Pet Insurance in Des Moines and Clive, Iowa
Your pet is family, and vet bills can add up fast. Absolute Insurance Agency, an independent agency in Clive, Iowa, works with three pet insurance carriers to find coverage that fits your family and your dog or cat. As of 2023, 66 percent of US households own a pet, and we help Des Moines metro pet parents protect them without the surprise costs.
What does pet insurance cover?
Pet insurance helps pay for your pet's medical care, from accidents and illnesses to wellness visits, depending on the plan. Because Absolute is independent, we compare three carriers so you can match the coverage and the reimbursement style to your budget.
Figo Pet Insurance
Figo provides health insurance for your dog or cat that covers illnesses and injuries, including care from veterinarians, ERs, and specialists, and you can use any licensed veterinarian in the US or Canada. Figo covers hereditary and congenital conditions, and may even cover curable pre-existing conditions if your pet shows no signs or symptoms within 12 months of the last treatment. You submit claims through Figo's Pet Cloud app, and most claims close in less than three business days. Figo also includes free 24/7 Live Vet access to licensed veterinary professionals, with optional add-ons for wellness care and vet exam fees. Learn more at figopetinsurance.com.
Nationwide Pet Insurance
Nationwide provides protection for everyday care, emergencies, and more, with up to 90 percent back on vet bills and the freedom to use any vet. Coverage varies by plan and may include accidents like broken bones, poisonings, and foreign body ingestions, illnesses like ear infections, vomiting and diarrhea, and cancer, and wellness services like annual exams, vaccinations, and flea and heartworm preventive. You pay at the time of service and submit a claim from any device, with reimbursement for eligible expenses sent straight to your bank account. Learn more at petinsurance.com.
Liberty Mutual (formerly Safeco)
Liberty Mutual now offers the pet coverage formerly branded as Safeco, with three plan types so you can choose how much protection you want: Accident, Accident and Illness, and Accident, Illness, and Wellness. Accident plans cover injuries, foreign object ingestion, and accidental death. Adding Illness covers conditions like cancer and kennel cough, plus hereditary and congenital conditions, alternative medicine, and behavioral therapy. The Wellness tier adds routine care like exams, dental cleaning, vaccinations, and flea and heartworm prevention. You choose your reimbursement level up to 90 percent, your deductible, and your annual maximum, with policies starting at less than a dollar a day and stackable discounts up to 20 percent. Wellness reimbursements are based on a schedule. Learn more at libertymutual.com/pet-insurance.
Why use an independent agency for pet insurance?
Instead of one company's plan, Absolute Insurance compares Figo, Nationwide, and Safeco side by side, so you can weigh coverage, reimbursement, and cost and pick what fits your pet best. We help you understand the differences in plain language.
Get a pet insurance quote
Have a dog or cat you would like to insure? Call Absolute Insurance at 515-279-2722, email service@insaia.com, or request a quote online, and we will compare our pet carriers to find the right coverage at a competitive price.
Frequently asked questions
Absolute Insurance works with three carriers—Figo, Nationwide, and Liberty Mutual (formerly Safeco)—and compares them to find the plan that best fits your pet and budget.
It depends on the carrier. Nationwide and Liberty Mutual generally do not cover pre-existing conditions, while Figo may cover a pre-existing condition considered curable if your pet shows no signs or symptoms within 12 months of the last treatment. An Absolute agent can explain each carrier's rules.
Yes. These plans let you use any licensed vet, and some, like Figo, extend to any licensed veterinarian in the US or Canada. You pay at the time of service and submit a claim for reimbursement.
