Best Pet Insurance In Pennsylvania For 2025
In Pennsylvania, Lemonade Pet Insurance is the standout choice for pet insurance.
We’ve saved shoppers an average of $350 per year on their pet insurance.
I investigated several pet insurance options to find the most extensive coverage for various situations. Lemonade Pet Insurance was named the best overall pet insurance in Pennsylvania.
Later on, we’ll look into some of the average costs of pet insurance, and top insurance options available in Pennsylvania and consider how certain factors could impact your insurance costs.
Best Pet Insurance In Pennsylvania, 2025
Compare The Best Pet Insurance In Pennsylvania
| Coverage Waiting Period | Best For | Overall Rating | Average Annual Cost for Cats | Average Annual Cost for Dogs | Get A Quote | |
|---|---|---|---|---|---|---|
| Lemonade Pet Insurance |
2 days for accidents and 14 days for illnesses |
Affordable Coverage |
|
$17 |
$32 |
Instant Quote |
| Lemonade Pet Insurance |
2 days for accidents and 14 days for illnesses |
Owners Of Young Pets |
|
$17 |
$32 |
Instant Quote |
| ASPCA |
Immediately for preventive care and 14 days for accidents/illnesses |
New Pet Owners |
|
$18 |
$37 |
Instant Quote |
| Pets Best |
3 days accidents and 14 days illnesses |
Owners Of Multiple Pets |
|
$12 |
$27 |
Instant Quote |
| Lemonade Pet Insurance |
2 days for accidents and 14 days for illnesses |
Overall Coverage |
|
$17 |
$32 |
Instant Quote |
| Embrace |
48 hours for accidents and 14 days for illnesses |
Cat Owners |
|
$14 |
$31 |
Instant Quote |
Average Cost Of Pet Insurance In Pennsylvania By Dog Breed
| Dog Breed | Average Monthly Cost |
| Beagles | $22 |
| Labradoodle | $34 |
| Greyhound | $68 |
| Golden Retriever | $89 |
Average Cost Of Pet Insurance In Pennsylvania By Cat Breed
| Cat Breed | Average Monthly Cost |
| Domestic Shorthair | $18 |
| Sphynx | $20 |
| Siamese | $23 |
| Maine Coon | $25 |
Average Cost Of Accident-Only Pet Insurance In Pennsylvania
| Insurance Provider | Average Monthly Cost |
| Lemonade | $26 |
| TrustedPals | $32 |
| Figo | $38 |
| Pets Best | $28 |
| ASPCA | $36 |
Average Cost Of Comprehensive Pet Insurance In Pennsylvania
| Insurance Provider | Average Monthly Cost |
| Lemonade | $40 |
| Pets Best | $50 |
| Trupanion | $56 |
| FIGO | $65 |
| Spot | $85 |
Note: Signing up for pet insurance while your pet’s still a puppy or kitten can save you money. Younger pets can usually get lower rates and better coverage before any health issues pop up in the future.
Best Pet Insurance Providers In Pennsylvania
Best Overall Coverage
Key Statistics
Why We Like Them
⇅The best pet insurance providers are chosen based on factors such as affordability, customer service, and how efficiently they handle claims. Lemonade Pet Insurance is highly rated in Pennsylvania, offering competitive rates from $18.41 per month for cats and $35.18 for dogs. Lemonade receives accolades from Pennsylvania pet owners for its excellent customer service and commitment to animal welfare.
Benefits & Drawbacks
⇅- Insurance coverage for accidents begins after a two-day wait
- Exceptional claims resolution group
- A wide range of discounts are available.
- A portion of your monthly premium supports nonprofits. ✓
- Certain pet breeds have age requirements for enrollment.
- Not all states provide guidelines.
- The pet owner's credit history and previous claims affect how insurance rates are determined. ✘
Best For Multiple Pets
Key Statistics
Why We Like Them
⇅Having more than one pet can increase your financial obligations, but it could also lower your pet insurance costs. Providers such as Pets Best give discounts for policies covering multiple pets. They offer competitive premiums, with cat insurance averaging $29.54 and dog insurance at $41.39. Furthermore, Pets Best provides a 24/7 vet helpline and coverage for pets with disabilities or special prosthetic needs.
Benefits & Drawbacks
⇅- Pets with wheelchairs or prosthetics are covered under our policy.
- Veterinary assistance is available 24 hours a day through the healthline.
- Three days is the waiting period for accident coverage to start.
- Tailor your insurance to cover accidents and illnesses based on what works for you. ✓
- Claims take longer to process here than they do at other companies
- Adjustments to policies occur solely during renewals. ✘
Best For Owners Of Young Pets
Key Statistics
Why We Like Them
⇅A lot of individuals choose to adopt young pets, which can bring joy and enthusiasm to their families. However, the responsibilities of a new kitten or puppy can be overwhelming. Beyond training, selecting a pet insurance provider that makes coverage management straightforward is key. Lemonade Pet Insurance offers affordability, a user-friendly mobile app, and exceptional customer service, with average premiums of $18.14 for cats and $35.18 for dogs, making it an ideal choice for owners of young pets.
Benefits & Drawbacks
⇅- A 2-day waiting period is required for pet injury coverage to take effect.
- Claims are promptly taken care of.
- The company channels part of the policyholder's premium towards nonprofit endeavors. ✓
- The company channels part of the policyholder's premium towards nonprofit endeavors.
- The policy's scope does not encompass every state in the country.
- The price of pet insurance considers the pet owner's credit standing and claims background. ✘
Best For New Pet Owners
Key Statistics
Why We Like Them
⇅New pet owners should choose an insurance provider with a strong background in animal health, such as ASPCA. Despite the higher premiums—$38.67 for cats and $83.30 for dogs—ASPCA provides benefits such as coverage for senior pets regardless of age and additional options for behavioral and alternative therapies, which can be advantageous for certain breeds.
Benefits & Drawbacks
⇅- Covered are alternative treatments, behavioral issues, and conditions present since birth.
- A 14-day wait is necessary after cruciate injuries.
- Seek veterinary advice at any hour through our telehealth service.
- Standard insurance covers vet visits caused by illnesses and accidents. ✓
- Agents are the sole providers of unlimited yearly coverage.
- Deductible options are somewhat limited. ✘
Best For Cat Owners
Key Statistics
Why We Like Them
⇅Pennsylvania residents seeking affordable cat insurance might find Embrace Pet Insurance appealing, with plans starting at about $20.44 per month. Moreover, they donate $2 to charity for every policy sold. Embrace has partnerships with major insurers like USAA, Allstate, and GEICO.
Benefits & Drawbacks
⇅- Pick from a range of policies that are affordable.
- Mainstream insurance policies often provide coverage for treatable pre-existing medical issues.
- Owners of pets in need of orthopedic care can accelerate the process by consulting with a veterinarian. ✓
- Pets older than 13 years can only enroll in accident policies.
- Typical policies do not include extra coverage. ✘
Best Affordable Coverage
Key Statistics
Why We Like Them
⇅Protecting pets is crucial for many owners, yet they often perceive pet insurance as too expensive. Lemonade Pet Insurance challenges this view with affordable rates starting at $18.41 for cats and $35.18 for dogs. They also offer discounts, such as bundling, which can cut costs by up to 15%, and their easy-to-use app makes policy management straightforward.
Benefits & Drawbacks
⇅- After an accident, you'll need to wait for two days.
- Claims are handled faster than those of other major insurers.
- There are numerous discounts available for your benefit.
- A portion of your insurance cost benefits charities. ✓
- Some pet insurance policies stop covering certain pets after they reach a specific age.
- The state you live in dictates the restrictions on coverage.
- Pet insurance premiums are shaped by the owner's credit profile and past insurance claims. ✘
Largest Pet Insurance Companies In The United States
| Insurance Company | Estimated Market Share Percentage |
| Trupanion | 30% |
| Nationwide Mutual Insurance Company | 19% |
| Embrace Pet Insurance | 9% |
| Fetch by the Dodo | 8% |
| Pets Best Insurance | 2.4% |
| Hartville Group Inc. | 1.4% |
| MetLife Pet Insurance | 1.4% |
| Petsecure | 1.3% |
| Healthy Paws Pet Insurance | .73% |
| Pumpkin Pet Insurance | .48% |
How To Buy Pet Insurance In Pennsylvania
Obtaining pet insurance is a straightforward task, especially when using Insuranceopedia.
Before moving forward, gather necessary details such as your pet’s type, breed, age, medical history, and any relevant documents about their lineage.
Understand what pet insurance covers, and the deductible that suit your pet’s situation.
Obtain quotes from no fewer than three pet insurance providers to assist in your decision-making.
Obtain the policy and notify your vet about the new coverage.
Note: It’s a good idea to have a chat with your vet about any breed-specific health issues before getting quotes. This will often help you to pick a plan that actually covers what your pet might need down the line.
Things That Impact The Cost Of Pet Insurance In Pennsylvania
Pet owners often think their insurance premium is calculated using only a few details. In truth, many different factors affect how pet insurance works, and the cost, such as:
- Pet category (dog, cat, etc.)
- Breed
- Age of the pet
- The insurance policy selected
- Where they live
Type Of Pet
Your pet’s species can substantially change your insurance premiums. Dog owners usually face costs 2-3 times higher than those for cat owners, primarily due to dogs being more involved in outdoor activities.
Breed
The breed of your pet can impact your insurance expenses. While most dog breeds don’t greatly affect premiums, certain breeds such as boxers and bulldogs may lead to increased costs because they are prone to specific health issues.
Age
Insurance premiums are heavily influenced by your pet’s age. While some providers offer affordable rates regardless of age, others may have age restrictions for coverage. It’s important to compare options for senior pets.
Insurance Type
When purchasing pet insurance, you typically have two main choices: accident-only coverage or coverage that includes accidents and illnesses. Comprehensive plans come with a higher cost but offer more protection. Consider whether paying more is justified for the benefits.
Location
Where you live can also affect your insurance rates. Although differences between cities are usually minor, certain states may have higher premiums due to more frequent claims.
How To Find The Best Pet Insurance Company For You
Buying pet insurance is much like purchasing health or life insurance for people. While it’s important to compare rates and coverage options, first, you need to understand the basics of a policy. Insurance providers generally offer accident-only plans or broader coverage that includes illnesses. Younger pets may do well with accident-only insurance, but comprehensive plans are best for high-risk breeds. Keep an eye on waiting periods, as they vary between insurers.
Pet Insurance Discounts In Pennsylvania
Location impacts pet insurance costs in Pennsylvania, much like health insurance. To save, research discounts that providers may offer. Some possible savings include:
- Employer-provided discounts
- Savings for insuring multiple pets
- Union-based discounts
- Wholesale or special group savings
- Discounts for multiple policies
- Reduced rates for military members
- Senior discounts
- Online purchase savings
- Discounts for veterinary and pet professionals
- Service animal coverage discounts
Our Methodology
We conducted an extensive review of pet insurance options in Pennsylvania to pinpoint the most cost-effective choices. Leveraging over two decades of insurance expertise, our team provided valuable perspectives. Please note, the rates in this guide are current, but they may fluctuate daily due to factors such as your pet's age and breed.
Quotes Analyzed
Brands Reviewed
Years Of Industry Experience
Research Hours
FAQs
Do all vets take pet insurance in Pennsylvania?
Pet insurance is supported at all vet clinics in Pennsylvania, giving pet owners the ability to pay veterinary bills upfront and be reimbursed later.
How much is pet insurance in Pennsylvania?
Throughout Pennsylvania, it’s well-documented that owning a cat usually results in lower insurance costs compared to owning a dog. Cat insurance tends to average around $27.56 per month, whereas dog insurance averages $48.81.
Legally, am I required to insure my pet in Pennsylvania?
While insuring your pets is beneficial, Pennsylvania doesn’t mandate insurance for dogs or cats.
Does pet insurance cover spaying and neutering?
Not usually, but there are exceptions. Standard pet insurance policies won’t cover spaying or neutering, as they’re considered elective procedures. However, insurers offer optional plans or care add-ons that do include this coverage. These add-ons reimburse you after you pay for the procedure upfront.
