Best pet insurance in Pennsylvania (PA) 2024 (2024)

Table of Contents
Our Partner Paw Protect Best pet insurance companies in Pennsylvania Top-rated pet insurance companies in Pennsylvania Best pet insurance in Pennsylvania Pets Best Why it’s the best Pros and cons Types of pet insurance Pennsylvania rates Pennsylvania discounts Customer reviews Best for cheap pet insurance in Pennsylvania ManyPets Why it’s the best Pros and cons Types of pet insurance Pennsylvania rates Pennsylvania discounts Customer reviews Best pet insurance for cats in Pennsylvania Lemonade Why it’s the best Pros and cons Types of pet insurance Pennsylvania rates Pennsylvania discounts Customer reviews Best pet insurance in Pennsylvania for multiple pets Embrace Why it’s the best Pros and cons Types of pet insurance Pennsylvania rates Pennsylvania discounts Customer reviews Best pet insurance for puppies and kittens in Pennsylvania Paw Protect Why it’s the best Pros and cons Types of pet insurance Pennsylvania rates Pennsylvania discounts Customer reviews Best pet insurance for dogs in Pennsylvania Figo Why it’s the best Pros and cons Types of pet insurance Pennsylvania rates Pennsylvania discounts Customer reviews Compare the best pet insurance rates in Pennsylvania How much is pet insurance in Pennsylvania? Pennsylvania pet insurance rates by city Average cost of veterinary care in Pennsylvania How to find the best pet insurance in Pennsylvania What is pet insurance? How pet insurance works Best pet insurance in Pennsylvania FAQs References

Pets Best is the best pet insurance company in Pennsylvania in 2024. It gets 5 stars in our rating because of its customizable coverage options, vet direct pay, 24/7 pet health line and optional add-on coverage for vet exams and routine veterinary care.

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Our Partner

Paw Protect

Maximum annual coverage

Unlimited

Average monthly cost for dogs

$77

Average monthly cost for cats

$47

Compare Quotes

Via Petted's website

Maximum annual coverage

Unlimited

Average monthly cost for dogs

$77

Average monthly cost for cats

$47

Best pet insurance companies in Pennsylvania

  • Pets Best: Best pet insurance in Pennsylvania.
  • ManyPets: Best for cheap pet insurance in Pennsylvania.
  • Lemonade: Best pet insurance for cats in Pennsylvania.
  • Embrace: Best pet insurance in Pennsylvania for multiple pets.
  • Paw Protect: Best pet insurance for puppies and kittens in Pennsylvania.
  • Figo: Best pet insurance for dogs in Pennsylvania.

Why trust our insurance experts

Our team of pet insurance experts evaluates hundreds of pet insurance products and analyzes thousands of data points to help you find the best product for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.

  • 4,000+ pet insurance rates reviewed.
  • 500+ coverage details evaluated.
  • 5 levels of fact-checking.

Top-rated pet insurance companies in Pennsylvania

Best pet insurance in Pennsylvania

Pets Best

Blueprint Rating

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Via Petted’s website

Average monthly cost of pet insurance for dogs

$39

Average monthly cost of pet insurance for cats

$21

Why it’s the best

Our top pick for the best pet insurance in Pennsylvania is Pets Best. Its accident and illness plan is customizable to fit your coverage needs and budget, or you can pick an accident-only plan. There are also two optional wellness plan levels to help cover your pet’s routine health care. Pets Best coverage includes a 24/7 vet health line, and if you enroll more than one pet, you’ll save 5%.

Read our full Pets Best pet insurance review.

Pros and cons

Pros

  • Short 3-day accident waiting period.
  • 24/7 vet health included.
  • Can pay the vet directly if the vet allows it.

Cons

  • 6-month cruciate ligament waiting period.
  • Only Plus and Elite plans cover vet exam fees.
  • Only Elite plan covers alternative therapies.

Types of pet insurance

Pets Best offers three types of pet insurance in Pennsylvania.

Accident and illness plan

  • Deductible: $50, $100, $200, $250, $500 or $1,000.
  • Annual coverage limit: $5,000 or unlimited.
  • Reimbursem*nt percentage: 70%, 80% or 90%.

Accident-only plan

  • Deductible: $250.
  • Annual coverage limits: $10,000.
  • Reimbursem*nt percentage: 90%.

Wellness plan

  • EssentialWellness: $305 in wellness coverage per year.
  • BestWellness: $535 in wellness coverage per year.

Pennsylvania rates

A Pennsylvania accident and illness pet insurance policy from Pets Best averages $39 per month for dogs with unlimited annual coverage. The same plan for cats averages $21 per month.

Pennsylvania discounts

The following pet insurance discounts may be available in Pennsylvania:

  • Multi-pet discount of 5%.
  • Qualifying veterinary staff discount of 5% (up to 10% for two pets).

Customer reviews

Pets Best generally gets great reviews. It has 4 out of 5 stars on Trustpilot after over 4,500 reviews. Many reviewers appreciate the ease of submitting pet insurance claims through the website or mobile app and how fast reimbursem*nt can be. Some negative reviewers are disappointed with wellness plan coverage denials.

When buying pet insurance or a wellness plan, it’s important to read your policy carefully to understand what’s covered and excluded. Pets Best wellness plans only cover up to a certain amount per routine care category annually.

Best for cheap pet insurance in Pennsylvania

ManyPets

Blueprint Rating

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Via Petted’s website

Average monthly cost of pet insurance for dogs

$27

Average monthly cost of pet insurance for cats

$16

Why it’s the best

Based on our analysis of rates, ManyPets is the best option for cheap pet insurance in Pennsylvania. It offers the cheapest average dog insurance at $27 per month for unlimited annual coverage with an 80% reimbursem*nt percentage and a $250 deductible. The average cat insurance premium for the same plan is $16 per month.

Read our full ManyPets pet insurance review.

Pros and cons

Pros

  • Cheap pet insurance in Pennsylvania.
  • Waiting periods can be waived if you’re switching from another pet insurer.
  • Includes vet exam fees.
  • Offers optional wellness plan coverage.

Cons

  • Does not provide 24/7 vet telehealth line.
  • Behavioral therapy is not covered.

Types of pet insurance

Accident and illness plan

  • Deductibles: $250, $500 or $1,000.
  • Coverage limits: Unlimited.
  • Reimbursem*nt percentage: 70% or 80%.

Wellness plan

If you purchase wellness plan coverage, ManyPets will reimburse up to $600 annually for dental cleanings, wellness checkups, holistic care, vaccines and heartworm testing and prevention.

Pennsylvania rates

A ManyPets accident and illness plan with unlimited annual coverage costs an average of $27 per month for dogs in Pennsylvania. The same plan for cats costs an average of $16 per month.

Pennsylvania discounts

There are no pet insurance discounts in Pennsylvania from ManyPets.

Customer reviews

ManyPets received an excellent rating from Trustpilot with 4.4 out of 5 stars after over 2,100 reviews. Most reviewers are happy with its responsive and supportive customer service and fast claims processing.

Best pet insurance for cats in Pennsylvania

Lemonade

Blueprint Rating

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Via Petted’s website

Average monthly cost of pet insurance for dogs

$30

Average monthly cost of pet insurance for cats

$18

Why it’s the best

Lemonade is our pick for the best pet insurance for cats in Pennsylvania, based on our coverage and premium analysis. Lemonade offers affordable cat insurance for a basic accident and illness plan without the extras many cat parents don’t need. But if you do, you can purchase add-on coverage for veterinary expenses like exam fees, behavioral issues, dental illness or physical therapy.

Read our full Lemonade pet insurance review.

Pros and cons

Pros

  • 2-day accident waiting period.
  • Live chat from 6 a.m. to 12 a.m. every day.
  • Offers optional wellness coverage.

Cons

  • No vet direct pay option.
  • Long process to get a quote online.
  • Most coverage benefits cost extra.
  • No unlimited coverage option.
  • No coverage for prescribed food, alternative and behavior therapy or microchipping.

Types of pet insurance

Lemonade offers two types of pet insurance in Pennsylvania.

Accident and illness plan

  • Deductible: $100, $250, $500 or $750.
  • Annual coverage limit: $5,000, $10,000, $20,000, $50,000 or $100,000.
  • Reimbursem*nt percentage: 70%, 80% or 90%.

Wellness plan

Lemonade offers preventive care specifically for puppies and kittens, covering more vaccines, wellness exams and parasite testing than its standard preventive care package. You can also upgrade to the Preventive+ Care Package to include teeth cleaning and flea, tick or heartworm medication.

You can also customize your pet insurance PA policy with the following Lemonade pet add-ons to cover:

  • Behavioral conditions.
  • Dental illness.
  • Physical therapy.
  • Vet visit fees.
  • End-of-life and remembrance.

Pennsylvania rates

The average cost of an accident and illness plan for a dog in Pennsylvania from Lemonade with $100,000 annual coverage averages $30 per month, while the same plan costs $18 per month for a cat.

Pennsylvania discounts

You can take advantage of the following Lemonade pet insurance discounts in Pennsylvania:

  • 5% discount for paying annually instead of monthly.
  • 10% discount for bundling with another Lemonade product.
  • 5% discount for insuring more than one pet.

Customer reviews

Lemonade has an excellent rating with Trustpilot after almost 2,000 reviews. The pet insurer has earned 4.4 out of 5 stars. This rating applies to all its insurance products, not just pet insurance.

One notable negative comment concerns claims denials for pre-existing conditions, which pet insurance companies don’t cover. However, if Lemonade considers the condition to be curable — like ear mites or giardia — its website says it can cover the condition after your pet remains symptom- and treatment-free for 12 months.

Best pet insurance in Pennsylvania for multiple pets

Embrace

Blueprint Rating

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Via Petted’s website

Average monthly cost of pet insurance for dogs

$56

Average monthly cost of pet insurance for cats

$31

Why it’s the best

Embrace offers the best pet insurance in Pennsylvania for multiple pets, with the highest available discount of 10% for insuring more than one pet. While Embrace’s rates aren’t the cheapest, its pet insurance includes extras other insurers often don’t, such as coverage for alternative and behavioral therapy, mobility aids, prosthetic limbs and access to a 24/7 pet health line.

See our full Embrace pet insurance review.

Pros and cons

Pros

  • 10% multi-pet discount.
  • Accident coverage starts on your policy effective date.
  • Offers vet direct pay on expensive vet claims with prior notice.

Cons

  • Physical exam required for accident and illness plan.
  • Vet exam fee coverage is an extra charge.

Types of pet insurance

Here are the types of Embrace pet insurance plans available in Pennsylvania.

Accident and illness plan

  • Deductible: $100, $250, $500, $750 or $1,000.
  • Annual coverage limit: $5,000, $8,000, $10,000, $15,000 or unlimited.
  • Reimbursem*nt percentage: 70%, 80% or 90%.

Accident-only plan

This is an option for older pets, aged 15 and older, that are not eligible for a new accident and illness pet insurance policy.

  • Deductible: $100.
  • Annual coverage limit: $5,000.
  • Reimbursem*nt percentage: 90%.

Wellness plan

Embrace will reimburse up to $650 per year for your pet’s eligible preventive care expenses such as teeth cleanings, microchipping, gastropexy, nutritional supplements and wearable pet activity monitors.

Pennsylvania rates

Pennsylvania pet owners with dogs pay an average of $56 per month for an unlimited annual coverage accident and illness plan from Embrace. The same plan costs around $31 per month for cats.

Pennsylvania discounts

The following pet insurance discounts are available in Pennsylvania:

  • 5% military discount.
  • 10% multi-pet discount.
  • Save $12 by paying annually instead of monthly.

Customer reviews

After close to 4,000 reviews, Embrace has 4.1 out of 5 stars on Trustpilot, earning the pet insurer a great rating. While most reviewers commend Embrace on its customer service and fast and easy claims process, others seem to not understand what their policy covers and were unhappy with claims being denied for pre-existing conditions.

Best pet insurance for puppies and kittens in Pennsylvania

Paw Protect

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Via Petted’s website

Average monthly cost of pet insurance for dogs

$57

Average monthly cost of pet insurance for cats

$32

Why it’s the best

Paw Protect has the best pet insurance for puppies and kittens in Pennsylvania, based on our analysis of benefits and coverage. Paw Protect covers vet exam fees, 24/7 vet telehealth, and alternative and behavior therapy. These coverages often cost extra with other pet insurance companies.

Add an optional wellness plan to reimburse up to $650 to help raise your furry friend, like training, wearable pet activity monitors, preventive dental cleanings and spay or neuter surgery.

Pros and cons

Pros

  • Covers behavioral and alternative therapies.
  • 2-day accident waiting period.
  • 10% multi-pet discount.

Cons

  • Vet exam from the past 12 months required for enrollment.
  • 6-month waiting period for orthopedic conditions, which can be waived with an orthopedic exam.
  • Admin fee of $25 when you sign up.

Types of pet insurance

Here are the types of pet insurance available from Paw Protect in Pennsylvania.

Accident and illness plan

  • Deductible: $100, $250 or $500.
  • Annual coverage limit: $5,000, $10,000 or unlimited.
  • Reimbursem*nt percentage: 70%, 80% or 90%.

Wellness plan

Paw Protect will reimburse up to $650 per year for your pet’s preventive care, including prescription diet food, routine blood tests, vaccinations, spay or neuter surgery and nutritional supplements.

Pennsylvania rates

The average cost of pet insurance in Pennsylvania for dogs is $57 per month for an accident and illness policy with unlimited annual coverage. The average cost of cat insurance is $32 per month for the same coverage.

Pennsylvania discounts

Paw Protect offers the following discounts in Pennsylvania:

  • 10% multi-pet discount.
  • 5% military discount.
  • $1 per month discount billing fee waived if you pay annually.

Customer reviews

Paw Protect has a poor rating on Trustpilot with 2 out of 5 stars after 14 reviews. Claim denials, lack of customer support and long response times make up the bulk of the poor reviews. Most denials are for pre-existing conditions which pet insurance does not cover.

Best pet insurance for dogs in Pennsylvania

Figo

Blueprint Rating

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Via Petted’s website

Average monthly cost of pet insurance for dogs

$53

Average monthly cost of pet insurance for cats

$29

Why it’s the best

Figo has the best pet insurance for dogs in Pennsylvania, based on our coverage and benefit analysis. Besides an unlimited annual coverage option and no lifetime coverage caps, you get 24/7 access to a licensed veterinary professional through the Figo Pet Cloud app. You can also use it to find everything dog-friendly wherever you are. And if your dog gets lost, you can find them easier with the Figo pet tag.

See our full Figo pet insurance review.

Pros and cons

Pros

  • Includes a 24/7 vet telehealth line.
  • Optional wellness coverage is available.

Cons

  • Vet exam fee coverage is available for an extra cost.
  • 6-month orthopedic waiting period (can be waived within the first 30 days of the policy).

Types of pet insurance

Figo offers the following types of pet insurance in Pennsylvania.

Accident and illness plan

  • Deductible: $100, $250, $500, $750 or $1,000.
  • Coverage limits: $5,000, $10,000 or unlimited.
  • Reimbursem*nt percentage: 70%, 80%, 90% or 100%.

Wellness plan

Figo offers a wellness plan that will reimburse up to $135 or $250 per year for your pet’s routine care expenses.

Pennsylvania rates

The average Figo dog insurance cost is $53 per month for unlimited annual coverage on an accident and illness plan. Cat insurance is $29 per month for the same coverage plan.

Pennsylvania discounts

Figo offers the following discounts in Pennsylvania:

  • 5% multi-pet discount.
  • 5% military discount.

Customer reviews

After close to 2,000 reviews, Figo has a great rating with 4 out of 5 stars on Trustpilot. Most of the negative reviews are about premium increases, which are common as your pet ages.

Compare the best pet insurance rates in Pennsylvania

PET INSURANCE COMPANYPA RATINGAVERAGE MONTHLY COST FOR A DOGAVERAGE MONTHLY COST FOR A CAT

Best pet insurance in Pennsylvania (PA) 2024 (8)Pets Best

$39$21
PET INSURANCE COMPANY

Best pet insurance in Pennsylvania (PA) 2024 (9)Pets Best

PA RATING
AVERAGE MONTHLY COST FOR A DOG$39
AVERAGE MONTHLY COST FOR A CAT$21

Best pet insurance in Pennsylvania (PA) 2024 (10)ManyPets

$27$16
PET INSURANCE COMPANY

Best pet insurance in Pennsylvania (PA) 2024 (11)ManyPets

PA RATING
AVERAGE MONTHLY COST FOR A DOG$27
AVERAGE MONTHLY COST FOR A CAT$16

Best pet insurance in Pennsylvania (PA) 2024 (12)Lemonade

$30$18
PET INSURANCE COMPANY

Best pet insurance in Pennsylvania (PA) 2024 (13)Lemonade

PA RATING
AVERAGE MONTHLY COST FOR A DOG$30
AVERAGE MONTHLY COST FOR A CAT$18

Best pet insurance in Pennsylvania (PA) 2024 (14)Embrace

$56$31
PET INSURANCE COMPANY

Best pet insurance in Pennsylvania (PA) 2024 (15)Embrace

PA RATING
AVERAGE MONTHLY COST FOR A DOG$56
AVERAGE MONTHLY COST FOR A CAT$31

Best pet insurance in Pennsylvania (PA) 2024 (16)Paw Protect

$57$32
PET INSURANCE COMPANY

Best pet insurance in Pennsylvania (PA) 2024 (17)Paw Protect

PA RATING
AVERAGE MONTHLY COST FOR A DOG$57
AVERAGE MONTHLY COST FOR A CAT$32

Best pet insurance in Pennsylvania (PA) 2024 (18)Figo

$53$29
PET INSURANCE COMPANY

Best pet insurance in Pennsylvania (PA) 2024 (19)Figo

PA RATING
AVERAGE MONTHLY COST FOR A DOG$53
AVERAGE MONTHLY COST FOR A CAT$29

*Average monthly Pennsylvania pet insurance premiums assume unlimited reimbursem*nt (or the highest level offered by that company), a $250 deductible and an 80% reimbursem*nt percentage.

How much is pet insurance in Pennsylvania?

The average cost of pet insurance in Pennsylvania with $5,000 in annual coverage, with a $250 deductible and an 80% reimbursem*nt percentage, costs:

  • $45 per month for dogs.
  • $25 per month for cats.

For pet insurance with unlimited annual coverage, the monthly average cost is:

  • $60 per month for dogs.
  • $32 per month for cats.

Smaller, younger dogs cost less to insure than older, larger dogs, and pet insurance costs also vary by breed and ZIP code. Cats typically cost less to insure than dogs.

Keep in mind that even though different insurers’ policies may have the same annual limits, deductibles and reimbursem*nt percentages, one company’s coverage may be more comprehensive than another’s.

It’s a good idea to review sample policies before choosing an insurer. Once you sign up for a plan, review your actual policy carefully in case it differs from the sample and to make sure you understand what it covers and what it excludes.

Pennsylvania pet insurance rates by city

CityPet insurance companyPet insurance with $5,000 annual coveragePet insurance with unlimited annual coverage
AllentownManyPets-$27
AllentownSpot$51$103
AllentownHealthy Paws-$43
AllentownPaw Protect$43$59
AllentownEmbrace$42$58
AllentownPets Best$30$35
AllentownFetch$61$80
AllentownLemonade$26$30
AllentownPumpkin$85$121
AllentownFigo$34$53
ErieManyPets-$27
ErieSpot$37$75
ErieHealthy Paws-$43
EriePaw Protect$34$48
ErieEmbrace$33$47
EriePets Best$32$37
ErieFetch$65$86
ErieLemonade$26$30
EriePumpkin$62$88
ErieFigo$34$53
PittsburghManyPets-$27
PittsburghSpot$51$103
PittsburghHealthy Paws-$47
PittsburghPaw Protect$43$59
PittsburghEmbrace$42$58
PittsburghPets Best$36$41
PittsburghFetch$52$68
PittsburghLemonade$26$30
PittsburghPumpkin$85$121
PittsburghFigo$34$53
ReadingManyPets-$27
ReadingSpot$51$103
ReadingHealthy Paws-$43
ReadingPaw Protect$43$60
ReadingEmbrace$42$58
ReadingPets Best$32$37
ReadingFetch$58$74
ReadingLemonade$26$30
ReadingPumpkin$85$121
ReadingFigo$34$53
Upper DarbyManyPets-$27
Upper DarbySpot$51$103
Upper DarbyHealthy Paws-$43
Upper DarbyPaw Protect$43$60
Upper DarbyEmbrace$42$58
Upper DarbyPets Best$38$44
Upper DarbyFetch$59$77
Upper DarbyLemonade$27$31
Upper DarbyPumpkin$85$121
Upper DarbyFigo$34$53

*Source: Petinsurer.com. Average monthly rates are based on dog insurance in Pennsylvania; policies included have a $250 deductible and 80% reimbursem*nt level.

Average cost of veterinary care in Pennsylvania

How much you pay for veterinary care will vary based on your Pennsylvania ZIP code. Here are the average veterinary costs for dogs and cats in Philadelphia.

PA CITYVET OFFICE VISITVACCINES*PROFESSIONAL DENTAL CLEANINGSPAY/NEUTER

Philadelphia

Dog $73.95

Cat $73.95

Dog $222.35

Cat $96.95

Dog $416.95

Cat $416.95

Dog $510.55

Cat $301.95

Pittsburgh

Dog $63.95

Cat $63.95

Dog $206.67

Cat $90.11

Dog $373.95

Cat $373.95

Dog $474.35

Cat $280.45

*Dog vaccines include Bordetella, DAPP, bivalent influenza, leptospirosis, Lyme disease and rabies. Cat vaccines include feline distemper FVRCP, feline leukemia virus and rabies. Source: Banfield Pet Hospital.

How to find the best pet insurance in Pennsylvania

If you’re considering pet insurance, it’s important to research companies and compare their pet insurance policies and prices, said Rachel Hinder, director of claims for Embrace Pet Insurance. “Pet insurance policies cover different types of conditions and treatments, so it is important to know what coverage you want before deciding on a policy.”

Hinder said it’s also important to check the policy limits, deductibles, co-payments and premium amount to make sure they are reasonable and within your budget. Reviews from other pet owners can give you an idea of the company’s reputation and customer service.

When comparing quotes to find the best pet insurance in PA, you may also want to consider how important these additional features are to you:

  • Wellness coverage: For an additional cost, you may be able to add coverage for routine and predictable expenses that pet insurance normally excludes, such as taking your dog to the vet for a routine checkup and vaccinations.
  • Multiple pet discount: Some companies offer a 5% or 10% premium discount when you insure multiple pets. You’ll still want to shop around because a company that doesn’t offer this discount could still offer you lower premiums or a better overall value.
  • 24/7 vet helpline: For those times when you can’t go to the vet or you’re not sure if a problem warrants an emergency visit, getting free advice from a licensed vet by phone, text or video chat can offer assistance and reassurance.
  • Direct pay option: While most pet insurance plans reimburse you after you pay the bill, some plans will pay your vet directly for covered expenses. If you choose a vet without this option, a credit card such as CareCredit can help you bridge the gap between paying a bill and getting reimbursed if you’re short on cash.

What is pet insurance?

Pet insurance is a contract between a pet owner and an insurance company. Its purpose is to limit a pet owner’s costs when their pet needs health care.

The most common type of pet insurance plan is an accident and illness plan. It covers treatment for accidents such as ingesting foreign objects, consuming toxic substances and getting bitten by another animal. It also covers veterinary care for illnesses such as urinary tract infections, cancer, allergies, kidney disease and a wide range of other ailments — as long as they weren’t preexisting when you purchased your policy and didn’t crop up during the policy’s initial waiting period.

Some pet insurers sell accident-only plans. With these cheaper plans, if your pet gets sick, there’s no coverage. You’ll only have coverage for injuries resulting from an accident.

You can also purchase a pet wellness plan in addition to a pet insurance policy or as a standalone product. Wellness plans are not insurance; they cover a portion of your pet’s routine care such as vaccines, dental cleanings, heartworm prevention and wellness visits that pet insurance policies typically don’t cover.

How pet insurance works

Pet insurance typically works as a reimbursem*nt, though some insurers will pay the vet directly for their portion of your covered losses. Your policy details, including your reimbursem*nt percentage and annual coverage limit, determine how much eligible veterinary expenses your pet insurance policy will cover.

After your pet sees the vet, you’ll pay the invoice in full. Then, you’ll file a claim and submit the receipt and detailed invoice to the insurance company. The insurer will review the claim and pay for covered veterinary costs, minus your deductible if you haven’t reached it.

If the insurer owes you money, you’ll get reimbursed by direct deposit or check, often within days.

Methodology

We analyzed 12 pet insurance companies in Pennsylvania using data from Petinsurer.com.

For this analysis, average Pennsylvania pet insurance rates are based on accident and illness plans, which account for 98% of pet insurance policies purchased, according to data from the North American Health Pet Insurance Association (NAPHIA). Pennsylvania rates are also based on insuring dogs, as dogs make up 85% of insured pets, per NAPHIA.

Each pet insurance company was eligible for up to 100 points, based on its performance in the following key categories:

  • Cost: 50 points. We calculated average rates for accident and illness pet insurance plans for a medium-sized, mixed-breed dog at two different ages in Pennsylvania, with unlimited annual reimbursem*nt (or the highest level offered by that company), a $250 deductible and a 90% reimbursem*nt percentage. The lower the average rate, the higher the number of points.
  • Annual coverage limits: 10 points. Pet insurance companies that offer annual reimbursem*nt of up to $100,000, or unlimited annual coverage scored in this category.
  • 24/7 vet line: 10 points. Insurance companies that offer access to a 24/7 vet line earned points. Being able to call for medical advice might save you money on vet visits.
  • Routine wellness plan: 10 points. Pet insurance companies that offer an optional wellness plan add-on scored points. Wellness plans can reimburse you for preventative care for your pet.
  • Pays vet exam fees: 10 points. If a pet insurance plan includes pet exam fees, the insurer received 10 points. If this is offered as a coverage add on, the insurer received 5 points.
  • Behavioral therapy: 5 points. If an insurance company covers behavior therapy in its pet insurance plans, it scored points.
  • Euthanasia or end of life expenses included: 5 points. If euthanasia or other end of life expenses are covered in pet insurance plans, an insurance company scored in this category.

Best pet insurance in Pennsylvania FAQs

On average, pet insurance covering illnesses and accidents for dogs in Pennsylvania costs $45 per month for annual reimbursem*nt up to $5,000, a $250 annual deductible and an 80% reimbursem*nt percentage. Unlimited coverage costs $60 per month on average. Cats are typically less expensive to insure than dogs and younger pets are less expensive to insure than older pets.

According to our methodology, the best pet insurance companies in Pennsylvania are Pets Best, ManyPets, Lemonade, Embrace, Paw Protect and Figo.

If you’re the type of pet parent who is considering pet insurance, there’s a good chance you’ll think pet insurance is worth it — as long as you understand how your policy works and what its limitations and exclusions are before you need to file a claim. Weighing your out-of-pocket veterinary costs against the cost of insuring your pet and how much you’d pay after reimbursem*nt can help you decide if pet insurance in Pennsylvania is worth it.

Pennsylvania has several laws for dogs:

  • Licensing: Dogs three months and older must be licensed by the County Treasurer.
  • Owner responsibility: Owners must not allow their dogs to run loose and are responsible for any damage their dog causes.
  • Abuse: Abusing any animal is illegal.
  • Puppies: Dogs eight weeks and younger cannot be sold, traded, bartered or transferred.

The state also requires all dogs and cats to have a current rabies vaccination once they’re three months old. Your locality may have additional laws for dogs and cats.

Best pet insurance in Pennsylvania (PA) 2024 (2024)

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