Lemonade is Ohio's best pet insurance provider for cats and dogs, delivering strong coverage options and reliable service. AKC, Pumpkin, Pets Best and Spot also rank among the state's top providers.
Best Pet Insurance in Ohio
Updated: November 7, 2025
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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
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, while Lemonade and Pets Best are top choices for certain 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 leads the best pet insurance rankings 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
In Ohio, Lemonade, Pumpkin and Pets Best offer the most affordable pet insurance for dogs, 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
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.
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 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.
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
Finding affordable pet insurance in Ohio can take some research. Here’s a step-by-step guide to help you choose the best plan for your pet:
- 1Evaluate Your Pet's Coverage Needs First
List your pet’s health needs and potential risks based on breed and age. Think about your budget and how much you’re comfortable paying each month for premiums and deductibles.
- 2Look for Available Insurance Discounts
Look for discounts such as multi-pet plans or annual payment savings. Some insurers also offer lower rates for military members and for pets that are spayed or neutered.
- 3Check Insurance Company Ratings
Read customer reviews and look at financial strength ratings for pet insurance companies in Ohio. Prioritize providers known for reliable claims handling and responsive customer service.
- 4Get Multiple Insurance Quotes
Request quotes from at least three pet insurance companies for the same coverage level. Comparing similar plans side by side helps you find the best rate.
- 5Review Your Policy Annually
Set a reminder to review your policy each year. Since costs can change as your pet gets older, comparing new quotes regularly helps you keep your coverage affordable.
Best Pet Insurance in Ohio: Bottom Line
Lemonade is our top pick for pet insurance in Ohio, while Pumpkin offers the most affordable coverage for cats. Compare several providers to find the best plan 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?
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?
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 reviewed 20 major pet insurance companies in the U.S., compared their policies, and gathered sample quotes for Ohio residents. To keep our comparisons consistent, we used this standard profile:
- $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
We designed a simple and transparent rating system to reflect what matters most to pet owners. It combines cost data, customer feedback, and policy details to give a full picture of each company’s performance:
- Affordability (50% of score): Based on proprietary quote data across different coverage levels, pet ages, and breeds. We also factored in available discounts and how they affect premiums.
- Customer experience (30% of score): Drawn from online reviews, industry ratings from trusted sources like AM Best, and real customer feedback on platforms such as Reddit.
- Coverage options (20% of score): We considered all terms, add-ons and inclusions when determining this score. Evaluated by reviewing each company’s add-ons, inclusions, and exclusions, and comparing them to common veterinary expenses to assess their value.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Trustpilot. "Lemonade Reviews." Accessed November 15, 2025.