Best Pet Insurance Companies & Plans in West Virginia (2022 Review)


West Virginia is an eastern state known for the beautiful Appalachian Mountains and pretty streams and land. It’s also a state where it’s not uncommon to see residents out and about with their pets. Approximately 68% of households in West Virginia have pets.


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Pet Laws in West Virginia

  • All dogs in West Virginia must be registered and “taxed” by the time they are six months old unless the dog is a service dog.
  • West Virginia does not have a leash law, but owners are responsible for any damage their dogs may do while running at large.
  • West Virginia residents can have animals described as “wild animals” as pets as long as they have a special permit.
  • Pit bulls are banned in certain cities in West Virginia.
  • No pet owner in West Virginia may breed their pet for money unless they are a licensed breeder.
  • All dogs and cats in West Virginia must have a rabies vaccination.

Of the many pets in West Virginia, many are not altered. The state of West Virginia has been trying to encourage pet owners to have their dogs or cats spayed or neutered to prevent overpopulation. About 30% of the animals in West Virginia shelters are euthanized every year. While spaying or neutering pets may not be a law in WV, it’s highly encouraged. Low-cost clinics are available throughout the state to make it easy for pet owners to pay for the surgery.

Pet-Friendly West Virginia

Pet owners in West Virginia enjoy doing things with their pets, whether it’s hiking in the mountains with their dogs, taking them to the beach or just traveling with them. Lucky for West Virginia pet owners, this state offers many pet-friendly things to do and places to go.

  • Country Inn & Suites in Beckley – offers lodging for people and their pets of all sizes.
  • Hillbrook Inn in Charles Town – offers lodging for dogs up to 50 pounds.
  • Eleanor Dog Park at Putnam County Park – offers a dog-friendly park where dogs can walk off leash and take a quick swim
  • Black Sheep Burritos & Brew – offers delicious barbecues, pub brew and outdoor seating for pets
  • Blue Moon Café in Shepherdstown – offers pizza, salads, sandwiches and outdoor seating for dogs

There are also some pet-friendly companies that allow owners to bring their pets to work.

  • The Summit Conference Center in Charleston
  • Forks of Cheat Winery in Morgantown
  • Mountaineer Kennel Club in Morgantown
  • Harpers Ferry Tails Pet Sitting in Harpers Ferry
  • Bakers Ridge Pet Hotel in Morgantown

West Virginia Veterinary Costs

When compared to other states, West Virginia pet owners do not pay a lot for unexpected veterinary care. Pet owners in this state pay about $900 annually for unexpected vet bills. Unexpected veterinary care includes expenses that do not fall under the category of routine office visits, wellness checks and vaccinations.

However, we never know if our pet is going to have a serious injury or develop a serious life-threatening disease, and these expenses can add up quickly. These are also the type of expenses that can pet insurance can help pay for. The American Veterinary Medical Association states that pet owners can pay from $250 to $500 for an emergency visit, and this amount does not cover actual veterinary services.

  • Emergency surgery for bloat, which is a common ailment in pets, can cost about $3,000, including surgery and medication.
  • Cancer treatments, such as chemotherapy or radiation, can cost $1,000 a treatment, and dogs may require up to ten treatments.
  • A dog hit by a car can require surgery, therapy and aftercare, which can total between $2,000 and $5,000.

City/Monthly Cost for Pet Insurance in West Virginia

Pet insurance can be a very inexpensive way to ensure you’ll be able to provide your dog or cat with the best possible veterinary care if he should need it due to an illness or emergency. To give you an idea of the cost of pet insurance, I have listed the premiums from five different cities in West Virginia. The policy is for three-year-old mixed breed dog that’s medium sized. This particular policy pays 80% of covered expenses after the customer pays a $250 deductible.

City Monthly Cost
Charleston $32.59
Morgantown $32.59
Huntington $29.33
Fairmont $28.06
Kearneysville $31.18

Low-Income Pet Help in West Virginia

Here are some organizations in West Virginia that offer assistance to pet owners who may be going through a bad time financially, have low income or just needs some low-income pet help.

Monroe County Animal League, Inc. in Union – offers spay/neuter assistance

Doddridge County Humane Society – offers spay/neuter assistance to residents of Doddridge

Promise Animal League in Falling Waters – offers pet food

The National Humane Education Society in Charles Town – offers spay/neuter assistance

Kanawha-Charleston Humane Association – offers spay/neuter assistance

Help for Animals – offers spay/neuter assistance and low-cost veterinary care