The 5 Best Pet Insurance Companies in Boise City, Idaho

Getting pet insurance is one of the best things you can do to protect your furry friend’s health. Pet insurance helps pet parents in Boise City, Idaho pay for unexpected veterinary costs for their dogs and cats.

Instead of paying hundreds or even thousands of dollars out of pocket, pet insurance allows you to get reimbursed for a big portion of your vet bills.

But with so many pet insurance companies to choose from, how do you know which one is the best for your pet in Boise City?

This guide will compare the top 5 pet insurance providers for Boise City pet owners. We’ll look at what coverage they offer, how much they cost, and what customers have to say.

How We Chose the Best Pet Insurance for Boise City

We compared over 35 top pet insurance companies to find the best options for pet parents in Boise City.

Here are the factors we considered when reviewing each provider:

• Affordable monthly premiums: We got sample quotes for dogs and cats of different ages to compare costs. Companies with lower premiums scored higher.

• Comprehensive coverage: The best pet insurance plans cover accidents, illnesses, cancer, hereditary conditions, diagnostic tests, surgeries, and more.

• High reimbursement rates: The typical reimbursement rate is 70-90%. Companies that offer 80% or higher reimbursement scored better.

• Deductible options: We preferred companies with customizable annual deductibles from $100 to $1,000.

• Annual coverage limits: Plans with unlimited annual maximums provide the best coverage.

• Strong customer service: We researched reviews and complaints for each company. Those with positive customer experiences ranked higher.

Let’s take a look at the top 5 pet insurances providers for Boise City pet parents and dogs/cats.

1. Figo Pet Insurance

Figo emerged as the best provider for Boise City based on affordable pricing, flexible customization, and excellent coverage.

Some key highlights:

• Offers unlimited annual benefits on its Ultimate plan
• Customizable reimbursement rates from 70% to 100%
• Deductibles from $100 to $1,000
• Mobile app for easy claim submissions
• Covers alternative therapies like acupuncture

Figo has three plans to choose from:

Essential: Up to $5,000 annual coverage

Preferred: Up to $10,000 annual coverage

Ultimate: Unlimited annual benefits

All three plans reimburse between 70-100% of your vet bills after the deductible. You can also add preventive care coverage for an additional fee.

Here are some sample monthly costs for Figo pet insurance in Boise City:

Dog: 2 years old: $34-$63 per month8 years old: $44-$83 per month  Cat:2 years old: $16-$31 per month 8 years old: $25-$50 per month

Figo offers some of the most affordable premiums in Boise City while providing robust coverage options.

2. Pumpkin Pet Insurance

Pumpkin is another excellent choice for Boise City pet parents thanks to its comprehensive coverage and reputation for fast claim processing.

Some key details:

• Offers unlimited annual benefits
• Set reimbursement rate of 90%
• Deductible options from $100 to $500
• Simple mobile app for managing your policy
• Average claims processing time is just 2 days

Pumpkin provides a straightforward accident and illness plan that reimburses 90% of your vet bills after the deductible. You can also add preventive care coverage.

Here are estimated monthly costs for Pumpkin pet insurance in Boise City:

Dog:  2 years old: $38-$56 per month8 years old: $49-$77 per monthCat: 2 years old: $17-$25 per month8 years old: $23-$41 per month 

With quick claims processing and robust coverage, Pumpkin is a great choice for Boise City pet parents. The prices are very affordable too.

3. Lemonade Pet Insurance

Known for its excellent customer service, Lemonade is a top pick for Boise City pet insurance shoppers who want a streamlined claims experience.

Some highlights:

• Reimbursement rates from 60-90%
• Deductible options from $250 to $2,500
• Annual coverage limits up to $100,000
• Claims processed in as little as 3 minutes with AI technology
• Pet parents rate Lemonade’s customer service very highly

Lemonade offers one comprehensive accident and illness plan. You can customize the reimbursement rate, deductible, and annual limit.

Here are estimated monthly costs with Lemonade in Boise City:

Dog:2 years old: $35-$60 per month 8 years old: $45-$85 per monthCat: 2 years old: $15-$30 per month8 years old: $20-$45 per month

With fast claims processing and excellent customer satisfaction ratings, Lemonade is worth considering for Boise City pet insurance.

4. Embrace Pet Insurance

Embrace emerged as a top pick for Boise City pet parents who want a provider with an excellent reputation and robust coverage.

Highlights include:

• Reimbursement rates from 70-90%
• Deductible options from $200 to $1,000
• Annual maximums up to $30,000
• Covers alternative therapies like acupuncture
• High customer satisfaction ratings across review sites

Embrace offers one flexible accident and illness plan. You can customize it to meet your budget and needs.

Here are estimated monthly premiums with Embrace in Boise City:

Dog: 2 years old: $43-$73 per month8 years old: $57-$97 per monthCat:2 years old: $23-$43 per month  8 years old: $28-$58 per month

With comprehensive coverage options and consistently positive customer feedback, Embrace is a strong choice for Boise City pet parents.

5. Pets Best Pet Insurance

Pets Best is an affordably-priced option worth considering for budget-conscious Boise City pet owners.

Some highlights:

• Reimbursement rates from 70-90%
• Deductible options from $50 to $1,000
• Annual maximums up to $20,000
• Optional wellness plan available
• Low starting prices for accident-only plans

Pets Best offers accident-only and accident and illness coverage. You can also add preventive care coverage.

Here are estimated monthly costs with Pets Best in Boise City:

Dog:2 years old: $20-$50 per month  8 years old: $30-$70 per monthCat:  2 years old: $15-$25 per month8 years old: $20-$40 per month

With rock-bottom pricing and solid coverage options, Pets Best is a smart choice for budget-friendly coverage in Boise City.

What’s the Best Pet Insurance for You?

While Figo, Pumpkin, Lemonade, Embrace, and Pets Best are great options for Boise City pet parents, you should get quotes from multiple providers before choosing a plan.

Every dog and cat has different health risks based on breed, age, and other factors. Comparing personalized quotes is the best way to find the right pet insurance for your pet.

To get a recommendation tailored to your pet and compare quotes from top providers:

1. Use Pawlicy Advisor. This free tool asks you a few quick questions about your pet and provides custom quotes from leading pet insurances. It only takes 2 minutes.

2. Compare coverage details. Make sure you understand what each plan does and doesn’t cover. Look for exclusions or limitations.

3. Consider lifetime value. Choosing the cheapest plan doesn’t always save you money long-term as premiums increase. Compare lifetime cost estimates when available.

4. Read reviews. Check ratings and customer feedback for each company to gauge customer satisfaction.

5. Ask about discounts. Many providers offer multi-pet discounts. Others have discounts for military members or certain associations.

No two pets are alike, so the perfect pet insurance company for your dog or cat depends on their unique needs and risks. Follow the tips above to find the right plan for your budget and peace of mind.