Best Pet Insurance Companies & Plans in Delaware (2023 Review)

by | 10/31/2022

Known as both The First State and The Small Wonder, Delaware is the smallest state in the country. Many of the people who live here work for some of the state’s colleges and universities or for the state government, but others also commute to jobs in other states. The wild animals who roam through Delaware are a potential threat to your pets because those animals carry rabies and other diseases. You may also worry about the health of a new puppy you just brought home or an older dog as it ages.

A good way to get the peace of mind that you need is with pet health insurance. You can choose from plans that include preventative care such as annual check-ups and those that cover emergency care that you might need in the middle of the night or during the weekend when your regular veterinarian isn’t available. Now is a good time to consider the pet laws in Delaware as well as the cost of pet insurance and some of the things you can do with your beloved dogs.

Continue reading to learn more about the best pet insurance providers so that you can choose the best one for your needs:


Pet Laws in Delaware

Delaware requires that dog owners obtain licenses for their pets by the first of January every year. Dog wardens patrol some of the large cities and small towns. They have the right to take in any dogs that they find on the streets. If your dog has a license, the shelter will contact you and let you know that you need to pick up your pet. Pets that do not have a license can remain in the shelter until the owner presents proof of ownership and vaccinations. There are also laws that require all dogs remain on leashes when outside their homes and yards.

If you have a pit bull or a pit bull mix, you don’t need to worry that your pup is prohibited by the state. Delaware was one of the first states to eliminate laws that restrict certain dog breeds. The law also prohibits discrimination based on the look of the dog, though landlords and property owners can still prohibit you from renting apartments and homes because of your dog. Other laws ban animal abuse, neglect and cruelty, which can include dogfighting.

Delaware for Pet Owners

One of the best places you can visit with your dog is one of the top beaches in Delaware. Some of the more popular beaches prohibit dogs from the beginning of May through the end of September, but others welcome pups during those months. Most of the beaches that do not have a lifeguard on duty allow dogs. You’ll need to keep the dog on a leash and have a license on its collar during your visit.

Dogfish Head Brewery has a welcoming environment that appeals to both dogs and their owners. This brewery in Milton is one of the best places to grab a pint and watch the world go by with your four-legged friend. If the temperature is high and the sun is out, you may want to check out Woodside Farm Creamery to grab an icy treat for you and one for your dog. Rockwood is one of the state’s top cultural landmarks. Though you can’t take your dog into the on-site mansion, you can roam the grounds with your best friend.

Pet Insurance Plans in Delaware

As more than 30% of households in Delaware have at least one dog, you’re not alone in your love for canines. Many dog owners in The First State purchase pet insurance because they worry about the future. If you aren’t sure if you can afford coverage for your pets, you can check out the rates that we found. Though the cost varies quite a bit in larger states, the rates for Delaware pet owners usually only vary by a few dollars every month.

Monthly Cost of Pet Insurance in Delaware

City Cost
Middletown $29.35
New Castle $29.35
Dover $30.95
Newark $31.95
Wilmington $31.95

*To find good coverage for Delaware pet owners, we obtained quotes for a mixed breed dog of a medium size from FIGO Pet Insurance. The company considers a medium size as a dog that weighs more than 20 pounds but no more than 70 pounds. When you request a quote, you may find that yours differs based on the information you provide and the type of coverage that you want.

Delaware Low-Income Pet Help

If you have issues carrying for your dog for any reason, you can use the following resources to get some help.

Delaware Spay & Neuter Program – Offered by the state, this program offers low-cost spaying and neutering for feral and wild animals as well as your faithful companion.

Delaware SPCA – The spay and neuter clinic offered by the Delaware SPCA bases prices on the size of your dog rather than your total household income.

Faithful Friends Pet Food and Supply Bank – This nonprofit organization offers free pet supplies and food to Delaware pet owners who need help. It also offers affordable vaccinations and weekly clinics.

People Care Pet Pantry – A special program is available for homeless people who need help caring for their pets, but the organization also has a food pantry that provides food and supplies for other pet owners.

Frequently Asked Questions About Pet Insurance in Delaware

Does pet insurance cover all veterinary expenses? 

No, pet insurance won’t cover all expenses you build up at the vet’s office. However, insurance will typically cover accidents and illnesses that aren’t pre-existing. Some policies will even offer wellness and preventative care add-ons that add additional benefits to your policy, like wellness exams and vaccines.

Is buying pet insurance worth it? 

For most pet owners, pet insurance is absolutely worth it. We never know when our pet could have an unexpected accident or develop an illness, so having a backup plan in place to help pay for your pet’s vet bills is beneficial for most pet parents. Vet bills can quickly add up to hundreds, or even thousands of dollars, which many pet parents don’t have readily available. 

Having pet insurance protects you financially and gives you peace of mind that you won’t have to say no to recommended treatments to benefit your pet’s health and happiness.

Does pet insurance only cover dogs and cats? 

Most pet insurance providers only cover dogs and cats. To date, the only pet insurance provider that covers birds and exotic pets in the United States is Nationwide Insurance. Nationwide can cover your pet pig, lizard, parrot, chinchilla, and other exotic animals. Exotic pets need excellent veterinary care just as much as dogs and cats, so consider looking into a pet insurance plan for them today if you have an exotic pet. 

Our Methodology

​​Here at 365 Pet Insurance, our research team looks to examine all pet insurance policies and comes up with reviews based on:

  • Coverage
  • Plan options
  • Cost 
  • Reputation
  • Customer service 
  • Species available
  • Wellness benefits 

We’ve created a 5-star rating system to score pet insurance brands based on a 100-point scale. To develop a list of the best pet insurance plans, we looked into plans, rating coverage, claims handling, reimbursements, deductibles, and limitations. 

Each factor is weighted differently based on the following factors:

  • Monthly Pricing (25 points): How each pet insurance company charges for their plans is a crucial part of the decision-making process of the customer. Affordable rates and comprehensive coverage are the defining characteristics of providing the best pet insurance.
  • Coverage (20 points): We scored companies based on the treatments and procedures they cover. Providers offering broader coverage and more unique treatments received more points.  Pet insurance policies are not offered by all companies for older pets. Providers who have an age limit on the pets they cover were deducted points.
  • Plans (15 points): Pet insurance providers offer accident-and-illness plans, accident-only plans, wellness add-ons, and pet preventive care add-ons, so customers can choose the right plan for their pets. We also factored in costs to achieve the most comprehensible review for your pet’s needs.
  • Customization Options (10 points): You can ensure your pet only gets what they need by customizing your policy. A higher score was earned by providers who offered a greater range of annual limits, deductibles, and reimbursement rates.
  • Customer Service (10 points): We scored companies based on their website accessibility and usability, mobile apps, and grating points to companies with the most customer experience options.
  • Industry Reputation (10 points): We assessed each company’s industry reputation by reviewing up-to-date BBB ratings and accreditation information, as well as their years of experience in the industry.
  • Waiting Periods (10 points): Companies with shorter accident and illness waiting periods scored higher than companies with longer waiting periods.

Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.