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Best Pet Insurance in Delaware (2024 Guide)

Author Icon By Stephanie Koncewicz Updated 01/11/2024

A pet emergency can happen anytime, whether you’re cozying up at home with your tabby cat or grabbing a special treat for your dog at Salty Paws. Enrolling your pet in a pet health insurance plan ensures you won’t have to worry about expensive vet bills if and when unexpected health problems arise.

The This Old House Reviews Team has researched the best pet insurance companies nationwide, comparing coverage, costs, reimbursement options, waiting periods, and more. We narrowed down our choices to the best affordable pet insurance companies in Delaware and detailed their key features below.

Compare Other Pet Companies

Star Rating Monthly Cost Coverage Link
Lemonade Lemonade
$23.22 accident and illness, wellness Visit Site
Spot Spot
$45.75 accident and illness, accident only, wellness Visit Site
Embrace Embrace
$57.19 accident and illness, wellness Visit Site
ASPCA ASPCA
$43.29 accident and illness, accident only, wellness Visit Site
Healthy Paws Healthy Paws
$48.65 accident and illness Visit Site
Lemonade
Logo Lemonade
Star Rating
Monthly Cost $23.22
Coverage accident and illness, wellness
Visit Site
Spot
Logo Spot
Star Rating
Monthly Cost $45.75
Coverage accident and illness, accident only, wellness
Visit Site
Embrace
Logo Embrace
Star Rating
Monthly Cost $57.19
Coverage accident and illness, wellness
Visit Site
ASPCA
Logo ASPCA
Star Rating
Monthly Cost $43.29
Coverage accident and illness, accident only, wellness
Visit Site
Healthy Paws
Logo Healthy Paws
Star Rating
Monthly Cost $48.65
Coverage accident and illness
Visit Site
Providers
Star Rating
Monthly Cost
Coverage
$23.22
accident and illness, wellness
$45.75
accident and illness, accident only, wellness
$57.19
accident and illness, wellness
$43.29
accident and illness, accident only, wellness
$48.65
accident and illness

Delaware’s Top 7 Pet Insurance Providers


Spot Most Customizable Plans
4.6

Spot has the most customizable policies out of all the providers listed here. Pet owners can tailor their plans to fit their budgets with Spot’s two plans, five deductibles, and seven annual coverage limits (with an option for unlimited coverage).  

  • Deductibles: $100, $250, $500, $750, $1,000
  • Reimbursement options: 70%, 80%, 90%
  • Annual coverage limits: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, unlimited

Learn more: Spot Pet Insurance Review

Spot Pros and Cons
Pros Covers microchipping in its standard plan Provides access to 24/7 vet telehealth Offers a 30-day money-back guarantee Cons Doesn’t have customer service available on weekends Has a two-week waiting period for accidents (longer than other competitors)
Why We Chose Spot

Spot scored 91 out of 100 for its budget-friendly, customizable coverage. Spot offers both an accident-and-illness and accident-only plan along with three reimbursement rates, seven annual limits, and five annual deductibles.

Unlike many providers, Spot covers microchip implantation in its standard plan. Other providers cover it if you pay more for a monthly add-on. According to the Delaware SPCA, one in three pets will become lost, and 90% never make their way back without proper identification. With microchipping coverage from Spot, you’re more likely to welcome your lost pet home.

Spot covers curable preexisting conditions, such as ear infections and diarrhea, as long as your pet has not had symptoms or treatment for the condition in 180 days.

Healthy Paws Best Coverage Limit
4.5

Healthy Paws is worth considering if you’re looking for an affordable pet insurance plan with unlimited coverage. 

  • Deductibles: $250 or $500
  • Reimbursement options: 70%, 80%, 90%
  • Annual coverage limits: Unlimited

Learn more: Healthy Paws Pet Insurance Review

Healthy Paws Pros and Cons
Pros Donates to a homeless pet’s medical care each time a quote is requested Has a two-day waiting period for accidents Processes most claims within two days Cons Doesn’t offer customization options for pets older than six Has a 12-month waiting period for hip dysplasia
Why We Chose Healthy Paws

We scored Healthy Paws 93.5 out of 100. We were impressed with its unlimited coverage, which is more affordable than competitors’ unlimited plans. The company also has no per-incident, annual, or lifetime caps, ensuring you never have to worry about exceeding your limit and paying out of pocket.

Healthy Paws offers one accident-and-illness policy covering procedures and treatments related to diagnosis and care for your pet’s injuries, illnesses, or health conditions. The company’s base plan also covers alternative therapies such as acupuncture, homeopathy, laser therapy, and physical therapy.

Embrace Best Deductibles
4.7

Embrace offers a diminishing deductible that reduces your annual deductible by $50 each year you don’t submit a claim. 

  • Deductibles: $200, $300, $500, $750, $1,000
  • Reimbursement options: 70%, 80%, 90%
  • Annual coverage limits: $5,000, $8,000, $10,000, $15,000, $30,000

Learn more: Embrace Pet Insurance Review

Embrace Pros and Cons
Pros Covers pets as young as six weeks Offers a 10% discount if you enroll multiple pets Only reviews the last 12 months of your pet’s medical records Cons Caps coverage at $30,000 annually (lower than other competitors) Has a six-month waiting period for orthopedic conditions
Why We Chose Embrace

Embrace scored 93.5 out of 100 for its five pet insurance deductible options—more than other competitors on this list. The company also offers a “Healthy Pet” diminishing deductible that reduces your deductible by $50 each year you do not submit a claim. This could eventually bring your deductible down to $0.

Embrace’s comprehensive accident-and-illness plan covers dental illnesses, genetic conditions, and alternative therapies. It guarantees coverage for any injury or illness that is not preexisting. Its wellness plan—offered at three reimbursement levels ($250, $450, and $650)—reimburses routine veterinary care, including exam fees, vaccinations, grooming, and microchipping.

Fetch Pet Insurance Best Holistic Coverage
4

Fetch Pet Insurance is our top choice for holistic coverage. It covers treatments such as chiropractic care, stem cell therapy, and hydrotherapy in its standard plan. 

  • Deductibles: $250, $300, $400
  • Reimbursement options: 70%, 80%, 90%
  • Annual coverage limits: $5,000, $10,000, $15,000

Learn more: Fetch Pet Insurance Review

Fetch Pet Insurance Pros and Cons
Pros Extends a “Healthy Pet” credit that lowers your premium by 15% when you don’t submit any claims in one year Offers multiple discounts, including 10% off for military members and veterans Provides comprehensive dental benefits covering every adult tooth Cons Doesn’t offer a wellness care add-on Has a 15-day waiting period for accidents and illnesses
Why We Chose Fetch Pet Insurance

Fetch scored 91.5 out of 100 for its extensive coverage of alternative therapies in its base plan, including acupuncture, chiropractic care, hydrotherapy, homeotherapy, and stem cell therapy. Its standard accident-and-illness plan also covers advertising and rewards for lost pets, emergency boarding fees, and dental illnesses.

Fetch provides more savings opportunities than any other company on this list. It stands out for its “Healthy Pet” credit, which gives policyholders 15% off their monthly premium if they don’t file a claim in a year. The savings cap at 30% if customers go more than 2 years without filing.

Figo Best Extra Coverage Add-On
4.7

Figo offers an Extra Care Pack add-on that covers unique circumstances outside the vet’s office, such as vacation cancellation fees due to a pet’s illness or emergency.

  • Deductibles: $100, $250, $500, $750, $1,000, $1,500 (can vary depending on your pet’s age and breed)
  • Reimbursement options: 70%, 80%, 90%, 100%
  • Annual coverage limits: $5,000, $10,000, unlimited

Learn more: Figo Pet Insurance Review

Figo Pros and Cons
Pros Doesn’t have an upper age limit for enrollment Provides access to the Pet Cloud app with 24/7 vet access Has one of the shortest waiting periods for injuries Cons Adjusts deductibles based on your pet’s age and breed Doesn’t insure pets younger than eight weeks
Why We Chose Figo

Figo scored 93 out of 100, standing out from other providers for its three unique “powerups,” or add-on packages. The wellness powerup (offered at a basic and premium level) reimburses preventive care such as vaccinations, spay/neuter surgery, blood work, and heartworm testing. The vet exam powerup covers vet fees associated with diagnosing or treating an illness or injury.

Figo’s most impressive powerup, the Extra Care Pack, covers the costs of special circumstances. This includes boarding fees, cremation and burial, lost pet advertising and reward, and up to $10,000 in third-party property damage caused by your pet.

Wagmo Best for Wellness
4

Wagmo is the only provider on our list that offers a stand-alone wellness plan without the purchase of a standard pet insurance policy.  

  • Deductibles: $250, $500, $1,000
  • Reimbursement options: 90% or 100%
  • Annual coverage limits: $10,000 per-incident cap; $20,000 annual cap; $100,000 lifetime cap

Get a quote: Use Wagmo’s online quote form

Wagmo Pros and Cons
Pros Covers up to $100,000 over your pet’s lifetime Offers one free month of wellness if you pay annually Provides a 10% multi-pet discount Cons Doesn’t cover hip dysplasia if you’re enrolling a pet older than six Requires a 30-day waiting period for cancer treatments
Why We Chose Wagmo

Wagmo scored 90 out of 100 for giving customers the option of a stand-alone wellness plan, an accident-and-illness plan, or both. It’s the only provider on this list with a separate wellness plan, which is offered at three different levels ($350, $650, or $1,100).

Wagmo has a few limits in place, including a $10,000 per-incident cap, a $20,000 annual cap, and a $100,000 lifetime cap. According to Wagmo’s research, pet owners can expect to pay up to $20,000 on annual care over their pet’s life, making Wagmo’s $100,000 lifetime cap more than enough. In addition, Wagmo offers the highest reimbursement rates of 90% or 100%.

Trupanion Best for Direct Payments
4.5

Trupanion stands out for several unique features, primarily its vet direct payments and flexible deductible.

  • Deductibles: Customers select a per-condition deductible between $0 and $1,000 (in $5 increments)
  • Reimbursement options: 90%
  • Annual coverage limits: Unlimited

Learn more: Trupanion pet insurance Review

Trupanion Pros and Cons
Pros Offers unlimited coverage and a 90% reimbursement rate Has 24/7 customer service Provides discount for assistance or therapy pets Cons Doesn’t offer a preventive care add-on Is more expensive per month than most other providers
Why We Chose Trupanion

Trupanion scored 89.5 out of 100, standing out for its vet direct payments. Policyholders only have to pay their portion of their vet bill at checkout (as opposed to paying it in full and waiting for reimbursement).

Trupanion has one robust accident-and-illness plan with 90% reimbursement and no payout caps. Another unique feature is that customers can choose their own deductible amount, anywhere between $0 and $1,000 (in $5 increments). Trupanion also offers three add-on packages that cover alternative treatment costs, special circumstances, and breeding-related costs.


Compare the Top Providers of Pet Insurance in Delaware

Compare the top pet insurance companies in the Diamond State: 

Provider

Avg Cost of Dog Insurance*

Avg Cost of Cat Insurance*

Number of Plans and Add-Ons

Wellness Add-On

Spot

$45.41

$24.89

4

Healthy Paws

$42.78

$20.00

1

Embrace

$45.11

$26.52

2

Fetch Pet Insurance

$36.07

$33.35

1

Figo

$33.14

$17.35

6

Wagmo

$57.42

$36.00

4

✓ (Stand-alone wellness plan)

Trupanion

$92.90

$63.08

4

*Based on sample quotes for a mixed 4-year-old dog or cat in Dover, Delaware.


What Pet Insurance Does and Doesn’t Cover

Pet insurance coverage varies based on the plan you choose, such as an accident-only or an accident-and-illness plan. Accident-only plans cover diagnostic testing, hospitalization, surgeries, emergency care, and prescription medications related to accidents and injuries. An accident-and-illness plan is more comprehensive, covering everything in the accident-only plan plus diseases and health conditions.

Several providers offer wellness care add-ons. These are added to your standard plan for an extra monthly fee and cover routine care such as exam fees, vaccinations, spay or neuter surgery, dental cleanings, and flea, heartworm, and tick prevention. (Covered services vary across providers. Be sure to choose a provider that covers your pet’s needs.)

Every pet insurance plan has exclusions, or certain injuries, illnesses, or conditions that are not covered. Preexisting conditions are a common exclusion among providers. This includes any health condition your pet was diagnosed with or showed symptoms of before your policy was active (including during the waiting period). Other common exclusions include breeding costs, boarding costs, cosmetic or elective surgeries, grooming, and preventive care (unless you purchase an add-on package). Make sure to read the fine print prior to enrollment to understand what your provider will and will not cover.

A few companies, such as Embrace and Spot, will consider covering a preexisting condition as long as your pet has not shown symptoms or received treatment for it within a set waiting period.


Our Conclusion

Whether you’re walking your dog on the sandy beaches of Rehoboth or adopting a new feline friend from Delaware Pet Rescue, you want to be prepared for the unexpected. A pet insurance policy will bring you peace of mind that the care of your furry family member will be covered if an emergency arises. 

We recommend Spot as the best option for Delaware pet owners, particularly those looking for affordable, flexible coverage options. It’s best to get quotes from at least three pet insurance providers to compare and choose the right policy for you and your beloved pet.


Other Delaware Home Service Resources


FAQ About Pet Insurance in Delaware

Is pet insurance in Delaware worth it?

Pet insurance is worth it for many pet owners. We surveyed 1,000 pet owners across the United States, and 93% said they felt pet insurance was worth it. An accident or illness can happen anytime. Pet insurance prevents you from paying expensive vet bills and ensures your pet gets the care it needs. 

How much is pet insurance in Delaware?

Pet insurance in Delaware averages $30–$50 per month for dogs and $15–$30 per month for cats. Pet insurance premiums can cost anywhere from $15–$100 per month. Monthly costs vary depending on your provider, location, and pet’s age and breed. For example, French bulldogs are costlier to insure because they’re predisposed to respiratory issues.

Do I have to pay vet bills up-front if I have pet insurance?

Yes, you typically have to pay vet bills up-front if you have pet insurance. You will have to submit a claim, along with the necessary paperwork from your vet, to be reimbursed. Some providers, such as Trupanion and Pets Best, offer vet direct payments so you don’t have to wait for reimbursement.


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 reviews@thisoldhousereviews.com.