7 Best Pet Insurance Companies in Ohio (2023) – MarketWatch

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In this article: Top Pet Insurance Companies | Types of Pet Insurance | How to Choose | Conclusion | FAQs | Methodology
Pet insurance offers you peace of mind that your dog or cat can get the care it needs when your four-legged family member has an unexpected illness or accident, such as an allergic reaction or a slip on ice. If you live in the Buckeye State, you can access more than a dozen pet insurance companies that will help you cover vet bills.
To help you choose the best Ohio pet insurance, the Guides Home Team spent hundreds of hours scoring the top pet insurance companies based on cost, coverage options and customer experience. Read on for our top recommendations for Ohio pet parents.
Based on our extensive research, these are the seven best pet insurance providers in Ohio:
 
 
Highlights:
While Lemonade is at the center of a class-action lawsuit regarding its alleged storage of biometric data, we feel confident recommending the company based on its customer experience, reliable coverage, affordability and commitment to philanthropy.
Coverage: Lemonade’s accident-and-illness plan covers vet bills associated with illnesses and accidental injuries. For example, it covers emergency care, hospitalization and prescriptions for illnesses such as cancer and injuries such as broken bones. Lemonade excludes preexisting conditions, behavioral treatments, dental illnesses and cosmetic or elective procedures from its coverage.
You can purchase preventive care add-ons for vet exam fees and routine care costs, such as dental cleanings and vaccines. Lemonade also offers extended wellness benefits for puppies and kittens.
We got quotes for 4-year-old, mixed-breed dogs and cats in Cleveland using varying deductibles, coverage limits and reimbursements percentages:
Get a quote: Use Lemonade’s online quote tool to get a customized price and sign up for your policy.
To learn more: Lemonade pet insurance review
 
Highlights:
Coverage: Spot’s accident-only plan applies to incidents like toxic ingestions and bite wounds. The accident-and-illness plan offers from $2,500 up to unlimited annual protection for both accidents and a range of illnesses.
Some common conditions that are covered include cancer, diabetes, respiratory illnesses and behavioral issues. Spot excludes preexisting conditions, elective operations and breeding or pregnancy-related costs from its coverage.
Spot’s routine care plan covers annual checkups, dental cleanings and other preventive expenses. The Gold plan costs about $10 per month and offers $250 of annual benefits. For a flat rate of $25 per month, the Platinum plan extends annual benefits to $450.
Take a look at the average premiums for accident-and-illness plans below, based on quotes we gathered from Spot for 4-year-old, mixed-breed cats and dogs in Cleveland using various coverage caps, 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 accident-and-illness coverage and a preventive care add-on. The accident-and-illness plan offers $5,000–$30,000 of coverage per year for accidents and illnesses such as hip dysplasia and allergies. It doesn’t apply to preexisting conditions, cosmetic or elective procedures or breeding costs.
The Wellness Rewards plan reimburses you for routine care costs such as grooming, annual wellness exams and vaccines. Embrace reimburses 100% of wellness claims up to your choice of $250, $450 or $650 per year.
Here are sample price ranges from our quotes for 4-year-old, mixed-breed pets in Cleveland with various coverage caps, reimbursements and deductibles:
Get a quote: Fill out Embrace’s form for a free quote on your policy.
To learn more: Embrace pet insurance review
 
Highlights:
Coverage: Healthy Paws has one accident-and-illness plan that offers unlimited coverage for testing, treatments, care and procedures deemed necessary by a licensed vet. It doesn’t cover preexisting conditions, elective procedures, spaying and neutering or routine care. Healthy Paws also excludes hip dysplasia for the first 12 months of coverage.
The quotes below present an average cost range for Healthy Paws’ coverage of 4-year-old, mixed-breed dogs and cats in Cleveland:
Get a quote: Fill out Healthy Paw’s easy online form to get a pet insurance quote.
To learn more: Healthy Paws pet insurance review
 
Highlights:
Coverage: Figo’s accident-and-illness plan offers three levels of coverage. Each tier covers X-rays, ultrasounds, prescriptions and other essential treatments for covered conditions such as hip dysplasia, allergies, cancer and general sickness.
The Essential plan provides $5,000 of annual coverage for accidents and illnesses. The Preferred plan boosts coverage to $10,000, and the Ultimate plan has no coverage cap. Figo also offers optional vet exam fee coverage and routine care benefits such as dental care.
To help you compare monthly costs, we gathered quotes for 4-year-old, mixed-breed dogs and cats in Cleveland:
Get a quote: Fill out a quick quote request for Figo.
 
Highlights:
Coverage: Trupanion has one accident-and-illness plan covering procedures, diagnostics and care for accidents and illnesses such as vomiting, tooth trauma or thyroid disease. It also offers two add-ons. One covers alternative therapies such as acupuncture or chiropractic care. The other is the Pet Owner Assistance package, which offers third-party liability coverage, boarding fee reimbursement related to medical issues, reward money for lost pets and vacation reimbursement when you have to cancel a trip due to a sick pet.
Trupanion excludes preexisting conditions, routine care, exam fees, elective or cosmetic procedures and pregnancy expenses from its coverage.
Here are sample price ranges for 4-year-old, mixed-breed pets in Cleveland with varying deductibles and Trupanion’s standard $1,000 coverage limit and 90% reimbursement rate:
Get a quote: Fill out Trupanion’s form for a free quote on your policy.
To learn more: Trupanion Pet Insurance review
 
Highlights:
Coverage: Fetch’s accident-and-illness plan covers operations, treatments and vet visit fees related to chronic conditions, hereditary conditions, behavioral issues, cancer, injuries and more. It doesn’t cover preexisting conditions, elective procedures, breeding or pregnancy expenses or preventive care costs.
Fetch’s plan covers expenses often excluded by competitors, such as boarding when you’re hospitalized for four days or more, vacation cancellation fees related to your pet’s covered condition and reward and advertising money for missing pets. It also offers dental trauma coverage for each of your dog’s or cat’s teeth and total sick visit coverage, both of which are frequently excluded from similar plans.
Here are sample quotes for 4-year-old, mixed-breed dogs and cats in Cleveland with various coverage limits from Fetch:
Get a quote: Customize your Fetch pet insurance policy by getting a quote on Fetch’s website.
To learn more: Fetch pet insurance review
 
Pet insurance has three main elements: annual coverage limit, annual deductible and reimbursement rate. The annual coverage limit is the maximum amount your pet insurance provider will pay toward claims each year. The deductible is the amount you pay out of pocket for a claim, and the reimbursement rate is the percentage of the claim your provider pays.
There are three main types of pet insurance:
 
We recommend following the steps below to choose the best pet insurance provider for your pet’s needs:
 
The best pet insurance company in Ohio is Lemonade, based on our in-depth analysis of the company’s policies, premiums and customer experience. With consistently affordable rates, reliable basic coverage and a streamlined user experience, Lemonade is an impressive provider.
You shouldn’t lock into a policy without doing a little research, though. Each company in this review has clear advantages, so before signing on with Lemonade or another provider, take a few minutes to compare quotes from at least three pet insurance providers.
Provider
Get a quote
Our score
Monthly cost*
Waiting periods
Multi-pet discount
Mobile app
Lemonade
Visit Lemonade
90.5
$25.17
2 days for accidents, 14 days for illnesses
10%
✔
Spot
Visit Spot
89
$50.27
14 days for all conditions
10%
✔
Trupanion
Visit Trupanion
78.5
–
–
–
–
Fetch
Visit Fetch
89.5
$40. 79
15 days for all conditions
None
✔
Embrace
Visit Embrace
90.5
$49.08
2 days for accidents; 14 days for illnesses

10%
✔
Healthy Paws
Visit Healthy Paws
84
$51.75
15 days for accidents and illnesses
None
✔
Figo
Visit Figo
90
$21.74
Varies by ZIP code
5–10%
✔
*We obtained the sample premiums above for an accident-and-illness policy for a 4-year-old, medium-sized, mixed-breed dog in Cleveland. Pricing may vary based on your pet’s age, breed and location, so we recommend getting quotes directly from companies for the most accurate cost information.
Pet health care plans are worth it if you don’t have the savings to cover expensive veterinary bills. In our survey of 1,000 pet owners, more than 40% of participants have paid over $500 on one emergency vet bill. A pet insurance plan could foot the bill if you run into a similar medical emergency.
Pet insurance for cats in Ohio costs an average of $10–$45 and pet insurance for dogs averages $19–$88. Prices vary depending on the provider, your pet’s age and breed and any applicable discounts. For instance, you’ll pay a lower premium for a Chihuahua than a German Shepherd based on the breed’s health risks. Similarly, cat insurance is usually cheaper than dog insurance as cats statistically have fewer health issues.
Pet insurance can be used at any licensed vet in the United States. Some companies, such as Trupanion and Fetch by the Dodo, are also eligible in Canada.
Like human health insurance policies, pet health insurance rates increase with age. As your pets get older, their risk of developing health issues increases. As such, it’s wise to enroll in pet insurance while your dog or cat is young.
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:
We use our rating system to compare and contrast each company against key factors to help us determine the best pet insurance companies in the industry. Additionally, we keep our research up to date and revisit our reviews on a regular basis.
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