The Best Pet Insurance in Utah in 2025
Our top picks for pet insurance in Utah include Lemonade, Spot, and Figo.
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Edited byLequita Westbrooks
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Lequita WestbrooksSenior Editor
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Reviewed byJohn Leach
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John LeachLicensed Insurance Agent
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.
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In This Article
When your beloved furry family member gets sick or injured, the last thing you want to worry about is how to pay for treatment. Pet insurance helps you protect your pet and your wallet during unexpected veterinary emergencies.
The average cost of pet insurance in Utah is approximately $41 per month for dogs and $22 per month for cats, according to our data.
But what you pay can vary quite a bit from these general averages. With that in mind, we reviewed the best pet insurance companies available in Utah to help you find the right coverage for your four-legged companion.
Our picks stand out for their competitive pricing, comprehensive coverage options, and strong track records in Utah. Whether you have a young kitten or a senior dog, we’ll walk you through everything you need to know about pet insurance in the Beehive State.
What You Need to Know About Pet Insurance in Utah
Pet insurance for dogs averages $492 annually, while cats cost around $264.
Lemonade offers the lowest rates for dogs. For cats, the cheapest company is typically Spot.
Utah doesn’t allow insurance companies to charge different rates or deny coverage based on your dog’s breed.
In 2023, the state created a special license for people who specifically sell pet insurance.[1]
Compare Pet Insurance Companies in Utah
The table below compares leading pet insurance companies across key metrics like average premiums, coverage options, and waiting periods. These companies represent the most competitive options available to Utah pet owners. Each offers unique advantages depending on your pet’s specific needs and your budget.
 |  |  |  |  |
|---|---|---|---|---|
Avg. quote, dogs Prices based on average across all available dog breeds and locations $23/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $24/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $30/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $66/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $52/mo* |
Avg. quote, cats Prices based on average across all available cat breeds and locations $13/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $13/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $16/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $39/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $0/mo* |
Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 60%–90% | 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% | 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. 50%–90% |
Payout limits The maximum amount your provider will pay for covered events. $5,000–$100,000 | Payout limits The maximum amount your provider will pay for covered events. $2,500–Unlimited | Payout limits The maximum amount your provider will pay for covered events. $2,500–Unlimited | 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. 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–$500 | 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. $250–$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. | 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 Not 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 Compare users who received a pet insurance quote from our partner Fletch.
Save Money with Utah’s Best Pet Insurers
Policies in Utah start as low as $13 per month.
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Our Picks for the Best Pet Insurance Companies in Utah
After analyzing dozens of pet insurance companies, we’ve selected these top companies based on their competitive rates, coverage quality, and customer satisfaction in Utah.
Lemonade: Best for dogs
Pros
Bundling discount of up to 15%
Can file claims through app
Quick reimbursements
Cons
Behavioral coverage available only as add-on
No coverage for dental illness
Limited phone support
Lemonade stands out as our top choice for Utah dog owners because it offers the most affordable rates in the state, according to Compare.com data.
This tech-forward insurer streamlines the claims process through its user-friendly mobile app, often processing claims in just minutes using artificial intelligence (AI). The company offers customizable deductibles from $100 to $750 and reimbursement rates up to 90%.
What makes Lemonade unique is its “Giveback” program that donates unused premiums to animal charities.
While behavioral treatment requires an add-on, Lemonade’s combination of affordability and efficiency makes it an excellent choice for budget-conscious dog owners.
Spot: Best for cats
Pros
No age restrictions
Optional wellness plans
Covers behavioral issues
Cons
No 100% reimbursement option
14-day waiting period for illness
Higher premiums possible
Spot pet insurance earns our recommendation for Utah cat owners with its competitive $24 monthly premiums and unlimited payout options. Unlike many insurers, Spot has no age restrictions, making it ideal for older cats that other companies might decline.
The company covers behavioral issues in its standard plans and offers optional wellness coverage for routine care like vaccinations and annual exams.
Spot also provides a unique benefit for curable pre-existing conditions. If your cat remains symptom-free for 180 days, it may reinstate coverage for that condition.
ASPCA: Best for young pets
Pros
No age restrictions
Optional wellness plans
Covers behavioral issues
Cons
No 100% reimbursement option
14-day waiting for illness
Higher premiums possible
ASPCA pet insurance excels for young pets with its flexible deductibles and comprehensive coverage options. The company stands out by covering alternative therapies like acupuncture and chiropractic care, which can be especially beneficial for active young animals.
Its Complete Coverage plan includes coverage for hereditary conditions, dental diseases, and behavioral issues in the base policy.
What sets ASPCA apart is its multi-pet discount of 10% for each additional pet, making it cost-effective for families with multiple young animals. The company also allows you to visit any licensed veterinarian in the U.S. or Canada.
Figo: Best for senior pets
Pros
No upper age limit
Multiple reimbursement options
Cloud-based claims portal
Cons
Mixed customer reviews about claims
No coverage for exam fees
Longer waiting periods
Figo pet insurance provides a solid balance of affordability and coverage for senior pets in Utah. The company welcomes pets of any age and offers highly customizable plans with reimbursement rates from 70% to 100%.
Figo’s “Pet Cloud” platform includes 24/7 virtual vet consultations, which can be particularly valuable for senior pet owners who need quick medical advice.
The company covers some curable pre-existing conditions if pets remain symptom-free for 12 months, giving senior pet owners hope for coverage of recurring issues.
It also offers “Powerups” add-ons for wellness care and exam fees.
Healthy Paws: Best for unlimited payouts
Pros
Unlimited annual and lifetime payouts
Quick claims processing
Simple plan structure
Cons
Won’t issue policies to older pets
Doesn’t offer wellness coverage
Limited deductible options
Healthy Paws stands out as the only insurer with true unlimited payouts and lifetime coverage, making it perfect for owners who want maximum protection regardless of cost. The company processes most claims within two days and offers one comprehensive plan covering accidents, illnesses, hereditary conditions, and emergency care.
Its streamlined approach means no confusing plan tiers or annual limits to track.
While it doesn’t cover routine care or exam fees, Healthy Paws excels at covering major medical expenses that could otherwise financially devastate pet owners. This makes Healthy Paws ideal for owners prioritizing comprehensive protection over routine care coverage.
Our editorial team selected the companies you see here based on a combination of average premiums, available coverages, policy features, and more.
These factors include:
State-level average premiums by species, age, and breed
Available reimbursement rates, payout levels, and deductibles
Waiting periods for common conditions
Coverage for curable pre-existing conditions
Plan flexibility and policy management features
We prioritized each factor differently depending on the category to provide the best possible recommendations to pet owners throughout the state.
The Cheapest Pet Insurance Companies in Utah
Pet insurance rates can vary dramatically based on your pet’s age, breed, health history, and the coverage you choose. For example, purebred dogs often cost more to insure than mixed breeds due to higher risks of hereditary conditions.[2]
The table below represents average monthly premiums for pet insurance in Utah, according to Compare.com data.
The below rates are estimated rates current as of: Sunday, October 5 at 12:00 PM PDT.
Company  | Average Monthly Premium: Dogs | Average Monthly Premium: Cats |
|---|---|---|
| Lemonade | $23 | $13 |
| Spot | $24 | $13 |
| ASPCA | $30 | $16 |
| Prudent Pet | $51 | $30 |
| Pumpkin | $64 | $33 |
| Figo | $66 | $39 |
Utah Pet Insurance Laws and Requirements
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Utah maintains relatively pet-friendly regulations compared to other states. In 2023, Utah added a special insurance license for pet insurance, reflecting the industry’s growth.
Here are the key laws affecting pet owners:
Licensing requirements
Owners must annually license dogs 6 months and older.[3]
License fees are typically due by Dec. 31, with penalties after Jan. 15.
Lifetime licenses are available for spayed/neutered pets in some counties.
Vaccination and health requirements
All dogs and cats must have an up-to-date rabies vaccination.
Shelter-adopted pets must be spayed or neutered within 30 days of adoption.[4]
Proof of a current rabies vaccination is required to get a license.
Breed-specific protections
Utah follows a statewide trend prohibiting breed-specific discrimination, with legislation similar to Arizona’s recent breed-neutral insurance laws.[5]
Homeowners insurance breed restrictions are discouraged but not prohibited.[6]
Leash and control laws
Owners must keep pets under control using a leash in public places.
If your pet runs loose without proper restraint, authorities may fine you and take your animal to an animal shelter until you pick it up.[7]
Service animals in Utah can go almost anywhere their owners go — including restaurants, stores, housing, and schools — without extra fees or registration requirements.[8]
If you’re looking for coverage, it’s worth understanding how pet insurance works.
How to Pick the Right Utah Pet Insurance Company for You
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Finding the best pet insurance starts with understanding your specific needs and budget. With emergency vet bills frequently costing over $1,500, having insurance coverage becomes increasingly valuable for protecting your budget.
Follow these steps to make the best choice:
Understand your pet’s health risks. Consider your pet’s breed, age, and any existing health concerns. Purebred animals often face higher premiums due to genetic conditions.
Compare quotes from multiple companies. Get quotes from at least three different insurers to find the best rates for your situation.
Carefully review coverage limitations. Check waiting periods, annual limits, and exclusions.
Consider add-ons. Wellness plans can help with routine care costs, while some insurers offer unique benefits like lost pet advertising or alternative therapy coverage.
Read reviews from other Utah pet owners. Look for feedback from other Utah pet parents about claims processing and customer service experiences in your area.
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Pet Insurance Terms: A Full Glossary of Everything You Should Know
Find the Best Company for Your Furry Friend
Spot may be cheapest, but it won’t be right for every Utah pet parent.
Secure. Free. Easy-to-use.
4.7/5 (1,395+ reviews)
Utah Pet Insurance FAQs
Get answers to the most common questions Utah pet owners ask when searching for the best pet insurance coverage options and costs in the state.
What’s the best pet insurance in Utah?
It depends on your pet’s age and needs. Lemonade offers the most affordable rates for dogs, while Spot provides excellent value for cats. ASPCA works well for young pets, Figo is best for senior pets, and Healthy Paws provides unlimited coverage for maximum protection.
What is the average cost of pet insurance for dogs in Utah?
Pet insurance for dogs in Utah averages $41 per month. Cat pet insurance averages $22 per month. But factors like age and breed significantly affect your personal rates.
Is pet insurance expensive in Utah?
Not really. Pet insurance costs in Utah are similar to neighboring states, according to our research. Utah averages $492 annually for dogs and $264 annually for cats. Colorado, Wyoming, Idaho, and Nevada all have higher average rates.
Is pet insurance worth it in Utah?
Yes. Pet insurance provides financial protection against unexpected accidents and illnesses that are common in active pets who enjoy hiking, camping, and outdoor adventures.
What does pet insurance cover in Utah?
Most Utah pet insurance policies cover accidents, illnesses, emergency care, surgeries, diagnostic tests, and prescription medications. Many also include hereditary conditions, cancer treatment, and behavioral issues.
Methodology
Compare.com 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 Compare.com’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 8 quotes is required for dogs and 4 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%
Sources
- State of Utah. "INSURANCE AMENDMENTS."
- American Kennel Club. "What Is a Pre-Existing Condition in the World of Pet Insurance?."
- Suvas.com. "Licensing Information."
- ASPCA. "Pet Sterilization in State and Local Law."
- American Kennel Club. "State Issues March 2022."
- Jacob Gunter Personal Injury Attorney. "Dog Breed Exclusions in Utah Law."
- San Juan County. "Cat & Dog Ordinances."
- US Service Animals. "Emotional Support Animal & Service Animal Laws in Utah."
