortunately, these rates are significantly lower than pet insurance premiums in surrounding states like Wisconsin and Illinois.
The below national rates are estimated rates current as of: Tuesday, February 17 at 11:00 AM PST.
Insurance Company  | Average Monthly Premium: Dogs | Average Monthly Premium: Cats |
|---|---|---|
| Lemonade | $24 | $13 |
| ASPCA | $25 | $14 |
| Spot | $26 | $14 |
| Prudent Pet | $28 | $15 |
| Figo | $33 | $13 |
| Pets Best | $47 | $21 |
| Pumpkin | $66 | $31 |
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Why pet insurance is important if you live in Iowa
It’s typically a good idea to secure insurance coverage for your pet because having coverage can help save you money in the event of accidents and unexpected illnesses.
Here are a couple more reasons why pet insurance might make sense for you as a pet owner in Iowa:
Adoption opportunities: Plenty of organizations in Iowa support pet adoptions, such as the Animal Rescue League of Iowa (ARL) and the Iowa City Animal Care and Adoption Center. If you decide to adopt a cat or dog, pet insurance can offset some of the veterinary care costs you may incur.
Presence of rabies: Two strains of rabies — bat and skunk — exist in Iowa, according to the Iowa Department of Health and Human Services. You can help reduce the exposure of rabies through vaccinations, which some pet wellness plans cover.[1]
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Learn More: Is Pet Insurance Worth the Cost?
Iowa pet regulations and laws
Pet regulations in Iowa vary by city. Here’s some information on a few pet laws in different parts of the Hawkeye State.
Des Moines: In Des Moines, you can keep up to six cats and dogs in one home, with no more than three dogs. The city also requires you to add an outdoor pet enclosure to your backyard and clean it every other day.
Davenport: Davenport allows a maximum of four pets but only three of the same species. Also, if you’re a pet owner in the area, you’ll need to display your rabies licensing tags on your pet’s collar at all times.
Cedar Rapids: Per Cedar Rapids pet laws, it’s illegal to “tease, agitate, or attack” a pet. In addition, you must keep female pets in heat indoors. You also can’t tether pets for more than eight hours, and you can only tether them under certain criteria that ensure their safety.
Cost of pet insurance for top breeds in Iowa
Many factors affect pet insurance costs, including your pet’s breed. Some breeds are more prone to hereditary health conditions that can raise the cost of your pet’s health insurance.
For example, larger dogs, like Rottweilers and German shepherds, are prone to hip dysplasia. Certain purebred cat breeds may be more likely to develop heart disease and lower respiratory infections.[2]
The table below shows the top dog and cat breeds in the country and their average pet insurance rates in Iowa.
Dog Breed | Average Monthly Cost |
|---|---|
| Chihuahua | $35 |
| Dachshund | $19 |
| German shepherd | $34 |
| Labrador retriever | $51 |
| Shih Tzu | $21 |
| Yorkshire terrier | $29 |
Cat Breed | Average Monthly Cost |
|---|---|
| Russian blue | $30 |
| Siamese | $38 |
Types of pet insurance coverage
In general, pet owners can choose from three types of pet insurance products: accident and illness, accident only, and wellness coverage.[3] Accident and illness insurance is the most comprehensive and common coverage, and it costs more because of the additional coverage.
Here’s a closer look at what each plan includes.
Accident and illness plan
An accident and illness plan protects against a number of accidents and illnesses. These plans will usually reimburse you for the following:
Allergies
Broken bones or fractures
Cancer
Cuts and wounds
Gastrointestinal issues
Hospitalization
Infectious diseases
Ingesting foreign objects
Injuries
Lab tests and diagnostic exams
Poisoning
Some prescription medications
Treatments and surgeries
Most accident and illness plans won’t pay for pre-existing conditions, dental exams, and routine care services, such as vaccinations and spay and neuter procedures.
Accident-only plan
An accident-only plan restricts coverage to unexpected incidents, such as car accidents and poisoning. It typically covers the following:
Accidental injuries
Broken bones
Car accidents
Cuts and wounds
Ingesting foreign objects
Poisoning
Accident-only coverage is less expensive than accident and illness plans, but it usually doesn’t provide coverage for the following:
Allergies
Breed-specific conditions
Diabetes
Cancer and other illnesses
Congenital conditions
Infectious diseases
Pre-existing conditions
Wellness plan
People typically buy a wellness plan in addition to a standard accident and illness or accident-only policy. A wellness plan covers routine care services, such as:
Blood and urine testing
Dental exams
Microchipping
Spay/neuter procedures
Vaccinations
Wellness exams
In most cases, wellness plans are add-ons, meaning you can buy them in addition to an accident and illness or accident-only policy.
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How to find the best pet insurance in Iowa
The following tips can help you secure the best pet insurance coverage in Iowa.
1. Understand your needs
Decide whether you need a bare-bones accident-only plan or a more robust accident and illness option. You should also determine whether adding wellness coverage to cover more routine costs makes sense.
2. Shop around
Next, request pet insurance quotes from at least three different pet insurance companies. As you explore your options, compare pet insurance rates, deductibles, reimbursement rates, and discounts to score the lowest pet insurance costs.
3. Check reviews
Review reputable third-party review sites and social media platforms to get an idea of each pet insurance company’s reputation. Genuine reviews of pet insurance companies can inform you of an insurer’s customer service.
4. Purchase a policy
After you zero in on the right pet insurer, you may apply for coverage on its website. You’ll need to share basic details about yourself and your pet, such as its breed and age.
Iowa pet insurance FAQs
Below, you’ll find further details about pet insurance policies and the best pet insurance companies in Iowa.
Is pet insurance more expensive in Iowa?
No. Pet insurance is cheaper in Iowa than in many other states and the U.S. average — perhaps due to the state’s lower cost of living.
What is the average cost of pet insurance in Iowa?
In Iowa, pet owners pay an average of $35 per month for a dog policy and $17 per month for a cat policy.
Does pet insurance cover pre-existing conditions in Iowa?
It’s unlikely that pet insurance companies will cover pre-existing conditions in Iowa. Most insurers don’t offer this type of coverage unless your pet has been symptom-free for a set period of time.
Is pet insurance worth it in Iowa?
Yes. Pet insurance is affordable in Iowa, and it helps cover the cost of unexpected vet bills and emergency vet visits. Many types of policies are available, and you choose the plan that best suits your budget, your pet’s age and health, and the type of coverage you need.
Methodology
Insurify data scientists analyzed more than 250,000 pet insurance quotes from our proprietary database — sourced by Fletch Insurance Services LLC (“Fletch”) — to determine the premium prices displayed on this page. These quotes come directly from Insurify’s 10+ partner insurance companies across all 50 states and Washington, D.C., reflecting monthly pet insurance costs for both dogs and cats.
Unless otherwise specified, premium prices represent one-year rolling medians to account for market volatility driven by factors such as rising veterinary care costs and increased pet ownership.
Breed-level prices incorporate both mixed and purebred pets. To ensure reliability, a minimum of eight quotes is required for dogs and four quotes for cats. Breeds with significant price deviations from the average are noted explicitly; other breeds are estimated based on average costs for all purebred pets.
Pets are grouped into three age brackets:
- Young: under 12 months
- Adult: 12 months to 7 years
- Senior: over 7 years
Coverage Limits
Dog premium averages reflect policies with annual coverage limits of $2,500, $5,000, $10,000, or unlimited.
Cat premium averages reflect policies with annual coverage limits of $2,500, $5,000, $7,000, $10,000, or unlimited.
For both dogs and cats, monthly premiums are segmented by:
- Deductible options: $250, $500, $1,000
- Reimbursement options: 70%, 80%, 90%
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Sources
- Iowa Health & Human Services. "Rabies - Information for Public, Providers and Veterinarians."
- Morris Animal Foundation. "Publications Highlight Disease Risk Differences Between Purebred and Mixed-Breed Cats."
- Insurance Information Institute. "Facts about pet insurance."
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Anna BaluchAuto and Home Insurance Writer
Anna Baluch is a Cleveland-based expert insurance and personal finance writer. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart insurance decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
Anna has been a contributor at Insurify since December 2022.
Becky HelzerEditor
Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
