Finding the Best Pet Insurance in Boise City, ID

Getting pet insurance is one of the best things you can do for your furry friend. Pet insurance helps cover the costs of vet bills, medications, surgeries, and other medical expenses. This allows pet parents to get their animals the care they need without worrying about budget constraints

When looking for pet insurance, Boise City residents have several options to consider. This article will discuss the top pet insurance providers in Idaho to help you find the right plan. We’ll look at cost, coverage, customer satisfaction, and more to determine the best choices available in the Boise City area.

Overview of Top Pet Insurance Companies in Idaho

There are four pet insurance companies that stand out as top choices in Idaho:

• Embrace Pet Insurance: Embrace is rated A+ by the Better Business Bureau (BBB) and costs $53-$64 per month. They have excellent customer service and configurable plans.

• Fetch by The Dodo: Fetch has an A+ BBB rating and monthly costs of $43-$50. They offer straightforward, affordable plans with few exclusions.

• Healthy Paws: With an A+ BBB rating and monthly prices from $35-49, Healthy Paws is known for comprehensive coverage and easy claims.

• Figo Pet Insurance: Figo has a B BBB rating and monthly premiums starting at $22. They have affordable accident-only coverage options.

When comparing pet insurance plans, you’ll want to look at the monthly premium, deductible, reimbursement percentage, covered services, exclusions, and customer satisfaction ratings Getting quotes from multiple companies is the best way to find the right fit.

What to Look for in Pet Insurance Plans

There are a few key factors to evaluate when choosing a pet insurance policy in the Boise City area

Covered services – Most plans cover vet exams, surgeries, hospitalization, medications, cancer treatment, imaging, lab work, and more. But they vary on exotic pet care, physical therapy, dental, prescription food, and other services. Make sure the plan covers everything you want.

Reimbursement percentage – This is the portion of the vet bill the insurance reimburses, usually 70% to 90%. The higher the better.

Deductible – A higher deductible means lower premiums but more out-of-pocket costs per claim. Opt for a deductible you can comfortably afford per visit.

Exclusions – Some plans exclude hereditary conditions, pre-existing conditions, exam fees, and more. Watch for exclusions that would impact your pet’s care.

Customer service – It’s important to work with a responsive, helpful pet insurance company when you have questions or claims. Check reviews and ratings.

Examining the Top 4 Idaho Pet Insurance Providers

Now let’s take an in-depth look at pet insurance from Embrace, Fetch, Healthy Paws, and Figo to see the highlights of each company.

Embrace Pet Insurance

• Cost – Embrace policies start at $53 per month for dogs and $64 for cats with $200 deductibles and 80% reimbursement.

• Coverage highlights – Their plans cover hereditary and chronic conditions, alternative therapies, behavioral issues, dental illnesses, wellness rewards, and more.

• Exclusions – Some breed-specific conditions may be excluded as pre-existing based on breed risk. Routine wellness care isn’t covered.

• Reimbursement – You can choose 70%, 80%, or 90% reimbursement. Claims are paid in as little as 10 days via direct deposit.

• Customer service – Embrace has exceptional customer service and an A+ BBB rating. Customers praise their friendly, helpful staff.

For – Extensive coverage options, fast claims, excellent service

Against – Higher monthly premiums than some competitors

Fetch Pet Insurance by The Dodo

• Cost – Fetch monthly premiums range from $43 for cats to $50 for dogs with $100 deductibles and 80% reimbursement.

• Coverage highlights – Fetch covers all accidents and illnesses, hereditary conditions, surgeries, cancer treatments, hospital stays, x-rays, lab tests, prescription medications, and more.

• Exclusions – Wellness coverage, pre-existing conditions, and exam fees are not covered.

• Reimbursement – You can choose 70%, 80%, or 90%. Claims are paid via direct deposit within 2 weeks on average.

• Customer service – Fetch has responsive customer service available by phone and email and an A+ BBB rating.

For – Affordable, straightforward accident/illness coverage

Against – Does not include wellness or routine care coverage

Healthy Paws Pet Insurance

• Cost – For 80% reimbursement, costs range from $35 for cats and $49 for dogs with $100 deductibles.

• Coverage highlights – Healthy Paws offers coverage with no caps and low premiums. All medical conditions, hereditary conditions, chronic illnesses, alternative therapies, surgeries, cancer treatment, prescription food and medications, and more are covered.

• Exclusions – Some pre-existing conditions aren’t covered. Wellness and preventative care aren’t included.

• Reimbursement – You can choose 70%, 80%, or 90% reimbursement. Claims are paid in 2 weeks or less via direct deposit.

• Customer service – Healthy Paws has superb customer service and maintains an A+ BBB rating. Customers report very fast claim payments.

For – Comprehensive accident/illness coverage, fast claims payments

Against – Doesn’t include wellness coverage

Figo Pet Insurance

• Cost – For 100% reimbursement, Figo costs $27 for dogs and $22 for cats with $100 deductibles. They also offer 70% and 80% options.

• Coverage highlights – Figo offers an affordable accident-only plan that covers vet visits, surgeries, hospital stays, medications, and alternative therapies related to accidents. Their Pet Cloud program allows sharing digital vet records.

• Exclusions – Illnesses unrelated to accidents, such as cancer or hereditary diseases, aren’t covered. Neither are exam fees or pre-existing conditions.

• Reimbursement – You choose either 70%, 80%, or 100% reimbursement. Claims are generally paid within 14 days via direct deposit.

• Customer service – Figo offers phone and email customer support with a B BBB rating. Most customers find their service helpful and friendly.

For – Affordable accident coverage and digital vet sharing

Against – Very limited illness coverage

Key Takeaways for Pet Insurance in Boise City, ID

• Consider your budget – Monthly premiums, deductibles, and reimbursement percentages vary widely between pet insurers. Make sure to get quotes with your pet’s details to find an affordable policy.

• Look for comprehensive accident/illness coverage – While accident-only plans cost less, illness coverage is important for conditions like cancer or hereditary diseases. Read policy details closely.

• Check reimbursement speed – Faster reimbursements mean less waiting for your money back. Many pet insurers reimburse claims in 10-14 days.

• Read customer service reviews – Having a responsive, friendly pet insurance company makes a big difference during claims and questions. Check BBB and online reviews.

• Compare wellness plan add-ons – Some insurers offer supplemental wellness coverage for vaccinations, checkups, prescriptions, and more. This is a nice perk for pets that require extra care.

Getting pet insurance from a leading company like Embrace, Fetch, Healthy Paws, or Figo can provide you with peace of mind and help you access the best care for your furry friend. Evaluate all the options in your budget to find the right plan. Your pet deserves the best protection!