Pet Insurance
The best pet insurance in Delaware enables you to meet your pet’s veterinary expenses without incurring high out-of-pocket costs. Pet insurance provides the necessary coverage you need to take care of your pet’s unexpected and even routine medical expenses.
For pet owners who want affordable pet insurance in Delaware, MoneyGeek analyzed pet insurance quotes across the biggest cities in Delaware, including Dover, Newark and Wilmington. We have ranked the best pet insurance companies in Delaware to help you identify providers with the best rates and coverage options based on your needs.
The Best Pet Insurance Companies in Delaware
MoneyGeek carried out an in-depth analysis to find the best pet insurance company in Delaware. We collected thousands of quotes and compared product offerings from pet insurance companies In Delaware to identify providers offering the best coverage and best rates in the state. Our comprehensive analysis factored in different needs, such as pet owners looking for the best unlimited coverage and those looking to insure multiple pets.
Taking into account the affordability of a pet insurance policy in Delaware and the options available in a policy, MoneyGeek determined the best companies for pet insurance.
Best Overall Pet Insurance in Delaware for Your Pet
pros
Wellness and accident-only plans have a flat rate price that does not fluctuate based on age or breed of pet
24/7 helpline for vet consultations
Multiple customizable coverage features
cons
Does not include end of life expense coverage
COMPANY HIGHLIGHTS
MoneyGeek found that Pets Best is the best pet insurance company in Delaware. At an average cost of $26.38 per month, Pets Best offers a great combination of quality coverage and affordability among pet insurance companies in Delaware.
Pets Best pet insurance in Delaware provides comprehensive coverage with multiple customization options that allow you to choose the most suitable level of coverage for your pet. The basic plan from Pets Best includes essential coverages such as dental, surgery, hospitalization and behavioral therapy; it is sufficient on its own, but you can enhance it with optional coverages. You can choose to include alternative therapies such as acupuncture in your policy as well as wellness benefits.
Pets Best wellness benefits allow you to plan for your pet’s routine check-ups, vaccinations and other preventive care needs. This flexible add-on means that you can opt for maximum protection with a Pets Best policy or go for an accident-only plan if you want to save money.
Best Pet Insurance Company in Delaware: Unlimited Coverage
pros
Flexible coverage options
Direct veterinarian reimbursement
Discounts for insuring multiple pets
cons
Only two annual limit options
COMPANY HIGHLIGHTS
If you want the best unlimited coverage pet insurance policy in Delaware, choose Pets Best. Its unlimited pet insurance policy costs an average of $33.38 per month.
Pets Best pet insurance offers flexibility; you can choose the features and optional coverages you want to include in your unlimited coverage plan. Pets Best is also one of few providers that allow you to choose your deductible and reimbursement percentage alongside your unlimited annual coverage, giving you control over the premium amount you pay for your policy.
Apart from the basic coverage for accidents and illness-related expenses like hospitalization, surgeries, prosthetics, dental and hereditary conditions, you can include wellness coverage in your unlimited pet insurance policy in Delaware to cover routine pet needs such as vaccinations and neutering.
Best Pet Insurance Company in Delaware: Affordable Coverage
pros
Different coverage options to suit different budgets and needs
Works with all licensed veterinarians in the United States
Customizable annual limit, deductible and reimbursement rate
cons
Only two annual limit options for accident and illness coverage
COMPANY HIGHLIGHTS
Pet owners looking for affordable pet insurance in Delaware should opt for a Pets Best policy since it is the cheapest option in the state. On average, Pets Best pet insurance costs $19.38 per month and comes with a wide range of coverage features and options.
Pets Best offers comprehensive pet insurance to cover illnesses and accidents. Pets Best beats the competition by offering two wellness add-ons for routine care, which include preventive care like vaccinations and procedures like spaying or neutering.
Pets Best’s flexibility also allows you to customize your annual limit, deductible and the reimbursement level of your policy according to your budget. You can also opt to exclude optional coverages such as examination fees, acupuncture and chiropractic expenses, and prescription medication coverage to further reduce your monthly premium. That makes Pets Best a great option for affordable pet insurance in Delaware.
Best Pet Insurance Company in Delaware: Multiple Pets
pros
Age and breed do not affect the cost of wellness plans and accident-only plans
Customizable policy deductible, annual limit and reimbursement rate to suit your budget
Access to a 24/7 helpline for advice and vet consultations
Multiple pets discount
cons
None of Pets Best’s policies cover end-of-life expenses
COMPANY HIGHLIGHTS
Insuring multiple pets in Delaware can be costly, but MoneyGeek found that Pets Best has the best rate for a multiple pets policy in Delaware at an average of $23.74 monthly.
When you insure more than one pet, Pets Best gives you a 5% discount. Pets Best’s comprehensive and customizable plans also ensure that your pets get the best coverage at affordable rates. The Pets Best basic plan includes essential coverages such as dental care, hereditary and congenital conditions, behavioral conditions, cancer treatment and chronic conditions. There are additional wellness plans you can choose to include that further protect the health of your pets. These coverages make sure that your pets can receive the best vet care possible when they are ill.
Pets Best plans in Delaware have some exclusions, including pre-existing conditions and experimental therapies. You will also find that you are limited to an annual limit of either $5,000 or unlimited coverage for accident and illness plans on a multiple pets policy.
Best Pet Insurance Company in Delaware: Cats
pros
No age limit to enroll your pet
24-hour access to a live veterinarian for emergencies
No network limitations on veterinarians
cons
No exam fee coverage
COMPANY HIGHLIGHTS
Figo is the best pet insurance company in Delaware for insuring cats. A Figo pet insurance policy for a cat in Delaware costs an average of $19.74 monthly.
Figo’s cat insurance policies are comprehensive and straightforward. When you purchase a Figo policy for your cat, you have coverage for vet expenses arising from illness and accidents. The policy allows you to visit any licensed veterinary clinic or specialist clinic in the United States, Canada or Puerto Rico. Figo also allows you to customize your coverage options to create a plan that best suits your budget and cat’s needs.
Pet owners can choose their reimbursement and deductible levels for a cat insurance policy in Delaware. There’s also a wide range of optional coverages and add-ons you can include to enhance your cat insurance policy from Figo in Delaware. Examination fees, wellness, and end-of-life expenses are some of the additional coverages you can include in your policy.
Best Pets Insurance in Delaware Ranking Summary
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- RankingWinnerAvg. Monthly Cost
- OverallPets Best$26
- Unlimited CoveragePets Best$33
- Affordable CoveragePets Best$19
- Multiple PetsPets Best$24
- CatsFigo$20
What Is the Average Cost of Pet Insurance Cost for Dogs and Cats in Delaware?
The cost of pet insurance in Delaware can vary widely depending on the level of coverage, age and breed of the pet, plus other factors like location. The cost of dog pet insurance in Delaware is typically higher than the insurance cost for a cat. On average, a policy for a dog in Delaware with a $5,000 annual limit costs $28.02 per month, and a policy with a $10,000 yearly limit is $55.75 per month. Unlimited coverage pet insurance for a dog in Delaware costs an average of $52.78 per month.
Cat insurance in Delaware costs, on average, $15.39 per month for a $5,000 annual limit, $27.52 a month for a $10,000 limit, and $36.17 per month for unlimited coverage.
Average Monthly Cost of Pet Insurance in Delaware
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- Pet Insurance Policy$5k Coverage$10k CoverageUnlimited
- Average Cost for a Dog$28$56$53
- Average Cost for a Cat$15$28$36
HOW MUCH PET INSURANCE DO YOU NEED IN DELAWARE?
For pet owners in Delaware, MoneyGeek recommends $5,000 to $15,000 in annual coverage and a reimbursement rate of at least 80%. These pet insurance policy limits provide sufficient coverage in case your pet falls ill or has an accident, and you incur extensive veterinary costs to cover the treatment. With enough coverage on your pet insurance policy in Delaware, you don’t have to choose between your pet’s health and financial security.
Compare the Cheapest Pet Insurance Quotes in Delaware
Pet insurance companies in Delaware offer a range of options when it comes to annual limits, deductibles and reimbursement rates for pet insurance policies. Most pet insurance policies have the following options:
- Annual reimbursement limits ranging from $3,000 to unlimited coverage
- Deductible of $250 or $500 (some companies have higher or lower options)
- Bill reimbursement percentage at 70% to 90%
Pet owners in Delaware may opt for a cheaper and low coverage policy if they want an affordable plan that keeps the monthly premium budget-friendly. Lower coverage may also be sufficient if your pet does not need much medical coverage. However, pet owners who want full protection choose higher coverage limits or unlimited coverage. On average, the higher the coverage you select, the higher the monthly premium. But, if you want unlimited protection for your pet, regardless of cost and even if you may not need it, an unlimited policy guarantees your pet gets the care it needs. For most pet owners, MoneyGeek recommends the average coverage amounts below for pet insurance in Delaware.
Cheapest Pet Insurance in Delaware by Coverage Level
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- Maximum Policy CoverageWinner: Cheapest PolicyAvg Cost
- $5,000Pets Best$19
- $10,000Figo$39
- UnlimitedPets Best$33
Thanks to MoneyGeek’s extensive research, you can find the cheapest pet insurance companies in Delaware for a low coverage policy with a $5,000 annual limit, $500 deductible and 80% reimbursement rate in the table below. There’s also a compilation of the cheapest average coverage and unlimited coverage for pet insurance in Delaware.
Cheapest Low Coverage: $5k Annual Maximum / 80% / $500 Deductible
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- Pet Insurance CompanyLow Coverage Monthly Cost
- Pets Best$19
- Pet Plan$20
- Figo$25
Cheapest Average Coverage: $10k Annual Maximum / 80% / $250 Deductible
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- Pet Insurance CompanyAverage Coverage Monthly Cost
- Figo$39
- GEICO$47
- Embrace$47
Cheapest Unlimited Coverage: Unlimited Maximum / 90% / $250 Deductible
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- Pet Insurance CompanyUnlimited Coverage Monthly Cost
- Pets Best$33
- Healthy Paws$38
- Trupanion$52
The Best Cheap Pet Insurance by City in Delaware
Since factors such as cost of living and accident rates can vary from city to city, the cost of pet insurance in Delaware depends on where you live. Cities with a higher cost of living often have higher pet insurance rates compared to cities with a lower cost of living. In locations where weather and other hazards increase the risk factor for accidents, pet insurance rates may also be higher. Regardless of the city in Delaware that you live in, you can use MoneyGeek’s data to find cheap pet insurance.
Best Cheap Pet Insurance Companies by City
- CityCoverage Level and Average Monthly Rate
- Dover$5k: Pets Best, $19
Unlimited: Pets Best, $33
$10k: Figo, $39 - Newark$5k: Pets Best, $19
Unlimited: Pets Best, $33
$10k: Figo, $39 - Wilmington$5k: Pets Best, $19
Unlimited: Pets Best, $33
$10k: Figo, $39
MoneyGeek used city-based data in Delaware by gathering quotes for $10k coverage, 80% reimbursement, and $250 deductible for a 1-year-old Goldendoodle.
What Factors Impact Pet Insurance Cost in Delaware?
The monthly premium coverage for pet insurance in Delaware typically depends on various factors, such as the coverage level you choose, deductible, the age and breed of your pet and your location. MoneyGeek knows understanding a pet insurance policy can be difficult, so we cover the basics below.
Animal age
Since ill health is more prevalent in older pets, insuring them tends to cost more.
Pet breed
Some breeds of dogs or cats may cost more to insure than others depending on their susceptibility to hereditary and congenital health conditions.
Annual reimbursement limit
Most pet insurance policies have options on the annual reimbursement limit, ranging from $3,000 to unlimited coverage. The higher the annual limit, the higher the monthly premium is for the policy.
Deductible
Pet insurance policies come with varying deductibles, often $250 or $500. Policies with a higher deductible typically cost less than those with a low deductible.
Bill reimbursement percentage
This is the amount that the pet insurance company reimburses for vet expenses. For example, if you have a vet bill of $2,000, and the policy’s reimbursement percentage is 90%, it pays $1,800, and you pay $200.
Location
Pet insurance companies in Delaware consider where you live when quoting a policy because of factors like cost of living and the risks of accidents or extreme weather hazards.
Multi-pet discount
If you have more than one pet, you may be eligible for a multiple pet discount from an insurer.
FAQ’s About Pet Insurance in Delaware
Around 58% of households in Delaware have a pet, and the uptick of pet insurance nationwide is increasing by up to 20% yearly. That could be because pet insurance not only helps you save on vet costs when your pet is ill or has an injury but can also help you plan for routine treatments if you opt for wellness coverage.
You can save thousands of dollars with pet insurance in Delaware since the cost of treatment for conditions or injuries can be quite expensive without insurance. For example, the cost of treating a dog’s broken bone if you do not have pet insurance can be as high as $2,371, while dog cancer treatment can cost over $4,000, and for a cat, over $3,000.
Pets Best is the cheapest pet insurance company in Delaware at an average monthly cost of $19.38. However, this rate may vary depending on factors such as the age of your pet, breed, location and the coverage level selected.
The average cost of pet insurance in Delaware is $55.75 for a policy with a $10,000 annual limit if you are insuring a dog and $27.52 per month if you are insuring a cat with a $10,000 yearly limit. These rates do vary depending on the annual limit and other factors like deductible, location and pet age.
Pets Best is the best pet insurance company in Delaware. Pets Best has the best policy for unlimited coverage, multiple pets, and for those looking for the most affordable pet insurance in Delaware. For pet owners looking to insure a cat, Figo is the best pet insurance company in Delaware.
MoneyGeek's Rating Methodology for Pet Insurance
MoneyGeek believes that data helps us make better financial decisions. For pet insurance, our data team spent countless hours gathering thousands of pet insurance quotes across the 13 largest providers to guarantee you find the most affordable policy to meet your pet’s needs.
To determine the best pet insurance companies in Delaware, MoneyGeek built a detailed rating system by analyzing each company’s product offerings and prices. For the MoneyGeek rating score, we weighted affordability by coverage level at 50% of the total score and weighted our 24 qualitative research policy option data points at 50%.
To determine the cheapest pet insurance companies in Delaware and our affordability scores for our best rankings, MoneyGeek gathered quotes by company across many zip codes in Delaware for four pet types with the following coverage levels:
- Low coverage: $5,000 annual coverage, $500 deductible, 80% reimbursement
- Average coverage: $10,000 coverage, $250 deductible, 80% reimbursement
- High coverage: Unlimited coverage, $250 deductible, 90% reimbursement
About Mark Fitzpatrick
sources
- Care Credit. "Average Costs: Veterinary Care." Accessed December 2, 2021.
- AVMA. "AVMA Pet Ownership and Demographic Sourcebook." Accessed December 2, 2021.
- Pets Best. "Pet Health Insurance Coverage for Dogs and Cats." Accessed December 1, 2021.
- Figo Pet Insurance. "How Cat Health Insurance Works." Accessed December 2, 2021.
Pet Insurance
