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Best Pet Insurance in Ohio (OH) in 2024

Author Image Written by Brenda Woods Updated 06/27/2024

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. Quality, affordable pet insurance can take the financial worry out of expensive vet bills, leaving you free to focus on helping your pet heal.

We dug into key metrics such as affordability, policy coverage, and customer service to determine the best pet insurance companies available. We found that Lemonade offers the best pet insurance in Ohio due to its flexibility and affordability.

An Ohio pet insurance policy can provide a buffer against expensive vet bills after unforeseen emergencies or illnesses, ensuring that your pet gets the care it deserves.
Why Trust Us? Our review and rating process for the best pet insurance companies
Companies Considered We carefully considered 22 companies to find the best pet insurance providers available.
Pet Owners Surveyed We surveyed 1,000 pet owners to see what they care about most when in comes to pet insurance.
Reviews Analyzed We went through 3,800 customer reviews of pet insurance companies to see what people had to say about each provider.
Policies Compared We compared 51 policies to find the best pet insurance offerings on the market.

How Do OH Pet Insurance Companies Compare?

Company Star Rating Monthly Cost for Dogs* Monthly Cost for Cats* Visit Site
$33.69 $13.32 VISIT SITE
$38.44 $21.53 VISIT SITE
$20.76 $18.47 Visit Site
$65.15 $53.43 VISIT SITE
$44.83 $24.68 Visit Site
$49.85 $26.55 VISIT SITE
$44.79 $16.36 Visit Site

Who Are Ohio’s Top 7 Pet Insurance Providers?

Best Overall: Lemonade
Most Customizable Plans: Spot
Best for New Pet Owners: ASPCA
Best Deductibles: Embrace
Best Coverage Limit: Healthy Paws
Best Holistic Coverage: Fetch
Best Extra Coverage Add-On: Figo


Best Overall

Lemonade Pet Insurance Pros and Cons

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

Lemonade Overview

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.

Learn More: Lemonade Pet Insurance Review


  • Our score: 96 out of 100
  • 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 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.


Most Customizable Plans

Spot Pros and Cons

Pros 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 Cons 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 Overview

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

Learn More: Spot Pet Insurance Review


  • Our score: 91 out of 100
  • 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 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.


Best for New Pet Owners

ASPCA Pros and Cons

Pros Doesn’t require a vet exam before you can get reimbursed for claims Offers a 10% multi-pet discount at enrollment Includes coverage for behavioral problems and microchipping in its base plan Cons Limits annual coverage to $10,000 maximum Doesn’t provide vet services or customer support over the weekends

ASPCA Overview

ASPCA is our top choice for new pet owners due to its website’s local vet finder tool and extensive collection of pet resources. ASPCA’s plans are also highly customizable with two coverage options, five annual coverage limits, three deductibles, and three reimbursement options.

Learn More: ASPCA Pet Insurance Review


  • Our score: 89 out of 100
  • Insures horses in addition to cats and dogs
  • Underwritten by Crum & Forster Pet Insurance Group with 25 years of industry experience

ASPCA Plans and Coverage

ASPCA has two plans: accident-only and accident-and-illness, which ASPCA refers to as its Complete Coverage plan. The accident-only plan covers treatment for unexpected injuries such as bite wounds, broken bones, toxic ingestions, swallowed objects, and cuts. The Complete Coverage plan includes these injuries plus illnesses and conditions such as diabetes, cancer, hereditary conditions, behavior problems, hypothyroidism, digestive problems, and chronic conditions.

ASPCA also has an optional preventive add-on for an extra monthly fee. It’s offered at a Basic and Prime level and covers routine care vet visits for dental cleanings, wellness visits, vaccinations, and more. The Basic plan reimburses up to $250 annually, and the Prime reimburses up to $450 annually.


Best Deductibles

Embrace Pros and Cons

Pros 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 Cons 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 Overview

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

Learn More: Embrace Pet Insurance Review


  • Our score: 93.5 out of 100
  • Offers a 5% military discount
  • Exam fees are included in the company’s standard policy instead of in an add-on like Lemonade and Healthy Paws
  • Covers preventable conditions, such as Lyme disease, parvo, and parasites

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. It also covers treatments such as hydrotherapy, acupuncture, chemotherapy and other cancer treatments, prescription drugs, and specialist, general, and emergency care.

The company’s 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.

Healthy Paws

Best Coverage Limit

Healthy Paws Pros and Cons

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

Healthy Paws Overview

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.

Learn More: Healthy Paws Pet Insurance Review


  • Our score: 93.5 out of 100
  • 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 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.

Fetch Pet Insurance

Best Holistic Coverage

Fetch Pet Insurance Pros and Cons

Pros 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 Cons 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 Overview

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

Learn More: Fetch Pet Insurance Review


  • Our score: 91.5 out of 100
  • 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 Pet Insurance 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.


Best Extra Coverage Add-On

Figo Pros and Cons

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

Figo Overview

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.

Learn More: Figo Pet Insurance Reviews


  • Our score: 93 out of 100
  • 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 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.

Your quote will vary by your pet’s age, breed, and location, but we found that most pet wellness plans and pet insurance costs $20–$87 per month for dogs and $12–$46 per month for cats.

The following factors determine your premium:


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.


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.


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 plus a 5% multi-pet discount. ASPCA and Embrace offer a 10% discount for insuring more than one animal.


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.

Is Ohio Pet Insurance Worth It?

Yes, in most cases, we’ve found that Ohio pet insurance is worth the investment to provide peace of mind and security. Lemonade offers a short waiting period for accidents, affordable pet insurance pricing, and customizable plans. Spot may be the best fit if you’re after unlimited coverage and extra benefits, while holistically minded pet parents looking for additional treatment options may want to opt for Fetch.

FAQs About Ohio Pet Insurance

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.

Other Ohio Home Service Resources

Our Rating Methodology

We are 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.