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Best Pet Insurance in Ohio (2022)

If you’re looking for the best pet insurance in Ohio, these top providers can protect against expensive vet bills from illnesses and emergencies. Compare their benefits and coverage in this review.

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Pet owners in Ohio want the best for their fluffy friends, and that includes excellent health care coverage in the event of an accident or emergency. Pet insurance can take the financial worry out of expensive vet bills, leaving you free to focus on helping your pet heal.

The This Old House Reviews Team dug into key metrics such as affordability, policy coverage, and customer service to determine the best pet insurance companies available.

Ohio’s Top 7 Pet Insurance Providers


Lemonade is our top choice for pet insurance in Ohio due to its customizable range of coverage, mobile-friendly customer service, and short accident waiting period.

Some highlights include:

  • Our score: 96
  • Its mobile app allows you to file claims by phone
  • Has a wide range of coverage caps, ranging from $5,000–$100,000
  • Has competitive plan pricing compared to many other top providers

Lemonade has a lower than average rating from the Better Business Bureau (BBB), which cost it a few points in our review. However, after digging into Lemonade’s customer reviews on the BBB, we found that most of the complaints against the insurer come from people who purchased a Lemonade homeowners insurance policy or one of the company’s renters insurance policies, rather than dissatisfied pet parents.

Lemonade Pet Insurance Pros and Cons

✔ Has a charitable giveback program that allows you to give unclaimed money from your premium to a variety of causes
✔ Has a short 48-hour waiting period for accidents
✔ Provides three add-on options to help you customize your plan

✘ Doesn’t offer coverage for behavioral or dental treatments
✘ Requires a recent exam for enrollment

Lemonade Plans and Coverage

Lemonade provides an accident and illness plan, which covers prescription medications and injections, diagnostics like MRIs, lab work, CT scans, blood tests, urinalysis, and X-rays, and procedures like hospitalization, surgery, and outpatient, specialty, and emergency care.

Lemonade also offers three add-on options: one that covers vet visit fees for eligible accidents or illnesses, an add-on to take care of physical therapy costs for treatments like acupuncture and chiropractic care, and a preventative care option that includes routine care such as a wellness exam, fecal exam or parasite test, three vaccines, and a blood test each year.

Lemonade coverage excludes pre-existing conditions, cosmetic or elective procedures, behavioral treatments, and routine dental care. To enroll your pet in coverage, you’ll need to provide a veterinary exam from within the past 12 months.

Get a Quote: Lemonade Pet Insurance Quotes

Learn More: Lemonade Pet Insurance Review


We chose Spot for its extensive list of customization options, including two coverage plans, seven annual coverage caps, and five deductibles.

Some highlights include the following:

  • Our score: 91
  • Offers a wide range of annual coverage starting at $2,500 and going up to unlimited, depending on your preference
  • Doesn’t require you to provide medical records when signing up for your policy
  • Has a 24/7 telehealth line for help with your pet’s health issues before taking them to the vet

Spot Pros and Cons

✔ Covers microchip implantation without requiring extra coverage, unlike most competitors
✔ Includes vet visit fees in its standard policy
✔ Has a 10% discount for each additional pet you add to your policy

✘ Doesn’t have as much experience as the other providers in this review
✘ Has a 14-day waiting period for accidents, which is longer than many competitors

Spot Plans and Coverage

Spot provides two standard plans for you to choose from for your pet insurance policy. The accident-only plan comes with coverage for treatments related to injuries, broken bones, toxic ingestions, and other accidents. The accident and illness plan includes those accidents, plus illnesses, chronic conditions, congenital conditions, behavioral issues, cancer, and more.

You can add one of two wellness coverage plans to help pay for your pet’s preventative care, such as annual checkups, dental cleanings, spay or neuter surgery, and more, up to certain limits for each treatment. The Gold plan comes with $250 total per year for those limits, and the Platinum plan comes with $450.

Get a Quote: Spot Pet Insurance Quotes

Learn More: Spot Pet Insurance Review


Embrace offers Ohio pet parents five deductible options, making it easy to customize your plan.

Some highlights include:

  • Our score: 93.5
  • Offers a 5% military discount
  • Exam fees are included in the company’s standard policy instead of in an add-on like Lemonade, Prudent Pet, and Healthy Paws
  • Covers preventable conditions, such as Lyme disease, parvo, and parasites

Embrace Pros and Cons

Compare the advantages and disadvantages of Embrace:

✔ Provides a 10% multi-pet discount
✔ Offers five choices for deductibles: $200, $300, $500, $750, and $1,000
✔ Donates $2 from each policy to charity

✘ Doesn’t offer a 24/7 chat and has limited phone hours
✘ Larger dogs are quoted higher premiums from Embrace than they are with competitors

Embrace Plans and Coverage

Embrace’s Accident and Illness Plan covers a broad range of diagnostics, such as biopsies, lab tests, CT scans, ultrasounds, MRIs, and X-rays in addition to treatments like hydrotherapy, acupuncture, chemotherapy and other cancer treatments, prescription drugs, and specialist, general, and emergency care.

Its optional Wellness Rewards Plan reimburses pet owners for everyday costs and routine care, such as nail trims, routine chiropractic care, routine visits to the vet, and spay and neuter surgery.

An Embrace pet insurance plan will not cover pre-existing conditions, pregnancy and breeding costs, cosmetic procedures, or deliberate injuries.

Get a Quote: Embrace Pet Insurance Quotes

Learn More: Embrace Pet Insurance Review

Fetch by The Dodo

For the best holistic coverage in Ohio, we recommend choosing Fetch to receive access to stem cell therapy, hydrotherapy, acupuncture, chiropractic care, and more.

Some highlights include:

  • Our score: 91.5
  • Provides $1,000 for virtual vet visits
  • Gives a 15% discount to customers after one year with no filed claims, allowing them to receive up to 30% off of their premium for multiple years without claims
  • Covers up to $1,000 of behavioral treatments

Fetch by The Dodo Pros and Cons

Compare the advantages and disadvantages of Fetch:

✔ Treats dental disease—not only dental injury—unlike some other pet insurance providers
✔ Has 15 years of experience in the pet insurance industry
✔ Doesn’t have an age limit for coverage

✘ Customers must provide a recent pet exam from within the last six months for their pet to be eligible for coverage
✘ Doesn’t offer preventative care options

Fetch by The Dodo Plans and Coverage

Fetch covers a wide range of treatments, including alternative therapies such as stem cell therapy and acupuncture, dental injury or disease, cancer treatments, prescription medications, and behavioral therapies. It also covers exam fees for emergency veterinary services as well as telehealth vet services for virtual care.

Beyond medical issues, Fetch covers advertising and reward fees for lost pets, vacation cancellation fees due to your pet’s illness, and boarding kennel fees if you are hospitalized for more than four days and can’t take care of your pet.

Similar to other pet insurance providers, Fetch does not cover pre-existing conditions or cosmetic and elective procedures. There’s also no add-on available to cover the costs of routine care.

Get a Quote: Fetch Pet Insurance Quotes

Learn More: Fetch Pet Insurance Review

Healthy Paws

Healthy Paws is a great choice for flexible coverage options due to its unlimited coverage caps that prevent out-of-pocket costs for pet owners.

Some highlights include:

  • Our score: 93.5
  • Almost $1 million is donated toward ending homelessness for pets
  • Has a mobile app with resources for pet health and training
  • Doesn’t have annual, lifetime, or per-month limits on plans

Healthy Paws Pros and Cons

Compare the advantages and disadvantages of Healthy Paws:

✔ Most claims are processed within two days of the customer filing a claim
✔ Will recommend other pet insurance providers if its comparison tool decides your quoted premium is abnormally high
✔ The premiums for unlimited coverage plans often cost less than competitors’ unlimited coverage plans

✘ Doesn’t offer customization for pets more than 6 years old
✘ Has a lengthy 12-month waiting period for hip dysplasia treatment

Healthy Paws Plans and Coverage

Healthy Paws offers one streamlined plan for accidents and illnesses, covering expenses related to surgery, hospitalization, emergency care, cancer, hereditary conditions, chronic conditions, and specialty care. This plan also covers diagnostic tests and treatments, such as X-rays, blood tests, ultrasounds, prescription medications, and alternative therapies.

Coverage from Healthy Paws excludes pre-existing conditions, fees for office visits and exams, spaying and neutering, and costs for preventative or routine care.

Get a Quote: Healthy Paws Pet Insurance Quotes

Learn More: Healthy Paws Pet Insurance Review

Prudent Pet

Thanks to its scope of coverage and care, Prudent Pet offers the most comprehensive pet insurance plan to Ohio pet owners.

Some highlights include:

  • Our score: 95
  • Has an option for unlimited coverage
  • Provides a 30-day money-back guarantee
  • Offers customizable options for deductibles and reimbursement percentages

Note: Prudent Pet lost points in our review for its fixed coverage caps and lack of mobile app options.

Prudent Pet Pros and Cons

✔ Offers a 10% multi-pet discount if you’re insuring more than one animal
✔ Provides a 24/7 chat feature with a licensed veterinarian
✔ Its Ultimate Plan covers lost-pet advertising costs, mortality expenses, and boarding kennel fees

✘ No customization available for coverage limits: $10,000 for the Accident-Only and Essential Plans and unlimited for the Ultimate Plan
✘ Does not have a mobile app

Prudent Pet Plans and Coverage

Prudent Pet offers three coverage plans: Accident-Only, Essential, and Ultimate. The Accident-Only Plan covers bite wounds, broken bones, injuries to the mouth, diagnostic tests, surgery, specialized care, prescription medications, and swallowed objects. The Essential Plan includes treatment for illnesses such as cancer, digestive problems, behavioral issues, hereditary and congenital conditions, hip dysplasia, eye, ear, and skin conditions, and urinary infections.

The Ultimate Plan covers everything in the Essential Plan and offers coverage for mortality benefits that cover cremation or burial of a pet, advertising and reward fees for lost pets, boarding kennel and cattery fees, and vacation cancellation fees due to a sick pet. Prudent Pet also offers two wellness add-ons, which cover routine care costs such as vaccinations, microchipping, and deworming and an option for exam fee coverage.

Prudent Pet does not cover pre-existing conditions, breeding, or cosmetic procedures.

Get a Quote: Prudent Pet Insurance Quotes

Learn More: Prudent Pet Insurance Review


We recommend Figo for its impressive Extra Care Pack that includes added coverage for unexpected costs, such as emergency boarding fees, vacation cancellation fees if your pet is sick, and costs of third-party damage your pet may cause.

Some highlights include the following:

  • Our score: 93
  • Provides an unlimited coverage option
  • Has a low deductible option of $100
  • Features the Figo Pet Cloud app for policy management, tracking medical records, finding pet-friendly shops and parks near you, and connecting with other pet owners

Figo Pros and Cons

✔ Has a short waiting period of one day for injuries
✔ Offers a 100% reimbursement rate, which typically isn’t provided by other companies
✔ Provides an optional add-on for vet visit and exam fees that you may owe from a covered treatment

✘ Requires annual vet visits and dental exams for your pet to remain eligible for coverage
✘ Doesn’t cover your pet’s behavioral treatments

Figo Plans and Coverage

Figo’s pet insurance plan covers accidents and illnesses, including chronic conditions, broken bones, cancer, and more. It pays for necessary costs related to those conditions, such as diagnostic tests, prescription medications, surgeries, emergency care, and hospitalization.

For extra coverage with Figo, you can purchase a vet visit and exam fee add-on, and a wellness care plan in one of two coverage levels to help pay for preventative treatments, such as annual checkups and vaccinations. Additionally, the Extra Care Pack covers lost-pet advertising and reward costs, burial and cremation fees, vacation cancellation fees, emergency boarding costs, and third-party property damage liability.

Get a Quote: Figo Pet Insurance Quotes

Learn More: Figo Pet Insurance Reviews

Comparing the Top Providers of Pet Insurance in Ohio

If you’re searching for the best pet insurance in Ohio, we recommend getting quotes from a few of these top providers.

Compare Ohio’s Best Pet Insurance Companies

Provider Sample Pricing Wellness Add-On
Provider Sample Pricing Wellness Add-On
Lemonade $22.50
Spot $23.48
Embrace $45.09
Fetch $54.99
Healthy Paws $43.96
Prudent Pet $44.06
Figo $28.69

*Based on sample quotes for a mixed 4-year-old dog in Cleveland, Ohio.

How Much Is Pet Insurance in Ohio?

While each pet’s quote will differ based on factors like age, breed, and location, we found that the average pet insurance cost in Ohio is between $20 and $87 per month for dogs, and $12 and $46 per month for cats.

The premiums for pet insurance are determined by multiple factors, such as:

  • Species: Pet insurance for dogs tends to be more expensive than pet insurance for cats due to the health issues many dogs encounter as they age. These health issues can make them more expensive to treat and insure over time, leading to higher premiums.
  • Age: As pets age, they can develop a higher risk for health problems like cataracts, arthritis, and cancer. Typically, plan rates increase after your pet reaches 6 years of age.
  • Discounts: Certain pet insurance companies offer discounts to help lower your premiums. Lemonade offers a 10% discount to customers who bundle their home insurance and pet insurance services, and it also offers a 5% multi-pet discount. When it comes to ensuring multiple pets, Prudent Pet and Embrace offer a 10% discount for insuring more than one animal.
  • Breed: Certain breeds are more prone to hereditary conditions or health problems as they age. For example, large dogs such as Great Danes and German Shepherds can be more prone to heart issues and hip dysplasia as they get older, which can raise premium prices.

Pet Insurance in Ohio FAQs

Which pet insurance company covers pre-existing conditions?

Legally, licensed insurers in Ohio and around the country are not able to insure pre-existing conditions. Any accident, injury, or chronic condition that arises before coverage starts or during the waiting period won’t be covered under your policy.

Do all vets take health insurance?

Veterinarians don’t operate inside of specific networks for insurance purposes, unlike health insurance. In most cases, your policy will cover qualifying veterinary bills from any licensed vet in the United States.

Is pet insurance in Ohio worth it?

For most Ohio pet parents, the idea of covering an expensive veterinary emergency is intimidating. Pet insurance can protect you from steep bills in the event of an accident or emergency, leaving you free to focus on your pet’s health instead of suffering from financial stress. We recommend purchasing pet insurance to help pay for the unexpected costs of pet ownership.

Our Conclusion

Lemonade offers a short waiting period for accidents, affordable pricing, and customizable plans. If you’re after unlimited coverage and extra benefits, Prudent Pet may be the best fit for you, while holistically minded pet parents looking for additional treatment options may want to opt for Fetch.

Our Rating Methodology

The This Old House Reviews Team is dedicated to thorough, in-depth reviews of each product or service that we detail in our content. Determined to build trust with our readers through transparency, accuracy, and accountability, we’ve built a detailed rating system to score pet insurance brands. Included in this methodology are the following six factors with their respective scoring weights:

  • Coverage (25)
  • Plan options (20)
  • Monthly cost (20)
  • Company reputation (15)
  • Customer service (10)
  • Species eligibility (10)

Our researchers keep all data in each company’s score up to date, making any changes to our content when necessary to provide our readers with the most accurate information on relevant metrics, such as plan options, customer service, reputation, and monthly cost.

To share feedback or ask a question about this article, send a note to our Reviews team at