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Best Pet Insurance Utah

Last modified: Sep 29, 2022

No pet parent likes thinking about it, but the truth is that every pet can get sick or hurt during its lifetime.  One in three pet owners files a claim during the first policy year! Whether it’s taking your pet to pet-friendly state parks in the great outdoors or keeping them inside, anything can cause their health to decline. Therefore, it is important to sign up for the best pet insurance in Utah to care for vet bills that continue escalating in such situations.

Thankfully, there are several trustworthy pet insurance providers on the Utah market, allowing you to find one that suits your specific requirements and preferences. Pet insurance can make your pet’s health expenses more affordable and give you peace of mind, enabling you to enjoy the extra quality time with your fur kids. Here is a complete guide to some of the most reliable pet insurance companies in Utah. Also, make sure to check our list of the most reputable pet insurance companies in the US

Which Pet Insurance Is the Best In Utah?

We conduct extensive research and carry out the necessary comparisons to create the best pet insurance Utah reviews. Additionally, we follow some necessary steps to provide you with the most accurate information, including:

First, we analyze the company’s official website to identify the types of insurance plans it offers, highlighted features, company policy, exclusions, starting rates, and more.

Next, we use the pet insurance company’s website ourselves to determine if it is user-friendly and easy to navigate or not. We also check if the website caters to traditional audiences or tech-savvy ones. Moreover, we examine if the website provides all the necessary details about the policies in an understandable and easy format. 

Lastly, we study various reviews by customers to examine the company’s quality of service and its customer satisfaction rate. !We also collect data on the financial strength and market reputation of the company from reliable sources.

Following are some of the best pet insurance companies in Utah:

Why Pet Insurance?

If you are wondering why pet insurance is necessary, we are here to help! If you are a pet parent yourself, you know that owning a pet comes with several responsibilities and duties. These responsibilities often translate to high bills and increased overall expenses. No matter the type of pet you own, the costs of necessities, such as food, toys, beds, and treats are a given. Along with these basic pet costs, one major cost of being a pet parent is the veterinary expenses.

If you are looking for reliable pet insurance providers in Utah, we have got you covered! Signing up for a suitable pet insurance policy can help you prepare yourself for any unexpected emergencies related to your little friend and save you from bills of thousands of dollars.

Pet Insurance Cost in Utah

When it comes to pet insurance Utah cost, one of the key factors to determine policy prices is the policyholder’s location. Pet insurance providers are known to adjust the rates of policies according to the cost of living in the location. If you are looking for affordable pet insurance for cats or dogs, here is pet insurance price Utah for some of its most popular cities to help you make an informed decision:

City  Cost/Month
Salt Lake City $38
West Valley City $37
Provo $35

Veterinary expenses in Utah fall on the national average as the costs aren’t that high. However, as with any other state, even with low-income pet help, the most affordable pet insurance policy’s costs can easily pile up if your sweet pet suffers from severe health issues. Here are some medical conditions that can generate an extensive bill:

Which Types of Coverage Are Offered?

Whether you are looking for Salt Lake City benefit veterinarian pet insurance or pet insurance providers in any city in Utah, you must understand the plans they have to offer. Since every animal is unique, the benefits of pet insurance policies can greatly differ. Even pet insurance for cats and pet insurance for dogs differs depending on the species, age, and breed. Here is a list of various pet insurance bundles for multiple pets that can help you make an informed decision:

Time-Limited Pet Insurance

Time-limited policies enable policyholders to claim for an eligible medical condition. However, you can make a claim up to a particular amount. Each new condition within the policy is covered up to a 12-month financial policy. Once the financial limit and the time period exceed, policyholders will be liable for any further treatment expenses for that specific condition.

Lifetime Pet Insurance Policies

Lifetime pet insurance is a premium option. As the name suggests, this policy covers your pet for the duration of its lifetime. However, it requires an annual renewal. Under this policy, all medical conditions of your pet are covered up to a certain financial limit. If the limit ends, the coverage stops for a specific condition until you have the policy renewed.

Comprehensive Coverage

A comprehensive pet insurance policy covers any illnesses or accidents your pet may experience. It also covers some of the expenses for vaccinations, routine care, and behavior training courses. The average cost of this policy is 60 dollars or more per month.

Accident Only Pet Insurance

The accident-only insurance policy covers vet expenses when a pet suffers from an unexpected or sudden injury or accident within the 12-month insurance policy period. This is a low budget option and can help cover minor accidents and health issues. However, time and financial limits may be applicable as per the terms of your policy.

Accident and Illness Coverage

Accident and illness coverage is one of the most useful pet wellness plans, enabling users to pay for costs they owe if their pet is diagnosed with a disease or illness. The average cost covered for your pet’s conditions within this policy is 35 to 55 dollars a month.

Maximum Benefit

Maximum benefit coverage is a mid-budget insurance option, which provides coverage for new medical conditions up to a certain financial limit. There is no time limit on the policyholder’s claim, and you can file a claim as long as your policy remains in force.

What Is Not Covered?

While the companies on our list offer a wide range of insurance coverage options, no insurance provider covers all pet-related costs. Following are some common things that might not be covered:

Costs that Aren’t Related Directly to Vet Services

Expenses such as credit card fees, waste disposal, record access, and tax are not eligible for reimbursements.

Grooming Services

Pet insurance policies often don’t cover costs for grooming services, such as baths, shampoos, nail trims, and dips.

Pet Pre-Existing Conditions

An injury or illness your pet had suffered from before you signed up for your policy might not be covered. However, not all companies exclude all pre-existing medical conditions permanently. Often, if the policyholder has medical records from their vet stating your pet’s condition has been cured for at least six months, you might be able to get the condition covered.

Best Insurance Companies in Utah


Company Best For Coverages What Pet Insurance Is Not Covering Starting Rate Monthly
Healthy Paws Automatically compares insurance rates with competitors

Easy and quick claims process

Unlimited annual benefits

Accidents and illness policy Examination fees

All forms of preventive care

End-of-life costs such as burial or cremation

Cats: $8.01

Dogs: $20.33

Banfield Doesn’t exclude pre-existing conditions

No waiting period

Simplified pricing structure

Tailored plans

Covers preventive and commonwealth services

Early Care Program

Early Care Plus Programs

Active Care

Active Care Plus

Special Care

Pre-existing conditions Cats: $24.95

Dogs: $31.95

Geico Choose your own coverage

Great discounts

Three wellness options

Suitable for any budget

Highly-customizable accident and illness plan

Preventive care services

Preventable diseases for which the pet owner failed to have their pets vaccinated Cats: $5.68

Dogs: $11.35

PetFirst Helpful online resources

Professional and multi-pet discounts

Accident coverage begins within 24 hours

Low deductibles

Accident and illness policy Cosmetic procedures


Cats: $8.75

Dogs: $12.46

Nationwide Discounts available

Coverage for most family pets

Comprehensive benefit options

Major Medical

Major Medical with Wellness

Whole Pet with Wellness

Pre-existing conditions

Cosmetic procedures

Grooming and boarding


Cats: $12.89

Dogs: $24.29

Progressive Flat-rate pricing on some plans

Multiple ways to save

Offers direct vet payments

Flexible policy options

Plans start at just $6 per month

Accident-only plan

Accident and illness plans

End-of-life costs like burial or cremation Cats: $5.20

Dogs: $8.79

Detailed Reviews

Healthy Paws Pet Insurance

Healthy Paws is a reputable pet insurance company offering simple policies with very few details that the policyholders need to worry about. While some pet owners looking for basic pet insurance might love the streamlined process, others might be disappointed in the lack of control over the type and amount of coverage they can get. Therefore, before you sign up with an insurance coverage policy with Healthy Paws, make sure the coverage they offer aligns with your and your pet’s needs.

Banfield Pet Insurance

Pet insurance Utah Banfield is a great option for pet parents as it ensures the ongoing wellness of their pet with various benefits it has to offer. If you are unhappy with the preventative care insurance other insurers offer, Banfield’s pet wellness plans might be the ideal choice for you to provide your pet with routine veterinary care. Banfield provides various preventive services, including vaccinations, annual checkups, and screenings that are necessary when it comes to common diseases.

Geico Pet Insurance

Geico pet insurance offers affordable policies with customizable coverage options to meet the pet owner’s personal needs, preferences, and budget. However, when it comes to lower deductibles and higher limits, Geico might not be your ideal choice.

PetFirst Pet Insurance

When it comes to policy terms and services, PetFirst pet insurance (Salt Lake City, Utah, and other cities and states) offers various options. Moreover, the plans are extremely easy to navigate. The company offers seven-day support to customers, ensuring maximum customer satisfaction, and provides ample educational resources to help them make informed decisions. If you are looking for annual coverage within 10,000 dollars, PetFirst might be the right choice for you!

Nationwide Pet Insurance

Nationwide pet insurance offers three different all-inclusive options for pet insurance policies. The veterinary benefits included are of full-range. It offers better transparency with fixed prices and the total cost of additional riders doesn’t need to be factored in. It simply doesn’t leave you guessing! The prices you see are the prices you get. Comprehensive benefit options, available discounts, and coverage for most family pets are major advantages of this insurance service provider.

Progressive Pet Insurance

Progressive is an experienced and dedicated pet insurance company providing potential policyholders with great plans at a good price. With Progressive pet insurance, you can easily find the right level of insurance coverage with ease, even if their packages aren’t as customizable as others. Moreover, customers at Progressive enjoy peace of mind knowing that their premiums remain reasonably-priced even as their pets grow older. With wellness and accident-only coverage at Progressive, the costs remain steady for pets of all ages.

Use the information mentioned above to make the best decision that suits your personal needs and the necessities of your precious pet friend!



Are multiple pet discounts available in Utah?

Yes, many pet insurance providers in Utah offer various discounts to pet owners to make pet health care more affordable! Some of the pet insurance providers in Utah include:

  • Healthy Paws
  • Progressive
  • Nationwide
  • PetFirst
  • Geico
  • Banfield

Is there a pet insurance in Utah that covers pre-existing conditions?

While there aren’t any pet insurance plans in Utah covering pre-existing conditions, some policies do pay for conditions that are curable and have no recurring symptoms after a specific waiting period.

How many animals can you own in Utah?

Household animals in Utah should be limited to four animals per address and include no more than two dogs, two cats, and two pot-bellied pigs.

How do I adopt a dog in Utah?

The adoption process in Utah is quite similar to the adoption process in any other location. You must meet the dog you want to adopt, fill out an application, and pay the required fee for adoption.

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