Lemonade is Virginia's best pet insurance provider for cats and dogs, leading with the highest ratings across both pet categories. Other strong insurance options in the state include Rainwalk, Spot, Pumpkin, AKC and Pets Best.
Best Pet Insurance in Virginia
Updated: September 8, 2025
Advertising & Editorial Disclosure
Key Takeaways
Lemonade offers the best pet insurance in Virginia, with monthly rates starting at $10. It combines competitive pricing with excellent customer service.
For the cheapest pet insurance in Virginia, Lemonade provides dog coverage at $55 per month, while Pumpkin has the lowest cat rates at $23.
Compare multiple insurance providers and coverage options to find the right balance of price and protection for your pet's needs.
Best Pet Insurance Companies in Virginia
Data filtered by:Results filtered by:
Select
Dog or Cat:Dog
Select
Pet Age Group:Middle Aged
Select
Annual Limit:$5,000
Select
Reimbursement %:80%
Select
Deductible:$500
| Lemonade | 4.50 | $55 |
| Rainwalk | 4.25 | $68 |
| AKC | 4.05 | $76 |
| Pets Best | 4.05 | $67 |
| ASPCA | 3.90 | $61 |
| Spot | 3.75 | $72 |
Lemonade
Best Overall
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate for Dogs
$55Average Monthly Rate for Cats
$26Overall Reddit Sentiment
72% positiveMaximum Annual Limit
$100,000
Best Pet Insurance by Dog Breed
Overall, AKC ranks best for most dog breeds in Virginia, while Rainwalk and Lemonade win for select breeds. Below, you can review which companies are best for your dog in the state.
Data filtered by:Results filtered by:
Select
Breed:Affenpinscher
| Rainwalk | 4.35 | $47 |
| Pets Best | 4.35 | $30 |
| Lemonade | 4.25 | $34 |
| AKC | 4.25 | $65 |
| Spot | 4 | $51 |
Best Pet Insurance by Cat Breed
Our research shows Rainwalk dominates the best pet insurance rankings for most cat breeds in Virginia, while AKC stands out for select breeds. Below, you can review which companies are best for your cat in the state.
Data filtered by:Results filtered by:
Select
Breed:Abyssinian
| Rainwalk | 4.5 | $35 |
| AKC | 4.45 | $49 |
| Lemonade | 4.35 | $27 |
| Pets Best | 4.3 | $35 |
| Spot | 4.2 | $34 |
Cheapest Pet Insurance in Virginia
In Virginia, Lemonade offers the most affordable dog insurance at $55 per month or $662 per year. For cats, Pumpkin provides the lowest-cost coverage at $23 monthly or $276 annually.
Data filtered by:Results filtered by:
Select
Dog or Cat:Dog
Select
Pet Age Group:Middle Aged
Select
Annual Limit:$5,000
Select
Reimbursement %:80%
Select
Deductible:$500
| Lemonade | $55 | $662 | -29% |
| ASPCA | $61 | $730 | -22% |
| Pets Best | $67 | $805 | -14% |
| Pumpkin | $67 | $806 | -14% |
| Rainwalk | $68 | $817 | -13% |
| Hartville | $70 | $835 | -11% |
| Spot | $72 | $868 | -7% |
| Figo | $76 | $913 | -2% |
| AKC | $76 | $910 | -3% |
| Liberty Mutual | $77 | $930 | -1% |
| Met Life | $82 | $989 | 6% |
| Embrace | $104 | $1,250 | 33% |
| Nationwide | $109 | $1,313 | 40% |
| Fetch | $112 | $1,348 | 44% |
Cheapest Virginia Pet Insurance by Dog Breed
In Virginia, Lemonade, Pumpkin and Pets Best offer the most affordable pet insurance for dogs, with rates starting at $18 monthly.
Data filtered by:Results filtered by:
Select
Breed:Affenpinscher
| Pets Best | $30 | $359 | -50% |
| Lemonade | $34 | $405 | -43% |
| Pumpkin | $40 | $479 | -33% |
| ASPCA | $43 | $514 | -28% |
| Rainwalk | $47 | $569 | -21% |
Cheapest Virginia Pet Insurance by Cat Breed
In Virginia, Pets Best (13 wins), Lemonade (8 wins) and Pumpkin (8 wins) offer the most affordable cat insurance across breeds. Monthly premiums start at $16 for standard coverage.
Data filtered by:Results filtered by:
Select
Breed:Abyssinian
| Lemonade | $27 | $323 | -55% |
| Figo | $33 | $392 | -45% |
| Hartville | $33 | $392 | -45% |
| Spot | $34 | $404 | -44% |
| Pets Best | $35 | $417 | -42% |
How Much Is Pet Insurance in Virginia?
Virginia pet insurance costs average $96 monthly for dogs and $49 for cats. Virginia's rates run 7% above the national average for both types of pets.
Data filtered by:Results filtered by:
Select
Annual Limit:$5,000
Select
Deductible:$500
Select
Reimbursement %:80%
| Cat | $49 | $587 | 7% |
| Dog | $96 | $1,157 | 7% |
How to Get the Best Cheap Pet Insurance in Virginia
Finding the best cheap provider and coverage plan in Virginia can be difficult. Want to find great pet insurance? Here's how to nail this decision:
- 1
Evaluate Your Pet's Coverage Needs First
Start by listing your pet's specific health risks and potential veterinary costs. Look into how much you can afford in monthly premiums and deductibles.
- 2
Look for Available Insurance Discounts
Check if you qualify for savings through a multi-pet plan or annual payment options. Many insurers offer reduced rates for military members and for spayed or neutered pets.
- 3
Check Company Reviews and Coverage
Research insurers' reputation for claim processing and customer service in Virginia. Focus on insurers with strong track records of fair pricing and reliable coverage.
- 4
Get Multiple Insurance Quotes
Request quotes from at least three different pet insurance providers for the same coverage level. This direct comparison helps ensure you're getting the most competitive rate for your pet's needs.
- 5
Review Your Policy Annually
Set a yearly reminder to compare pet insurance rates. Premiums often increase with your pet's age, so shopping around each year helps maintain the most affordable coverage for your pet's changing needs.
Best Pet Insurance in Virginia: Bottom Line
Lemonade is our top pick for pet insurance in Virginia, while Lemonade and Pumpkin offer the most affordable coverage options for Virginia pet owners. While these providers stand out in our analysis, the right choice depends on your pet's needs and your budget. Compare plenty of options, research and decide on coverage before buying for the best deal.
Pet Insurance in Virginia: FAQ
Here are answers to frequently asked questions about Virginia pet insurance:
What are the best pet insurance companies in Virginia?
Pet owners in Virginia have excellent insurance options. Top providers include Lemonade, Rainwalk, Pumpkin, Spot and Pets Best based on comprehensive coverage and service quality.
Which company has the cheapest pet insurance in Virginia?
Lemonade, ASPCA, Pumpkin and Hartville offer the most competitive pet insurance rates in Virginia. Monthly premiums start at $55 for dogs and $23 for cats.
How much is pet insurance in Virginia?
In Virginia, pet insurance costs $587 annually for cats and $1,157 for dogs. Annual premiums across the state can range from $72 to $14,265, depending on coverage options and your pet's details.
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 ratings. Compare policy details, coverage limits, and deductibles from at least three companies. Get quotes directly from top-rated insurers to find the most cost-effective coverage for your pet.
How We Found the Best and Cheapest Pet Insurance in Virginia
We researched all 20 major pet insurance providers in the United States, compared their policies and gathered quotes for Virginia 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 October 10, 2025.