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

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.

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.

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.

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.

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.

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.

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.

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