Lemonade is the best pet insurance company in West Virginia for both cats and dogs, earning top scores in our analysis. Other strong options in the state include AKC, Spot, Pumpkin and Pets Best.
Best Pet Insurance in West Virginia
Updated: September 8, 2025
Advertising & Editorial Disclosure
Key Takeaways
Lemonade offers the best pet insurance in West Virginia, with monthly rates starting at $8. The company combines competitive pricing with excellent customer service.
For West Virginia pet owners, Lemonade provides the cheapest pet insurance for dogs at $45 per month, while Pumpkin has the lowest cat rates at $19.
Compare multiple pet insurance policies to find coverage that matches your pet's needs and your budget. Look at both price and coverage options before deciding.
Best Pet Insurance Companies in West Virginia
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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 | $45 |
| AKC | 4.35 | $56 |
| Pets Best | 4.10 | $54 |
| Spot | 3.90 | $57 |
| ASPCA | 3.85 | $50 |
Lemonade
Best Overall
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate for Dogs
$45Average Monthly Rate for Cats
$21Overall 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 West Virginia, 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 | $24 |
| AKC | 4.3 | $49 |
| Lemonade | 4.25 | $27 |
| Rainwalk | 4.2 | $47 |
| Spot | 4 | $40 |
Best Pet Insurance by Cat Breed
AKC dominates the best pet insurance rankings for most cat breeds in West Virginia, offering comprehensive coverage options that set the standard for feline protection. Below, you can review which companies are best for your cat in the state.
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Breed:Abyssinian
| AKC | 4.5 | $35 |
| Rainwalk | 4.4 | $34 |
| Lemonade | 4.35 | $22 |
| Pets Best | 4.3 | $28 |
| Spot | 4.2 | $26 |
Cheapest Pet Insurance in West Virginia
In West Virginia, Lemonade provides the most affordable dog insurance at $45 per month or $535 per year. For cats, Pumpkin offers the cheapest coverage at $19 monthly or $224 annually.
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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 | $45 | $535 | -28% |
| ASPCA | $50 | $602 | -19% |
| Pets Best | $54 | $651 | -12% |
| Figo | $54 | $651 | -12% |
| Pumpkin | $54 | $652 | -12% |
| Hartville | $55 | $655 | -12% |
| AKC | $56 | $666 | -11% |
| Spot | $57 | $680 | -9% |
| Met Life | $57 | $680 | -9% |
| Rainwalk | $67 | $807 | 8% |
| Liberty Mutual | $68 | $819 | 10% |
| Embrace | $75 | $902 | 21% |
| Fetch | $91 | $1,091 | 47% |
| Nationwide | $95 | $1,141 | 53% |
Cheapest West Virginia Pet Insurance by Dog Breed
In West Virginia, Lemonade, Pumpkin and Pets Best provide the most affordable dog insurance coverage, with plans starting at $15 monthly.
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Breed:Affenpinscher
| Pets Best | $24 | $290 | -49% |
| Lemonade | $27 | $328 | -42% |
| Pumpkin | $32 | $387 | -32% |
| ASPCA | $35 | $421 | -26% |
| Figo | $38 | $457 | -19% |
Cheapest West Virginia Pet Insurance by Cat Breed
In West Virginia, Pets Best (13 wins), Pumpkin (8 wins), and Lemonade (5 wins) offer the most affordable cat insurance across breeds. Monthly premiums start at $13 for standard coverage.
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Breed:Abyssinian
| Lemonade | $22 | $261 | -54% |
| Figo | $23 | $276 | -51% |
| Hartville | $26 | $307 | -46% |
| Spot | $26 | $318 | -44% |
| Pets Best | $28 | $338 | -40% |
How Much Is Pet Insurance in West Virginia?
West Virginia pet insurance costs an average of $78 monthly for dogs and $39 for cats. West Virginia pet owners pay less than the national average, with rates about 13% lower for dogs and 14% lower for cats.
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Annual Limit:$5,000
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Deductible:$500
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Reimbursement %:80%
| Cat | $39 | $472 | -14% |
| Dog | $78 | $935 | -13% |
How to Get the Best Cheap Pet Insurance in West Virginia
Finding the best cheap provider and coverage plan in West Virginia can be difficult. Want to find great pet insurance? Here's how to nail this decision:
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Evaluate Your Pet's Coverage Needs First
Start by listing your pet's specific health risks and potential future medical needs. Consider your budget and how much you can afford in monthly premiums and deductibles.
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Look for Available Insurance Discounts
Many insurers offer savings through a multi-pet plan or annual payment options. Ask about discounts for spayed or neutered pets and preventive care packages.
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Check Insurance Company Ratings
Review customer feedback and financial strength ratings of pet insurance providers serving West Virginia. Focus on companies with strong track records of paying claims promptly.
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Get Multiple Insurance Quotes
Request quotes from at least three different pet insurance companies for similar coverage levels. Make sure to compare deductibles, reimbursement rates and coverage limits.
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Review Your Policy Annually
Set a yearly reminder to check for better rates and coverage options. Pet insurance costs often increase as pets age, so comparing prices regularly helps maintain affordable coverage.
Best Pet Insurance in West Virginia: Bottom Line
Lemonade is our top pick for pet insurance in West Virginia, offering strong cat and dog coverage. For pet owners in the state focused on affordability, Lemonade provides the most budget-friendly dog coverage, while Pumpkin offers the lowest-cost cat insurance. While these providers stand out in our analysis, compare options and coverage levels that match your pet's specific needs.
Pet Insurance in West Virginia: FAQ
Here are expert answers from our team to frequently asked questions about West Virginia pet insurance:
What are the best pet insurance companies in West Virginia?
Pet owners in West Virginia can find quality coverage through Lemonade, AKC, Spot, Pumpkin and Pets Best. These providers offer comprehensive insurance plans for your furry family members.
Which company has the cheapest pet insurance in West Virginia?
Lemonade, ASPCA, Pumpkin and Hartville offer some of the most affordable pet insurance rates in West Virginia. Monthly premiums start at $45 for dogs and $19 for cats.
How much is pet insurance in West Virginia?
In West Virginia, pet insurance costs around $472 annually for cats and $935 for dogs. Annual premiums can range from $59 to $11,543, 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 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 West Virginia
We researched all 20 major pet insurance providers in the United States, compared their policies and gathered quotes for West 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 September 15, 2025.