Best Pet Insurance in Pennsylvania
Pet owners in Pennsylvania have a variety of pet insurance options to consider. This guide highlights some of the top providers, helping you find the best fit for your needs and budget.
Our Expert Picks
Here are some of the best pet insurance companies in Pennsylvania:
- Pets Best
- Embrace
- Healthy Paws
- Figo
- Lemonade
Compare the Best Pet Insurance Companies in Pennsylvania
The following table provides a comparison of the best pet insurance companies in Pennsylvania:
Rates are based on plans with unlimited annual coverage, a $250 deductible, and 80% reimbursement, or the closest option available. Source: Forbes Advisor research.
The Best Pet Insurance Companies in Pennsylvania
Forbes Advisor evaluated pet insurance companies based on cost, features, ease of use, customer service, and other factors. All ratings are determined by the editorial team.
Pets Best
- Maximum annual coverage: $5,000 or Unlimited
- Average monthly cost for Unlimited coverage: $42 for dogs; $23 for cats
- Deductible choices: $50, $100, $200, $250, $500, or $1,000
Our Expert Take: The Pets Best Plus plan deserves consideration because of its solid coverage at good prices for unlimited annual coverage.
Pros & Cons:
- Dental illnesses and end-of-life costs are included.
- Access to a 24/7 pet telehealth line can help with late-night health problems.
- Covers basic vet exam fees.
- The Plus plan will not cover alternative treatments like hydrotherapy, but the Pets Best Elite plan will cover acupuncture and chiropractic treatment if the pet needs rehabilitation.
- 6-month waiting period before coverage for cruciate ligament issues.
Embrace
- Maximum annual coverage: $5,000, $8,000, $10,000, $15,000, or Unlimited
- Average monthly cost for Unlimited coverage: $64 for dogs; $35 for cats
- Deductible choices: $100, $250, $500, $750, or $1,000
Our Expert Take: Embrace deserves a look because of its wide range of coverage benefits.
Pros & Cons:
- Benefits include coverage for dental illness, alternative and behavioral therapies, and stem cell treatment.
- 24/7 pet telehealth line and optional wellness plan.
- Covers vet exam fees.
- Embrace has a waiting period of 6 months for coverage of orthopedic problems, which can be waived if the pet has an orthopedic exam after you purchase a plan.
Healthy Paws
- Maximum annual coverage: Unlimited
- Average monthly cost for Unlimited coverage: $39 for dogs; $15 for cats
- Deductible choices: $100, $250, $500, $750, or $1,000
Our Expert Take: Take a look at Healthy Paws for its unlimited annual coverage at a lower-than-average cost.
Pros & Cons:
- Covers cremation and other end-of-life costs.
- Has a 24/7 pet telehealth line.
- Choices for deductibles and reimbursement levels are tied to the pet’s age and other factors, but Healthy Paws does not disclose the exact deductible rules.
- You have to get a quote to find out your choices.
- No wellness or routine care coverage for costs like vaccinations.
- Doesn’t cover vet exam fees.
Figo
- Maximum annual coverage: $5,000, $10,000 or Unlimited
- Average monthly cost for Unlimited coverage: $53 for dogs; $22 for cats
- Deductible choices: $100, $250, $500, $750, $1,000, or $1,500
Our Expert Take: Take a look at Figo if you want a 100% reimbursement option and coverage for dental accidents and illnesses.
Pros & Cons:
- Dental illnesses are covered, such as periodontitis.
- Optional wellness plan available.
- Includes access to a 24/7 pet telehealth line.
- You’ll have to pay extra if you want coverage for basic vet exam fees.
- 6-month waiting period for orthopedic treatment, but it can be waived if your veterinarian signs an orthopedic condition waiver within the first 30 days of the policy.
Lemonade
- Maximum annual coverage: $5,000, $10,000, $20,000, $50,000, or $100,000
- Average monthly cost: $29 for dogs; $18 for cats
- Deductible choices: $100, $250, $500, or $750
Our Expert Take: We like Lemonade for its very competitive rates, but note that many coverage types are only available at extra cost.
Pros & Cons:
- Multipet discount.
- Optional wellness plan available.
- Has live chat for pet health questions 7 days a week.
- Many coverage benefits are only available as add-ons for extra cost.
- 6-month waiting period for coverage of cruciate ligament problems.
How Much Does Pet Insurance Cost in Pennsylvania?
Pet insurance in Pennsylvania costs an average of $46 for a dog and $24 per month for a cat for a policy with $5,000 of annual coverage, a $250 deductible and 80% reimbursement level. A policy with unlimited annual coverage, a $250 deductible, and 80% reimbursement level costs an average of $70 per month for a dog and $35 per month for a cat in Pennsylvania.
Cost of Pet Insurance for Dogs in Pennsylvania
Cost of Pet Insurance for Cats in Pennsylvania
How To Find the Best Pet Insurance in Pennsylvania
When choosing pet insurance, consider these features:
- 24/7 Vet Helpline: Many insurers offer a 24/7 helpline.
- Direct Vet Payments: Some companies pay vets directly.
- Routine Care: Consider a wellness plan for preventive care.
- Multi-Pet Discount: Look for discounts if you have multiple pets.
- Waiting Periods: Understand each company’s waiting period rules.
- Vet Exam Fees: Check if exam fees are covered.
Veterinary Costs in Pennsylvania
The average vet visit cost in Pennsylvania is $46 for dogs. Costs can be higher depending on the services needed. The following table shows average costs in select cities.
Pennsylvania Pet Insurance FAQs
- Is pet insurance more expensive in Pennsylvania? Pennsylvania has cheaper average pet insurance compared to states such as Maryland, Minnesota, and New York. Pet owners in North Carolina, Ohio, and Texas will pay less.
- What is the cheapest pet insurance in Pennsylvania? Lemonade has the lowest average insurance price for dogs and Healthy Paws offers the cheapest pet insurance for cats in Pennsylvania.
- Is pet insurance worth it in Pennsylvania? The best way to determine this is to consider how a large vet bill could impact your budget. Pet insurance can help offset these costs.
