Lemonade is Ohio's best pet insurance provider for cats and dogs, delivering strong coverage options and reliable service. Other excellent choices in the state include AKC, Pumpkin, Pets Best and Spot.
Best Pet Insurance in Ohio
Updated: September 9, 2025
Advertising & Editorial Disclosure
Key Takeaways
Lemonade offers the best pet insurance in Ohio, with monthly rates starting at $9. It combines competitive pricing with excellent customer service.
For Ohio pet owners, Lemonade provides the cheapest pet insurance for dogs at $47 per month, while Pumpkin offers the lowest cat insurance rates at $20 monthly.
Compare multiple insurance providers to find coverage that matches your pet's needs and your budget while considering both price and policy benefits.
Best Pet Insurance Companies in Ohio
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Dog or Cat:Dog
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Pet Age Group:Middle Aged
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$500
| Lemonade | 4.50 | $47 |
| AKC | 4.20 | $62 |
| Pets Best | 4.05 | $57 |
| Rainwalk | 3.95 | $65 |
| ASPCA | 3.80 | $55 |
Lemonade
Best Overall
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate for Dogs
$47Average Monthly Rate for Cats
$23Overall Reddit Sentiment
72% positiveMaximum Annual Limit
$100,000
Best Pet Insurance by Dog Breed
Overall, AKC dominates the best pet insurance rankings for most dog breeds in Ohio, while Lemonade and Pets Best stand out as top picks for select breeds. Below, you can review which companies are best for your dog in the state.
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Breed:Affenpinscher
| Pets Best | 4.35 | $25 |
| Rainwalk | 4.3 | $46 |
| AKC | 4.25 | $53 |
| Lemonade | 4.25 | $29 |
| Spot | 3.95 | $46 |
Best Pet Insurance by Cat Breed
AKC dominates the best pet insurance rankings for most cat breeds in Ohio, while Rainwalk stands out as another strong option for select breeds. Below, you can review which companies are best for your cat in the state.
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Breed:Abyssinian
| AKC | 4.5 | $38 |
| Rainwalk | 4.45 | $34 |
| Lemonade | 4.35 | $23 |
| Pets Best | 4.3 | $30 |
| Spot | 4.2 | $29 |
Cheapest Pet Insurance in Ohio
In Ohio, Lemonade offers the most affordable dog insurance at $47 per month or $568 per year. For cats, Pumpkin provides the lowest-cost coverage at $20 monthly or $237 annually.
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Dog or Cat:Dog
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Pet Age Group:Middle Aged
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$500
| Lemonade | $47 | $568 | -30% |
| ASPCA | $55 | $654 | -19% |
| Pets Best | $57 | $691 | -14% |
| Pumpkin | $58 | $692 | -14% |
| AKC | $62 | $748 | -7% |
| Figo | $63 | $757 | -6% |
| Hartville | $63 | $758 | -6% |
| Spot | $64 | $769 | -5% |
| Met Life | $64 | $770 | -5% |
| Rainwalk | $65 | $781 | -3% |
| Liberty Mutual | $72 | $860 | 7% |
| Embrace | $87 | $1,038 | 29% |
| Nationwide | $92 | $1,109 | 37% |
| Fetch | $97 | $1,158 | 44% |
Cheapest Ohio Pet Insurance by Dog Breed
In Ohio, Lemonade, Pumpkin and Pets Best offer the most affordable pet insurance for dogs, with plans starting at $16 monthly.
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Breed:Affenpinscher
| Pets Best | $25 | $308 | -50% |
| Lemonade | $29 | $348 | -44% |
| Pumpkin | $34 | $411 | -33% |
| ASPCA | $39 | $462 | -25% |
| Fetch | $43 | $522 | -15% |
Cheapest Ohio Pet Insurance by Cat Breed
In Ohio, Pets Best (13 wins), Lemonade (8 wins) and Pumpkin (8 wins) offer the most affordable coverage across cat breeds. Rates start at $14 per month for standard plans.
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Breed:Abyssinian
| Lemonade | $23 | $277 | -55% |
| Figo | $28 | $333 | -46% |
| Hartville | $29 | $349 | -43% |
| Spot | $29 | $352 | -43% |
| Pets Best | $30 | $358 | -42% |
How Much Is Pet Insurance in Ohio?
Ohio pet insurance costs average $83 monthly for dogs and $42 for cats. These rates are about 8% lower than the national average for both types of pets, making Ohio a relatively affordable place to insure your pets.
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Annual Limit:$5,000
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Deductible:$500
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Reimbursement %:80%
| Cat | $42 | $505 | -8% |
| Dog | $83 | $994 | -8% |
How to Get the Best Cheap Pet Insurance in Ohio
Finding the best cheap provider and coverage plan in Ohio can be difficult. Here's how to find the best pet insurance for your needs:
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Evaluate Your Pet's Coverage Needs First
Start by listing your pet's specific health needs and risks based on breed and age. Consider your budget and how much you can afford in monthly premiums and deductibles.
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Look for Available Insurance Discounts
Research special offers like a multi-pet plan or annual payment discounts. Many insurers offer reduced rates for military members and for spayed or neutered pets.
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Check Insurance Company Ratings
Review customer feedback and financial strength ratings of pet insurance providers serving Ohio. Focus on companies with strong track records of paying claims promptly and providing good customer service.
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Get Multiple Insurance Quotes
Request quotes from at least three different pet insurance companies for the same coverage level. This direct comparison helps ensure you're getting the best possible rate.
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Review Your Policy Annually
Set a yearly reminder to compare rates and coverage options as pet insurance costs change with age. Shopping around each year helps maintain the most affordable rate for your pet's coverage.
Best Pet Insurance in Ohio: Bottom Line
Lemonade stands out as our top choice for pet insurance in Ohio, while Pumpkin leads with affordable cat coverage. These providers excel in both quality and value. Compare multiple options to find the right coverage for your pet's needs.
Pet Insurance in Ohio: FAQ
Here are answers to frequently asked questions about Ohio pet insurance:
What are the best pet insurance companies in Ohio?
Based on our research, the leading pet insurance providers in Ohio include Lemonade, Pumpkin, Spot, AKC and Pets Best. These companies offer comprehensive coverage for your pets.
Which company has the cheapest pet insurance in Ohio?
Lemonade and Pumpkin rank among the most affordable pet insurance providers in Ohio. Monthly premiums start at $47 for dogs and $20 for cats.
How much is pet insurance in Ohio?
In Ohio, pet insurance costs $505 annually for cats and $994 for dogs. Annual premiums can range from $62 to $12,255, depending on coverage options and your pet's characteristics.
What is the best way to find the right pet insurance provider?
Start by determining your pet's specific coverage needs based on age, breed and health history. Research multiple providers' reputations through customer reviews and industry ratings. Compare policy details, coverage limits and deductibles from at least three companies. Get quotes from top-rated insurers to find competitive rates that match your requirements.
How We Found the Best and Cheapest Pet Insurance in Ohio
We researched all 20 major pet insurance providers in the United States, compared their policies and gathered quotes for Ohio residents. Here's the standard profile we used for our comparisons:
- $5,000 annual limit
- 80% reimbursement
- $500 deductible
- 6-year-old Labrador Retriever if dog
- 7-year-old Ragdoll if cat
Our Company Rating System
To ensure our ratings are accurate to pet and pet owner's needs, we simplified our rating mechanism for easy understanding and comprehensive inclusion of all available information:
- Affordability (50% of score): We used proprietary quote data for all combinations of coverage, pet ages, and breeds owned in the U.S. to compare affordability scores for all providers. We also considered discounts and how each company calculates them into your premium.
- Customer experience (30% of score): Using customer ratings we scoured across the internet, industry scores from reliable agencies like AM Best, and Reddit comment sentiment for companies to get this score.
- Coverage options (20% of score): We considered all terms, add-ons and inclusions when determining this score. We also gauged these coverage restrictions and inclusions against the most commonly needed pet medical-related costs to assess their usefulness.
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.
sources
- Trustpilot. "Lemonade Reviews." Accessed September 30, 2025.