Lemonade is Ohio's best pet insurance provider for cats and dogs, with competitive rates and strong customer service. AKC, Pumpkin, Pets Best and Spot also rank among the state's top providers.
Best Pet Insurance in Ohio
Updated: December 29, 2025
Advertising & Editorial Disclosure
Key Takeaways
Lemonade offers the best pet insurance in Ohio, with monthly rates starting at $9. You'll get low premiums and strong customer service.
Lemonade provides the cheapest pet insurance for dogs at $47 per month. Pumpkin has the lowest cat insurance rates at $20 monthly.
Get quotes from several insurers to find coverage matching your pet's needs and budget.
Best Pet Insurance Companies in Ohio
Data filtered by:
Dog
Middle Aged
$5,000
80%
$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 Points
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
AKC ranks highest for most dog breeds in Ohio. Lemonade and Pets Best work well for specific breeds.
Data filtered by:
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 ranks highest for most cat breeds in Ohio, with Rainwalk as another strong option for select breeds.
Data filtered by:
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.
Data filtered by:
Dog
Middle Aged
$5,000
80%
$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
Lemonade, Pumpkin and Pets Best offer the most affordable pet insurance for dogs in Ohio, with plans starting at $16 monthly.
Data filtered by:
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
Pets Best is the cheapest option for 13 cat breeds in Ohio, while Lemonade and Pumpkin each lead for eight breeds. Rates start at $14 monthly for standard plans.
Data filtered by:
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 averages $83 monthly for dogs and $42 for cats. These rates are about 8% lower than the national average, making Ohio a relatively affordable state for pet insurance.
Data filtered by:
$5,000
$500
80%
| Cat | $42 | $505 | -8% |
| Dog | $83 | $994 | -8% |
How to Get the Best Cheap Pet Insurance in Ohio
Shopping for pet insurance in Ohio takes some research. Follow these steps to find the best plan for your pet:
- 1Evaluate your pet's coverage needs
List your pet's health needs and potential risks based on breed and age. Consider your budget and monthly payment capacity for premiums and deductibles.
- 2Find discounts
Look for discounts such as multi-pet plans or annual payment savings. Some insurers offer lower rates for military members and spayed or neutered pets.
- 3Check insurance company ratings
Read customer reviews and financial strength ratings for pet insurance companies in Ohio. Prioritize providers known for reliable claims handling and responsive customer service.
- 4Compare multiple quotes
Get quotes from at least three pet insurers for the same coverage level. Compare similar plans to find the best rate.
- 5Review your policy annually
Set a reminder to review your policy each year. Costs change as your pet ages, so comparing new quotes regularly helps you keep coverage affordable.
Best Pet Insurance in Ohio: Bottom Line
Lemonade is our top pick for pet insurance in Ohio. Pumpkin offers the most affordable coverage for cats. Get quotes from several providers to find the best plan for your pet.
Pet Insurance in Ohio: FAQ
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.
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?
Pet insurance in Ohio 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?
Determine your pet's coverage needs based on age, breed and health history. Check customer reviews and industry ratings to assess each provider's reputation. Compare policy details, coverage limits and deductibles from at least three companies, then get quotes to find competitive rates.
How We Found the Best and Cheapest Pet Insurance in Ohio
Pet insurance pricing in Ohio varies by provider, and reviews alone don't tell you which companies offer real value. We gathered quotes from 20 major insurers using identical coverage specs to find which providers balance affordability with comprehensive protection for Ohio pet owners.
Our Sample Profile
We requested quotes using consistent coverage parameters to ensure accurate comparisons:
- $5,000 annual limit with 80% reimbursement and a $500 deductible
- 6-year-old Labrador Retriever for dog insurance quotes
- 7-year-old Ragdoll for cat insurance quotes
Rating Methodology
Our scoring weighs the factors that impact your wallet and your pet's care:
Affordability (50%): We compared premiums across coverage levels, pet ages and breeds. Discount availability affects this score since multi-pet savings and annual payment options significantly reduce costs.
Customer experience (30%): Real customer feedback matters more than marketing promises. We analyzed online reviews, AM Best financial ratings and Reddit discussions where pet owners share unfiltered experiences with claims processing and customer service.
Coverage options (20%): Plans look similar until you read the fine print. We reviewed each insurer's add-ons, exclusions and coverage limits, then cross-checked them against common veterinary expenses to identify which policies actually pay when your pet needs care.
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 January 6, 2026.