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

Are you looking for pet insurance in West Virginia? MoneyGeek evaluated different policy details, coverage options and thousands of quotes from major insurers in the state to help you find the best pet insurance company in West Virginia with affordable rates.

Last Updated: 3/13/2022
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The best pet insurance in West Virginia can save you money and provide peace of mind in protecting your furry friends. Pets occasionally need veterinary visits — a plan with preventative care can help you cover the costs and keep them in good health.

We have collected information from different pet insurance companies in the largest cities in West Virginia, including Charleston and Huntington. With this analysis, we have determined the average cost of pet insurance in West Virginia, along with additional benefits and perks available for your pets.

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The Best Pet Insurance Companies in West Virginia

MoneyGeek evaluated thousands of quotes from pet insurance companies in West Virginia, along with coverage details and policy information. We identified the best providers in the state based on their policy offerings and affordability.

The cost of pet insurance may vary based on the breed, age and medical history of the animal. Compare multiple policies and insurers to find the best policy for your needs.

Best Overall Pet Insurance in West Virginia for Your Pet

Pets Best

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Multi-pet discount

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Wide range of deductibles

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Coverage for acupuncture

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All lab tests and exams coverage

cons

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No coverage for pre-existing conditions

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Limited coverage for preventive care

COMPANY HIGHLIGHTS

In West Virginia, MoneyGeek’s overall top pick is Pets Best. This insurer provides reasonable plans and flexible policies. You can personalize the policies for your budget and pet's needs. The average cost for insuring your pet with Pets Best is $22.14 per month in West Virginia.

Pets Best offers coverage ranging from $5,000 to unlimited coverage. Its deductible options start at $50 and increase to $1,000 annually. Pets Best provides a multiple-pet discount of 5% when you insure more than one animal.

This insurer covers almost all lab tests for your pet, including MRI, CAT and other expensive procedures. With Pets Best, you can opt for direct payment to the vet or receive reimbursements.

However, Pets Best doesn’t cover pre-existing conditions. This insurer also provides only limited coverage for preventive care.

Best Pet Insurance Company in West Virginia: Unlimited Coverage

Pets Best

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All policies have unlimited coverage

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Covers chronic and recurring diseases

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Lower price than most insurers

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Doesn’t cover alternative therapies

COMPANY HIGHLIGHTS

Pets Best is also our top pick for unlimited pet coverage in West Virginia. With unlimited coverage, you do not have to worry about it becoming exhausted — even when your pet needs critical care. However, the cost of unlimited coverage policies is a bit higher than average prices. It will cost you $28.01 per month, on average, for a policy with unlimited coverage.

Pets Best covers chronic illness, accidents and recurring diseases, offering you peace of mind with unlimited coverage for your pet. However, this provider doesn’t cover any pre-existing conditions and alternative therapies. So, if you are looking for policies that cover alternative therapies for your animal family member, Pets Best may not be the right choice.

Best Pet Insurance Company in West Virginia: Affordable Coverage

Pets Best

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Very affordable pricing for most policies

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Covers a wide range of conditions

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Pay for dental care and prescribed food supplements too

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Do not cover bilateral conditions

COMPANY HIGHLIGHTS

For the most affordable coverage for your pet in West Virginia, we have selected Pets Best again. It costs an average of $16.26 per month for a $5,000 coverage policy for one pet. The policy covers vet visits, accidents, illnesses, dental care and other critical ailments, aside from pre-existing conditions.

Pets Best has a wide range of policies and deductibles to choose from. You can customize your policy based on the age of your pet and any hereditary issues. As your animal friend ages, you can increase your coverage by paying a bit extra each month. This will ensure that your pet gets the best care when needed.

At such an affordable price, Pets Best provides a lot of coverage. It even covers vaccinations and prescribed food supplements and medicines, along with coverage for hip dysplasia and similar conditions. However, bilateral conditions are not covered in these policies.

Best Pet Insurance Company in West Virginia: Multiple Pets

Pets Best

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Multi-pet discounts

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Coverage for chronic diseases

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No coverage for pre-existing conditions

COMPANY HIGHLIGHTS

If you have more than one pet and you want to insure them all, Pets Best offers the most affordable option in West Virginia. It provides a 5% discount for insuring more than one animal. Pets Best charges an average of $19.92 per month to cover multiple pets.

Along with coverage for all types of diseases and limited coverage for preventive care, Pets Best covers accidents, cancer treatment and other chronic conditions. However, this provider does not pay for any bilateral conditions. They reimburse up to 90% of the medical expenses incurred for any treatment of your pets.

Pets Best also provides coverage for acupuncture and recurring illness treatment for all your pets, as long as they are not pre-existing conditions.

Best Pet Insurance Company in West Virginia: Cats

Figo

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100% reimbursement policy

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Unlimited coverage

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Affordable

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No coverage for preventive care

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No coverage for pre-existing conditions

COMPANY HIGHLIGHTS

Figo is MoneyGeek’s top pick for pet insurance for cats in west Virginia. Compared to dogs, cats tend to be less expensive to insure. Figo charges an average of $15.42 per month to insure your cat.

This provider offers unlimited coverage, with minimum coverage starting at $5,000. You can choose from deductible options of $100 to $750. Figo features a 100% reimbursement policy, as well. Policyholders can insure multiple pets with Figo to receive an additional discount.

Exam fees and veterinary fees are also covered by the insurer, as well as holistic and alternative treatments. Figo also covers all chronic conditions that appear after the waiting period of the insurance policy.

Figo doesn’t cover pre-existing conditions, preventive care or vaccinations. It also does not offer coverage for any bilateral conditions that may have appeared during the extended waiting period of the policy.

Best Pets Insurance in West Virginia Ranking Summary

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  • Ranking
    Winner
    Avg. Monthly Cost
  • Overall
    Pets Best
    $22
  • Unlimited Coverage
    Pets Best
    $28
  • Affordable Coverage
    Pets Best
    $16
  • Multiple Pets
    Pets Best
    $20
  • Cats
    Figo
    $15

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

The cost of pet insurance in West Virginia depends on several factors, such as the coverage level, age of your pet and its breed l. For insuring your dog in West Virginia, policyholders pay $24.63 per month for a $5,000 coverage policy, $44.12 per month for coverage of $10,000 and $45.35 per month for unlimited coverage, on average.

Cat owners in West Virginia pay less for insurance in the state: $13.40 per month for $5,000 in coverage, $22.09 per month for $10,000 in coverage and $29.48 per month for unlimited coverage, on average.

Aside from basic factors like age, breed and coverage level, premiums vary based on deductibles and any other added features. Make sure to request personalized pet insurance quotes in West Virginia for a clearer sense of costs based on your pet's needs.

Average Monthly Cost of Pet Insurance in West Virginia

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  • Pet Insurance Policy
    $5k Coverage
    $10k Coverage
    Unlimited
  • Average Cost for a Dog
    $25
    $44
    $45
  • Average Cost for a Cat
    $13
    $22
    $29
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HOW MUCH PET INSURANCE DO YOU NEED IN WEST VIRGINIA?

MoneyGeek recommends a $5,000 to $10,000 coverage limit for most pet insurance buyers in West Virginia, along with a reimbursement rate of 80% or more.

Compare the Cheapest Pet Insurance Quotes in West Virginia

MoneyGeek has collected information and data from different pet insurers to help pet owners in West Virginia understand typical options. These generally include:

  • Annual Reimbursement Limits: Ranges from $3,000 to unlimited
  • Deductible: $250 to $500, but some companies offer higher or lower options
  • Bill Reimbursement Percentage: 70% to 90%

While some pet owners in West Virginia seek less expensive policies with lower coverage amounts to keep prices down or cover their otherwise healthy pets, others prefer policies with high coverage limits to ensure maximum protection for their pets.

High coverage policies are generally more expensive and the average pet owner may not need unlimited protection, but these policies offer maximum protection for your pet. MoneyGeek generally recommends the average coverage amount below for pet insurance shoppers in West Virginia.

Cheapest Pet Insurance in West Virginia by Coverage Level

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  • Maximum Policy Coverage
    Winner: Cheapest Policy
    Avg Cost
  • $5,000
    Pets Best
    $16
  • $10,000
    Figo
    $30
  • Unlimited
    Pets Best
    $28

If you want to pay less for your pet insurance, opt for low annual coverage with a high deductible and low reimbursement rate policies. We compare pet insurance policies in West Virginia with a $5,000 coverage limit, $500 deductible and 80% reimbursement rate in the following table.

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

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  • Pet Insurance Company
    Low Coverage Monthly Cost
  • Pets Best
    $16
  • Figo
    $20
  • Pet Plan
    $20
  • Spot
    $21
  • ASPCA
    $23
  • Embrace
    $29
  • GEICO
    $29
  • 24 Pet Watch
    $40
Cheapest Average Coverage: $10k Annual Maximum / 80% / $250 Deductible

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  • Pet Insurance Company
    Average Coverage Monthly Cost
  • Figo
    $30
  • ASPCA
    $41
  • GEICO
    $41
  • Embrace
    $41
  • Hartville
    $43
  • Spot
    $43
  • Pumpkin
    $51
  • 24 Pet Watch
    $53
  • Nationwide
    $53
Cheapest Unlimited Coverage: Unlimited Maximum / 90% / $250 Deductible

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  • Pet Insurance Company
    Unlimited Coverage Monthly Cost
  • Pets Best
    $28
  • Healthy Paws
    $38
  • Figo
    $43
  • Pet Plan
    $45
  • Trupanion
    $48
  • Spot
    $70

The Best Cheap Pet Insurance by City in West Virginia

While the age and breed of your pet, along with the coverage limit, primarily influence the cost of pet insurance in West Virginia, your location can also affect prices. Medical care for pets varies with cost of living figures among cities.

Apart from the cost of living, many places may be more prone to accidents due to higher traffic density, which also increases the cost of pet insurance. Always make sure to shop around to find the cheapest rates in your city.

Best Cheap Pet Insurance Companies by City
  • City
    Coverage Level and Average Monthly Rate
  • Charleston
    $5k: Pets Best, $16
    Unlimited: Pets Best, $28
    $10k: Figo, $30
  • Huntington
    $5k: Pets Best, $16
    Unlimited: Pets Best, $28
    $10k: Figo, $30
  • Morgantown
    $5k: Pets Best, $16
    Unlimited: Pets Best, $28
    $10k: Figo, $30

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

What Factors Impact Pet Insurance Cost in West Virginia?

Your pet insurance premium depends on multiple factors, including the age of your pet, breed of the pet, added coverage options and the place you live. Most pet insurance companies in West Virginia allow you to personalize your policy based on your pet's needs.

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    Annual Reimbursement Limits

    The annual reimbursement limit refers to the amount your insurance company will pay toward your pet’s medical expenses each year. Coverage options range from as little as $3,000 up to unlimited coverage.

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    Deductible

    Deductibles generally range from $250 to $500. If you keep your deductible low, then the premium of your insurance will increase. Similarly, the higher your deductible, the lower your monthly pet insurance cost becomes.

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    Bill Reimbursement Percentage

    This refers to how much of your total bill the insurance company will reimburse for your pet's medical bills. For example, if you reach your deductible and receive a bill for $1,000 with a bill reimbursement percentage of 90%, you still have to pay $100 to the vet.

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    Breed

    The cost of insurance for larger breeds or pets with known congenital health issues typically cost more. Usually, dogs tend to be more expensive to insure than cats.

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    Animal Age

    The older your furry friend is, the more expensive their insurance tends to be. Many pets develop health issues as they age.

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    Location

    If you live in an area with a higher cost of living or a location with additional environmental concerns like traffic or severe weather, your costs could be higher.

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    Multi-Pet Discounts

    Some insurers offer discounts if you insure more than one pet.

FAQ’s About Pet Insurance in West Virginia

MoneyGeek's Rating Methodology for Pet Insurance

MoneyGeek believes that data helps us make better financial decisions. For pet insurance, our data team spent countless hours gathering thousands of pet insurance quotes across the 13 largest providers to ensure you find the most affordable policy to meet your pet's needs.

To determine the best pet insurance companies in West Virginia, MoneyGeek built a detailed rating system by analyzing each company’s product offerings and costs. For our rating score, we weighted affordability by coverage level at 50% of the total score and our 24 qualitative research policy option data points at 50%.

To determine our affordability scores and the cheapest pet insurance companies in West Virginia, MoneyGeek gathered quotes by company across many zip codes in West Virginia for four pet types with 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


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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.


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