Lemonade is the best pet insurance company for cats and dogs in Pennsylvania, delivering the highest-rated coverage for both types of pets. Other strong insurance options in the state include AKC, Pumpkin, Spot and Pets Best.
Best Pet Insurance in Pennsylvania
Updated: September 8, 2025
Advertising & Editorial Disclosure
Key Takeaways
Lemonade offers the best pet insurance for pets in Pennsylvania, with monthly rates starting at $10. It combines competitive pricing with excellent customer service.
In Pennsylvania, Lemonade provides the cheapest pet insurance for dogs at $54 per month, while Pumpkin has the lowest premiums for cats at $22.
Compare multiple insurance providers to find coverage that matches your pet's needs and your budget while considering both cost and quality of coverage.
Best Pet Insurance Companies in Pennsylvania
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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 | $54 |
| AKC | 4.35 | $67 |
| Pets Best | 4.05 | $65 |
| Rainwalk | 3.95 | $75 |
| ASPCA | 3.85 | $60 |
Lemonade
Best Overall
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate for Dogs
$54Average Monthly Rate for Cats
$26Overall 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 Pennsylvania, while Lemonade and Pets Best are 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 | $29 |
| AKC | 4.3 | $57 |
| Lemonade | 4.25 | $33 |
| Rainwalk | 4.25 | $53 |
| Spot | 3.95 | $51 |
Best Pet Insurance by Cat Breed
AKC dominates the best pet insurance rankings for most cat breeds in Pennsylvania, offering superior coverage and customer experience across breeds. Below, you can review which companies are best for your cat in the state.
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Breed:Abyssinian
| AKC | 4.5 | $42 |
| Rainwalk | 4.4 | $40 |
| Lemonade | 4.35 | $26 |
| Pets Best | 4.3 | $34 |
| Spot | 4.2 | $34 |
Cheapest Pet Insurance in Pennsylvania
In Pennsylvania, Lemonade offers the cheapest pet insurance for dogs at $54 per month or $645 per year. For cats, Pumpkin provides the most affordable coverage at $22 per month or $269 per year.
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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 | $54 | $645 | -29% |
| ASPCA | $60 | $722 | -20% |
| Pets Best | $65 | $785 | -13% |
| Pumpkin | $66 | $785 | -13% |
| AKC | $67 | $797 | -12% |
| Met Life | $69 | $822 | -9% |
| Hartville | $69 | $829 | -8% |
| Spot | $72 | $863 | -5% |
| Liberty Mutual | $74 | $893 | -1% |
| Figo | $75 | $896 | -1% |
| Rainwalk | $75 | $897 | -1% |
| Embrace | $99 | $1,182 | 31% |
| Nationwide | $109 | $1,311 | 45% |
| Fetch | $110 | $1,314 | 46% |
Cheapest Pennsylvania Pet Insurance by Dog Breed
In Pennsylvania, Lemonade, Pumpkin and Pets Best offer the most affordable dog insurance across multiple breeds, with rates starting at $18 monthly.
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Breed:Affenpinscher
| Pets Best | $29 | $350 | -49% |
| Lemonade | $33 | $395 | -43% |
| Pumpkin | $39 | $467 | -32% |
| ASPCA | $43 | $509 | -26% |
| Hartville | $49 | $588 | -15% |
Cheapest Pennsylvania Pet Insurance by Cat Breed
In Pennsylvania, Pets Best (13 wins), Lemonade (8 wins) and Pumpkin (8 wins) provide the most affordable coverage across cat breeds. Rates start at $16 per month for standard plans.
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Breed:Abyssinian
| Lemonade | $26 | $315 | -54% |
| Figo | $32 | $381 | -45% |
| Hartville | $33 | $396 | -43% |
| Pets Best | $34 | $407 | -41% |
| Spot | $34 | $407 | -41% |
How Much Is Pet Insurance in Pennsylvania?
Pennsylvania pet insurance costs average $94 monthly for dogs and $48 for cats. These rates run about 4% higher than the national average for both types of pets.
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Annual Limit:$5,000
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Deductible:$500
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Reimbursement %:80%
| Cat | $48 | $572 | 4% |
| Dog | $94 | $1,127 | 4% |
How to Get the Best Cheap Pet Insurance in Pennsylvania
Finding the best cheap provider and coverage plan in Pennsylvania 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
Consider your pet's age, breed and potential health risks before shopping for insurance. Talk with your vet about common health issues for your pet's breed to determine necessary coverage levels.
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Look for Available Insurance Discounts
Research offers like a multi-pet plan or annual payment discounts. Many insurers offer reduced rates for military members and spayed or neutered pets.
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Check Insurance Company Ratings
Check customer reviews and claim payment histories of different pet insurance providers. Focus on companies with a strong record of paying claims and providing good customer service.
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Get Multiple Insurance Quotes
Get quotes from at least three different pet insurers for comparable coverage levels. Compare deductibles, coverage limits and monthly premiums.
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Review Your Policy Annually
Set a yearly reminder to check your pet insurance rates and coverage. As pets age and rates change, switching providers could lead to savings.
Best Pet Insurance in Pennsylvania: Bottom Line
Lemonade is our top pick for pet insurance in Pennsylvania, while Pumpkin offers the most affordable coverage for cat owners. If you're insuring a dog, Lemonade offers quality coverage and competitive rates. Compare providers to find the right balance of coverage and cost for your pet's needs.
Pet Insurance in Pennsylvania: FAQ
Here are answers to frequently asked questions about Pennsylvania pet insurance:
What are the best pet insurance companies in Pennsylvania?
Pet owners in Pennsylvania can find excellent coverage through Lemonade, AKC, Pumpkin, Spot and Pets Best. These providers offer comprehensive plans for your pets.
Which company has the cheapest pet insurance in Pennsylvania?
Pumpkin and Lemonade provide the most affordable pet insurance rates in Pennsylvania. Monthly premiums start at $54 for dogs and $22 for cats.
How much is pet insurance in Pennsylvania?
Pet insurance costs in Pennsylvania average $572 annually for cats and $1,127 for dogs. Annual premiums can range from $71 to $13,908, 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 Pennsylvania
We analyzed 20 major pet insurance providers, compared their policies and gathered quotes for Pennsylvania 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 16, 2025.