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

COMPANY HIGHLIGHTS

Pets Best is the best pet insurance company in Virginia overall, based on our analysis. At an average cost of $31.71 per month, it covers accidents, illnesses and routine care for your dog or cat. They allow you to choose a maximum coverage of $5,000 or unlimited and offer deductible options from $50 to $1,000.

Depending on your package, Pets Best covers laboratory tests, MRI, CAT scans and x-rays. They will also pay for your pet’s covered prescription medication and dental care. There is limited coverage available for deworming, heartworm prevention, rabies vaccine and flea/tick prevention, depending on the Pets Best plan you choose.

The waiting period for Pets Best, from the time you join to the time you can claim reimbursement under that policy, is three days for accidents and 14 days for illnesses. You can avoid paying out of pocket by using their direct-to-vet payment option. They have a 24/7 helpline to assist you, which can be extremely useful during emergencies.

COMPANY HIGHLIGHTS

Healthy Paws is MoneyGeek’s choice of top unlimited coverage provider among pet insurance companies in Virginia. It offers a single plan with no spending limit when covering accidents, illnesses and injuries.

Having limitless coverage can help a lot should anything happen to your dog or cat. That comes with a cost, however. On average, a Healthy Paws policy costs $40.13 per month, which is the most expensive on this list.

Unlike most companies, Healthy Paws’ sole plan doesn’t cover exams, prescription supplements, preventive care or vaccines. It also comes with a $25 one-time fee. However, it compensates by covering accidents, illnesses, cancer, emergency care, genetic conditions, and alternative therapies like acupuncture, hydrotherapy, physical therapy and chiropractic care.

In addition, Healthy Paws has a seamless way of processing claims through its mobile app. They also offer a direct-to-vet payment option.

COMPANY HIGHLIGHTS

MoneyGeek’s pick as Virginia’s best pet insurance provider in terms of affordability is Pets Best. Its packages, on average, cost $22.01 per month, the cheapest on our list of pet insurance companies in Virginia.

They give you the freedom to adjust your maximum coverage, deductible and reimbursement options. Likewise, you can choose from their various plans for one with coverages that fit your needs and budget.

Pets Best offers a 5% discount if you insure more than one pet. They also provide a 5% discount for pet adopters and pet shelter staff.

Although its waiting period is only three days for accidents and 14 days for illnesses, there is an extended wait period for orthopedic conditions. Specifically, you must wait six months following your policy's effective date to make claims for any cruciate ligament events or related conditions.

COMPANY HIGHLIGHTS

Pets Best is our top pick if you’re looking to insure multiple pets in Virginia. They offer a 5% discount if you enroll more than one pet on their BestBenefit plans. At an average rate of $28.54 per month, you can get comprehensive pet insurance coverage for each of your furry loved ones.

While the coverages vary depending on the package you choose, a Pets Best policy typically covers diagnostics, accidents, illnesses, cancer treatments, hereditary conditions, dental, chronic conditions and more. Even if your pet has not been spayed or neutered, you can get full coverage.

Like most pet insurance companies in Virginia, Pets Best doesn’t cover any illness or injury that begins before your policy’s start date. They also don’t cover elective or preventive procedures. Likewise, non-veterinary expenses, vitamins and supplements are excluded from their coverage.

Despite that, Pets Best has a wide range of flexible offers that’s helpful for owners looking to insure multiple pets.

COMPANY HIGHLIGHTS

In Virginia, Embrace is MoneyGeek’s pick if you’re looking to insure your cat. They offer coverage limit options from $5,000 to $30,000, and deductible options from $200 to $1,000. An Embrace policy has an average rate of $21.37 per month.

Embrace covers expenses for exams, illnesses and accidents. They even cover behavioral therapy and specialist care. If you’re looking for a cheaper policy, they offer accident-only coverage that protects your pet during unforeseen events.

By enrolling two or more pets on an Embrace policy, you can enjoy a 10% discount. Likewise, your deductible diminishes by $50 for each year that passes without you filing a claim for accident or illness.

However, Embrace doesn’t offer unlimited coverages and zero-deductible options. While they offer a Wellness Rewards add-on to reimburse wellness claims, it’s available as an expensive non-insurance option that’s limited to $650 per year.