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Best Pet Insurance In Pennsylvania

Pet insurance can help pet owners across Pennsylvania pay their vet bills so they can keep their animal companion safe and healthy. One of the top providers in the state is Pets Best.
Written by
Adeleine Whitten
Last Update on Jan 15, 2024

Having a pet can be an emotionally fulfilling experience, but it’s also a big financial responsibility. And with vet expenses continuing to climb, pet owners are looking for ways to affordably care for their animal companions.

One way Pennsylvania pet owners can get their furry friends the care they need is with pet insurance. Pet insurance plans can cover part or all of vet bills when pets become ill or injured – or sometimes even if they just need routine care.

Here are a few of the best pet insurance plans pet owners in Pennsylvania can enroll in:

Top Pet Insurance Providers In Pennsylvania

Best for immediate and flexible coverage

Pets Best

5
★★★★★ ★★★★★ ★★★★★
App availability
Yes
Types of pets covered
Cats and dogs
Waiting periods
3 days for accidents, 6 months for cruciate ligament issues
Maximum annual coverage:
$5,000, Unlimited
Reimbursement choices
70%, 80%, 90%
Deductible choices
$50, $100, $200, $250, $500, $1,000
Show More Details

Pros

  • Includes 24/7 telehealth service
  • Short waiting period for accidents
  • Many plan types and deductible options
  • Does not have an upper age limit
  • Does not reduce coverage for older pets
  • Can pay vet directly

Cons

  • Longer waiting period for cruciate ligament issues
Additional Details

Figo offers near immediate coverage for accidents with one of the shortest waiting periods in the market. Additionally, North Carolina pet owners can take advantage of 24/7 telehealth access and social features to connect with other pet owners locally.

Coverages:

  • Illness and injury plans
  • Optional wellness add-on
  • Optional veterinary exam fees add-on

Claims process: Online through the Figo Pet Cloud or through phone or fax

Coverage details:

  • Common illnesses such as colds and skin issues
  • Accidents and emergencies such as broken bones or vehicular injuries
  • Chronic conditions such as arthritis and diabetes
  • Hereditary and congenital disorders such as hip dysplasia and heart problems
  • Cancer treatment including radiation, chemo, and surgeries
  • Wellness and preventative care including yearly exams, vaccines, and diagnostic tests
Best for quick claim approvals

Lemonade

4.5
★★★★★ ★★★★★ ★★★★★
App availability
Yes
Types of pets covered
Cats and dogs
Waiting periods
2 days for accidents, 14 days for illnesses, 6 months for cruciate ligament events
Maximum annual coverage
$5,000, $10,000, $20,000, $50,000 or $100,000
Reimbursement choices
70%, 80%, 90%
Deductible choices
$100, $250, $500
Show More Details

Pros

  • Uses AI to speed up claim approval times
  • Various coverage options and add-ons
  • Short waiting period for accidents
  • Offers 5% annual discount
  • Offers 5% multi-pet discount
  • Offers 10% bundling discount

Cons

  • Cannot pay vet directly
  • Does not include 24/7 telehealth service
  • Longer waiting period for illnesses
  • Long waiting period for cruciate ligament issues
Additional Details

Lemonade uses the power of AI to quickly enroll pets and approve claims. Plans can be customized to fit various needs and budgets, and pet owners can get approved and reimbursed quickly after a claim using their simple app.

Coverages:

  • Base plan covers costs related to accidents and illnesses
  • Optional add-ons cover a range of additional costs and preventative care for an added premium

Claims process: Online through the Lemonade app

Coverage details:

  • Accidents and illnesses include broken bones, accidental ingestion, ear infections, diabetes, hereditary and congenital conditions, cancer, hospitalization, diagnostics, medications, and more
  • Optional add-ons include coverage for vet visit fees, physical therapy, dental, behavioral conditions, and end-of-life care and remembrance
  • Optional preventative care packages include coverage for non-emergency and routine medical costs
Best for comprehensive coverage

ManyPets

4.5
★★★★★ ★★★★★ ★★★★★
App availability
Yes
Types of pets covered
Cats and dogs
Waiting periods
15 days for accidents and illnesses, 24 hours for wellness care
Maximum annual coverage
Unlimited
Reimbursement choices
70%, 80%, 90%
Deductible choices
$100, $250, $500
Show More Details

Pros

  • Includes coverage for vet exam fees
  • Does not have an extended waiting period for cruciate ligament issues
  • Does not have any annual or lifetime maximums

Cons

  • Longer waiting period for accidents and illnesses
  • Does not include 24/7 telehealth service
  • Cannot pay vet directly
Additional Details

ManyPets covers a long list of accidents, illnesses, and conditions your pet could experience with no annual or lifetime maximums. They also include reimbursement for vet exam fees related to covered accidents or illnesses.

Coverages:

  • Accident and illness plans
  • Optional wellness coverage

Claims process: Online through the ManyPet portal or by phone

Coverage details:

  • Accident and illness plans cover vet visits, exams, diagnostic testing, prescription medications, and other costs related to conditions such as broken bones, road accidents, poisonings, sickness, disease, hereditary conditions, cancer, dental illnesses, and more
  • Wellness add-on covers costs for care such as vaccines, vitamins, supplements, dental cleanings, testing, and parasite prevention
Best for customizable coverage

Embrace

4
★★★★★ ★★★★★ ★★★★★
App availability
Yes
Types of pets covered
Cats and dogs
Waiting periods
2 days for accidents, 14 days for illnesses, 6 months for orthopedic issues
Maximum annual coverage
$5,000, $8,000, $10,000, $15,000, $30,000
Reimbursement choices
70%, 80%, 90%
Deductible choices
$200, $300, $500, $750, $1,000
Show More Details

Pros

  • Short waiting period for accidents
  • Users can customize deductible, reimbursement percentage, and annual maximum
  • Includes 24/7 telehealth service
  • Includes coverage for vet exam fees

Cons

  • Longer waiting period for illnesses
  • Long waiting period for orthopedic issues
  • Cannot pay vet directly
  • Does not offer wellness insurance
Additional Details

Pet owners who enroll in an Embrace plan can choose their coverage, deductible, reimbursement amount, and annual maximums to cover several accidents and illnesses. Additionally, they can enroll in a wellness rewards plan to help budget for preventative care.

Coverages:

  • Customizable plans cover nearly all accidents, illnesses, and conditions
  • Wellness rewards program to help budget for preventative care

Claims process:

Online through the Embrace website or app

Coverage details:

  • Accidents include broken bones, ligament tears, osteosarcoma, and more
  • Illnesses include dental illnesses, lyme disease, parasites, parasites, and other preventable illnesses
  • Conditions include cancer, arthritis, diabetes, hip dysplasia, allergies, and other breed-specific, congenital, and genetic conditions
  • Coverage includes treatments, rehabilitation, emergency care, hospitalization, surgery, specialist care, diagnostic testing, and prescription medications
Best for connecting with local pet owners

Figo

4
★★★★★ ★★★★★ ★★★★★
App availability
Yes
Types of pets covered
Cats and dogs
Waiting periods
1 day for accidents, 14 days for illnesses, 6 months for orthopedic issues
Maximum annual coverage
$5,000, $10,000, Unlimited
Reimbursement choices
70%, 80%, 90%, 100%
Deductible choices
$100, $250, $500, $750
Show More Details

Pros

  • Short waiting period for accidents
  • Includes 24/7 telehealth access
  • Includes option for 100% reimbursement
  • Includes coverage for vet exam fees
  • Includes social features and pet-friendly activity locator
  • Offers 5% multi-pet discount

Cons

  • Does not cover dental illnesses
  • Longer waiting period for illnesses
  • Long waiting period for orthopedic issues
  • Limits coverage options for older pets
Additional Details

Figo has one of the shortest waiting periods for accidents, at just 1 day. Pet owners can also use their 24/7 telehealth line to remotely ask any questions or concerns relating to their pet’s health. Finally, they can use the app’s social features to find friends and activities for their pet.

Coverages:

  • Illness and injury plans
  • Optional wellness add-on
  • Optional veterinary exam fees add-on

Claims process: Online through the Figo Pet Cloud or through phone or fax

Coverage details:

  • Common illnesses such as colds and skin issues
  • Accidents and emergencies such as broken bones or vehicular injuries
  • Chronic conditions such as arthritis and diabetes
  • Hereditary and congenital disorders such as hip dysplasia and heart problems
  • Cancer treatment including radiation, chemo, and surgeries
  • Wellness and preventative care including yearly exams, vaccines, and diagnostic tests

Exclusions And Limitations

Like all insurance plans, pet insurance comes with its own set of exclusions and limitations. For example, most pet insurance providers will not cover pre-existing conditions, although some may make exceptions for temporary illnesses that are considered curable.

In addition, any vet care that’s needed during the plan’s waiting period will not be covered. This often also applies to conditions with symptoms that began during the waiting period, as they may be considered pre-existing conditions.

Other expenses that are commonly excluded from pet insurance coverage include boarding, daycare, training, cosmetic procedures (such as ear cropping or declawing), experimental treatment, and breeding.

Cost Of Pet Insurance In Pennsylvania

The cost of pet insurance will depend on a variety of factors including your pet type, their breed, age, location, medical history, and the amount of coverage you elect – including deductible, annual maximum, and reimbursement percentage.

Although the best way to determine your estimated monthly premium is by obtaining a quote, the average cost of pet insurance in Pennsylvania are as follows:

  • Dogs: $17 – $110
  • Cats: $13 – $45
  • Exotic Pets: $10 – $100

Cost Of Pet Insurance In Pennsylvania Versus Other Regions

Cost of, demand for, and availability of veterinary services play an important role in determining how much pet insurance providers charge to enroll a pet. That being said, location is often how companies will determine that amount.

In Pennsylvania, the cost to insure dogs is almost on par with the national average, while the cost for cats is lower. Where in the state a pet resides also plays a factor – Philadelphia tends to be the most expensive, followed by Pittsburgh, then other more populous cities. 

Pet Laws In Pennsylvania

Although there is no statewide requirement for enrolling your pet in pet insurance, there are other Pennsylvania laws regarding pet ownership that should be followed at all times. Some of these laws include:

  • All dogs three months or older must be vaccinated against rabies and licensed
  • Dogs are prohibited from running at large
  • Pet owners are responsible for any damage caused by their pet

Some localities also have their own laws on pet ownership that should be followed by both residents and visitors:

Philadelphia

  • Dogs must be on a leash no longer than six feet
  • Owners must immediately clean up after their pets

Pittsburgh

  • Dogs must be on a leash no longer than six feet
  • Pet owners are limited to a total of 5 pets within city limits
  • Dogs are not permitted to run unleashed on any public property or on others’ property

Frequently Asked Questions (FAQs)

How Will I Know If My Vet Accepts My Pet Insurance?

Because most pet insurance plans work on a reimbursement model, they don’t limit which vets you are allowed to see. As long as your vet is licensed in your state, your pet insurance provider will reimburse you for care based on the details of your plan.

Will My Pet Insurance Plan Pay My Vet Directly?

There are some pet insurance plans that offer a direct-to-vet payment option. In these cases, your vet will need to sign an agreement stating they consent to being paid directly by your insurance plan. If your plan does not cover the entire bill, you will be responsible for the rest.

What Is Considered A Pre-Existing Condition In Pet Insurance?

Most pet insurance plans define a pre-existing condition as anything that your pet shows symptoms of or requires treatment for before coverage begins, including during the waiting period. Some plans may make exceptions for conditions considered curable.

How Long Will Pet Insurance Reimbursement Take?

The time your insurance provider takes to reimburse your claim will depend on a number of factors, but a typical range is 1 to 10 business days. If you submit your claim via traditional mail or if your claim is more complex, it could take longer.

You can always contact your provider directly for the most up-to-date information on the status of your claim.

Find out more

Adeleine Whitten is a seasoned writer and lifelong pet owner with extensive experience in crafting content about veterinary topics that resonates with a diverse audience. She currently works as an in-house and freelance copywriter in Cleveland, Ohio. In her spare time, you can often find her with a good book or in the Taco Bell drive-thru.