Best Pet Insurance in Ohio in 2024

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 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.

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 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.

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 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.

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’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 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 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.

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 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.

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’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.