7 best pet insurance companies in Pennsylvania 2022 – MarketWatch

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Pet insurance can be a wise investment to protect your wallet and help you ensure veterinary care for your pet in the case of unexpected illnesses and injuries. From Pittsburgh to Philadelphia and everywhere in between, plenty of companies offer pet insurance in Pennsylvania that can provide your four-legged family member with the care it needs.
We at the Home Media reviews team have committed hundreds of hours to comparing quotes, customer reviews and coverage from the top pet insurance companies. Use our guide to choose the right provider for your cat or dog in the Keystone State.
Based on our thorough research process, here are the top seven Pennsylvania pet insurance companies:
 
Highlights:
Lemonade is facing a class-action lawsuit regarding its collection of biometric data; however,  we still highly recommend it as a reputable carrier based on its ease of use, charitable donation program and affordability.
Coverage: Lemonade offers one accident-and-illness plan to cover expenses associated with your pet’s accidental injuries and illnesses. This includes diagnostic tests, emergency care, hospitalization and operation costs related to conditions such as broken bones, bite wounds, cancer or allergies. Lemonade’s pet plan excludes behavioral therapy, preexisting conditions, dental illness, and elective or cosmetic procedures. 
Lemonade provides preventive care add-ons for vet visits and routine care, such as heartworm tests, dental cleanings and vaccines.
We obtained quotes for 4-year-old, mixed-breed dogs and cats in Pittsburgh, with different deductibles, coverage limits and reimbursement levels:
Get a quote: Use Lemonade’s online quote tool to get a custom quote and enroll in a plan.
To learn more: Lemonade pet insurance review
 
Highlights:
Coverage: Spot’s accident-only plan pays vet bills related to bites, broken bones and other accidental injuries. The accident-and-illness plan offers between $2,500 and unlimited annual coverage and applies to both accidents and illnesses such as cancer, diabetes or behavioral issues. 
These plans exclude preexisting conditions present at enrollment or during the waiting period, elective procedures and breeding costs.
Spot’s routine care plan covers preventive care costs such as dental cleanings and checkups. The Gold plan, which costs about $10 per month, offers $250 of annual benefits, and the $25 Platinum plan extends annual benefits to $450.
The averages below are based on quotes we gathered for 4-year-old, mixed-breed dogs and cats in Pittsburgh, with various coverage limits, deductibles and reimbursement levels:
Get a quote: To customize your Spot pet insurance policy, get a quote on Spot’s website.
To learn more: Spot Pet Insurance review
 
Highlights:
Coverage: Embrace has an accident-and-illness plan and a routine care add-on. The standard insurance plan offers $5,000–$30,000 of annual coverage for conditions such as diabetes, dental trauma and hip dysplasia. It excludes preexisting conditions, cosmetic and elective procedures, and breeding or pregnancy-related expenses.
Embrace’s Wellness Rewards plan reimburses pet parents for routine health costs, such as wellness exams, grooming and vaccinations. Embrace reimburses 100% of covered costs up to your selected policy limit of $250, $450 or $650 per year. 
The average below is based on sample quotes we pulled for 4-year-old, mixed-breed pets in Pittsburgh, with various coverage limits, reimbursements and deductibles:
Get a quote: Fill out Embrace’s form to get a customized quote on coverage.
To learn more: Embrace Pet Insurance review
 
Highlights:
Coverage: ASPCA Pet Health Insurance provides Accident-Only Coverage and Complete Coverage. The Accident-Only plan reimburses for incidents such as toxic ingestions, sprains or bite wounds, and Complete Coverage encompasses both accidents and illnesses. Both ASPCA plans exclude preexisting conditions, cosmetic procedures and breeding expenses.
ASPCA also offers Basic and Prime wellness care add-ons. These plans cover routine wellness exams, fecal testing, dental cleanings and vaccines. The Basic plan offers $250 of coverage, and the Prime plan provides $450 annual coverage limits.
We gathered quotes for 4-year-old, mixed-breed dogs and cats in Pennsylvania to give you an idea of the monthly premiums you can expect from ASPCA.
Get a quote: Complete ASPCA’s online form for an instant quote on a pet policy.
To learn more: ASPCA Pet Health Insurance review
 
Highlights:
Coverage: Healthy Paws offers one accident-and-illness plan that provides unlimited coverage for vet bills related to treatments and procedures deemed medically necessary by a licensed vet, including surgery, hospitalization and rehabilitation. It excludes preexisting conditions, spaying and neutering, and preventive care. The plan also excludes hip dysplasia during the first 12 months of coverage.
The quotes below provide an average range of costs for 4-year-old, mixed-breed dogs and cats in Pittsburgh:
Get a quote: Fill out Healthy Paws’ online form to get a pet insurance quote.
To learn more: Healthy Paws Pet Insurance review
 
Highlights:
Coverage: Figo’s accident-and-illness plan comes with three levels of coverage. Each plan covers X-rays, medications and other vital treatments related to covered conditions such as hip dysplasia, cancer, allergies and general sickness. 
The Essential plan offers $5,000 of annual protection for accidents and illnesses. The Preferred plan provides $10,000 of protection, and the Ultimate plan comes with zero coverage caps. In addition, you can purchase vet exam fee coverage and wellness benefits like dental care.
To help you compare pet plan costs, we gathered numerous sample quotes for 4-year-old, mixed-breed dogs and cats in Pittsburgh:
Get a quote: Fill out a quick quote request for Figo.
 
Highlights:
Coverage: Prudent Pet offers three pet insurance plans: Accident-Only, Essential and Ultimate. The Accident-Only plan provides $10,000 coverage for accidents and injuries like bite wounds or hip injuries. The Essential Plan also offers $10,000 annual coverage, but it covers accidents, illnesses and conditions like cancer or allergies.
The Ultimate Plan provides unlimited coverage for accidents, illnesses and conditions. It also provides coverage for unique expenses like lost pet reward money and advertising, mortality costs and kennel fees if you are hospitalized and can’t care for your pet.
We obtained the quotes below for 4-year-old, mixed-breed dogs and cats in Pittsburgh, using a variety of annual coverage limits, deductibles and reimbursement rates:
Get a quote: Get a custom quote based on your pet’s details on the Prudent Pet website. 
To learn more: Prudent Pet insurance review
 
Pet insurance is made of three components: your annual coverage limit, deductible and reimbursement level. The coverage limit is how much money your pet insurance company will pay toward claims in a calendar year. The deductible is how much you pay out of pocket in the event of a claim. The reimbursement is the portion of the bill the pet insurance company pays.
There are three types of pet insurance plans:
State legislation offers some protections for pet owners who purchase a cat or dog insurance policy. Pennsylvania regulates all pet insurance companies that offer coverage in the state.
According to the Pennsylvania Insurance Department, you have the right to file an appeal if your pet insurance policy is canceled or is not renewed. If your policy was wrongfully terminated, you can contact the state’s insurance department by calling 877-881-6388 or submitting a complaint form at the link above.
To select the right pet insurance provider for your furry companion and get peace of mind along the way, take the steps below:
The best pet insurance company in Pennsylvania is Lemonade, based on our thorough review of coverage, cost and customer experience. With a simple claims process, impressively low premiums and multi-policy discounts, the company is a solid choice of insurer for Pennsylvania pet parents.
However, pet insurance isn’t a one-size-fits-all product. Each of the providers in this review offers impressive dog and cat insurance and has unique advantages. To choose the right pet health insurance company for your dog or cat, take a few minutes to compare quotes from at least three providers.
Provider
Get a Quote
Our Score
Monthly Cost*
Waiting Periods
Multi-Pet Discount
Mobile App
Lemonade
Visit Lemonade
4.55 out of 5
$20.19
2 days for accidents, 14 for illnesses, 6 months for cruciate ligament conditions
10%
✔
Spot
Visit Spot
4.45 out of 5
$50.27
14 days for all
10%
✔
Embrace
Visit Embrace
4.53 out of 5
$33.15
2 days for accidents, 14 days for illnesses

10%
✔
Healthy Paws
Visit Healthy Paws
4.2 out of 5
$51.75
15 days for accidents and illnesses
None
✔
Figo
Visit Figo
4.5 out of 5
$21.74
Varies by zip code
5–10%
✔
Prudent Pet
Visit Prudent
4.53 out of 5
$35.00
5 days for accidents, 14 days for illnesses
5%
✔
ASPCA
Visit ASPCA
4.5 out of 5
$50.37
14 days for all
10%
✔
*We obtained the sample premiums above for an accident-and-illness policy for a 4-year-old, medium-size, mixed-breed dog in Pittsburgh. Because pricing may vary based on your pet’s age, breed and location, we recommend getting quotes directly from companies to get the most accurate cost information.
It’s important to buy pet insurance to ensure your pet gets the care it needs and protect your wallet from expensive vet bills. In our survey of 1,000 pet owners, we learned that more than 40% have paid at least $500 for an emergency vet bill.
Pet insurance covers surgery if it is deemed medically necessary by your veterinarian. It does not cover elective or cosmetic procedures.
While you may be required to microchip your pet depending on where you live, pet insurance is not a legal requirement, regardless of the type of pet you own.
Standard pet insurance plans do not pay for vaccination. However, you can purchase wellness care benefits for routine costs such as vaccines. Keeping your pet’s vaccinations up to date can keep your pet healthy and, in turn, lower premiums.
Our review of pet insurance companies is based on in-depth industry research that includes reading hundreds of customer reviews, simulating the quote and purchasing process, speaking to representatives on the phone to assess the customer service experience and surveying 1,000 dog and cat owners nationwide to determine the most important elements of pet insurance coverage. We have scored each provider on a 100-point scale based on those elements.
Here are more details about each factor and how they’re weighted:
 
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