Get the Best Pet Insurance in Iowa in 2025

Sponsored by Figo Pet Insurance

Are you a pet owner in Iowa trying to navigate the maze of pet insurance options? With so many plans, coverage details, and extras to consider, it can feel overwhelming to figure out which policy offers the right balance of protection and affordability for your furry friend.

This guide is here to make things easier. We’ll break down pet insurance in Iowa, including the types of plans available, average costs, and some health issues that pets in the Hawkeye State might face. By the end, you’ll be ready to choose a plan that meets your pet’s needs while giving you peace of mind.

Summary: Best Iowa 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 12/12/2024 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 Iowa?

According to our research, Iowa pet insurance costs an average of $31 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 $49 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 Iowa cities: Des Moines, a major urban center, and Coralville, an average-sized city for the state.

It's important to note that your own Iowa 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 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 Iowa

Per our research, the average cost of pet insurance for a medium-sized mixed breed dog in Iowa is $31 per month*. This is based on a policy with $5,000 of annual pet insurance coverage, a $250 deductible, and an 80% reimbursement level. A policy offering unlimited annual coverage, with a deductible of $250 and an 80% reimbursement rate, costs $49 monthly.

Cost of Pet Insurance in Iowa 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 Iowa:

Cost of Pet Insurance for Cats in Iowa

Pet insurance for cats is significantly cheaper than dog insurance in Iowa. The average monthly cost for cat insurance in the state ranges from $10 to $35, depending on factors such as age, annual coverage, breed, deductible, plan type, and reimbursement amount**.

Cost of Pet Insurance in Iowa 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 Iowa pet insurance, here are the average monthly rates for these breeds:

Cost Comparison for Pet Insurance Companies in Iowa

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 owners 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 Iowa

Iowa’s mix of rural landscapes and seasonal weather creates unique risks for pets that pet parents should consider when choosing insurance. The state’s hot summers and cold winters can lead to heatstroke, dehydration, or frostbite, making weather-related care an important factor.

Mosquitoes in Iowa spread heartworm disease, while ticks are common carriers of Lyme disease and anaplasmosis, especially during warmer months. Preventive care is essential to keep pets healthy year-round.

Blue-green algae blooms in Iowa’s lakes and ponds pose a hazard to pets that swim or drink from these waters. Additionally, canine influenza outbreaks have been reported in the state, making vaccinations a helpful preventive measure.

Selecting a pet insurance plan with comprehensive coverage ensures your pet is protected from these risks, including routine and emergency care, so you can enjoy peace of mind no matter the season.

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

• 24/7 vet helpline. Access to a 24-hour veterinary helpline for immediate advice on emergency care or general health questions can be incredibly valuable. In Iowa, where weather and environmental hazards can pose risks to pets, this is particularly important.
• 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. While veterinary costs in Iowa are generally lower than in many other states, having coverage for exam fees can lead to significant long-term savings.
• Multi-pet discount. If you have multiple pets, look for providers that offer discounts for insuring more than one pet.

Iowa Pet Laws

From the iconic bridges of Madison County to the vibrant streets of Des Moines, Iowa is a state that values responsible pet ownership and public safety. Whether you’re in a bustling city or a rural community, here are the key pet laws for cat and dog owners in Iowa:

• Rabies vaccination and reporting. All dogs and cats must be vaccinated against rabies. Pet owners are also required to report any dog or cat bites or attacks to local health or law enforcement authorities.
• Dog licensing. Dogs over six months old must wear a collar with a valid rabies vaccination tag. Dogs without a tag are not considered property and can legally be killed. Licensed dogs caught harming domestic animals or attacking people can also be killed.
• Dangerous dogs. Dog owners are liable for damages if their dog worries, maims, or kills domestic animals, or attacks or attempts to bite a person. Exceptions apply if the injured party was committing an unlawful act or contributed to the injury.
• Animal cruelty. Failing to provide proper food, water, shelter, or veterinary care is considered cruelty or neglect under Iowa law. Violations can lead to misdemeanor or felony charges, including mandatory psychological evaluation for animal torture.
• Leash laws and impoundment. While there’s no statewide leash law, cities and counties can establish their own. Dogs running at large without a valid rabies vaccination tag can be impounded and may be euthanized if unclaimed within seven days.

Des Moines Pet Laws

Home to the stunning Pappajohn Sculpture Park and the vibrant Des Moines Art Center, Iowa’s capital city enforces pet laws to ensure harmony between animals and the community. Here’s what pet owners in Des Moines need to know:

• Dog licensing and registration. Owners of dogs over six months old must apply for a license annually by January 1. Licenses can be obtained from the City Clerk, their designee, or approved businesses, which may charge a service fee.
• Leash laws and designated off-leash areas. Dogs must be leashed when off their owner's property, except in a designated off-leash area within a city dog park. Owners must keep their dogs within physical control and follow posted rules in these areas.
• High-risk dog regulations. Dogs classified as "high risk" due to breed or behavior must be securely confined in a house or locked pen. When outside these areas, they must be leashed (no longer than six feet). Owners must also maintain liability insurance of at least $100,000.
• Microchipping requirements. All impounded dogs and cats must be microchipped before being released. The city provides microchipping services for a fee at the animal shelter to aid in identification and reunification.

Cedar Rapids Pet Laws

With its unique "City of Five Seasons" charm and landmarks like the Cedar Rapids Museum of Art, this Iowa city is dedicated to fostering a safe and enjoyable environment for pets and residents alike. Here are some specific pet laws that pet parents in Cedar Rapids should keep in mind:

• Rabies vaccination and identification. All cats and dogs over four months old must be vaccinated against rabies. Pets must wear a collar with a valid rabies tag when off their owner’s property or be microchipped and registered to the owner.
• Animal confinement and leash laws. Pets cannot run at large. Dogs must be leashed with a leash no longer than six feet and under control when off their owner’s property. Exceptions include pets in vehicles, veterinary clinics, licensed facilities, or designated off-leash areas with a permit.
• Potentially dangerous and dangerous animals. Cedar Rapids bans the ownership of wild, exotic, or dangerous animals. Pets that exhibit aggression or have a history of attacks may be classified as potentially dangerous, requiring confinement, microchipping, spaying/neutering, and possibly behavior modification programs.
• Animal noise and nuisance. It’s unlawful for an animal to create excessive noise that disturbs the peace for over 15 minutes in an hour, documented by three separate episodes in a week. Repeated violations can result in warnings, fines, or impoundment.

Davenport Pet Laws

Known for its scenic riverfront along the Mississippi and attractions like the Figge Art Museum, Davenport, Iowa, enforces animal laws to ensure a safe and welcoming environment for residents and their furry companions. Here’s what pet owners in Davenport should know:

• Licensing and rabies vaccination. All dogs and cats must be licensed within 30 days of their initial rabies vaccination and renewed annually within 30 days of the vaccination date. Proof of current rabies vaccination is required. Licenses can be purchased from the humane society or participating licensed veterinarians.
• Leash law and confinement. Pets must not run at large within city limits. Dogs must be on a leash no longer than six feet and under the control of a competent person when off their owner’s property.
• Waste disposal. Pet owners must immediately clean up after their animals on public property, common areas, streets, sidewalks, parks, or private property (unless permitted by the owner). Waste must be properly disposed of in appropriate containers.
• Dangerous and vicious dogs. Vicious dogs must be kept in secure enclosures or on a run line within a fenced area that meets specific requirements. When outside the enclosure, they must be muzzled and leashed, with the leash held by an adult. Owners must also post warning signs on their property and carry liability insurance.

Common Pet Risks in Iowa

Iowa’s varied landscape and seasonal weather present unique risks for pets. Whether exploring the outdoors or staying close to home, Iowa pet parents should be aware of these challenges throughout the year.

• Heartworm disease. Mosquitoes are active in Iowa during warmer months and can transmit heartworm, a potentially fatal disease for dogs and cats. Monthly heartworm prevention is essential to protect pets from this serious condition.
• Tick-borne illnesses. Iowa’s wooded and grassy areas are home to ticks that carry diseases like Lyme disease and anaplasmosis. Pets that spend time outdoors are at higher risk, so regular tick checks and preventative treatments are essential for their health.
• Blue-green algae blooms. Lakes and ponds in Iowa can experience harmful algal blooms during the summer, which produce toxins that are dangerous if ingested. Keeping pets away from water with visible algae is the best way to avoid exposure.
• Canine influenza. Outbreaks of canine influenza have been reported in Iowa in recent years, particularly in areas with high dog populations. Vaccinating your dog and limiting contact with sick animals can help reduce the risk of infection.
• Extreme weather. Iowa’s hot summers and cold winters pose seasonal threats to pets. Heatstroke and dehydration are common in the summer, while frostbite and hypothermia can occur during the winter. Providing water, shade, and appropriate shelter is key to keeping pets safe.

Veterinary Costs in Iowa

According to Banfield Pet Hospital's Price Estimator, the average cost for a vet visit in Iowa is $64. 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 Iowa

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 Iowa:

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 Iowa. However, we recommend conducting your own research, speaking to a licensed vet, and considering your budget and your pet's specific needs before deciding on a pet insurance provider.

Best Pet Insurance in Iowa 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