Pet Insurance in Pennsylvania

​Pennsylvania is a state filled with historical and tourist attractions. Many Pennsylvania households have pets, especially cats and dogs. With this city being so busy, most pet owners realize their pets are more susceptible to danger, accidents and illnesses. Pet insurance takes away a lot of the worry about getting hit with a huge veterinary bill.

Pet Laws in Pennsylvania

Pennsylvania has many pet laws, which is necessary with so many household pets coming and going. Between the people who actually live in Pennsylvania and the thousands of tourists (with their pets) out and about on a daily basis, pet laws need to be followed by everyone. Some of the most common pet laws in Pennsylvania include:

  • All dogs must be on a leash and not allowed to run at large unless on their own property.
  • All dogs at least 3 months old must be licensed.
  • Dogs and cats at least 3 months old must have a rabies shot.
  • Pennsylvania dog sellers must provide customers with a copy of their rights under the Puppy Lemon Law.
  • Puppies may not be sold until they are at least 8 weeks old.
  • Dogs may not be tethered or chained for more than 9 hours per day and not for more than 30 minutes in temperatures over 90 degrees or under 32 degrees.

Pet-Friendly Things in Pennsylvania

Pennsylvania is filled with pet-friendly things to do, places to go and even employers who welcome pets into their place of employment.

  • Battlefield Bed & Breakfast in Gettysburg – a pre-Civil War farmhouse that offers free Wi-Fi, free breakfast and a place for your pet to stay with you
  • Four Dogs Tavern in West Chester – a family- and pet-friendly place that offers American food and a full bar
  • Lloyd Park in Downingtown – a fenced in park complete with stream, playground and a volleyball court

Here are a few of the main options available for people looking for pet-friendly employers.

  • Doggie Style Pets in Philadelphia
  • Wag! in Philadelphia
  • Partnership Group in Bluebell
  • Greenville Medical Center in Greenville
  • Honeybee Gardens in Morgantown

Pennsylvania Veterinary Costs

Pennsylvania is one of the most expensive states in terms of how much pet owners pay for veterinary care. Households with pets in Pennsylvania pay an average amount of at least $1,500 per year for unexpected veterinary care. This amount is for visits that go beyond the normal wellness checks and annual vaccinations and examinations. If your pet develops a serious illness or requires emergency services for an accident, the amount can be much higher.

  • Emergency visit – $170
  • Dental services – $540 to $840
  • Digital x-rays – $200 to $250
  • Bloodwork – $45 to $150
  • Blood transfusions – $450 to $800
  • Surgery for broken bones – $2,000
  • Chemotherapy or Radiation – $2,000 to $6,000

Monthly Cost of Pet Insurance in PA

The monthly premium for pet insurance may seem like just another unnecessary expense until you find that you really need it. To give you an idea of the cost of pet insurance, I’m listing the monthly premium for a policy on a 6-year mixed breed medium sized dog. The policy pays 70% and requires a $500 deductible. Most customers choose this policy. The premiums listed are for five different cities in Pennsylvania.

City Monthly Cost
Philadelphia $39.85
Pittsburgh $33.32
New Hope $46.28
Hershey $33.43
Villanova $46.28

Many pet owners today feel that pet insurance is a waste of money because they’ll probably never need to use it. The thing about insurance is that you don’t realize its importance until you need it and don’t have it. In the case of pet insurance, it can be the difference in being able to help your pet or not.

Low-Income Pet Help in Pennsylvania

Pennsylvania may not be the largest state in the nation, but it’s one that has many organizations available to assist pet owners with veterinary bills, pet food and spay/neuter services. These are either free or low-cost services for residents and low-income pet owners. The purpose of this is to help pet owners keep and care for their pet even if they are having a hard time financially.

ACCT Philly – offers pet food and referrals for wellness checks and low-cost spay/neuter services

Animal Friends in Pittsburgh – offers pet food and spay/neuter assistance

Forgotten Cats, Inc. in Willow Grove – offers vaccination and spay/neuter services

Humane Society of Berks County in Reading – offers pet food and veterinary care assistance

Humane Society of Harrisburg Area – pet food pantry that offers microchipping, wellness clinics and low-cost spay/neuter assistance

Humane Society of Westmoreland County in Greenburg – offers vaccination and spay/neuter assistance

Action for Animals Humane Society in Latrobe – offers spay/neuter assistance

Delaware County SPCA – offers wellness and spay/neuter services

Pet Pantry of Lancaster County – offers wellness and spay/neuter services, pet food and a community cat program

Washington Area Humane Society in Eighty Four – offers vaccination and spay/neuter services as well as emergency vet medical care assistance

Sam’s Hope in Montgomery, Bucks and Philadelphia counties – offers pet food and veterinary care assistance to pet owners having financial difficulties

Pennsylvania SPCA in Philadelphia – offers wellness and spay/neuter services

Spay/Neuter Assistance Program, Inc, in Harrisburg – offers low-cost spay/neuter services

Animal Care & Assistance Fund – offers veterinary care assistance

Animal Food Bank of the Lehigh Valley – offers pet food for families in need

The Animal Rescue of Western Pennsylvania – offers veterinary care assistance

Wilkes Barre Animal Hospital in Wilkes Barr – offers spay/neuter assistance for cats

Animal House Project – offers pet food for low-income Chester County residents