Pet Insurance in Pennsylvania: Compare the Best Pet Insurance Companies and Most Affordable Quotes

Are you looking for pet insurance in Pennsylvania? MoneyGeek analyzed policy details, coverage options, and thousands of quotes to help you find the best pet insurance companies in Pennsylvania with affordable rates.

Last Updated: 3/13/2022
Advertising & Editorial Disclosure
By     |  

Treating pet illnesses and injuries is not cheap in Pennsylvania. That’s why pet owners who want the best for their furry friends should think of investing in pet insurance as a way to reduce their veterinary expenses.

However, not all pet insurance policies are the same. While some companies have high premiums, others offer more affordable insurance coverage. MoneyGeek collected data from some of the biggest pet insurance companies serving the top cities in Pennsylvania, such as Allentown, Philadelphia and Pittsburgh. We analyzed and compared their costs, benefits and coverage details to help you find the best pet insurance in Pennsylvania.

tip icon

The Best Pet Insurance Companies in Pennsylvania

The cost of pet insurance in Pennsylvania depends on several factors, including your pet’s medical history, breed and age. That’s why we strongly recommend that you compare quotes from several insurers before deciding which pet insurance policy to buy. This will help you narrow down your choices and find the best insurance that meets your budget.

To help you find the best deal, MoneyGeek analyzed thousands of quotes in Pennsylvania while carefully reviewing coverage details and policy. In this way, we’ve found the best pet insurance companies in Pennsylvania in terms of affordability and product offerings.

Best Overall Pet Insurance in Pennsylvania for Your Pet

Pets Best

pros

This is an icon

Covers hereditary and congenital conditions

This is an icon

Covers ongoing and chronic conditions

This is an icon

No upper age limits for pets

cons

This is an icon

Limited coverage for preventive care, which must be purchased separately

COMPANY HIGHLIGHTS

Pets Best is MoneyGeek’s pick for the best pet insurance in Pennsylvania. The average cost of pet insurance is $25.55 per month.

They offer two annual coverage levels ($5,000 and unlimited) and have a wide range of deductible options, from $50 to $1,000. The company covers accidents, illnesses, surgeries, cancer, and much more and offers wellness coverage for routine care and specialized coverage plans.

Because Pets Best policies are flexible, you can customize them to meet your needs and budget. If you’re going to enroll more than one pet, you can take advantage of the company’s 5% multi-pet discount for additional savings. One downside to Pets Best is that they do not cover preventive or elective care, although there is limited coverage for vaccines and preventive care if you purchase that add-on plan.

Best Pet Insurance Company in Pennsylvania: Unlimited Coverage

Pets Best

pros

This is an icon

Covers cancer treatments

This is an icon

Covers diagnostics

This is an icon

Full coverage even when pet not spayed or neutered

cons

This is an icon

Periodontal disease is only covered if your pet meets certain conditions

COMPANY HIGHLIGHTS

MoneyGeek also picks Pets Best as the best pet insurance company in Pennsylvania for unlimited coverage. The average cost for unlimited coverage is $32.33 per month.

While unlimited coverage is more expensive than low coverage, it gives you complete financial protection in the event of unexpected veterinarian bills. It also gives you peace of mind if anything happens to your pet.

Pet insurance from Pets Best covers everything from injuries to chronic illnesses. While most plans include exam fees, acupuncture and chiropractic, and prescription medication coverage, these can be excluded from some plans to fit the needs and budgets of you and your pet.

Exclusions include pre-existing conditions, elective and preventive procedures, and testing, treatment and prevention of parasites, although limited coverage for vaccines, preventive care and parasites may be available as an add-on.

Best Pet Insurance Company in Pennsylvania: Affordable Coverage

Pets Best

pros

This is an icon

Flexible policy options

This is an icon

No upper age restrictions

This is an icon

5% multi-pet discount

cons

This is an icon

Does not cover preventive or elective care, although limited coverage for some procedures is available with the purchase of an add-on

COMPANY HIGHLIGHTS

Pets Best placed first as the best pet insurance company in Pennsylvania with the most affordable coverage. The average cost for insurance with a maximum coverage limit of $5,000 is $18.77 per month.

Pets Best policies are flexible. You can customize them to fit your budget and your pet’s needs. You can choose from different deductibles and two coverage limits. If you have a healthy pet, insurance with a low premium and high deductible may be the best and most cost-effective option for you. If your pet is aging, you may wish to consider unlimited coverage. There’s no upper age limit, and euthanasia is covered.

Best Pet Insurance Company in Pennsylvania: Multiple Pets

Pets Best

pros

This is an icon

5% multi-pet discount

This is an icon

Insurer pays vet directly or reimburses via direct deposit

This is an icon

Covers exam fees for accidents and illnesses

cons

This is an icon

Herbal, holistic, and experimental therapies and medications are not covered

COMPANY HIGHLIGHTS

Pets Best also offers multi-pet discounts, when you insure more than one pet with them. The average cost for a multi-pet plan is $23 per month.

Getting insurance for several pets can be pretty expensive. Pets Best offers a 5% discount for enrolling more than one pet. The insurance policy for each pet covers accidents, illnesses, emergency care, and hereditary and congenital conditions.

As with all pet insurance companies, there are specific waiting periods before you can submit a claim. You have to wait three days for accidents and 14 days for illnesses after your policy becomes effective. You can file a claim online through your customer account from any device or have Pets Best pay your vet directly.

Best Pet Insurance Company in Pennsylvania: Cats

Embrace

pros

This is an icon

Covers behavioral therapy and training

This is an icon

Your pet is covered for life; coverage is never reduced based on age

This is an icon

Covers bilateral conditions

cons

This is an icon

No unlimited coverage option

This is an icon

Preventive or routine care costs are not covered, although you can purchase a separate plan for limited coverage

This is an icon

Pets 15 years and older are eligible for accident-only insurance, not full accident and illness coverage

COMPANY HIGHLIGHTS

MoneyGeek’s pick for the best pet insurance company in Pennsylvania for cats is Embrace. The company’s average price for cat insurance is $15.98 per month.

Cats generally are less expensive to insure than dogs. As with all insurance, it’s a good idea to shop around and compare quotes. Remember only to look at pet insurance premiums for cats; if you inadvertently mix in dog insurance premiums, you’ll skew your results by quite a bit.

Embrace offers robust pet insurance coverage. It covers exam fees, illness and injury, diagnostic testing, prescription drugs, congenital and chronic conditions, cancer treatment and more. They also cover behavioral therapy, which is often not included in other insurers’ coverage. Furthermore, they offer a 10% multi-pet discount, which can help save a little money when you’re enrolling multiple cats or kittens in a policy.

Embrace does not offer an unlimited coverage option, which some pet owners may see as a downside; however, the maximum annual coverage limit is a healthy $30,000.

Best Pets Insurance in Pennsylvania Ranking Summary

Scroll for more

swipe icon
  • Ranking
    Winner
    Avg. Monthly Cost
  • Overall
    Pets Best
    $26
  • Unlimited Coverage
    Pets Best
    $32
  • Affordable Coverage
    Pets Best
    $19
  • Multiple Pets
    Pets Best
    $23
  • Cats
    Embrace
    $16

What Is the Average Cost of Pet Insurance Cost for Dogs and Cats in Pennsylvania?

The cost of pet insurance in Pennsylvania varies, depending on the age and breed of your pet, the coverage level and deductible you choose, and even where you live.

The average cost of dog insurance in Pennsylvania is $26.77 for a $5,000 coverage limit, $50.65 for a $10,000 coverage limit, and $56.62 for unlimited coverage. The average cost of cat insurance in Pennsylvania with a $5,000 coverage limit is $14.58 per month; with a $10,000 coverage limit, it’s $25.42 per month; and with unlimited coverage, it costs $35.58 per month on average.

Since every insurance company puts a different emphasis on each variable that goes into determining your pet insurance premium, getting at least a few individualized quotes before deciding on a policy is a good idea.

Average Monthly Cost of Pet Insurance in Pennsylvania

Scroll for more

swipe icon
  • Pet Insurance Policy
    $5k Coverage
    $10k Coverage
    Unlimited
  • Average Cost for a Dog
    $27
    $51
    $57
  • Average Cost for a Cat
    $15
    $25
    $36
tip icon
HOW MUCH PET INSURANCE DO YOU NEED IN PENNSYLVANIA?

For the average pet insurance buyer in Pennsylvania, we recommend a policy with $5,000 to $15,000 in coverage and a reimbursement rate of not lower than 80%. With these levels, you get good annual coverage at relatively affordable premiums.

Compare the Cheapest Pet Insurance Quotes in Pennsylvania

MoneyGeek intends to help pet owners in Pennsylvania understand the most common options available in pet insurance policies, which include the following:

  • Annual reimbursement limits: typically range from $3,000 to unlimited
  • Deductible: usually $250 to $500, but some companies have higher or lower options
  • Bill reimbursement percentage: 70-90%

Some pet owners in Pennsylvania will seek less expensive insurance policies with lower coverage amounts either for budget purposes or because they don’t think they’ll need higher coverage. Of course, others opt for high or unlimited coverage limits and don’t mind paying extra for the peace of mind it gives them. While unlimited coverage does provide the maximum protection, the average pet owner is unlikely to require it. For pet insurance buyers in Pennsylvania, we usually recommend the average coverage as outlined below.

Cheapest Pet Insurance in Pennsylvania by Coverage Level

Scroll for more

swipe icon
  • Maximum Policy Coverage
    Winner: Cheapest Policy
    Avg Cost
  • $5,000
    Pets Best
    $19
  • $10,000
    Figo
    $37
  • Unlimited
    Pets Best
    $32

If you want to pay a cheaper monthly premium, consider getting insurance with a low annual maximum, large deductible, and low reimbursement percentage. The table below shows the cheapest $5,000 coverage, 80% reimbursement, and $500 deductible pet insurance policies available in Pennsylvania, broken down by company.

Cheapest Low Coverage: $5k Annual Maximum / 80% / $500 Deductible

Scroll for more

swipe icon
  • Pet Insurance Company
    Low Coverage Monthly Cost
  • Pets Best
    $19
  • Pet Plan
    $23
  • Spot
    $27
  • Hartville
    $27
  • ASPCA
    $27
  • GEICO
    $29
  • Embrace
    $29
  • 24 Pet Watch
    $37
Cheapest Average Coverage: $10k Annual Maximum / 80% / $250 Deductible

Scroll for more

swipe icon
  • Pet Insurance Company
    Average Coverage Monthly Cost
  • Figo
    $37
  • GEICO
    $41
  • Embrace
    $41
  • 24 Pet Watch
    $49
  • ASPCA
    $51
  • Hartville
    $51
  • Spot
    $51
  • Pumpkin
    $59
  • Nationwide
    $78
Cheapest Unlimited Coverage: Unlimited Maximum / 90% / $250 Deductible

Scroll for more

swipe icon
  • Pet Insurance Company
    Unlimited Coverage Monthly Cost
  • Pets Best
    $32
  • Healthy Paws
    $43
  • Figo
    $54
  • Trupanion
    $63
  • Pet Plan
    $67
  • Spot
    $81

The Best Cheap Pet Insurance by City in Pennsylvania

Pet insurance costs are influenced by a variety of factors in addition to your pet’s age and breed, including where you live. Because some cities in Pennsylvania have a higher than average cost of living than others, your location is an important determining factor. That's because a high cost of living means higher veterinarian medical costs and increased pet insurance premiums.

Furthermore, due to hazards such as traffic and weather, some cities are high-risk in terms of pet injury and can also result in higher insurance costs.

Best Cheap Pet Insurance Companies by City
  • City
    Coverage Level and Average Monthly Rate
  • Allentown
    $5k: Pets Best, $19
    Unlimited: Pets Best, $32
    $10k: Figo, $37
  • Philadelphia
    $5k: Pets Best, $19
    Unlimited: Pets Best, $32
    $10k: Figo, $37
  • Pittsburgh
    $5k: Pets Best, $19
    Unlimited: Pets Best, $32
    $10k: Figo, $37

MoneyGeek used city-based data in Pennsylvania by gathering quotes for $10k coverage, 80% reimbursement, and $250 deductible for a 1-year-old Goldendoodle.

What Factors Impact Pet Insurance Cost in Pennsylvania?

The breed, type and age of your pet, the kind of coverage you choose, and where you live are some of the factors that influence the cost of pet insurance in Pennsylvania. As a result, most pet insurance policies allow you to customize your coverage limits to design a plan uniquely tailored to your budget and your pet’s specific needs.

  • This is an icon

    Annual reimbursement limits

    These are the maximum amounts insurance companies will pay toward your pet’s medical expenditures each year. The coverage limit you can choose typically ranges from $3,000 to unlimited.

  • This is an icon

    Deductible

    The amount you pay before your insurance kicks in is known as the deductible. It’s usually between $250 and $500, although it can be as low as $50 and as high as $1,000. The lower the deductible, the higher your insurance premium, and vice versa.

  • This is an icon

    Bill reimbursement percentage

    Once you’ve paid your deductible, this is the percentage of your vet bills that the insurance company will reimburse you for. For example, a $1,000 pet medical expense with a 90% reimbursement will pay you back $900.

  • This is an icon

    Breed

    Dogs are more expensive to insure than cats. Breeds that pose a higher risk, like those with established hereditary conditions, are typically more expensive.

  • This is an icon

    Animal Age

    As pets get older, they tend to suffer more health problems. As a result, you can expect your monthly premiums to increase as your pet ages.

  • This is an icon

    Location

    Your geographic location has an impact on the cost of pet insurance due to factors like a higher cost of living and hazards related to weather and traffic.

  • This is an icon

    Multi-pet discounts

    Most pet insurance providers offer a 5% or 10% discount if you choose to insure more than one pet with them.

FAQ’s About Pet Insurance in Pennsylvania

MoneyGeek's Rating Methodology for Pet Insurance

MoneyGeek is of the opinion that data helps us make smarter financial decisions. We spent a significant amount of time gathering hundreds of pet insurance quotes from 13 of the industry’s major players. To find the best pet insurance providers in Pennsylvania, we compared each company’s product offerings and rates.

To calculate the overall MoneyGeek rating score, we weighted our 24 qualitative research policy option data points at 50% and affordability by coverage level at 50% of the total score.

MoneyGeek gathered quotes for four different types of pets from various zip codes in Pennsylvania. To identify the cheapest pet insurance companies in the state and to establish our affordability scores for our best rankings, we considered the following coverage levels:

  • Low Coverage: $5,000 Coverage, $500 Deductible, 80% reimbursement
  • Average Coverage: $10,000 Coverage, $250 Deductible, 80% reimbursement
  • High Coverage: Unlimited Coverage, $250 Deductible, 90% reimbursement

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


sources