According to the American Veterinary Medical Association (AVMA), West Virginians have the second-highest rate of pet ownership in the country. As of 2016, 71% of Mountain State households were home to at least one companion animal. Lots of pets can sometimes mean lots of unexpected vet bills, so it’s a good idea to invest in pet insurance. We at the This Old House Reviews Team found the best pet insurance in West Virginia to help pet parents from Huntington to Morgantown protect their four-legged friends.



West Virginia’s Top 7 Pet Insurance Providers




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

Spot Pros and Cons

✔ 10% multi-pet discount
✔ No extended waiting period for orthopedic conditions
✔ Option for unlimited coverage
✔ Standard coverage for microchipping and exam fees

✘ Longer-than-average waiting period for accidents
✘ Low coverage limit for preventive care
✘ No customer service available on weekends

Why We Chose Spot

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.

Get a quote: Get a quote from Spot Pet Insurance

Learn more: Spot Pet Insurance review



Healthy Paws

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

Healthy Paws Pros and Cons

✔ 30-day money-back guarantee
✔ Covers some complementary and alternative therapies
✔ Most claims processed within two days

✘ Coverage options not as customizable
✘ No wellness coverage available
✘ Some age-based exclusions

Why We Chose Healthy Paws

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.

Get a quote: Get a quote from Healthy Paws Pet Insurance

Learn more: Healthy Paws Pet Insurance review




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

Embrace Pros and Cons

✔ Diminishing deductible for years without filing claims
✔ Highly customizable plans
✔ Three wellness care options
✔ Two-day waiting period for accidents

✘ No coverage for prescription food or supplements
✘ No option for unlimited coverage
✘ Relatively high price for wellness coverage

Why We Chose Embrace

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.

Get a quote: Get a quote from Embrace Pet Insurance

Learn more: Embrace Pet Insurance review




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

Figo Pros and Cons

✔ Inexpensive basic coverage
✔ Unique Extra Care Pack add-on
✔ Unlimited coverage available
✔ Waiver for orthopedic condition waiting period with exam

✘ Add-on needed to cover exam fees
✘ High deductibles for older pets
✘ Limitations on 100% reimbursement

Why We Chose Figo

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.

Get a quote: Get a quote from Figo Pet Insurance

Learn more: Figo Pet Insurance review




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

Trupanion Pros and Cons

✔ Enrollment available from birth of pet
✔ No bilateral condition exclusion
✔ No payout limits
✔ Vet Direct Pay at most animal hospitals

✘ 30-day waiting period for illnesses
✘ Less customizable plans
✘ No coverage for wellness care or exam fees

Why We Chose Trupanion

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.

Get a quote: Get a quote from Trupanion Pet Insurance

Learn more: Trupanion pet insurance review




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

ASPCA Pros and Cons

✔ 10% multi-pet discount
✔ Covers behavioral therapy and exam fees
✔ No upper age limit for new enrollees
✔ Offers two wellness care add-ons

✘ 14-day waiting period for accidents
✘ Long wait times for customer service
✘ Relatively low maximum coverage limit

Why We Chose ASPCA

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). 

Get a quote: Get a quote from ASPCA Pet Health Insurance

Learn more: ASPCA Pet Health Insurance review



Prudent Pet

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

Prudent Pet Pros and Cons

✔ No lifetime payout limits
✔ Three levels of wellness coverage
✔ Waiting period for hip dysplasia only 14 days
✔ 24/7 vet chat available

✘ Add-on required for exam fee coverage
✘ No accident-only plan in West Virginia
✘ No mobile app

Why We Chose Prudent Pet

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.

Get a quote: Get a quote from Prudent Pet Insurance

Learn more: Prudent Pet Insurance review



Compare the Top Providers of Pet Insurance in West Virginia

We’ve gathered some sample quotes to help you compare the cost of various providers in the Mountain State.


Cost Range of Dog Insurance*

Cost of Cat Range Insurance*

Number of Plans and Add-ons

Wellness Add-On





Healthy Paws











1 + 2




1 + 2





Prudent Pet



1 + 1

*Our sample quotes are based on accident-and-illness coverage for a 4-year-old, mixed-breed female dog and a 4-year-old, medium-hair, domestic female cat in Charleston, W.Va. 



What Pet Insurance Does and Doesn’t Cover

In short, pet insurance covers unexpected vet bills. Accident-only plans include things such as injuries, object ingestion, poisoning, and broken bones. An accident-and-illness plan will cover these plus any illnesses or conditions your pet is diagnosed with after the end of the waiting period. Pet insurance won’t cover routine care like checkups, vaccinations, or heartworm medication unless you specifically choose an add-on that covers it.

Additionally, pet insurance never covers preexisting conditions. These are any health conditions that show signs or symptoms before enrollment or during the waiting period, whether you seek veterinary care or not. Pet insurance also won’t cover elective and cosmetic procedures, experimental treatments, and non-medical costs like records fees and grooming.



Our Conclusion

Spot, Healthy Paws, and Embrace take the top three spots for best pet insurance companies in West Virginia. However, every provider on this list offers excellent coverage, so we recommend getting at least three quotes before making a final decision. Although pet health insurance won’t cover every medical cost, it will provide substantial peace of mind when it comes to large, unexpected vet bills.



FAQs About Pet Insurance in West Virginia



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.

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