Get the Best Pet Insurance in Idaho in 2025

Sponsored by Figo Pet Insurance

Looking for the best pet insurance options in Idaho for 2025? With so many plans to choose from, it’s important to know what makes a great policy. By understanding key factors, you can find coverage that fits your budget and supports your pet’s unique needs.

This guide is here to help you navigate pet insurance in the Gem State. We’ll break down costs, compare top providers, and highlight any specific laws or protections relevant to Idaho. By the time you’re done, you’ll feel confident picking the perfect plan to keep your pet healthy and happy.

Summary: Best Idaho Pet Insurance Ratings

AKC Pet Insurance

Best for pets with pre-existing conditions

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

ASPCA Pet Insurance

Best for wide-ranging coverage

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Embrace

Best for flexible policy options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Felix

Best for cats

Max Annual Coverage

$15,000

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Figo

Best for reimbursement options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$750

Pets Best

Best for senior pets

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$50-$1,000

Pumpkin

Best for puppies and kittens

Max Annual Coverage

Unlimited

Reimbursement Choices

90%

Deductible

$100-$1,000

Spot

Best for straightforward waiting periods

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Comparison information is provided using publicly available information as of 1/22/2025 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing info@petplace.com.

How Much Does Pet Insurance Cost in Idaho?

According to our research, Idaho pet insurance costs an average of $39 per month. This gets you a plan with $5,000 in annual coverage, a $250 deductible, and an 80% reimbursement level. For unlimited annual coverage with the same deductible and reimbursement rate, it's $65 a month*.

We calculated these figures by averaging the monthly costs from eight major pet insurance providers. To estimate typical expenses, we gathered quotes for a three-year-old, medium-sized, mixed-breed dog in two Idaho cities: Boise, a major urban center, and Burley, an average-sized city for the state.

It's important to note that your own Idaho pet insurance cost will depend on factors such as:

• Annual limit, deductible, and reimbursement level. These are the three primary components that determine your monthly premium. The annual limit is the maximum amount the policy will pay out in a year. The deductible is the amount you pay out-of-pocket before the insurance starts to cover costs. The reimbursement level is the percentage of the covered costs the insurance pays after the deductible. Generally, the higher the annual limit and reimbursement level, the more expensive the policy will be.
• Breed and gender. Some breeds are more prone to certain health conditions than others, which can impact the cost of insurance. Additionally, some insurers may charge different rates based on the gender of your pet.
• Your location. Where you live can affect the cost of pet insurance. Urban areas tend to have higher premiums due to the higher cost of veterinary care in cities.
• Your pet’s age. Just like with human insurance, the younger your pet is when you enroll them in a policy, the lower the premium will be. As they age, premiums may increase.

Additionally, there are other factors that can affect the cost of pet insurance, such as pre-existing conditions, your pet’s lifestyle, and whether or not you choose to add on any optional coverage. That's why it's vital to compare Idaho pet insurance plans carefully and choose a policy that suits your budget and your pet's individual needs.

Cost of Pet Insurance for Dogs in Idaho

Per our research, the average cost of pet insurance for a medium-sized mixed breed dog in Idaho is $39 per month*. This is based on a policy with $5,000 of annual pet insurance coverage, $250 deductible, and an 80% reimbursement level. A policy offering unlimited annual coverage, with a deductible of $250 and an 80% reimbursement rate, costs $65 monthly.

Cost of Pet Insurance in Idaho by Dog Breed

According to the American Kennel Club (AKC), the three most popular dog breeds of 2023 in the U.S. were the French Bulldog, Labrador Retriever, and Golden Retriever. Here are the monthly pet insurance rates you can expect to pay for these breeds in Idaho:

Cost of Pet Insurance for Cats in Idaho

Pet insurance for cats is significantly cheaper than dog insurance in Idaho. The average monthly cost for cat insurance in Idaho ranges from $18 to $34, depending on factors such as age, annual coverage, breed, deductible, plan type, and reimbursement amount**.

Cost of Pet Insurance in Idaho by Cat Breed

In 2023, the three most popular cat breeds in the U.S. were the Ragdoll, Maine Coon Cat, and Persian, according to the Cat Fanciers' Association (CFA). Based on our analysis of Idaho pet insurance, here are the average monthly rates for these breeds:

Cost Comparison for Pet Insurance Companies in Idaho

Types of Pet Insurance Plans

Pet insurance companies offer policies that cover a wide range of issues, from accidents and illnesses to routine care. Here's an overview of the most common types of pet insurance plans:

Accident and Illness

This type of policy typically covers unexpected accidents and illnesses, such as broken bones, cancer, and infections. It generally includes diagnostic tests, x-rays, ultrasounds, exam fees, hospital stays, surgeries, and prescription medications.

Coverage may also extend to treatments like prosthetic devices, mobility aids, and, in some cases, alternative therapies such as acupuncture or chiropractic care. Coverage for behavioral issues and insurance for senior dogs and senior cats can vary between providers and might not always be included in the base plan, requiring add-ons or separate policies.

Accident Only

Accident-only pet insurance policies are typically the most affordable plans available, covering injuries from accidents like cuts, broken bones, and sprains. This includes vet exams, diagnostic testing (x-rays, MRIs, ultrasounds), hospitalization (surgery and treatment), medications, and rehabilitation.

Wellness and Routine Care

Wellness and routine care plans help manage and offset the cost of preventive care to keep your pet healthy. These policies generally cover routine check-ups, vaccinations, dental cleanings, microchipping, deworming, spay/neuter surgeries, and flea and tick prevention. This type of coverage is often available as an optional add-on to an accident and illness policy.

Pre-Existing Conditions

Pet insurance providers traditionally do not cover pre-existing conditions, making this an essential factor for pet parents to consider when choosing a policy. A pre-existing condition is any health issue that your pet was diagnosed with or showed symptoms of before the start date of the insurance policy or during the waiting period.

However, some insurance companies distinguish between curable and incurable pre-existing conditions. For curable conditions, if your pet has been symptom-free and has not required treatment for a specific period – typically for 6 to 12 months before the policy start date – these conditions might then be eligible for coverage. In contrast, incurable conditions, such as chronic diseases or ongoing illnesses, are generally not covered at any point.

Review your sample policy from your provider for a full list of condition coverage and exclusions.

Reimbursement

Reimbursement rates dictate the percentage of the vet bill that will be paid back to you after you've met your deductible. Common reimbursement levels offered by pet insurance companies range from 70% to 90%. Keep in mind that higher reimbursement rates typically result in higher monthly premiums, so you'll need to find the right balance that works for your budget and needs.

Waiting periods are another vital component of pet insurance policies. They refer to the time between the start date of your policy and when coverage actually begins. Most pet insurance plans have a waiting period for both accidents and illnesses, which can range from a few days to several months.

Accidents usually have a shorter waiting period, often starting within 48 to 72 hours after the policy begins, while waiting periods for illnesses might last anywhere from 14 to 30 days or more. It's vital to note these periods because no claims can be made for accidents or illnesses that occur during the waiting period.

How to Find the Best Pet Insurance in Idaho

Idaho’s natural beauty and outdoor lifestyle bring unique challenges for pets. Wildlife encounters are a common risk, with coyotes, bears, and rattlesnakes posing threats, especially in rural and wooded areas. Pets that explore these environments are more likely to face injuries requiring immediate care.

The state’s varied climate also impacts pet safety. Hot summers in lower elevations can lead to dehydration and heatstroke, while the cold winters in mountainous regions put pets at risk of frostbite and hypothermia. Monitoring pets during extreme weather is key to keeping them safe.

Ticks are another concern in Idaho’s forests and grasslands, as they can spread diseases like Lyme disease and Rocky Mountain spotted fever. Pets that spend time outdoors should be regularly checked for ticks and kept on preventatives.

Idaho’s rugged terrain can also lead to injuries, while exposure to cheatgrass, a common regional plant, may cause painful infections. Preventing these issues is important for pets that enjoy outdoor activities.

Choosing a pet insurance plan with broad coverage helps protect your pet from Idaho’s unique risks, offering peace of mind no matter where your adventures take you.

Here are some important features to keep in mind when selecting the best pet insurance plan in the Gem State:

• 24/7 vet helpline. Access to a round-the-clock veterinary helpline for immediate advice on emergency care or general health questions can be incredibly valuable, especially in a state like Idaho, where wildlife and extreme weather can pose potential risks.
• Direct vet payments. Some insurance providers offer the option to pay your vet bills directly, so you don't have to pay out of pocket and wait for reimbursement.
• Wellness and routine care coverage. Choosing a policy that offers wellness and routine care coverage can help offset the costs of preventive care.
• Waiting periods. Consider the waiting periods for accidents and illnesses to ensure you understand when coverage will begin.
• Vet exam fees coverage. Veterinary costs in Idaho can add up fast, but having coverage for exam fees can help you save a lot in the long run.
• Multi-pet discount. If you have multiple pets, look for providers that offer discounts for insuring more than one pet.

Idaho Pet Laws

Idaho, famous for its breathtaking landscapes and love of the great outdoors, has animal laws in place to protect pets and ensure responsible ownership. Here are key regulations every pet owner in Idaho should know:

• Licensing and impoundment. Idaho counties can require dogs to be licensed. Unlicensed dogs found at large may be seized and impounded by the county sheriff. If the owner cannot be located after "reasonable effort," the dog may be humanely euthanized after five days.
• Cruelty laws. Idaho defines cruelty as intentionally or negligently causing pain, suffering, injury, or death to an animal. Neglecting to provide necessary food, water, or care is also considered cruelty. Violators may face misdemeanor charges.
• Dangerous dogs. If a dog attacks a person unprovoked, the owner is guilty of a misdemeanor and responsible for damages. Repeat offenses may result in the dog being destroyed by court order. Additionally, if a dog kills or injures livestock or poultry, the owner is liable for damages.
• Dogs as property. Idaho law recognizes dogs as personal property. Owners are allowed to use electronic locating collars on their dogs to prevent loss, and no state or local government entity can restrict this right.
• Dogs at large. Allowing a dog to run at large after a complaint has been filed with the sheriff is considered an infraction.

Boise Pet Laws

Boise, known for its vibrant downtown and outdoor lifestyle, has comprehensive pet laws to ensure the safety and well-being of both animals and residents. Here are some important regulations to keep in mind:

• Licensing. All dogs over 16 weeks old must be licensed in Boise, with renewals available for one, two, or three years. Proof of spay or neuter is required for a discounted fee, while unneutered animals incur an additional charge. Service dogs are exempt from licensing fees.
• Leash laws. Dogs must be leashed in public unless in a designated training or exercise area. Leashes must be strong enough to restrain the dog, and handlers must be able to maintain control. In specific areas, dogs can be off-leash if under effective voice, whistle, or command control by a responsible person.
• Animal control services. The city partners with third-party agencies and shelters to handle animal control and provide humane care. These agencies employ Humane Officers authorized to enforce Boise's animal control laws.
• Dangerous and potentially dangerous dogs. Dogs classified as dangerous or potentially dangerous must be registered, licensed, and insured by their owners. They must be securely confined at home and leashed when off-property. The city can impound such dogs while a determination hearing is pending.

Meridian Pet Laws

Meridian is a growing city in Idaho known for its family-friendly atmosphere and lively green spaces. To ensure the safety of both residents and their pets, the city enforces strict pet laws. Here’s what every pet owner needs to know to ensure their furry friends stay happy, healthy, and safe:

• Licensing. All dogs over six months old must be licensed with a City of Meridian Dog License. Licenses are valid for one year from the date issued, and the city may partner with the Idaho Humane Society, licensed vets, or pet product vendors for license distribution.
• Leash laws. Dogs must be on a leash no longer than six feet when in public places. Dogs are also prohibited from being on private property without the owner’s consent.
• Dangerous and at-risk dogs. Owners of dangerous dogs must meet strict requirements, including registering the dog with animal control, implanting a microchip, maintaining liability insurance, keeping the dog in a secure enclosure, posting warning signs, and using a short leash and muzzle when off-property. At-risk dogs require a microchip, secure containment, and must be leashed (no longer than six feet) when outside the owner’s property.
• Animal control. The Meridian City Council appoints an Animal Control Agency to enforce pet-related laws. Animal control officers can impound animals, declare animals abandoned, euthanize or put abandoned animals up for adoption, and designate dogs as dangerous or at-risk. The city works with a designated shelter to house impounded animals.

Nampa Pet Laws

Nampa, home to the Warhawk Air Museum and Deer Flat National Wildlife Refuge, has established pet laws to promote harmony between residents and animals. Here’s what pet owners need to know:

• Licensing. All dogs over six months old must be licensed. Licenses are available for one or three years and remain valid until their expiration or the rabies vaccination expiration date. Proof of rabies vaccination and spaying/neutering is required. Service and guide dogs are exempt from licensing fees. It is unlawful for a dog to wear an expired or counterfeit license tag.
• Leash laws. Dogs must be on a leash no longer than eight feet in public areas, except in designated training or exercise areas where they must be under voice or whistle control. Animals are prohibited from running at large on public streets, alleys, or private property without the property owner’s consent unless restrained by a leash or confined to an enclosure.
• Cruelty and neglect. Animal cruelty includes intentionally or negligently causing harm, such as bruising, malnutrition, burns, or fractures, as well as failing to provide adequate food, water, shelter, veterinary care, or a clean environment. Cruelty to animals is a misdemeanor offense.
• Vicious animals. It is illegal to own or harbor an animal deemed vicious, defined as one that attacks or bites unprovoked, causes injury, or is trained for fighting. Animal control officers may seize and impound a suspected vicious animal, and the court may order its destruction or removal from the city if confirmed.

Common Pet Risks in Idaho

Idaho’s stunning natural landscapes and outdoor lifestyle come with specific risks for pets. From the rugged mountains to sprawling plains, Idaho pet owners should be aware of the challenges their furry companions might face. Here are some of the most common risks in the Gem State:

• Wildlife encounters. Idaho’s forests and open spaces are home to wildlife such as coyotes, mountain lions, and venomous snakes like the Prairie Rattlesnake. These animals can pose serious threats to pets, especially those allowed to roam unsupervised. Keep pets on a leash during outdoor activities and stay vigilant in wildlife-prone areas to reduce the risk of injuries.
• Heat-related illnesses. Idaho’s hot summers, particularly in the southern and lower-elevation regions, can lead to dehydration and heatstroke in pets. Signs include excessive panting, drooling, and lethargy. Always provide fresh water, shade, and avoid outdoor activities during the hottest parts of the day.
• Cold weather hazards. Winters in Idaho’s higher altitudes bring freezing temperatures, snow, and icy conditions that can cause frostbite and hypothermia in pets. Limit outdoor exposure during extreme cold and provide proper shelter to keep pets warm.
• Tick-borne diseases. Ticks are a common problem in Idaho’s forests and grassy areas. They can transmit diseases like Lyme disease and Rocky Mountain spotted fever to pets. Regular tick prevention, coupled with checks after outdoor adventures, is essential for pet safety.
• Cheatgrass injuries. This invasive plant is prevalent across Idaho and can cause painful injuries. The barbed seeds can embed in a pet’s skin, paws, or even ears, leading to infections or abscesses. Inspect your pet after hikes and remove any visible seeds immediately.
• Poor air quality. Dust storms and wildfires in Idaho can cause poor air quality, which may lead to respiratory issues in pets, particularly those with pre-existing conditions. Limit outdoor activities during these events and ensure pets have a safe indoor space.
• Waterborne hazards. Idaho’s lakes and rivers, while great for outdoor fun, may contain harmful algal blooms that can release toxins dangerous to pets if ingested. Always supervise pets near water and avoid allowing them to drink from or swim in contaminated sources.

Veterinary Costs in Idaho

According to Banfield Pet Hospital's Price Estimator, the average cost for a vet visit in Idaho is $67. However, costs will be higher for emergency care or specialized treatments. Here's an overview of vet visit costs in five cities across the state:

Best Pet Insurance by City in Idaho

As mentioned earlier, where you live can affect the cost of pet insurance. Here's an overview of the most affordable pet insurance providers in three major cities in Idaho:

Methodology

The PetPlace team compiled this guide through research and analysis of publicly available data. Some of the factors we considered include policy rates, waiting periods, the availability of a 24/7 vet helpline, and wellness routine care coverage. Our goal is to provide helpful information for pet owners in Idaho. However, we recommend conducting your own research, speaking to a licensed veterinarian, and considering your budget and your pet's specific needs before deciding on a pet insurance provider.

Best Pet Insurance in Idaho FAQs

Recommended Resources

• 7 Essential Tips for Choosing a Pet Insurance Policy That’s Right for You
• Compare and Contrast Pet Insurance Providers
• How Are Pet Wellness Plans Different from Pet Insurance?
• Is Pet Insurance Worth It for an Indoor Cat?
• Pet Insurance: What It Covers
• Pet Insurance for Kittens