Expertise.com
2024

Last updated:

Best Pet Insurance Companies in Des Moines

Our Recommended Top 5

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Des Moines Pet Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

3709

Reviewed

2227

Curated

5

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
250 12th Ave, Ste 150, Coralville, IA 52241
  • Policy Bundle Discount

Why choose this provider?

Adam Mangold is an Allstate insurance agent who serves Des Moines and the surrounding areas. He offers various risk management solutions, including pet insurance. This helps clients pay for their cats' and dogs' hospitalization and surgery expenses. He also writes policies that cover routine care services such as vaccinations, dental cleaning sessions, and yearly checkups. Mangold, who also offers home, renters', condo, and business insurance, has more than 25 years of experience in the industry.

License Verified:

License: 6903852

Iowa Insurance Division

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.4 / 5 (48)
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1112 West Street, PO Box 684, Grinnell, IA 50112
  • Policy Bundle Discount

Why choose this provider?

Brent Nickel operates a State Farm insurance agency that serves clients in Des Moines. He offers pet insurance policies that reimburse owners for medical expenses when an accident or an unexpected illness threatens their animal companions. Brent has been a State Farm insurance agent since 2011, providing insurance products for homes, automobiles, businesses, and properties. He has earned the RICP and Chartered Financial Consultant designations from The American College. Brent is also a member of the National Association of Insurance and Financial Advisors.

License Verified:

License: 16347364

Iowa Insurance Division

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (26)
Facebook
5.0 / 5 (8)

Website
711 N Jefferson Way, Indianola, IA 50125
  • Accident Only

Why choose this provider?

Central Iowa Insurance Services provides coverage for health costs of pets owned by Des Moines residents. Its pet insurance products are carried by providers such as MetLife, Nationwide, and Progressive. Their policies provide furry family members with protection in cases of unplanned veterinary expenses due to illnesses and accidents. They also cover hospital stays, surgeries, chronic conditions, and alternative therapies. Progressive offers a 24/7 helpline where veterinary experts answer pet parenting inquiries. Owner Carrol Isley acquired the company in 2000.

License Verified:

License: 6850659

Iowa Insurance Division

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.6 / 5 (22)
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
207 E Church St, Marshalltown, IA 50158
  • Policy Bundle Discount

Why choose this provider?

Jeff Linton, a State Farm agent, caters to individuals and families in the Des Moines area. He offers pet medical plans via Trupanion for injured or sick canines and felines. This policy covers dogs of any breed and their checkup at any time of the day. The insurance is also available to cats, whether they are kittens or seniors. His other products include auto, business, health, life, and property insurance. His team is able to communicate with clients in Spanish.

License Verified:

License: 8793518

Iowa Insurance Division

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.9 / 5 (64)
Facebook
4.7 / 5 (60)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4229 Fleur Drive, Des Moines, IA 50321
  • Multiple Carriers

Why choose this provider?

Brad Van Meter offers pet insurance policies to residents of Des Moines and the surrounding areas. He is an insurance agent who works for State Farm, a company that has been helping clients with their personal and business insurance needs for over 100 years. In addition to pet insurance, Brad assists people in finding insurance policies to protect their homes, cars, and properties. He also aids business owners in securing their financial future through business insurance plans.

License Verified:

License: 268690

Iowa Insurance Division

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.6 / 5 (37)

Frequently Asked Questions

  • Do all veterinarians in Des Moines accept pet insurance?

    In Des Moines, pet insurance operates as an indemnity insurance model. Veterinarians don't need to directly accept your insurance; instead, policyholders settle vet bills upfront and later file a claim. The insurer then reimburses a portion of the bill after deducting the co-pay and deductible. As long as the veterinarian is licensed in the country, you can choose any in Des Moines. Some policies even extend coverage to veterinarians licensed in Mexico and Canada, offering flexibility and options for pet owners seeking care beyond borders.

  • What factors affect how much your pet insurance will cost in Des Moines?

    The major factors considered by Des Moines insurers when calculating pet insurance premiums are the pet's species, breed, age, and residence. Cat insurance is less expensive than dog insurance. The older the pet, the more expensive the insurance. Some breeds are more susceptible to health issues, which means more claims. Policies for those breeds will be more expensive. Your address is also important because veterinary care prices vary by location.

  • Do pet insurance policies in Des Moines cover pre-existing conditions?

    No, most pet insurance policies do not cover pre-existing conditions. A pre-existing condition is typically defined by insurers as an illness or injury that the pet contracted, or that occurred or presented symptoms prior to the policy's effective date or during the policy's waiting period. Some Des Moines insurers provide coverage for curable pre-existing conditions if the condition has been cured, symptom-free, and has not required treatment for a specified period of time.

  • Can you make a claim against your pet insurance in Des Moines right after enrolling your pet?

    No, almost all Des Moines pet insurance companies impose a waiting period after the effective date of a policy during which no claims will be paid. The typical wait time is 14 to 15 days. Most insurers impose a separate waiting period for accident claims, which is usually shorter than the standard. Meanwhile, some insurers will impose a longer waiting period before paying claims for certain pet conditions, such as cruciate ligament injuries and hip dysplasia.

  • Is euthanasia covered by pet insurance in Des Moines?

    Spot, Trupanion, and Embrace are three insurers in Des Moines that cover pet euthanasia. This service is only covered if recommended by a licensed veterinarian. It should be noted that some insurers will only cover euthanasia if the need arises as a result of a covered condition. Accident-only pet insurance, for example, will only cover euthanasia if the vet recommends it as a result of the pet's accident injuries. It will not pay for euthanasia because of a pre-existing condition.