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Best Pet Insurance in Pennsylvania (2022)

If you live in Pennsylvania, one of the pet insurance companies below could protect your pet if it’s injured or gets sick, and it can help prevent you from paying for expensive vet bills.

A grey Great Dane dog standing in a field looking at the camera Adobe

An unexpected vet emergency doesn’t have to derail your finances or leave you with a difficult decision to make about your beloved pet. From Pittsburgh to Philadelphia, pet parents count on pet insurance to shield them from costly veterinary bills and ensure their dogs and cats get the care they need.

To help you choose from the best pet insurance providers in Pennsylvania, the This Old House Reviews Team has carefully evaluated each company by collecting customer survey data, gathering local quotes, and analyzing coverage options.

Pennsylvania’s Top 7 Pet Insurance Providers


Due to its competitive rates, extensive plan lineup, and simple user experience, Lemonade is our highest-rated pet insurance provider in Pennsylvania.

  • Our score: 96
  • Offers $100,000 in annual benefits, higher than most carriers reviewed
  • Its giveback program donates up to 40% of premiums to non-profits
  • Features wellness add-ons specifically designed for puppies and kittens

Lemonade’s biggest shortcoming in our review was its lower rating from the Better Business Bureau (BBB). However, most BBB complaints are centered around Lemonade’s renters insurance and the company’s homeowners insurance policies, not its pet insurance policies.

Lemonade Pet Insurance Pros and Cons

✔ Has a two-day waiting period for accidents, while many companies have a 14-day waiting period
✔ Consistently offers lower plan rates than most providers
✔ Extends discounts for insuring multiple pets, bundling with home insurance, and paying annually

✘ Excludes behavioral issues and dental treatment from coverage
✘ Can be challenging to reach for customer support

Lemonade Pet Insurance Plans and Coverage

Lemonade’s accident and illness plan provides coverage for procedures, diagnostic testing, hospitalizations, emergency treatment, and prescriptions when your pet is ill or injured.

These treatments are covered when they are related to:

  • Cancer
  • General illness
  • Broken bones
  • Infection
  • Hip dysplasia
  • Heart disease

In addition to accident and illness coverage, Lemonade has add-ons for vet fees and physical therapy. Lemonade also offers a preventative care add-on for vaccinations, annual checkups, and blood tests, ranging from $13–$31 per month for dogs and $11–$19 per month for cats.

Lemonade’s accident and illness policy excludes elective cosmetic procedures, dental care, behavioral therapy, and pre-existing conditions.

Lemonade Pet Insurance Cost

Based on our research, an average Lemonade accident and illness plan costs $12.75–$30.83 per month for dogs and $11–$18.42 per month for cats.

Get Quote: Compare Rates with Lemonade

Learn More: Lemonade Pet Insurance Review


Spot provides the most customization out of these companies with two plans to choose from and seven annual coverage limits ranging from $2,500 to unlimited.

  • Our score: 91
  • Has an extensive resource blog for pet owners who want to learn more about taking care of their animals
  • Includes access to 24/7 telehealth line for each policyholder
  • Has a 30-day money-back guarantee

Spot Pros and Cons

✔ Provides coverage for vet visit fees without charging extra per month, unlike many competitors
✔ Includes coverage for your pet’s microchip implantation
✔ Has a less expensive accident-only plan with prices than don’t vary based on your dog’s or cat’s age or breed

✘ Has a 14-day waiting period for accidents, which is longer than some competitors
✘ Doesn’t have weekend customer service availability

Spot Plans and Coverage

Spot’s plans come with either accident-only coverage for things like injuries, bite wounds, and toxic ingestions, or accident and illness coverage for a broader range of covered conditions. Those conditions can include general illnesses, congenital conditions, dental trauma, cancer, and more. Spot policies also come with microchipping and vet exam fees coverage without any extra monthly costs.

For additional coverage, you can also purchase the Gold or Platinum preventative care plans. They cover routine treatments, such as annual checkups and vaccinations with specified per-treatment limits. The Gold plan comes with a total of $250 per year for those limits, and the Platinum plan comes with $450 per year.

Spot Pet Insurance Cost

Based on the sample quotes we received, you can generally expect to pay somewhere between $20 and $90 for dogs and $10 and $50 for cats with standard Spot accident and illness policies.

Get Quote: Compare Rates with Spot

Learn More: Spot Pet Insurance Review


Embrace is unmatched when it comes to flexible deductibles and savings. While most providers offer two or three deductible options, Embrace has five, letting you customize your rates and coverage.

  • Our score: 93.5
  • Lowers your deductible by $50 each year you don’t file a claim
  • Covers exam fees in its basic accident and illness plan, unlike most providers reviewed
  • Allows you to choose from five deductible options that range between $200 and $1,000 to tailor monthly premiums to your budget

Embrace Pros and Cons

✔ Has a user-friendly app with a 24/7 Pet Help Line
✔ Features 100% reimbursement for preventative care, while most providers cap the amount of coverage per item
✔ Covers treatments often excluded by other providers, such as acupuncture and hydrotherapy

✘ Has more expensive wellness plans than some companies in this review
✘ Includes a $1 installment fee if you make monthly payments rather than annual ones

Embrace Plans and Coverage

Embrace has one accident and illness plan with a routine care add-on. The plan features coverage for:

  • Dental trauma
  • Cancer treatments
  • Genetic conditions, such as hip dysplasia
  • Chronic illnesses, including allergies
  • Preventable conditions like parvo and parasites
  • Orthopedic conditions

Embrace issues reimbursements for prescriptions, treatments, operations, emergency care, vet and specialist care, diagnostic tests, and hospitalization. Embrace also covers physical therapy, and alternative treatments such as homeotherapy, which are sometimes excluded from accident and illness plans.

The optional Wellness Rewards for Routine Care package adds $250–$650 of preventative benefits, reimbursing you for 100% of wellness care expenses up to your selected annual maximum.

Embrace Pet Insurance Cost

Based on our thorough evaluation of pet insurance costs in Pennsylvania, the average pet plan from Embrace is $18.72–$72.75 per month for dogs and $11–$42.76 per month for cats.

Get Quote: Compare Rates with Embrace

Learn More: Embrace Pet Insurance Review

Fetch by The Dodo

Fetch is a suitable pick for pet owners who want a plan that covers holistic treatments, such as homeopathy and stem cell therapy.

  • Our score: 91.5
  • Reimburses up to $1,000 of behavioral treatments costs, typically excluded or limited by other providers
  • Covers vacation cancellation fees due to a sick or injured pet, kennel fees, and advertising and reward cost for missing pets
  • Does not deny pets coverage based on old age, while most providers have age-related cutoffs

Fetch by The Dodo Pros and Cons

✔ Allows you to customize your reimbursement, annual limits, and deductibles
✔ Reimburses up to $1,000 of telehealth visit costs
✔ Features discounts for rescue and shelter pets, service pets, military members, and more

✘ Lacks a wellness add-on, which some of the companies in this review offer
✘ Has a 15-day waiting period for accidents, which is longer than some companies in this review

Fetch by The Dodo Plans and Coverage

Fetch has one accident and illness plan and does not offer any wellness add-ons. It provides basic coverage for emergency procedures, diagnostics, prescriptions, and hospitalizations in addition to:

  • Comprehensive dental care for all teeth
  • Acupuncture
  • Chiropractic therapy
  • Stem cell therapy
  • Hydrotherapy
  • Homeopathy
  • Up to $1,000 of behavioral therapy

It also covers vacation cancellations resulting from a qualified condition, boarding fees when pet owners are hospitalized for at least four days and can’t take care of their pet, and lost-pet advertisement and reward money. The policy excludes cosmetic and elective procedures, wellness care, and pre-existing conditions.

Fetch by The Dodo Pet Insurance Cost

Based on our research, a policy from Fetch falls between $59.56 and $201.04 per month for a dog and between $24.78 and $85.62 per month for a cat.

Get Quote: Compare Rates with Fetch

Learn More: Fetch by The Dodo Pet Insurance Review

Healthy Paws

While Healthy Paws has a less comprehensive plan than Prudent Pet, it stands out for offering limitless coverage with its basic accident and illness policy.

  • Our score: 93.5
  • Doesn’t have per-incident, annual, or lifetime coverage limits, so your policy’s benefits never max out
  • Offers more competitive rates for unlimited coverage than other companies
  • Plans are underwritten by Chubb, a reputable global insurance group

Healthy Paws Pros and Cons

✔ Provides a 30-day money-back guarantee
✔ Recommends other pet insurance providers if your quoted rates are unusually high
✔ Claims to pay out most claims within two days of filing, according to its website

✘ Has fewer deductible and reimbursement options than some competitors
✘ Offers only one plan, while other providers in this review offer multiple levels of coverage

Healthy Paws Plans and Coverage

Healthy Paws has one accident and illness plan, which reimburses pet owners for:

  • Medications
  • Operations
  • Diagnostic tests
  • Emergency consultations
  • Blood tests
  • Hospitalizations

Healthy Paws covers the following conditions: broken bones, general sickness, cancer, hereditary and congenital conditions, and chronic illnesses.

Healthy Paws’ plan excludes coverage for routine care costs, cosmetic and elective procedures, and routine vet visits. It also enforces a 12-month waiting period for hip dysplasia, which is covered by some companies after six months.

Healthy Paws Pet Insurance Cost

Our research indicates that a Healthy Paws accident and illness plan in Pennsylvania costs an average of $37.01–$48.74 per month for a dog and $17.30–$22.82 per month for a cat.

Get Quote: Compare Rates with Healthy Paws

Learn More: Healthy Paws Pet Insurance Review

Prudent Pet

Though Prudent Pet’s accident and illness plan is typically more expensive than Lemonade’s, it offers some of the most comprehensive coverage in the industry. In addition to accident and illness coverage, Prudent Pet has an Ultimate Plan with limitless annual coverage and features excluded from most competitors’ plans, such as reimbursement for vacation cancellation costs, lost pet replacement costs, and boarding fees.

  • Our score: 95
  • Provides unlimited protection, so your vet bills will never exceed coverage limits
  • Features 24/7 online support with a live chat tool
  • Offers accident-only, accident and illness, and comprehensive plans

Prudent Pet Pros and Cons

✔ Offers a 10% multi-pet discount
✔ Features adjustable deductibles and reimbursement rates, letting you tailor your coverage to your needs
✔ Meets a range of budgets and coverage needs with plans spanning from accident-only to comprehensive with wellness care add-ons

✘ Has higher plan rates than other providers for accident and illness coverage
✘ Does not allow pet owners to adjust coverage limits

Prudent Pet Plans and Coverage

Prudent Pet has three plans, along with wellness care add-ons:

  • Accident-Only Plan: The most affordable of Prudent Pet’s plans protects your dog or cat in the event of an accidental injury, with up to $10,000 of annual coverage. Benefits extend to hospitalizations, prescriptions, procedures, emergency care, diagnostics, and alternative treatments prescribed by a licensed vet.
  • Essential Plan: The Essential Plan offers $10,000 of accident and illness protection annually. In addition to the coverage provided by the Accident-Only Plan, the Essential Plan covers hereditary or congenital conditions, general illness, hip dysplasia, cancer, ear, eye, and skin conditions, and behavioral problems.
  • Ultimate Plan: With the Ultimate Plan, pet parents get the benefits of the Essential Plan but with no annual coverage limits. The policy also features reimbursement costs for missing pet advertisement and reward fees, boarding and kennel fees, end-of-life expenses for services like cremation, and vacation cancellation costs due to a sick or injured pet.

Prudent Pet also offers preventative care and vet exam add-ons. Preventative care add-ons in Pennsylvania range from $11.95–$29.95 per month, with vet exam coverage costing a few additional dollars per month.

Prudent Pet Pet Insurance Cost

Based on our research, accident and illness plans from Prudent Pet fall between $22.21 and $110.90 per month for dogs and $13.32 and $59.96 per month for cats.

Get Quote: Compare Rates with Prudent Pet

Learn More: Prudent Pet Pet Insurance Review


If you’re looking for extra coverage for expenses you may have while owning your pet, we recommend Figo for its Extra Care Pack. It covers a variety of things, including third-party property damage your pet may cause, up to $10,000.

  • Our score: 93
  • Provides an unlimited coverage option
  • Features the Figo Pet Cloud app, which uniquely connects you to other pet owners and pet-friendly locations in your area
  • Typically processes claims within three days of filing

Figo Pros and Cons

✔ Has a one-day waiting period, which is shorter than its competitors in this review
✔ Provides lower prices for older animals than many competitors, according to our sample quotes
✔ Includes a 100% reimbursement option for coverage without any copays

✘ Varies deductible options depending on your pet’s age or breed
✘ Requires annual checkups and dental exams to remain eligible for coverage

Figo Plans and Coverage

Purchasing a Figo pet insurance policy means getting comprehensive coverage for treatments, procedures, and other costs related to accidents and illnesses. This could include diagnostic tests, hip dysplasia procedures, surgeries, hospitalization, emergency care, prescription medications, and more.

It also provides the Extra Care Pack for coverage on additional unexpected costs, including third-party property damage, lost-pet advertising and reward money, vacation cancellation fees while your pet is sick, emergency boarding costs if you’re hospitalized, burial or cremation costs, and replacement costs if your pet is lost or stolen.

To further fine-tune your policy, you can purchase one of two wellness add-ons for help paying for routine care costs, such as vaccinations, dental cleanings, and annual checkups. You can also add coverage for vet visits and exam fees.

Figo Pet Insurance Cost

Figo policies are generally on the cheaper side with prices for dogs ranging from $20 to $70 and cats ranging from $12 to $40 per month, based on the sample quotes we’ve received in Pennsylvania on standard policies.

Get Quote: Compare Rates with Figo

Learn More: Figo Pet Insurance Review

Comparing the Top Pet Insurance Providers in Pennsylvania

To choose a pet insurance company, consider your pet’s coverage needs and compare quotes from at least three reputable pet insurance providers in your ZIP code.

Compare Pennsylvania’s Best Pet Insurance Companies

Provider Monthly Pricing* Wellness Add-on
Provider Monthly Pricing* Wellness Add-on
Lemonade $19.08
Spot $26.84
Embrace $46.11
Fetch $80.78
Healthy Paws $48.74
Prudent Pet $42.54
Figo $26.41

*Based on sample quotes for a medium mixed 4-year-old dog in Philadelphia, Pennsylvania.

How Much Is Pet Insurance in Pennsylvania?

Our research indicates that pet insurance in Pennsylvania typically costs around $13–$202 per month for dogs and $11–$86 per month for cats.

Your pet insurance rates can depend on the following factors:

  • Age: As your pet ages, its risk of getting sick or injured increases. To account for this heightened risk, pet insurance companies charge higher rates for older pets. That’s why you should get a pet health insurance plan as early in your dog or cat’s life as possible.
  • Species: Because dogs tend to be at a higher risk of congenital conditions like hip dysplasia, pet insurance for dogs is usually more expensive than pet insurance for cats.
  • Breed: Labrador retrievers and other large breeds are more likely to suffer from hip dysplasia than some smaller breeds, which can account for higher premiums.
  • Location: Metropolitan areas tend to have a higher cost of living than rural areas, a trend that extends to pet healthcare costs. As such, city dwellers may have to pay more for pet insurance. Compare pricing from at least three pet insurance companies within your ZIP code to get the most accurate rates.
  • Customization: Your deductible, coverage cap, and reimbursement level can have a significant effect on your pet insurance premiums. For reference, our quote from Prudent Pet for a medium mixed-breed 4-year-old dog in Philadelphia with a $10,000 annual limit, 70% reimbursement, and $1,000 annual deductible is $22.21 per month. The sample rate for the same dog with an unlimited annual benefit, 90% reimbursement rate, and $100 annual deductible is $110.90 per month.
  • Discounts: Many pet insurance providers extend discounts to multi-pet policyholders. Other companies, such as Fetch, provide discounts to active military members and veterans.

Frequently Asked Questions About Pet Insurance in PA

What is the most reasonable pet insurance in Pennsylvania?

After researching pet insurance quotes from several providers, we’ve determined that Lemonade generally offers the most reasonable pet insurance prices in Pennsylvania, with a range of flexible deductibles, coverage caps, and reimbursement levels. To get the best pet insurance for your needs at the lowest cost, compare multiple quotes in your area.

Is medication covered by pet insurance?

Pet insurance usually covers medication when it is prescribed by a licensed vet for a condition included in the pet’s plan. Preventative prescriptions, such as vaccinations and heartworm medication, are typically excluded from coverage unless you purchase a wellness care add-on.

What is the average waiting period for pet insurance?

All pet insurance companies have a waiting period, which is the amount of time before a policy’s coverage is activated. The average waiting period for pet insurance is 14 to 15 days, but some companies enforce only a two-day waiting period for accident coverage.

Is pet insurance worth it?

In our proprietary survey of 1,000 pet owners, 43% of respondents said they would have to take out a personal loan or use a credit card to pay for an expensive vet bill. Pet insurance can be worth the peace of mind and financial protection it offers if a pet emergency arises.

Our Conclusion

Overall, Lemonade is our top recommendation for pet insurance in Pennsylvania for its affordable, flexible coverage and streamlined customer experience.

However, if you’d like a more comprehensive plan, Prudent Pet may be a sensible choice. We suggest you get at least three quotes from different providers to compare costs and coverage for your pet and budget before making your final selection.

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