Best Pet Insurance Companies & Plans in West Virginia (2023 Review)

by | 11/03/2022

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.

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


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.


Monthly Cost











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

Frequently Asked Questions About Pet Insurance in West Virginia

Do pet insurance policies have waiting periods?

Yes, pet insurance policies more than always have waiting periods. between your initial enrollment period and when coverage officially begins for the plan. Across most providers, the standard is around 14 days for accidents and illnesses, but some others, including Lemonade and Embrace, can shorten your waiting period to as low as two days for accidents.

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.

How do I get reimbursed for a vet bill?

Simply take your cat to any licensed veterinarian and submit your claim. Depending on your provider, you can submit your claim through its mobile app, online member center, or through the mail. Then, you’ll wait for your provider to approve the claim. Once approved, it will reimburse you for the allocated amount in your pet insurance policy through direct deposit or check.

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.