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Find the Best Pet Insurance in Sioux City, IA

Pet insurance helps cover veterinary bills if your dog gets injured at Bacon Creek Dog Park or your cat gets a urinary tract infection. The Sioux City Journal has partnered with ConsumerAffairs to create this guide by comparing customer reviews and local availability of 18 providers and choosing six favorites from the top pet insurance companies in Sioux City.

Companies pay ConsumerAffairs to be authorized, and the Sioux City Journal and/or ConsumerAffairs may receive compensation when you click a link, call a number or fill out a form on this site.

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Compare Sioux City Pet Insurance Companies

How does pet insurance work in Iowa?

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When you first enroll in a pet insurance policy, there’s a waiting period until you can submit a claim, sometimes up to a month. Most pet insurance requires you to submit a claim each time an incident occurs. The company then reimburses you for the amount covered by your policy, once you meet the deductible for the year.

Reimbursement rates are typically between 70% and 90%, depending on your policy. For example, imagine you have a Lab with a gastrointestinal obstruction and it costs $2,000 to treat. If you have already met your deductible (usually between $0 and $1,000) and your reimbursement rate is 80%, then your pet insurance covers $1,600 and you only pay $400 out of pocket. Most policies have annual coverage limits between $2,000 and $10,000, though some are unlimited.

  • What pet insurance covers: In general, pet insurance covers treatments for accidents and illnesses that happen to your pet. Most plans cover congenital conditions, chronic conditions and dental problems. Some plans cover behavioral issues.
  • What pet insurance won’t cover: Pet insurance typically does not cover preexisting conditions or costs associated with breeding and pregnancy. It also doesn’t cover cosmetic procedures like tail docking or claw removal. Basic plans generally don’t cover preventive care, but add-ons are available to cover your pet’s routine visits.

Sample pet insurance costs in Sioux City

We asked Embrace Pet Insurance, Spot Pet Insurance and ASPCA Pet Health Insurance for a quote on what it would cost to insure a one-year-old male Labrador retriever with accident and illness coverage in Sioux City at the time of publishing:

  • Embrace Pet Insurance: $31.62 per month with a $5,000 annual payout limit, $300 deductible and an 80% reimbursement rate
  • Spot Pet Insurance: $36.23 per month with a $5,000 annual payout limit, $250 deductible and an 80% reimbursement rate
  • ASPCA Pet Health Insurance: $39.63 per month with a $5,000 annual limit, $250 deductible and a 90% reimbursement rate

Pet insurance companies in Sioux City provide free quotes, which are easy to obtain. Most ask for your pet’s name, whether it’s a dog or a cat, the sex and the breed. You also need to provide your name and location. You can then choose your plan details and compare prices.

Sioux City pet insurance FAQ

How much is a vet visit in Sioux City?

The average vet visit costs about $50 to $400. However, it can cost $1,000 or more for emergency or unexpected vet expenses.

Do any pet insurances cover preexisting conditions in Iowa?

No, pet insurance companies don’t cover preexisting conditions. However, just because your pet has a preexisting condition doesn’t mean you can’t sign it up for pet insurance.

What are common preexisting conditions in cats?

Common preexisting conditions in cats include allergies, asthma, cancer, chronic upper respiratory problems, diabetes, hyperthyroidism and urinary tract disease.

Are pet insurance companies regulated in Iowa?

The Iowa Insurance Division regulates all insurance business in Iowa.

Can you use pet insurance at any veterinarian in Sioux City?

Yes, you can use pet insurance at any licensed veterinarian in Sioux City. When you visit the vet, you pay for services and then submit a claim to get reimbursed by the insurance company.

Is pet insurance worth it?

As with most types of insurance, you hope you never need it, but you’re happy you have it if you do. It’s a good idea to get exact price quotes and speak with your vet about the average cost of care for a pet like yours.

Additional Sioux City pet resources

There are a variety of resources for pets and pet owners in Sioux City:

  • Siouxland Humane Society: Siouxland Humane Society is the only open-admission, full-service shelter in the area. The shelter cares for thousands of pets each year. It also provides spay/neuter services and vet and food assistance for pet owners. Siouxland Humane Society is located in downtown Sioux City at 1015 Tri View Ave., Sioux City, IA 51103.
  • Noah’s Hope Animal Rescue: Noah’s Hope Animal Rescue rescues and rehabilitates abused and unwanted dogs that need extra care and helps them find forever homes. Noah’s Hope Animal Rescue is located at 2601 Myrtle St., Sioux City, IA 51103.
  • Siouxland Animal Hospital: Siouxland Animal Hospital provides comprehensive care for all furry pets in Sioux City. It is open six days a week, including Saturday, and is on call 24/7 for emergencies. Siouxland Animal Hospital is located at 2030 Indian Hills Drive, Sioux City, IA 51104.
  • Sioux City Animal Control Facility: Sioux City Animal Control Facility is responsible for animal control and assists with adoption and rescue services. Sioux City Animal Control is located at 2400 Hawkeye Drive, Sioux City, IA 51105.

Sioux City pet insurance company information

ASPCA Pet Health Insurance

ASPCA Pet Health Insurance covers dogs and cats for accidents, illness, hereditary conditions and behavioral issues. Microchipping is also covered. Deductible options are $100, $250 and $500, with choices for 70%, 80% or 90% reimbursement. Preexisting conditions, cosmetic procedures and breeding costs are excluded. Accident-only and preventive care coverage are also available.

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Embrace Pet Insurance

Embrace Pet Insurance offers plans for dogs and cats. It covers accidents, illness, dental illness and work, breed and genetic conditions, cancer, chronic conditions and alternative therapies. You can add Wellness Rewards to reimburse costs for routine care, training and grooming. Dogs and cats up to age 14 can enroll in a full policy; older pets are eligible for accident-only plans. Embrace includes a 30-day money-back guarantee.

Embrace Pet Insurance

FIGO Pet Insurance

FIGO Pet Insurance offers three tiers of coverage for dogs and cats: the Essential, Preferred and Ultimate policies. Each is designed to fit the needs of different pet owners. All three plans cover accidents and illnesses. Depending on your plan, deductibles range from $100 to $750, and reimbursement rates are between 70% and 100%. Yearly payout limits start at $5,000. Figo plans cover prescription medications, alternative medicines, surgeries and more. FIGO policyholders get access to 24/7 support through a convenient mobile app.

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Spot Pet Insurance

Spot Pet Insurance offers accident-only and comprehensive plans for dogs and cats older than 8 weeks. Depending on the policy, reimbursement rates range from 70% to 90%, annual deductibles are between $100 and $500 and annual payout limits are $5,000 to $20,000 or unlimited. Spot covers behavioral issues, dental disease, hereditary and congenital conditions, illnesses and annual exams. Contact the company for a free quote.

Spot Pet Insurance Learn More

AKC Pet Insurance

AKC Pet Insurance covers cats and dogs. The comprehensive accident and illness coverage includes cancer, lab tests, X-rays, MRIs and CAT scans, surgery, hospitalization, broken bones, and teeth extractions, among many other things that happen to pets. Preexisting conditions, hereditary conditions and routine care are not covered. The plan also includes alternative therapies like acupuncture and physical therapy. You can customize your policy, or choose basic coverage with a $100 deductible, $500 incident limit, unlimited incidents and 20% coinsurance. Pets over age 9 can enroll in accidents coverage.

AKC Pet Insurance


24PetWatch enrolls puppies that are 8 weeks old to dogs up to 10, and kittens from 8 weeks old to cats up to 12. Plan deductibles range from $100 to $1,000. You pay 20% and insurance pays 80% of costs. Preexisting conditions are excluded. Coverage highlights include boarding expenses if you are hospitalized or your home is damaged, trip cancellation reimbursement if your pet’s emergency care interrupts your trip, and pet recovery expenses if your pet is lost. You can add wellness coverage for annual exams, dental cleanings and flea treatments.