Investing in pet insurance in West Virginia can help you save money on unexpected vet bills. Find coverage for pet accidents and illnesses today.
The Best Pet Insurance Companies in West Virginia (2024)
Updated:
Apr 1, 2024
Written by
Alexandra Carver
Alexandra Carver
Edited by
Tori Addison
Tori Addison
After extensive research on costs, available coverage, customer service and more, the MarketWatch Guides team named Spot our top pick for pet insurance in West Virginia. Learn more about Spot and our other top-recommended providers in this comprehensive review.
Our Rankings of Pet Insurance Providers in West Virginia
Our top picks for the best pet insurance companies in West Virginia are:
- Spot: Our top pick
- Embrace: Our pick for savings
- Healthy Paws: Most affordable unlimited coverage
- ASPCA Pet Insurance: Our pick for older pets
- Fetch by The Dodo: Our pick for comprehensive coverage
- Figo: Most flexible reimbursement rates
Did You Know?
5,534 pet owners requested and received a free no-obligation quote from one of the above companies in the last 30 days.
What’s the Best Pet Insurance in West Virginia?
After researching pet insurance providers in West Virginia, we chose Spot as the best provider in the Mountain State.
Spot Pet Insurance
Most Customizable Coverage
Annual Limits $2.5k-Unlimited
Deductibles $100-$1k
Reimbursement Rates 70%-90%
MONTHLY COST
$33-$79
Embrace
Our Pick for Savings
Annual Limits $5k-$30k
Deductibles $200-$1k
Reimbursement Rates 70%-90%
MONTHLY COST
$31-$61
Healthy Paws
Most Affordable Unlimited Coverage
Annual Limits Unlimited
Deductibles $250-$1k
Reimbursement Rates 50%-80%
MONTHLY COST
$21-$42
ASPCA Pet Health Insurance
Our Pick for Older pets
Annual Limits $3k-$10k
Deductibles $200-$500
Reimbursement Rates 70%-90%
MONTHLY COST
$16-$43
Fetch Pet Insurance
Our Pick for Comprehensive Coverage
Annual Limits $5k-$15k
Deductibles $250-$500
Reimbursement Rates 70%-90%
MONTHLY COST
$20-$30
Figo
Most Flexible Reimbursement Rates
Annual Limits $5k-Unlimited
Deductibles $100-$1.5k
Reimbursement Rates 70%-100%
MONTHLY COST
$41-$81
Compare the Top Pet Insurance Providers in West Virginia
When looking for an insurance policy for your pet, we encourage you to compare different providers and plans. Every pet has different needs, and pet insurance is not a one-size-fits-all purchase. See the chart below for a direct comparison of our top picks for pet insurance providers in West Virginia.
| Company | Monthly Cost | Star Rating | Accident Waiting Period | BBB Rating | Visit Site |
|---|---|---|---|---|---|
| $34-$75 | 14 days | A- | |||
| $39-$73 | 48 hours | A+ | |||
| $24-$54 | 15 days | A+ | |||
| $18-$44 | 14 days | N/R | |||
| $45-$90 | up to 15 days | A+ | |||
| $25-$54 | 1 days | B |
| Company | BBB Rating | Monthly Cost | Star Rating | Accident Waiting Period | Visit Site |
|---|---|---|---|---|---|
| A- | $34-$75 | 14 days | |||
| A+ | $39-$73 | 48 hours | |||
| A+ | $24-$54 | 15 days | |||
| N/R | $18-$44 | 14 days | |||
| A+ | $45-$90 | up to 15 days | |||
| B | $25-$54 | 1 days |
How Much Does Pet Insurance Cost in West Virginia?
Our research team found the average cost of pet insurance in West Virginia is $27 per month for cats and $57 for dogs. However, your exact costs will vary based on your pet’s breed, age, location, species and more.
To get an idea of what the average pet insurance policy costs in the Mountain State, we gathered quotes from 11 different providers using the following pet profiles:
- A 5-year-old medium, mixed-breed male dog
- A 2-year-old large, golden retriever female dog
- A 5-year-old mixed-breed, male cat
- A 2-year-old Siamese female cat
As mentioned, what you pay for insurance will vary depending on factors associated with your pet and your chosen plan and provider. Where you live in West Virginia can also affect your overall costs. For example, if you live in Charleston, Huntington or Morgantown, you may pay more due to the higher cost of veterinary care in more populated cities.
See the table below for pet insurance costs in West Virginia across all the providers we’ve reviewed.
| Provider | Dog Insurance | Cat Insurance |
| Lemonade | $37 | $17 |
| Spot | $62 | $27 |
| Embrace | $75 | $39 |
| Healthy Paws | $45 | $18 |
| Fetch | $33 | $22 |
| Figo | $42 | $19 |
| Pets Best | $50 | $24 |
| Paw Protect | $76 | $40 |
| ASPCA Pet Health Insurance | $34 | $13 |
| ManyPets | $26 | $13 |
| Trupanion | $143 | $63 |
What’s the Cheapest Pet Insurance in West Virginia?
Our research team found that the cheapest pet insurance providers in West Virginia include ASPCA Pet Insurance, ManyPets and Lemonade. While only ASPCA Pet Health Insurance made our list of the best pet insurance providers in the state, cheaper does not necessarily mean better. We encourage you to consider factors beyond cost — such as coverage, restrictions and customer services — before choosing a plan from a specific provider.
How To Choose the Best Pet Insurance in West Virginia
When choosing pet insurance in West Virginia, we recommend you start by noting your pet’s unique needs and your budget. From there, we encourage you to gather quotes from multiple providers, comparing the value of the coverage to the cost. Factors to consider while shopping for a policy include:
- Coverage and plan types: You can find accident-only plans and accident and illness coverage from providers in West Virginia. Both plans cover unexpected expenses related to accidents and emergencies, but accident and illness policies also include treatments if your pet gets sick. Many providers also offer wellness and vet exam fee add-ons as extra coverage.
- Policy fine print: Read through a policy’s fine print to fully understand what a pet insurance plan does and does not cover. Contact a customer service representative for assistance if you have any questions regarding coverage, exclusions or limitations. We also recommend noting a policy’s waiting periods, or a delay before coverage kicks in.
- Customization: Most providers offer customization options that allow you to adjust your pet’s coverage and total plan costs. Plans that allow you to choose your deductible, reimbursement rate and annual coverage limit allow for more flexibility during the sign-up process, helping to ensure you find the right protection for your pet.
- Customer satisfaction: Reading reviews on platforms such as the Better Business Bureau (BBB) and Trustpilot can give you a general sense of the customer service offered by a pet insurance provider.
Note that insurance laws vary from state to state. The laws in West Virginia may influence your area’s available plans and providers. Gathering quotes is the best way to confirm if a pet insurance company offers policies in your area.
Pet Laws in West Virginia
Pet laws in West Virginia were created to regulate pet ownership while ensuring the safety of both domesticated animals and residential communities. Common laws in most U.S. states include rabies vaccination requirements, animal cruelty punishments and more.
Notable pet laws that apply to the greater West Virginia area include mandatory reporting of suspected animal cruelty by protective service workers, restrictions on unlawful hunting of deer using dogs, and a prohibition against knowingly owning a dangerous dog.
Charleston Pet Laws
- No animal of any kind is allowed on a tennis court, fenced recreation field or athletic field at any time, whether restrained or not.
- Free-roaming cats are allowed in Charleston if spayed or neutered, microchipped, properly vaccinated, ear-tipped and deemed healthy by a veterinarian.
- If an animal damages property, attacks or becomes a nuisance, it is assumed the animal was not under physical restraint or on a leash.
Huntington Pet Laws
- Any dog not leashed is considered running at large, and the owner is liable if the animal inflicts any damage toward people or property.
- Residents must pay taxes on July 15 of each year for each dog owned or kept by a person. A tax tag must always be attached to a dog’s collar.
- Tethering an unsupervised dog with a chain, rope, cable or similar restraint is unlawful.
Morgantown Pet Laws
- Cats can only run at large if wearing some form of identification.
- Concealing a dog to avoid taxation is unlawful.
- Failing to remove waste left by your pet on public property results in a fine of $25.
Is Pet Insurance Worth It in West Virginia?
Deciding if pet insurance is worth it in West Virginia is a personal decision. Emergency vet bills could cost you thousands of dollars out-of-pocket without pet insurance. A pet insurance policy is worth considering if you’re looking for financial peace of mind in case of such an emergency. However, it is important to consider your budget, pet needs and the cost of a plan before deciding to purchase a policy.
We’ve named Spot the top pet insurance provider in West Virginia, but each provider on our list offers plans worth considering. Since no plan is a one-size-fits-all, we encourage you to gather multiple quotes from different providers and compare options based on your pet’s unique needs.
Frequently Asked Questions About Pet Insurance in West Virginia
Coverage for injuries caused by wildlife may fall under accident-only and accident and illness policies offered by a pet insurance provider. It’s best to consult a customer service representative about whether or not a specific scenario falls within coverage terms.
Yes, many comprehensive pet insurance plans offer prescription medication coverage. You can read a pet insurance sample policy to better understand any stipulations.
Common exclusions for pet insurance plans include veterinarian costs associated with breeding, pregnancy, elective procedures, experimental treatments and more. Most pet insurance providers also exclude coverage for pre-existing conditions or health issues your pet had before enrolling in coverage. Check with your insurance provider for a detailed list of exclusions.
Many pet insurance providers in West Virginia offer add-on plans that cover routine wellness services, such as annual vet visits and parasite treatments. We encourage you to read through each provider’s offerings to learn more.
How We Ranked the Best Pet Insurance Providers in West Virginia
To rate and rank the best pet insurance providers in West Virginia, we used a methodology that scores each provider on a 100-point scale in areas such as monthly pricing, plans offered, covered treatments, customization options, customer care and more. This score is then converted to a 5-star rating, which helps us determine how we rank providers.
In addition, we consider data from our Pollfish survey of 1,000 pet owners nationwide to learn more about experiences with pet insurance in West Virginia. Finally, we analyzed average costs to insure pets in the Mountain State by collecting sample quotes for the following pet profiles:
- A 5-year-old medium, mixed-breed male dog
- A 2-year-old large, golden retriever female dog
- A 5-year-old mixed-breed, male cat
- A 2-year-old Siamese female cat
To learn more about our ratings strategy, key rating principles and review process, visit our full pet insurance methodology and editorial guidelines pages.