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. Read on for a comparison of the Keystone State’s top pet insurance companies with sample rates for 4-year-old dogs and cats in Philadelphia.
Pennsylvania’s Top 5 Pet Insurance Providers
- Lemonade: Best Overall
- Prudent Pet: Most Comprehensive Plan
- Healthy Paws: Best Coverage Limit
- Embrace: Best Deductibles
- Petplan: Best Holistic Coverage
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:
- General illness
- Broken bones
- 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
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
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:
- Diagnostic tests
- Emergency consultations
- Blood tests
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
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 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
Petplan 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
Petplan 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
Petplan Plans and Coverage
Petplan 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
- Chiropractic therapy
- Stem cell therapy
- 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.
Petplan Pet Insurance Cost
Based on our research, a policy from Petplan 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 Petplan
Learn More: Petplan Pet Insurance Review
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 Petplan, 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.
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.
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.
*Based on sample quotes for a medium mixed 4-year-old dog in Philadelphia, Pennsylvania.
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 firstname.lastname@example.org.