Based on our survey of major pet insurance providers, pet insurance costs average $300 annually for cats and around $553 for dogs in West Virginia, making it 14% and 13% more affordable than the national average, respectively. However, your pet's breed and age, along with your coverage choice, can make prices vary.
How Much Is Pet Insurance in West Virginia?
Updated: July 28, 2025
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Key Takeaways
In West Virginia, pet insurance for dogs is around $46 per month or $553 per year, and cat premiums are around $25 monthly or $300 annually.
According to our survey, West Virginia pet insurance costs are 13% lower for dogs and 14% lower for cats compared to the national average.
Get the best cheap pet insurance in West Virginia by researching many companies, finding the right coverage level for your furry companion and comparing multiple quotes.
How Much Does Pet Insurance Cost in West Virginia?
| Cat | $25 | $300 |
| Dog | $46 | $553 |
*These accident-only coverage rates (which cover injuries but not illnesses) apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (7-year-old cat) and a Labrador Retriever (6-year-old dog). While we included most pet insurance providers, some don't have these offerings, which we excluded for consistency.
What Factors Affect Pet Insurance Costs in West Virginia?
Below are the key factors affecting pet insurance costs in West Virginia and how influential they are. Click each factor to see pricing details.
Coverage level
Coverage level is the primary factor influencing pet insurance rates in West Virginia. Our baseline accident-only rates average $300 to $553 annually, while comprehensive accident and illness coverage ranges from $472 to $935 annually for standard parameters.
Pet type and breed
Cats and dogs cost different amounts to insure, and your pet's breed makes a big difference too. Cats are usually cheaper to insure, with annual premiums from $195 to $744, while dogs cost $553 to $1,029 per year since they tend to have more health problems and pricier vet bills.
Pet age
Insurance costs increase as pets age because they become more susceptible to health issues and injuries. In West Virginia, annual premiums range from $195 for younger pets to $1,925 for senior pets, reflecting the higher likelihood of medical claims as animals get older.
Location
Where you live affects your rates because of local vet costs and regional risks. West Virginia pet insurance runs about $86 less for dogs and $47 less for cats compared to the national average. Cities within West Virginia don't vary much though.
Your vet
When you get quotes, insurers often ask about your vet. Different vets charge different prices, which affects how much claims cost and ultimately impacts your premiums.
Average West Virginia Pet Insurance Costs by Coverage
Your coverage choice has the biggest impact on what you'll pay. West Virginia monthly prices range from $16 to $416, depending on your pet type and coverage details.
The table below shows comprehensive accident and illness coverage rates. Individual rates may vary significantly based on your pet's specific health history, your chosen veterinarian and other factors.
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$500
| Cat | $39 | $472 | -14% |
| Dog | $78 | $935 | -13% |
Average West Virginia Pet Insurance Cost by Breed
Your pet's type and breed are the second-biggest factors affecting your rates in West Virginia. Our research shows costs range from $744 to $1,029 annually, depending on your pet's breed.
Average Pet Dog Insurance Costs in West Virginia
In West Virginia, your dog's breed significantly impacts pet insurance costs, with monthly rates ranging from $42 to $199 per month. Take a look at the breed-specific rates below to find out what you can expect to pay for your furry friend.
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Dog Breed:Affenpinscher
| Affenpinscher | $86 | $1,029 |
*These rates represent policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Pet Cat Insurance Costs in West Virginia
Monthly pet insurance rates for cats in West Virginia vary significantly by breed, with costs ranging from $45 for a Domestic Shorthair to $62 for an Abyssinian, as shown in the detailed breakdown below.
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Cat Breed:Abyssinian
| Abyssinian | $62 | $744 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average West Virginia Pet Insurance Cost by Age
A pet's age is the third most significant factor in determining insurance costs in West Virginia, with annual rates ranging from $195 to $1,925 depending on your pet's age and health risks. Here's a detailed breakdown of age-based insurance costs:
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Pet Type:Cat
| Under 1 | $16 | $195 |
| 1 | $18 | $213 |
| 2 | $19 | $228 |
| 3 | $21 | $249 |
| 4 | $23 | $272 |
| 5 | $25 | $296 |
| 6 | $27 | $320 |
| 7 | $37 | $440 |
| 8 | $31 | $377 |
| 9 | $35 | $415 |
| 10 | $39 | $462 |
| 11 | $43 | $517 |
| 12 | $49 | $582 |
| 13 | $52 | $625 |
| 14 | $58 | $695 |
| 15 | $64 | $768 |
| 16 | $71 | $847 |
| 17 | $72 | $860 |
| 18 | $79 | $949 |
| 19 | $86 | $1,033 |
| 20 | $93 | $1,116 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (cat) and a Labrador Retriever (dog).
Average West Virginia Pet Insurance Cost by City
Your city barely affects pet insurance rates in West Virginia: rates stay nearly identical across different cities. Below are costs for West Virginia cities.
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Pet Type:Cat
| Charleston | $25 | $300 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (cat) and a Labrador Retriever (dog).
How to Get the Best Cheap Pet Insurance in West Virginia
To help you find the best pet insurance for the lowest price, we've created a simple step-by-step guide below.
- 1
Determine Your Coverage Needs
Before buying pet insurance, find out how much coverage you need that's both pet- and budget-friendly. Consider how much you can afford, the common health problems for your pet's breed and vet costs in your area.
- 2
Research Costs and Discounts
Research average costs for your pet and coverage level so you'll know a good deal when you see one. Pet insurance doesn't offer as many discounts as other insurance, but look for multi-pet and bundling savings where available.
- 3
Evaluate Provider Reputations
Check customer opinions on forums to get the real story about different companies. Also look at coverage options, waiting periods, and claims processes to make sure you won't hit surprises when you need to file a claim.
- 4
Compare Multiple Quotes
Get quotes from several companies to make sure you're getting the best deal. Most insurers offer quick online quotes for dogs and cats, though you'll need to call if you have an exotic pet.
- 5
Review Policy Details
Read the fine print of each policy, focusing on coverage limits, deductibles, and exclusions. Make sure you understand what conditions are covered, which are excluded, and any waiting periods before coverage begins.
Average Pet Insurance Cost in West Virginia: Bottom Line
Pet insurance costs in West Virginia are among the most affordable in the country. Expect to pay around $25 monthly for cats and $46 for dogs, though your actual costs depend on your pet's breed, age and coverage choice.
Want better rates? First figure out what coverage level works for your pet, then compare quotes from multiple insurers.
Pet Insurance Cost in West Virginia: FAQ
Find expert answers to common questions about pet insurance costs in West Virginia below:
How much does pet insurance cost in West Virginia?
In West Virginia, pet insurance costs an average of $46 per month for dogs, but depending on age, pricing ranges from $28 to $160 monthly. Insuring cats in the state costs around $25 monthly, but monthly pricing varies from $16 to $93 by age.
Is West Virginia pet insurance expensive?
West Virginia is the eleventh least expensive state for dog and cat insurance coverage, making it a budget-friendly choice for pet owners.
How should I go about buying pet insurance in West Virginia?
To buy pet insurance in West Virginia, first determine your desired coverage level, then research multiple insurers' reputations and policy details, compare quotes online and check for available discounts before selecting a plan.
How We Determined Average Pet Insurance Costs in West Virginia
All costs in this article are based on or modified from the following profile:
- $5,000 annual limit
- 80% reimbursement
- $500 deductible
- For dogs: Labrador Retriever (6 years old)
- For cats: Ragdoll (7 years old)
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.