The Best Pet Insurance in Pennsylvania (2024)

Lemonade tops our list of Pennsylvania pet insurance providers because it offers fast, cost-efficient service. It uses artificial intelligence (AI) for quick response times for both policy applications and claims — even approving some claims instantly. The company’s use of AI also allows it to cut costs in other areas and pass the savings on to customers. However, like all providers, Lemonade excludes coverage for pre-existing conditions or health issues that occur during the waiting period.

Keep in mind that Lemonade’s baseline pet insurance coverage is basic, which means you might need to tack on a few add-ons to get the coverage you need.

To find the average cost of pet insurance plans from each provider, we collected sample quotes based on four types of pets: 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. Our findings showed that the average cost for a Lemonade plan in the Coal State is $23 per month.

When we added up the annual cost of premiums and compared it to estimated annual pet ownership expenses in the state, including vet visits, emergencies, vaccines and medications, we determined policyholders could save $621 per year.

Lemonade allows customers to customize their base plan with add-ons suited to their pet’s needs. Available add-ons and associated average fees include:

• Exam fees: $3–$6 per month
• Dental illness: $13 per month for dogs and not available for cats
• Behavioral conditions: $3–$4 per month
• Physical therapy: $1–$2 per month
• End-of-life remembrance: $2–$4 per month
• Wellness plans: $18–$27 per month for dogs and $11–$18 per month for cats

Spot earned 4.5 out of 5 stars in our review and offers the best customization options of any provider on our list. Pennsylvania policyholders can choose from plenty of deductible, annual limit and reimbursement options, letting you fine-tune coverage and achieve the exact monthly premium that works for your budget.

Spot’s base accident and illness plan is comprehensive, covering diagnostics and treatments for injuries, chronic diseases, hereditary conditions, behavioral illnesses and dental diseases. Coverage also includes exam fees — a somewhat rare perk.

Based on our research, the average cost for a Spot pet insurance plan in Pennsylvania is $15 per month.

When we compared annual premium costs to estimated annual pet ownership expenses, including veterinary visits, emergencies, vaccines and medications, we determined Spot policyholders could save $718 per year.

If you’re looking for accident-only coverage, it’s worth checking out Spot’s low-cost accident-only plan, which costs about $10 per month for dogs and $7 for cats. To get coverage for routine care, such as spay or neuter surgery and vaccines, customers may choose the Gold Plan for $10 per month or the Platinum Plan for $25.

Embrace earned 4.5 out of 5 stars and is our pick for savings in Pennsylvania. Military veterans and those with multiple pets can score discounts to lower costs. Plus, anyone can benefit from its premium discount program — if your reimbursed claims do not exceed $300 in your first year as a policyholder, you get a 5% premium discount. The discount goes up to 10% in your second year.

Embrace offers nearly as many customization options as Spot and provides top-tier coverage with few limitations or restrictions. Notably, policyholders can waive the orthopedic waiting period with a timely veterinary exam. Policyholders can also take advantage of flexible wellness rewards.

Based on our research, the average cost for an Embrace pet insurance plan in Pennsylvania is $58 per month.

Comparing annual premium costs to estimated annual pet ownership expenses, including vet visits, emergencies, medication and vaccines, we noted policyholders could save $200 per year.

When you request a quote from Embrace, you’ll notice two optional coverages — exam fees and prescriptions — toggled to the “on” position. Pennsylvania pet owners can opt out of these coverages and save around $5 to $7 per option. Flexible wellness rewards are available with $250, $450 or $650 in annual benefits, costing an extra $18 to $52 per month.

Pets older than 15 years will not qualify for accident and illness coverage but can enroll in accident-only coverage. This option is also available for younger pets but customers will have to call Embrace to sign up.

ASPCA Pet Health Insurance earned 4.5 out of 5 stars and is our pick for senior pets, with no upper age limits for enrollment. In business since 1997, the company has processed more than 2.2 million claims and served more than 600,000 pets, according to its website.

ASPCA Pet Health Insurance offers several plan options and coverage levels for a wide range of Pennsylvania pet needs. Its flexible plan options, combined with its long-standing industry reputation, make it a solid choice for Pennsylvania pet owners.

According to our research, the average cost of an ASPCA Pet Health Insurance plan in the Keystone State is $25 per month.

When we compared annual premium costs to estimated annual pet ownership expenses, we found that policyholders could save $593 per year.

ASPCA Pet Health Insurance also offers an accident-only plan option, which costs an average of $20 per month for dogs and $10 for cats. For routine wellness care coverage, pet owners can choose from two preventive care plans for $10 or $25 per month.

Read our ASPCA Pet Health Insurance Review to learn more.

Healthy Paws earned 4.2 out of 5 stars based on our review and a spot on our list because it offers unlimited coverage at an affordable rate. Other plans that offer unlimited coverage may charge a higher premium, but Healthy Paws takes steps to keep premiums low. However, the company offers reduced coverage for senior pets and has exclusions for hip dysplasia. The company also does not offer wellness care plans to help pet owners save on routine care costs.

According to sample quotes we collected, the average cost of a Healthy Paws plan in the Coal State is $31 per month.

Comparing annual premium costs to estimate annual pet ownership expenses, including vet visits, emergencies, vaccines and medications, we found policyholders could save $530 per year.

Read our Healthy Paws Pet Insurance Review to learn more.

Figo received 4.5 out of 5 stars and stands out as our pick for the most flexible reimbursement rates. Figo offers a 100% reimbursement option in Pennsylvania, although the rate must be combined with a high deductible.

Like Lemonade, Figo is tech-focused, leveraging AI and its Pet Cloud app for claims submission with a few clicks. But unlike Lemonade, human claims adjusters still review each claim. Additionally, the company does not include exam fees and prescription food in standard coverage, but coverage is available for an additional monthly fee.

Based on our research, the average cost of a Figo plan in Pennsylvania is $49 per month.

When we compared annual premium costs to estimated annual pet ownership expenses, including veterinary visits, emergencies, vaccines and medications, we found policyholders could save $312 per year.

Figo has a few available add-ons to round out coverage, including exam fees and prescription food for an additional $6 to $14 per month and two wellness options for an extra $10 or $17.