Lemonade is Virginia's best pet insurance provider for cats and dogs, earning the highest ratings across both categories. Other strong options in Virginia include Rainwalk, Spot, Pumpkin, AKC and Pets Best.
Best Pet Insurance in Virginia
Updated: January 28, 2026
Advertising & Editorial Disclosure
Key Takeaways
Lemonade offers Virginia's best pet insurance, with monthly rates starting at $10. The insurer combines competitive pricing with strong customer service.
Lemonade provides the cheapest dog coverage in Virginia at $55 monthly, while Pumpkin offers the lowest cat rates at $23.
Compare multiple providers and coverage options to balance price and protection for your pet.
Best Pet Insurance Companies in Virginia
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| Lemonade | 4.50 | $55 |
| Rainwalk | 4.25 | $68 |
| AKC | 4.05 | $76 |
| Pets Best | 4.05 | $67 |
| ASPCA | 3.90 | $61 |
| Spot | 3.75 | $72 |
Lemonade
Best Overall
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Points
Average Monthly Rate for Dogs
$55Average Monthly Rate for Cats
$26Overall Reddit Sentiment
72% positiveMaximum Annual Limit
$100,000
Best Pet Insurance by Dog Breed
AKC beats other insurers for most dog breeds in Virginia. Rainwalk and Lemonade win for certain breeds. See the comparison below.
Data filtered by:
Affenpinscher
| Rainwalk | 4.34 | $47 |
| Pets Best | 4.34 | $30 |
| Lemonade | 4.25 | $34 |
| AKC | 4.25 | $65 |
| Spot | 4 | $51 |
Best Pet Insurance by Cat Breed
Rainwalk leads the pet insurance rankings for most cat breeds in Virginia, while AKC stands out for select breeds. Compare providers below to find the best coverage for your cat.
Data filtered by:
Abyssinian
| Rainwalk | 4.5 | $35 |
| AKC | 4.45 | $49 |
| Lemonade | 4.34 | $27 |
| Pets Best | 4.3 | $35 |
| Spot | 4.2 | $34 |
Cheapest Pet Insurance in Virginia
In Virginia, Lemonade offers the most affordable dog insurance at $55 per month or $662 per year. For cats, Pumpkin provides the lowest-cost coverage at $23 monthly or $276 annually.
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| Lemonade | $55 | $662 | -29% |
| ASPCA | $61 | $730 | -22% |
| Pets Best | $67 | $805 | -14% |
| Pumpkin | $67 | $806 | -14% |
| Rainwalk | $68 | $817 | -13% |
| Hartville | $70 | $835 | -11% |
| Spot | $72 | $868 | -7% |
| Figo | $76 | $913 | -2% |
| AKC | $76 | $910 | -3% |
| Liberty Mutual | $77 | $930 | -1% |
| Met Life | $82 | $989 | 6% |
| Embrace | $104 | $1,250 | 33% |
| Nationwide | $109 | $1,313 | 40% |
| Fetch | $112 | $1,348 | 44% |
Cheapest Virginia Pet Insurance by Dog Breed
Lemonade, Pumpkin and Pets Best offer the most affordable pet insurance for dogs in Virginia, with rates starting at $18 monthly.
Data filtered by:
Affenpinscher
| Pets Best | $30 | $359 | -50% |
| Lemonade | $34 | $405 | -43% |
| Pumpkin | $40 | $479 | -33% |
| ASPCA | $43 | $514 | -28% |
| Rainwalk | $47 | $569 | -21% |
Cheapest Virginia Pet Insurance by Cat Breed
Pets Best (13 wins), Lemonade (8 wins) and Pumpkin (8 wins) offer the most affordable cat insurance across breeds in Virginia. Monthly premiums start at $16 for standard coverage.
Data filtered by:
Abyssinian
| Lemonade | $27 | $323 | -55% |
| Figo | $33 | $392 | -45% |
| Hartville | $33 | $392 | -45% |
| Spot | $34 | $404 | -44% |
| Pets Best | $35 | $417 | -42% |
How Much Is Pet Insurance in Virginia?
Virginia pet insurance costs average $96 monthly for dogs and $49 for cats. Virginia's rates run 7% above the national average for both types of pets.
Data filtered by:
$5,000
$500
80%
| Cat | $49 | $587 | 7% |
| Dog | $96 | $1,157 | 7% |
How to Get the Best Cheap Pet Insurance in Virginia
Getting cheap pet insurance in Virginia takes some legwork. Here's how to find the best deal:
- 1Evaluate Your Pet's Coverage Needs First
Identify your pet’s health risks and expected vet expenses, then set a budget for premiums and deductibles.
- 2Look for Available Insurance Discounts
Look for multi-pet discounts or savings tied to annual payments. Many insurers also reduce premiums for military members and spayed or neutered pets.
- 3Check Company Reviews and Coverage
Look up what actual customers say about claims and customer service. Skip insurers with lousy reviews, even if they're cheaper.
- 4Get Multiple Insurance Quotes
Collect quotes from at least three pet insurance providers using the same coverage details. Side-by-side pricing makes differences easier to spot.
- 5Review Your Policy Annually
Set a yearly reminder to review pet insurance rates. As pets get older, premiums rise, making regular comparisons worthwhile.
Best Pet Insurance in Virginia: Bottom Line
Lemonade ranks as our top pick for pet insurance in Virginia. Pumpkin offers the most affordable cat coverage, while Lemonade provides the lowest dog rates.
Your choice depends on your pet's needs and budget. Compare at least three providers and review coverage terms before purchasing.
Pet Insurance in Virginia: FAQ
Here are answers to frequently asked questions about Virginia pet insurance::
What are the best pet insurance companies in Virginia?
Pet owners in Virginia have excellent insurance options. Top providers include Lemonade, Rainwalk, Pumpkin, Spot and Pets Best based on comprehensive coverage and service quality.
Which company has the cheapest pet insurance in Virginia?
Lemonade, ASPCA, Pumpkin and Hartville offer the most competitive pet insurance rates in Virginia. Monthly premiums start at $55 for dogs and $23 for cats.
How much is pet insurance in Virginia?
In Virginia, pet insurance costs $587 annually for cats and $1,157 for dogs. Annual premiums across the state can range from $72 to $14,265, depending on coverage options and your pet's details.
What is the best way to find the right pet insurance provider?
Determine your pet's specific coverage needs based on age, breed and health history. Research multiple providers' reputations through customer reviews and ratings.
Compare policy details, coverage limits and deductibles from at least three companies. Get quotes directly from top-rated insurers to find the most cost-effective coverage for your pet.
How We Found the Best and Cheapest Pet Insurance in Virginia
We reviewed 20 major pet insurance companies in the U.S., compared their policies, and collected quotes specifically for Virginia residents. Below is the sample profile we used for our comparisons:
- $5,000 annual limit
- 80% reimbursement
- $500 deductible
- six-year-old Labrador Retriever (for dogs)
- seven-year-old Ragdoll (for cats)
Our Company Rating System
To make our ratings clear and useful for pet owners, we based them on three main factors:
- Affordability (50% of score): We used our own quote data covering different coverage levels, pet ages, and breeds across the U.S. to compare prices. Discounts and how each company applies them to premiums were also included.
- Customer experience (30% of score): We reviewed online ratings, third-party industry scores from sources like AM Best, and general feedback from pet owners on platforms such as Reddit.
- Coverage options (20% of score): We looked at what each plan includes or limits, as well as how those benefits match common pet medical expenses.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Trustpilot. "Lemonade Reviews." Accessed February 7, 2026.