Best Pet Insurance in Ohio For June, 2024

When it comes to pet insurance in Ohio, Lemonade Pet Insurance is my top pick.

min read
Updated: 08 May 2024
Written by
Doug Schaffer
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Our team of pet insurance experts compared 40 quotes from 18 different pet insurance providers to identify the best options for various situations. Lemonade Pet Insurance comes out on top as the best all-around choice in Ohio. They’re also the most budget-friendly option and ideal for pet owners with young animals.

That said, there are three other noteworthy companies worth mentioning: ASPCA, Embrace, and Pets Best Pet Insurance, each excelling in their specific categories.

In the upcoming sections, we’ll delve into some of Ohio’s finest pet insurance possibilities and explore the factors influencing your overall premiums.

Top Pet Insurance Companies In Ohio, 2024

Best Overall Coverage - Lemonade Pet Insurance
Best for Affordable Coverage - Lemonade Pet Insurance
Best for Owners of Young Pets - Lemonade Pet Insurance
Best for New Pet Owners - ASPCA Pet Insurance
Best for Cat Owners - Embrace Pet Insurance
Best Pet Insurance, Ohio 2024

Comparison Of The Best Pet Insurance Companies In Ohio

Overall Rating Best For Average Annual Cost for Dogs Average Annual Cost for Cats Coverage Waiting Period Get A Quote
Lemonade Pet Insurance

Affordable Coverage



2 days accidents and 14 days illnesses

Instant Quote
Lemonade Pet Insurance

Owners Of Young Pets



2 days accidents and 14 days illnesses

Instant Quote

New Pets Owners



Immediately for preventive care and 14 days for accidents and illnesses

Instant Quote

Cat Ownerss



48 hours for accidents and 14 days for illnesses

Instant Quote
Lemonade Pet Insurance

Overall Coverage



2 days accidents and 14 days illnesses

Instant Quote
Pets Best

Owners Of Multiple Pets



3 days accidents and 14 days illnesses

Instant Quote
Scroll to see comparisons

Our Methodology

For Ohio's most affordable pet insurance rates, our team did an extensive analysis, considering data from various pet insurance providers across the state. In addition to this, we tapped into the expertise of our team of insurance professionals, who bring a collective experience of over two decades in the field.

Please bear in mind that while the rates we provide in this guide are up-to-date, pet insurance premiums can change daily and may vary depending on factors like your pet's age and breed.


Quotes Analyzed


Years Of Industry Experience


Brands Reviewed


Research Hours

Reviews Of The Best Pet Insurance Companies In Ohio

Best Overall Coverage

Overall Rating

Key Statistics

9/10 Affordability
9/10 Customer Reviews
9/10 Payouts
8/10 Coverage Level

Why We Like Them

Several factors determine the quality of a pet insurance provider, such as cost, service quality, and claim processing speed. In Ohio, Lemonade Pet Insurance excelled in these aspects, boasting pocket-friendly premiums of $18.41 per month for cats and $37 for dogs.

In addition to their competitive insurance rates, Lemonade garnered high praise from Ohio pet owners for their exceptional customer service. Their team’s genuine concern for animals shines through in their interactions with policyholders.

Benefits & Drawbacks

  • 2-day waiting period for accidents
  • Industry-leading claims processing department
  • Numerous discounts available
  • A percentage of monthly premiums goes toward nonprofits
  • Some pet breeds have age restrictions for enrollment
  • Policies aren’t available in every state
  • Pet owner credit and claim history are factored into insurance rates

Best Affordable Coverage

Overall Rating

Key Statistics

9/10 Affordability
9/10 Customer Reviews
9/10 Payouts
8/10 Coverage Level

Why We Like Them

Many folks who love their pets want to make sure they’re covered, but they often think pet coverage is pricey. Lemonade Pet Insurance, however, shows that it doesn’t have to be costly. For most cat owners, it’s just $18.41 on average, and dog owners pay around $37.

Lemonade Pet Insurance also makes it affordable by providing discounts, like bundling options that can cut pet insurance costs by up to 15%. Plus, they offer a user-friendly mobile app to manage your policies with ease.

Benefits & Drawbacks

  • Enjoy a 2-day accident waiting period.
  • Experience faster claims processing compared to other major competitors.
  • Take advantage of numerous available discounts.
  • Rest assured that a portion of your premium goes to nonprofit organizations.
  • Some pet breeds may not have coverage after reaching a specific age.
  • Coverage limitations depend on your state of residence.
  • Your pet owner credit and claim history can influence your insurance rates.

Cheapest Rates For Owners Of Young Pets

Overall Rating

Key Statistics

9/10 Affordability
9/10 Customer Reviews
9/10 Payouts
8/10 Coverage Level

Why We Like Them

Many folks adopt young pets to grow alongside their families. While raising a kitten or puppy is thrilling, it can also be a bit overwhelming. Besides training, finding the right insurance that’s easy to get and handle is essential.

Lemonade Pet Insurance strikes the perfect balance between affordability and user-friendly features. They’ve got a top-notch mobile app and a stellar customer service team, all with average rates of $18.14 for cats and $37 for dogs.

If you’re a pet owner with young furballs, Lemonade Pet Insurance is hard to beat.

Benefits & Drawbacks

  • Policyholders enjoy a mere 2-day waiting period for pet injuries.
  • Experience swift claim processing with quick turnaround times.
  • Unlock access to a wide array of available discounts.
  • Rest easy knowing that a portion of your premium contributes to nonprofit organizations
  • Certain pet breeds become ineligible for coverage once they reach a certain age.
  • Coverage is not available in every one of the 50 states.
  • Your pet owner credit and claim history play a role in determining insurance rates.

Cheapest Rates For New Pet Owners

Overall Rating

Key Statistics

8/10 Affordability
9/10 Customer Reviews
8/10 Payouts
8/10 Coverage Level

Why We Like Them

When you’re a new pet owner, choosing a pet insurance company like ASPCA, known for its strong commitment to animal health, is crucial.

While ASPCA’s average premiums are a bit higher at $38.67 for cats and $83.30 for dogs, the benefits outweigh the monthly costs. One big advantage is ASPCA’s lack of age limits, ensuring coverage for senior pets, regardless of their age.

ASPCA also provides extra coverage for behavioral problems and alternative therapies, which can be especially beneficial for certain dog breeds.

Benefits & Drawbacks

  • Coverage encompasses areas such as alternative therapies, behavioral issues, and congenital conditions.
  • Cruciate injuries require just a 14-day waiting period.
  • Access a 24/7 telehealth vet line.
  • Standard policies include coverage for vet visit fees related to illnesses and accidents.
  • The option for unlimited annual coverage can only be obtained through an agent.
  • There are limited choices for deductibles.

Cheapest Rates For Cat Owners

Overall Rating

Key Statistics

9/10 Affordability
10/10 Customer Reviews
8/10 Payouts
7/10 Coverage Level

Why We Like Them

If you’re a cat owner in Ohio searching for top-notch policies, Embrace Pet Insurance is a great option. They offer budget-friendly cat insurance with an average monthly premium of just $20.44.

Embrace goes the extra mile in supporting local charities, donating $2 for each policy they sell. Additionally, they are the preferred partner of major car and home insurance providers such as USAA, Allstate, and GEICO.

Benefits & Drawbacks

  • Budget friendly policy options
  • Almost every standard policies include coverage for curable pre-existing conditions
  • Pet owners with animals needing orthopedic care can skip the waiting period with a vet exam
  • Pets over the age of 14 only qualify for accident-only policies
  • Supplement coverage isn’t a part of regular policies

Cheapest Rates For Multiple Pets

Overall Rating

Key Statistics

8/10 Affordability
9/10 Customer Reviews
7/10 Payouts
9/10 Coverage Level

Why We Like Them

Managing more than one pet can lead to increased costs for food and toys, but it can be a win when it comes to pet health insurance and vet bills. Companies like Pets Best understand this and offer discounts for policies covering multiple animals.

In addition to these discounts, Pets Best keeps monthly premiums affordable, averaging at $29.54 for cat insurance and $41.39 for dog insurance.

Pets Best also extends valuable benefits to policyholders, such as a 24/7 vet helpline for emergencies and pet insurance coverage for pets with disabilities or those in need of special prosthetic devices.

Benefits & Drawbacks

  • Coverage encompasses pets in need of wheelchairs or prosthetic devices.
  • Access veterinary assistance through the 24/7 vet healthline.
  • Accident coverage features a 3-day waiting period.
  • Enjoy flexible coverage options for accident and illness policies.
  • Claims processing typically exhibits slower speeds compared to other competitors.
  • Policy changes can only be made at the time of renewal.

Average Cost Of Pet Insurance In Ohio

Average Cost of Pet Health Insurance In Ohio — By Cat Breed

Cat Breed Average Monthly Cost
Domestic Shorthair $18
Sphynx $19
Siamese $23
Maine Coon $26

Average Cost of Pet Health Insurance In Ohio — By Dog Breed

Dog Breed Average Monthly Cost
Affenpinscher $19
Labradoodle $37
Greyhound $63
Newfoundland $85

Average Cost of Pet Health Insurance In Ohio — Accidental-Only Plan

Insurance Provider Average Monthly Cost for Accident-Only Coverage
Lemonade $29
Pets Best $31
TrustedPals $36
Figo $42
ASPCA Pet Health Insurance $54

Average Cost of Pet Health Insurance In Ohio — Comprehensive Coverage

Insurance Provider Average Monthly Cost for Comprehensive Coverage
ManyPets $35
Pets Best $37
Lemonade $45
Trusted Pals $50
Healthy Paws $52

How To Find The Best Pet Insurance Company For You

Buying pet health insurance is a bit like getting your own health or life insurance in Ohio. It’s important to compare prices, but first, you need to know what to look for in a pet insurance plan.

For instance, most companies offer two types: accident-only coverage and accident with forgiveness. Both have their advantages and are good for different situations.

Accident-only coverage is usually best for younger pets less likely to get age-related illnesses. On the other hand, comprehensive pet insurance plans work well for breeds with a higher risk of health issues.

You should also think about the waiting period. Different pet insurance providers have different waiting times for accidents and illnesses, so you should pick what works best for your pet’s health.

Largest Pet Insurance Companies In The United States

Pet Insurance Company Estimated Market Share Percentage
Trupanion 30%
Nationwide Mutual Insurance Company 19%
Embrace Insurance 9%
Fetch by the Dodo 8%
Pets Best Insurance 2.4%
Hartville Group Inc. 1.4%
MetLife Insurance 1.4%
Petsecure 1.3%
Healthy Paws Insurance .73%
Pumpkin Insurance .48%

How To Buy Pet Insurance In Ohio

Getting insurance for your pet is a straightforward process, especially when using a platform like Insuranceopedia. However, there are several things you can do before and during the application to make things go smoothly.

Here are four important steps to follow when buying pet insurance:

  1. Gather all necessary information in advance, such as your pet’s type, breed, age, medical history, and any lineage documents you have.
  2. Decide on the coverage amount and deductible you want for your pet.
  3. Compare quotes from at least three different pet insurance providers.
  4. Purchase your policy and inform your vet about your new coverage.

Factors That Impact the Cost Of Your Pet Insurance Policy In Ohio

Many pet owners might think that their pet insurance premium is determined by only one or two factors, but in reality, several elements shape the rate you pay for insurance. These factors include:

  • Animal Type
  • Breed
  • Age
  • Insurance Type
  • Location

Animal Type:

When you’re in the market for pet health insurance, the type of pet you own plays a significant role in setting your monthly payments. Generally, a dog owner will pay 2-3 times more than a cat owner because dogs tend to spend more time outside, increasing their risk.


Similar to the type of animal, your pet’s breed also influences the pet insurance cost. While many dog breeds have similar premiums, some are considered higher risk. For instance, boxers and bulldogs have a history of sinus and skin issues, which can lead to higher premiums.


Age is another major factor in determining your pet insurance quotes. While some insurers offer affordable rates for pets of all ages, others may deny coverage for older pets. If you have a senior pet, it’s crucial to explore different pricing options.

Insurance Type:

When you’re purchasing animal health insurance, you’ll typically choose between two main options: accident-only or accident and illness plans. Both types provide protection for your pet, but comprehensive policies usually come with a higher monthly cost. You should consider whether the added coverage is worth the extra expense.


Regional pricing is another aspect that many pet insurance providers take into account when evaluating your application. While premiums generally don’t differ significantly from city to city, some state regions are considered higher risk due to more frequent claims.

Ohio Pet Insurance Laws To Know

While insurance isn’t mandatory for pet owners in Ohio, there are still pet laws and regulations in effect to safeguard both animals and their caregivers. For instance, a recent House Bill has been enacted, focusing on the consideration of a dog’s breed in decisions related to homeowners’ and renters’ insurance.

In the past, insurance providers had the authority to refuse coverage, terminate policies, or raise premiums based on the breed of a policyholder’s pet. However, with the adoption of House Bill 2323, it is now against the law for insurance companies to differentiate on the grounds of a dog’s breed or physical characteristics.

Pet Insurance Discounts In Ohio

Just like with health insurance, the price of pet health insurance can vary in different areas of Ohio. To make insurance more affordable, you can look into discounts. While not all pet insurance companies offer the same discounts, it’s a good idea to consider these options:

  • Employer-sponsored discounts
  • Multi-pet discounts
  • Employee union discounts
  • Wholesale and special interest clubs discounts
  • Multi-policy discount
  • Active and retired military discounts
  • Senior discounts
  • Online policy discounts
  • Animal care employee discounts
  • Special service animal discounts

In The News

  • Effective June 30, 2023, insurance companies are prohibited from solely considering a dog’s breed in their underwriting decisions.
  • Governor Katie Hobbs has endorsed Senate Bill 1053 into law, granting veterinarians the ability to establish a veterinary-client relationship using telemedicine.

Information About Ohio

Ohio is known for its rich history and diverse cultural heritage. The state is home to vibrant cities and a deep Native American legacy. Numerous reservations and cultural sites are scattered across Ohio, offering residents and visitors the chance to delve into the traditions and history of Native American communities.

Furthermore, Ohio boasts stunning natural landscapes that beckon tourists from all over. Iconic attractions such as the Cuyahoga Valley National Park, Hocking Hills State Park, and Lake Erie offer travelers abundant opportunities to immerse themselves in the beauty of Ohio’s natural wonders.


Do all licensed veterinarian take pet insurance in Ohio?

Every veterinary clinic in Ohio accepts pet health insurance because the way pet insurance works is that the pet owner covers the vet bill and other medical costs and then gets reimbursed by the pet insurance company.

How much is pet insurance in Ohio?

Similar to pet owners in other parts of the country, Ohio pet parents find that insuring their cats is more budget-friendly compared to dogs. On average, cat insurance in Ohio comes with a monthly premium of $27.56, whereas dog owners usually shell out $48.81 per month for their pet’s coverage.

Do I legally have to insure my pet in Ohio?

While it’s advisable to have insurance for your pets, it’s important to note that there’s no legal obligation to insure your dog or cat in Ohio.

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