Best Pet Insurance in Virginia (VA)
From the waters of the Chesapeake Bay to the peaks of the Blue Ridge Mountains, there are plenty of pet owners in Virginia who cherish their time with their animals and can benefit from a pet insurance policy. No one wants to max out their credit card debt or fork out their savings to pay for their pet’s unexpected emergency treatments. That’s where pet insurance comes in—it can provide peace of mind that your pet will get the care it needs without breaking the bank.
The This Old House Reviews Team has spent hours analyzing the top pet insurance providers on the market, studying the inconveniences of pet ownership by conducting surveys and reading customer reviews and curating a list of the best pet insurance companies in Virginia.
Compare Other Pet Companies
| Star Rating | Monthly Cost | Coverage | Link | ||
|---|---|---|---|---|---|
| Lemonade | | $23.22 | accident and illness, wellness | Visit Site | |
| Spot | | $45.75 | accident and illness, accident only, wellness | Visit Site | |
| Embrace |  | $57.19 | accident and illness, wellness | Visit Site | |
| ASPCA |  | $43.29 | accident and illness, accident only, wellness | Visit Site | |
| Healthy Paws |  | $48.65 | accident and illness | Visit Site |
| Lemonade | |
|---|---|
| Logo |
 |
| Star Rating | |
| Monthly Cost | $23.22 |
| Coverage | accident and illness, wellness |
| Spot | |
|---|---|
| Logo |
|
| Star Rating | |
| Monthly Cost | $45.75 |
| Coverage | accident and illness, accident only, wellness |
| Embrace | |
|---|---|
| Logo |
 |
| Star Rating | |
| Monthly Cost | $57.19 |
| Coverage | accident and illness, wellness |
| ASPCA | |
|---|---|
| Logo |
|
| Star Rating | |
| Monthly Cost | $43.29 |
| Coverage | accident and illness, accident only, wellness |
| Healthy Paws | |
|---|---|
| Logo |
|
| Star Rating | |
| Monthly Cost | $48.65 |
| Coverage | accident and illness |
Top 5 Pet Insurance Providers in Virginia
Compare the Top Providers of Pet Insurance in Virginia
Since many factors affect the price, as detailed below, we encourage you to get multiple quotes to ensure you’re getting the best pet insurance for your specific pet.
Comparison of the Best Pet Insurance Companies in Virginia
| Provider | Avg Cost of Dog Insurance* | Avg Cost of Cat Insurance* | Number of Plans and Add-ons | Wellness Add-On |
|---|---|---|---|---|
|
Lemonade |
$15-$30 |
$9-$15 |
3 |
✓ |
|
Spot |
$15-$25 |
$10-$15 |
4 |
✓ |
|
Healthy Paws |
$30-$65 |
$20-$30 |
1 |
✘ |
|
ASPCA |
$15-$25 |
$10-$20 |
4 |
✓ |
|
Pawp |
$24 |
$24 |
1 |
✘ |
The sample quotes in this article are for various 4-year-old animals in Alexandria, Virginia, on policies with $5,000 annual limits, $250 deductibles, and 80% reimbursement rates when those customizable options were available.
How Much Is Pet Insurance in Virginia?
Virginia pet insurance prices vary depending on a few factors, such your ZIP code and pet’s specific details. In general, we found that policies typically fall between $15 and $90 per month when pulling various pet insurance quotes during our research. Here are other factors that may affect your pet insurance rates:
- Species: If you’re looking for pet insurance for your cat, you’re likely going to pay less than if you were looking for dog insurance, since cats aren’t as prone to expensive health conditions such as hip dysplasia and cruciate ligament issues.
- Breed: Certain breeds are pricier to insure if they’re known to have health conditions. For instance, Great Danes have a high likelihood of experiencing hip dysplasia in their lifetime and therefore can be considerably more expensive to insure than healthier dog breeds.
- Age: Some animals older than 8–9 years old can cost more than $150 per month for coverage. Purchasing a policy as early as possible can help keep rates lower, but you should expect your premium to increase as your companion ages.
- Customization: If you’re having trouble finding a policy that fits within your budget, you can lower your premium by selecting a higher annual deductible, a lower annual coverage limit, and a lower reimbursement rate. For example, a policy from Spot for a mixed dog with unlimited annual coverage, a $100 annual deductible, and a 90% reimbursement rate costs $114.21 per month, while a policy with $2,500 of annual coverage, a $1,000 annual deductible, and a 70% reimbursement rate was quoted at $14.85 per month.
Frequently Asked Questions
Is pet insurance in Virginia worth it?
With the cost of vet bills increasing, pet insurance in Virginia can be worth the peace of mind it provides. You can rest assured that you’ll have the means to pay for your dog or cat’s necessary treatments after an unexpected emergency without having to rack up any credit card expenses.
Adding to credit card debt from vet bills is a common pain point for pet parents. When we surveyed 1,000 pet owners, we found that around 40% of them would have to use a credit card to pay for unexpected vet bills and 9% didn’t know how they’d afford them. Pet insurance can protect you from unwanted credit card debt by reimbursing you for your dog or cat’s procedures in a timely manner.
When should I purchase a pet insurance policy in Virginia?
We recommend purchasing your pet insurance policy while your animal is young, so that all future conditions are covered. If you wait until after your pet gets sick or injured, it would be considered a pre-existing condition and wouldn’t qualify for coverage.
Does pet insurance cover my pet’s vaccinations?
Although standard pet insurance policies won’t cover vaccinations or any other wellness or preventative care treatments, you can add extra coverage for routine care to your policy with many top providers, including Lemonade, Spot, and ASPCA Pet Health Insurance.
Our Conclusion
Although Lemonade scored the highest in our review, providing the best overall policies with a fast claims process, affordable prices, and comprehensive coverage, other pet insurance companies in Virginia may make more sense for you depending on your needs. If you want unlimited annual coverage, consider Healthy Paws or Spot. On the other hand, Pawp may be best for pet owners who have older animals or more expensive breeds, since it offers a digital clinic and emergency fund at a flat monthly rate.
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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.
