The Best Pet Insurance in Utah (2024)
Your pet is a beloved member of the family. However, it can be difficult to pay for its healthcare when health issues arise. Unexpected accidents and illnesses can cause great financial strain on the average family. In fact, pet owners spent around 31.4 billion dollars in the U.S. on vet care and product sales alone in 2020.
Purchasing pet insurance can be the most important thing you do as a pet owner to ensure your furry friend gets access to all the healthcare it needs. Depending on the plan you choose, coverage can include accidents, illnesses, and wellness care.
The 5 Best Utah Pet Insurance Companies
We’ve taken a look at companies that provide pet insurance in Utah and narrowed the providers down to the top six contenders. Read on to find out the specifics about what these following companies provide:
- Spot: Best overall
- ASPCA: Most experienced
- Embrace: Best for deductibles
- Healthy Paws: Best for chronic conditions
- Prudent Pet: Best for dog and cat parents who want basic options
Compare Pet Insurance Companies in Utah
| Best For | Star Rating | Monthly Cost | Link | ||
|---|---|---|---|---|---|
| Spot |  | Most Inclusive | $22-$80 | Compare Quotes | |
| ASPCA Pet Insurance |  | Most Experienced | $18–$44 | Compare Quotes | |
| Embrace |  | Best for Discounts Offered | $23-$85 | Compare Quotes | |
| Healthy Paws |  | Best for Chronic Conditions | $24–$54 | Compare Quotes | |
| Prudent Pet |  | Best for dog and cat parents who want basic options | $18-$29 | Compare Quotes |
| Spot | |
|---|---|
| Logo |
 |
| Best For | Most Inclusive |
| Star Rating | |
| Monthly Cost | $22-$80 |
| ASPCA Pet Insurance | |
|---|---|
| Logo |
 |
| Best For | Most Experienced |
| Star Rating | |
| Monthly Cost | $18–$44 |
| Embrace | |
|---|---|
| Logo |
 |
| Best For | Best for Discounts Offered |
| Star Rating | |
| Monthly Cost | $23-$85 |
| Healthy Paws | |
|---|---|
| Logo |
 |
| Best For | Best for Chronic Conditions |
| Star Rating | |
| Monthly Cost | $24–$54 |
| Prudent Pet | |
|---|---|
| Logo |
 |
| Best For | Best for dog and cat parents who want basic options |
| Star Rating | |
| Monthly Cost | $18-$29 |
*Certain conditions, such as cruciate ligaments or orthopedic conditions, may have longer waiting period times, usually six months to a year. This is common among many pet insurance providers, but most illnesses will be covered after the waiting period listed above.
Pet Insurance Companies in Utah Reviews
Pet insurance coverage varies from state to state – even within the same company – so you must look at the specifics for your state when shopping for pet insurance. Keep reading to see how the different plans compare to each other in Utah in terms of coverage, monthly costs, average annual deductibles, spending caps, available discounts, and ease of submitting claims.
Spot
Most Inclusive
ASPCA Pet Insurance
Most Experienced
Embrace
Best for Discounts Offered
Healthy Paws
Best for Chronic Conditions
Prudent Pet
Best for dog and cat parents who want basic options
How Does Pet Insurance Work in Utah?
The good thing about pet insurance in Utah is that you are reimbursed directly instead of the vet’s office (like in human health insurance), so you are free to go to any licensed veterinarian you choose. The amount of money you receive back from your claims will depend on your preselected coverage, usually somewhere between 60-90% of your out-of-pocket costs.
The method of submitting your claim will vary from insurance provider to provider but generally will be via one of the following methods: mobile app, online, mail, or fax. Keep this in mind when shopping around. Easy-to-use apps can really help you use your pet’s insurance to its fullest benefit. Once your claim is processed and approved, your insurer will either submit a check to you in the mail or deposit it directly in your bank account.
How To Choose the Best Pet Insurance in Utah for You
Our list above breaks down the best insurance we’ve found. However, only you know which one fits your pet’s needs best. Consider how often your pet has visited the vet over the years. Is great wellness coverage more important, or do you need to spend more on illness coverage? Do you have an emergency fund to dip into while waiting for your claim to be processed, or is fast claim turnaround more important?
Think about your ideal budget and find the plan that works best for you. Other important considerations to keep in mind are the ease of submitting and checking on a claim, the annual reimbursement caps, the amount of your deductible, and the percentage in which you will be reimbursed. Luckily, you’ve got some great options to choose from that will be sure to fit your needs.
How Much is Pet Insurance in Utah?
Now that you know what insurance is available to you let’s consider how much it will cost. We’ve included the average prices broken down by type of pet for all six pet insurance providers. Keep in mind that certain variables will affect your price, such as your pet’s age, breed, gender, and species. Some companies charge a little more for older pets and pets more prone to certain hereditary conditions. Also, the extent of wellness coverage and base level coverage you choose all play a part in your total cost. All in all, this gives you an easy way to compare the average monthly cost of pet insurance providers across the board to help you determine which one is right for you.
| Provider | Sample Monthly Cost For Dogs | Sample Monthly Cost For Cats | Sample Monthly Wellness Cost |
|---|---|---|---|
| Spot | $40 | $22 | $9.95 – gold |
| $24.95 – platinum | |||
| Lemonade | $37 | $15 | $10 for cats |
| $15 for dogs | |||
| Embrace | $35 | $18 | $35 |
| Healthy Paws | $39 | $12 | Not offered |
| ASPCA | $49 | $29 | $9.95 – basic |
| $24.95 – prime | |||
| Prudent Pet | $39 | $23 | $7.95-19.95 for cats |
| $11.95-29.95 for dogs |
Where you live in Utah does make a difference in your monthly cost. According to our data pulled from the Petplan website, dog owners residing in Park City and Salt Lake City pay the most, and the rest of the state seems about the same. The following quotes are for $15,000 annual coverage, $300 annual deductible and 80% reimbursement, 3-year-old mixed breed dog, 21-70 pounds. Puppies, senior dogs, and large dogs can all change the price.
| City | Monthly Cost* |
|---|---|
| Salt Lake City | $45.20 |
| Ogden | $32.72 |
| Park City | $53.52 |
| Provo | $32.72 |
| Logan | $32.72 |
Final Thoughts
The pet insurance industry has been steadily growing in the U.S. as millions of pet owners realize the importance of insuring their pets. In fact, the pet insurance market saw an annual growth of around 24% from 2016 to 2020, and we predict that number will continue to rise. It’s not a matter of if health issues will arise for your pet, but when. It only makes sense to be prepared for whatever comes your furry friend’s way. Purchasing pet insurance is a smart, solid investment that will more than pay for itself for years to come when you carefully select your plan.
Information for Pet Owners in Utah
Owning a pet in the Beehive State is a fun endeavor for the whole family. With loads of hiking trails and national parks, pet-friendly lodging accommodations, and even soothing spa facilities to pamper your pet, it’s no wonder so many residents of Utah choose to add a pet to their family. Here’s the nitty-gritty on what pet laws exist in Utah, some unique adventures to enjoy with your pet, and a list of resources available for you.
Utah Pet Laws
Whether you’re a lifelong resident of Utah or visiting for a while, there are several laws to keep in mind if you’re a pet owner. Strict laws exist in Utah prohibiting animal cruelty and fighting. Aggravated cruelty offenses have very stiff punishments as well. There are also laws prohibiting cities from placing any breed-specific regulations on dogs which can provide a little peace of mind if your fur baby’s breed has a bad rap. Leash laws in Utah require you to place a leash on your dog when off your property. Lastly, you, the pet owner, are liable for any damage inflicted by your pet on others.
Fun Things to Do With Your Pet in Utah
Utah is known for its skiing, natural parks, and pristine salt lakes. All of this crisp air and wide-open spaces create an environment that your pet will thrive in. Perhaps, your dog will enjoy trekking through one of the many trails the Beehive State offers. Leash requirements differ from park to park, so if being free is important to your pet, you may need to do your homework first. If you’re in Southern Utah, look up Dreamland Safari Tours to see what all this pet-friendly outdoor adventure company provides. Be sure to schedule a tour at the canyons to cool off on a hot day.
Utah Pet Resources
- Ruff Haven Crisis Sheltering: This organization provides up to 90 days of emergency pet sheltering for people going through hard times. There is no charge to the pet owner, and fostered pets are spayed/neutered, vaccinated, groomed, and microchipped at this time, if needed, as well.
- Humane Society of Utah: The Humane Society offers preventative care services and assistance for families in need at their facilities only. They ask that you know your pet’s medical diagnosis beforehand.
- Best Friends Pet Food Pantry: Located in Salt Lake City, this food pantry provides pet food to low-income residents.
- Street Dawg Crew of Utah: This nonprofit organization provides pet food to homeless and low-income populations. It also helps with getting your pet spayed or neutered.
Our Methodology
Other Pet Insurance Resources
-
Does Pet Insurance Cover Hip Dysplasia?
-
How Much Does Dog Pancreatitis Treatment Cost?
-
Does Pet Insurance Cover Prescription Pet Food?
-
Best Pet Insurance Plans for Multiple Pets (2024 Review)
-
Best Pet Insurance Plans with No Waiting Period (2024)
-
Does Pet Insurance Cover Dental?
-
Best Cheap Dog Insurance Plans (2025 Review)
-
The Best Pet Insurance Companies of April (2025)
-
Pet Insurance Cost: The Definitive 2025 Guide
