Best Pet Insurance in West Virginia

With five choices of deductibles, three possible reimbursement rates, and seven coverage limits, Spot offers the most customizable plans of any provider on our list.

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

Learn more: Spot Pet Insurance review

With a score of 91 out of 100, Spot provides flexibility when it comes to purchasing pet insurance. Spot has an accident-only and accident-and-illness plan, with the ability to add Gold or Platinum wellness coverage to either plan. Spot has no upper age limits for enrollment and a waiting period of only 14 days for hip dysplasia and cruciate ligament problems, making it a practical choice for pets of all ages.

ASPCA Pet Insurance’s website and app offer more than just pet insurance quotes—new pet owners can also find local resources for pet care.

• Deductibles: $100, $250, $500
• Reimbursement options: 70%, 80%, 90%
• Maximum coverage limits: $3,000, $4,000, $5,000, $7,000, or $10,000

Learn more: ASPCA Pet Health Insurance review

With a rating of 89 out of 100, ASPCA gets points for offering two pet insurance plans and two wellness add-ons. Underwritten by the C&F Insurance Agency and the US Fire Insurance Company, ASPCA is also one of the few to offer pet coverage for horses (along with cats and dogs).

With five deductible options, Embrace lets you customize your monthly premiums to fit your budget.

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

Learn more: Embrace Pet Insurance review

Embrace also scores a 93.5 out of 100. You can add wellness coverage for routine veterinary care at $250, $450, or $650 per month to this insurance agency’s single accident-and-illness plan. As your pet ages, it may need more or less care, so it’s wise to have options.

Healthy Paws plans have no per-incident, per-year, or lifetime payout limits on coverage.

• Deductibles: $250, $500
• Reimbursement options: 70%, 80%
• Maximum coverage limits: Unlimited

Learn more: Healthy Paws Pet Insurance review

We rate Healthy Paws a 93.5 out of 100 based on the comprehensiveness of its coverage and its lack of payout limits. Although there are no add-ons for wellness or spay/neuter coverage, Healthy Paws’ single accident-and-illness plan will cover nearly all of the unexpected medical care your pet needs.

In addition to wellness add-ons, Figo offers optional coverage for exam fees and expenses not related to vet bills such as boarding, vacation cancellation, and end-of-life costs.

• Deductibles: $100, $250, $500, $750
• Reimbursement options: 70%, 80%, 90%, 100%
• Maximum coverage limits: $5,000, $10,000, or unlimited

Learn more: Figo Pet Insurance review

Figo, which we rate 93 out of 100, offers 100% reimbursement with some plans, though you’ll need to choose either a $500 or $750 deductible and a coverage limit of $5,000 or $10,000. If you choose a higher deductible and lower reimbursement rate, you can create one of the most affordable accident-and-illness plans on the market.

Most pet insurance providers require you to pay out of pocket and file a claim before you receive reimbursement, but Trupanion can pay your vet directly for its portion of the bill.

• Deductibles: $0, $5 increments from $50 to $1,000
• Reimbursement options: 90%
• Maximum coverage limits: Unlimited

Learn more: Trupanion pet insurance review

We give Trupanion an 89.5 out of 100. Trupanion only allows you to customize your deductible, which means its premiums are higher than most. But the company’s single accident-and-illness plan offers extremely comprehensive coverage. Trupanion’s Rehabilitative and Complementary Care add-on even covers behavioral modification, acupuncture, chiropractic treatment, and hydrotherapy.

Prudent Pet insurance offers one of the most comprehensive pet insurance plans on this list.

• Deductibles: $100, $200, $500, $1,000
• Reimbursement options: 70%, 80%, 90%
• Maximum coverage limits: $2,500, $10,000, or unlimited

Learn more: Prudent Pet Insurance review

Prudent Pet, which we give a 95 out of 100, doesn’t offer the same range of plans in every state, but West Virginians can take advantage of its accident-and-illness plan at three coverage limits: Essential 2500, Essential, and Ultimate. There are also three levels of wellness coverage available, and the option to add coverage for exam fees.