The Best Pet Insurance in Ohio (2024)

For Ohio pet owners who prefer to manage their pet’s policy from a smartphone, Lemonade is a good option. Lemonade earned 4.8 out of 5 stars based on our pet insurance methodology and is one of our highest-rated providers, offering competitive accident and illness coverage that won’t break the bank.

However, Lemonade has a maximum enrollment age of 14 years for most breeds and requires that all pets receive a physical exam before enrollment. Lemonade does not offer an accident-only policy, and its accident and illness policy is not comprehensive. You can customize your policy with add-on coverage but it will increase your monthly premium.

Lemonade’s base plan covers accidents and illnesses, including vet bills related to diagnostic tests, procedures, non-elective surgeries, prescription medications and more. The standard plan does not include veterinary exam fees, dental illness coverage, physical therapy, behavior therapy or end-of-life care, but you can add coverage for an additional cost.

The average cost of a Lemonade pet insurance plan is $20 per month for Ohio pet owners. This price is based on quotes we gathered for a 5-year-old medium, mixed-breed dog, a 2-year-old golden retriever, a 5-year-old mixed-breed cat and a 2-year-old Siamese cat.

Based on data we collected about the average annual cost of pet ownership in Ohio, including an analysis of vet visits, medication, emergency visits and vaccine costs, a Lemonade pet insurance plan could save you approximately $609 per year. The following chart displays the average cost of Lemonade pet insurance for Ohio pets:

Lemonade also has optional add-on packages for an extra cost that allow you to customize your coverage, including:

• Preventive care: Adding preventive care will increase the base plan by $10–$16 for cats and $16 to $26 for dogs, depending on the level of coverage you select
• Exam and consultation fees: Adds $3 to $7 per month
• Physical therapy: Adds $1 to $2 per month
• Dental cleaning: Request a quote for pricing information
• Spay or neuter procedures: Available for pets up to 2 years old; request a quote for pricing information

Spot earned 4.5 out of 5 stars and is our top pick for customization. Its comprehensive base plan includes services that other companies only offer as add-ons, such as microchip implantation, vet exam fees, virtual vet visits and alternative therapies. Plus, budget-conscious Ohio pet owners can tailor their deductible and coverage limits to lower monthly premiums.

For an average of $49 per month, Ohio pet owners can invest in a Spot insurance plan while saving approximately $197 per year. We determined savings by comparing data we collected about the average annual cost of pet ownership in Ohio — including vet visits, medication, emergency visits and vaccines — and the service coverage a Spot pet insurance plan provides.

The below chart shows the average cost of a Spot insurance plan for dogs and cats in Ohio:

Spot offers an accident-only plan, which costs an average of $25 per month for dogs and $14 per month for cats. The company also offers two preventive care plans, the Gold and Platinum packages. Pricing varies depending on your selection but could cost an extra $10 to $25 per month.

Embrace is our top pick for savings, earning 4.7 out of 5 stars. We placed it among our most recommended companies because of its affordable rates and discount options. Potential savings available for Ohio pet owners include veteran and multi-pet discounts, plus the company will lower your deductible by $50 for each year you go without filing a claim.

Based on data collected by our team, the average cost of an Embrace pet insurance plan for Ohio pet owners is $56 per month. Compared to the average annual cost of pet ownership in Ohio, Ohio pet owners could save approximately $178 each year with Embrace. The following chart shows the average cost for an Embrace policy:

Embrace also offers a few coverage add-ons, including:

• Preventative care plan: Increases base plan rate by $19 to $52 per month, depending on the wellness plan you choose. The low-end option reimburses up to $250 per year for preventive services, and the high-end plan reimburses up to $650 per year.
• Exam fees: Adds $4 per month
• Prescription drugs: Adds $4 to $5 per month

Unlike some other companies that limit annual payouts, Healthy Paws provides unlimited annual coverage for approved services. For this reason, along with its comprehensive and flexible coverage, we gave Healthy Paws 4 out of 5 stars.

However, since Healthy Paws does not offer routine care add-ons or customizable benefits for pets older than 6 years old, it may be less appealing for owners of senior pets.

The average cost of a Healthy Paws pet insurance plan for Ohio pet owners is $37 per month. Based on data we collected about the average annual cost of pet ownership in Ohio, a Healthy Paws pet insurance plan could save you approximately $412 per year. The chart below includes average dog and cat costs for a Healthy Paws plan.

Fetch earned 4.3 out of 5 stars and is our pick for special perks. Fetch offers comprehensive therapy coverage, which covers alternative treatments that other providers often exclude, including laser therapy, acupuncture, hydrotherapy and homeopathy. This coverage is especially helpful for older pets with chronic conditions and pet owners looking for more well-rounded treatment options.

The average cost of a Fetch pet insurance plan for Ohio pet owners is $78 per month, which is more expensive than the other providers we reviewed. Fetch is a good option for owners with pets at high risk for certain hereditary diseases included in the company’s coverage. However, not all policyholders will save money with a Fetch pet insurance plan.

Fetch offers three wellness add-ons, Essentials, Advantage and Prime. Pricing varies depending on your selection.

Figo earned 4.7 out of 5 stars and is our choice for the most flexible reimbursement rates. Figo Pet Insurance offers three customizable plans with diminishing annual limits, including an unlimited coverage option. Figo’s unique Pet Cloud app makes it easy to upload medical records and sends health reminders and social connections to pet owners. Customers can choose a preferred way to receive support, including online or through text, phone or the Pet Cloud app.

While the cost will vary based on location, breed, age and species, most Ohio pet owners can expect to pay an average of $37 per month for a Figo pet insurance plan. Based on data we collected about the average annual cost of pet ownership in Ohio, a Figo pet insurance plan could save you approximately $406 per year. The following chart explains the average cost of a Figo policy in Ohio:

Add-ons available from Figo include:

• Upgraded accident and illness plans: Figo offers three accident and illness plans, Essential, Preferred and Ultimate. Pricing varies depending on your selections.
• Preventive care: Two wellness plans, Basic and Plus, are available. The Basic plan adds $10 to your monthly premium and the Plus plan adds $17.
• Vet exam fees: Adding coverage for exam fees will increase your monthly premium by $6 for cats and $11 for dogs.