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Best Pet Insurance In Pa

Best Pet & Dog Insurance In Pa

Pawp Pet Insurance Alternative Review (We Tried It)

Lets take a deep dive into the features and benefits of each of the major pet insurance brands here in PA and across the USA. Simply scroll to the right to view all the brands:

iHeartDogs is reader-supported. When you buy via links on our site, we may earn an affiliate commission at no extra cost to you.

Receive a Free No-Obligation Quote from All the Pet Insurance Carriers At OnceRather than visiting each insurance carriers website, you can use the form below to receive a no obligation quote from all the pet insurance carriers at once, allowing you to easily compare:

Spot Best Pet Insurance For Unlimited Coverage In Pennsylvania

Spot Pennsylvania Pet Insurance Pros:

  • Deductibles as low as $100
  • Unlimited coverage options

Spot Pennsylvania Pet Insurance Cons:

  • Premiums are high for younger pets.
  • Knee and ligament coverage is limited.
  • Customer service is not available on the weekend.

If you are looking for the best pet insurance with unlimited coverage, Spot is a great choice. Enjoy visits without co-pays and low deductibles. Keep in mind that you may pay a higher monthly premium if you opt for a low co-pay or deductible.

Spot Pet Health Insurance Policy Cost in Philadelphia, Pittsburgh, Allentown, and more: 3/5

Spots premiums run high for young pets, but it insures older animals without imposing an age limit. With the full coverage insurance, you dont need to pay co-payments on vet bills. You can also opt for a very low deductible of $100, drastically limiting your out-of-pocket expenses.

Spot Insurance for Pets Discounts in Philadelphia, Pittsburgh, Allentown, and more: 4.5/5

There is a 10% discount offered if you cover multiple pets, which is higher than the standard.

Spot Pa Dog, Cat, and Exotic Animal Insurance Coverage: 5/5

Spot ranks as one of the best pet insurance companies because of its option for unlimited coverage for your pet. Only a handful of insurers offer a 100% coverage option.

Spot Pennsylvania Pet Insurance Plan Options: 5/5

There are multiple plan options, including preventative, accident and illness, and accident-only. You can also select the level of coverage you need.

What The Users Say

When youre looking at pet insurance companies, its best to see what users who have needed their pet insurance have to say. Every company is going to sound great until its time for them to start paying.

Fortunately, all the companies on this list have great reviews when it comes to using their policies. However, many plans outside of Trupanion do have negative reviews when it comes to aging pets.

While the plans start out affordable, as the pet gets older, the premiums jump from $15 or $20 a month to $200 or $300 a month.

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Spot: Most Customizable Plans

Spot provides the most customization out of these companies with two plans to choose from and seven annual coverage limits ranging from $2,500 to unlimited.

  • Has an extensive resource blog for pet owners who want to learn more about taking care of their animals
  • Includes access to 24/7 telehealth line for each policyholder
  • Has a 30-day money-back guarantee

Provides coverage for vet visit fees without charging extra per month, unlike many competitors Includes coverage for your pets microchip implantation Has a less expensive accident-only plan with prices than dont vary based on your dogs or cats age or breed

Has a 14-day waiting period for accidents, which is longer than some competitors Doesnt have weekend customer service availability

Spot Plans and Coverage

Spots plans come with either accident-only coverage for things like injuries, bite wounds, and toxic ingestions, or accident and illness coverage for a broader range of covered conditions. Those conditions can include general illnesses, congenital conditions, dental trauma, cancer, and more. Spot policies also come with microchipping and vet exam fees coverage without any extra monthly costs.

For additional coverage, you can also purchase the Gold or Platinum preventative care plans. They cover routine treatments, such as annual checkups and vaccinations with specified per-treatment limits. The Gold plan comes with a total of $250 per year for those limits, and the Platinum plan comes with $450 per year.

Best Pet Insurance In Pennsylvania  Pennsylvania Dogs Inconceivable Impalement ...

Here are the best pet insurance companies in Pennsylvania:

  • Pets Best â Great For Choices Of Deductible
  • Lemonade â Best Price For Kittens And Puppies
  • ManyPets â Best For Lowest Out-Of-Pocket Claims Costs
  • Embraceâ Best For Superior Benefits
  • Figoâ Great For Short Waiting Period For Accident Coverage

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Best Pet Insurance In Pennsylvania In 2022

An unexpected vet emergency doesnt have to derail your finances or leave you with a difficult decision to make about your beloved pet. From Pittsburgh to Philadelphia, pet parents count on pet insurance to shield them from costly veterinary bills and ensure their dogs and cats get the care they need.

To help you choose from the best pet insurance providers in Pennsylvania, the This Old House Reviews Team has carefully evaluated each company by collecting customer survey data, gathering local quotes, and analyzing coverage options.

Pets Best Best Pet Insurance For Pets With Mobility Issues In Pa

Pets Best Pennsylvania Pet Insurance Pros:

  • No upper age limit
  • Pets eligible for coverage at seven weeks old
  • Prosthetics and wheelchairs covered

Pets Best Pennsylvania Pet Insurance Cons:

  • Cant upgrade until the renewal date
  • Treatment for parasites not covered
  • Bilateral exclusions

With a wide range of deductibles and policy types to choose from, Pets Best is an excellent selection. Pets Best offers coverage for a wider age range of pets, making it a good option for young and senior pets. Mobility issues that cover equipment and devices are also covered.

One downside of Pets Best insurance is the bilateral exclusions. If your pet has known conditions that affect one side of the body, such as hip dysplasia, coverage isnt available if the condition later affects the other side.

Pets Best Pet Health Insurance Policy Cost in Philadelphia, Pittsburgh, Allentown, and more: 3.5/5

The cost of Pets Best insurance is average when compared to other carriers.

Pets Best Insurance for Pets Discounts in Philadelphia, Pittsburgh, Allentown, and more: 3.5/5

Discounts are available for multiple pets, military personnel, and annual payment. Discounts can be combined up to a maximum of 12%. These discounts arent available in all states.

Pets Best Pa Dog, Cat, and Exotic Pet Insurance Coverage: 5/5

Pets Best Pennsylvania Pet Insurance Plan Options: 4/5

Pets Best Animal Insurance Claim Processing Time in Pennsylvania: 2/5

Overall Score: 3.6/5

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Why You Can Trust Us

Unlike other platforms, Pawlicy Advisor offersbased on breed-specific attributes and total cost predictions for the lifetime of the pet. Pawlicy Advisor is recommended by the American Animal Hospital Association as the Preferred Business Provider for pet insurance.

Key reasons people trust Pawlicy Advisor:

  • Pawlicy Advisor is the leading independent pet insurance marketplace in the U.S.
  • Recommended by the American Animal Hospital Association
  • Served over 3 million pet owners to date
  • 100% real 5-star reviews
  • Our licensed insurance experts are not tied to any one provider
  • Personalized recommendations factor in the unique information of each pet per policy
  • Personalized recommendations include a Lifetime Pricing Score calculated by comparing expected premium increases over your pets lifetime
  • We connect directly to our insurance partners to provide real-time quotes at the lowest rates all in one place
  • You can purchase your plan directly on Pawlicy Advisor and well handle the paperwork to make sure everything is perfect
  • 100% free service, no hidden fees
  • All data is secured using 256-bit SSL encryption

Information For Pet Owners In Pennsylvania

Top Pet Insurance Companies 2022 | Vet Recommendations

Pennsylvania has a rich history in America, and its also a very pet-friendly state. In Pennsylvania, you can easily find pet-friendly establishments and beautiful pet-friendly outdoor areas. However, its important that youre also aware of Pennsylvania pet laws and pet resources before you embark on your adventure.

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What Is The Most Reasonable Pet Insurance In Pennsylvania

After researching pet insurance quotes from several providers, weve determined that Lemonade generally offers the most reasonable pet insurance prices in Pennsylvania, with a range of flexible deductibles, coverage caps, and reimbursement levels. To get the best pet insurance for your needs at the lowest cost, compare multiple quotes in your area.

Is Pet Insurance Required By Law In Pennsylvania

Pets are not required by law to have pet insurance in Pennsylvania. However, we always recommend obtaining pet insurance because it may help you save money on unanticipated veterinary expenses. And, since 95% of pet owners consider their dogs part of the family, having insurance gives you peace of mind knowing that your dog will be cared for if something happens.

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Factors That Affect The Cost Of Pet Insurance In Pa

We all want the best price for our plans and there are many factors that can help adjust the cost.

In fact, pricing is influenced by not only your pets type and age, but even the city in which you live.

A dog in Allentown is less expensive to insure than a dog in Pittsburg, Pennsylvania because the cost of living is less there.

Pet insurance takes these costs into account.

Real Cost Savings from PetFirst Clients


What’s Not Typically Covered

Vet Services in Red Lion, PA

Pet insurance can provide dependable protection for your beloved pet, but certain expenses arent covered. Some of the most common exclusions are:

  • Cosmetic and elective procedures, like tail docking, ear cropping and declawing
  • Vet fees related to pregnancy, breeding and whelping
  • Orthodontic or endodontic procedures, like root canals or crowns
  • Treatment for behavioral problems
  • Vitamins, supplements, pet foods and personal care items like shampoo or ear cleaner
  • Pre-existing conditions, including any genetic or breed-specific conditions

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Top Pa Pet Insurance Scored Ranked & With Cost

Use our below table to quickly compare the best pet insurance providers in Pennsylvania. The average monthly Pennsylvania-specific prices shown are based on a healthy 2-year-old Labrador Retriever with a $500 deductible and 90% reimbursement amount who is located in Pennsylvania with a 19128 zip code. Costs may vary based on age, location, coverage amount, and depending on the breed of your puppy. Prices are accurate as of June 2022 and are subject to change. For the most up-to-date information, please visit the provider website.

    • Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Pennsylvania pet parents. Learn more at the end of this page.



  • Lemonade has the best all around Pennsylvania pet insurance policy at the most affordable rates
  • Their user experience is world class and its easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders
    • Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Pennsylvania pet parents. Learn more at the end of this page.




















Unique Pet Rescue Shelters In Pennsylvania

5. Lehigh County Humane Society in Allentown, PA

Lehigh County HS is a leading advocate for breeds such as pit bulls, who are often overlooked, and many of their available adoptable dogs are pit bulls. They also offer low-cost veterinary services and are dedicated to educating the public about animal cruelty.

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How Much Is Pet Insurance In Pennsylvania

Pet insurance in Pennsylvania varies greatly, depending on various factors, such as the animals species, breed, age, gender, and hereditary conditions. It can also depend on the budget that every pet owner has at their disposal.

On average, the monthly fee for cats is around $30, while that for dogs is around $60. The cost also varies between different cities in PA.

Is Pet Insurance Worth It

Top 5 Best Pet Insurance Companies Pros & Cons Reviews In 2021& 22

Aleksandra from Narberth, PA: At 6 months of age Feliz suffered from Hemorrhagic gastroenteritis and was hospitalized for 5 days. Recently he’s been diagnosed with a partially torn ACL and surgery was recommended. Both times Healthy Paws was wonderful with processing his claims in a timely manner so we can cover Feliz’s medical expenses without additional and unnecessary stress.

Get an instant quote now and take the first step to protect your furry best friend.

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Find Pet Insurance In Pa For Your Furry Friend

Your location makes a huge difference in the types of premiums that you pay in Pennsylvania, as there are many types of communities in the state, and insurers conduct actuarial math differently depending on your pets living conditions.

Pennsylvania has many options for quality pet insurance and hopefully, you have a more narrowed down scope of discovery.

You must conduct the proper due diligence to get the coverage that is best for your pet. Always read the fine print, making sure your animal family member can be covered and your wallet wont take a huge hit.

Which Pennsylvania Pet Insurance Is The Most Reliable

As all insurance companies are regulated in Pennsylvania, you can be sure of reliability. However, Lemonade ranks the best overall, while Spot offers the most customizations. Embrace has the best deductible costs, and Fetch has the best holistic coverage. Finally, Prudent Pet offers the most comprehensive plan, and Figo has the best add-on coverage.

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Is Pet Insurance In Pennsylvania Worth It

Well over one-half of Pennsylvania households own pets however, just a fraction purchase pet insurance. We think pet insurance is worth the cost because it allows you to afford unexpected and expensive treatments that you might otherwise have difficulty paying for out of pocket.

We all know that vet bills can be extremely expensive. To treat your cat or dog with chemotherapy for cancer, youre looking at an average cost of $4,000, and the amount to treat diabetes for your pup is over $2,800. If your pet swallowed something they shouldnt have, the cost to you is about $3,000 or more. Broken bones cost in excess of $2,000 to treat, and feline urinary tract infection or kidney disease will set you back more than $1,000.

Why Is Pet Insurance So Expensive In Pa

Emergency Vet York PA

In Pennsylvania, winter weather can impact the health of dogs, as can Lyme disease, which can alter the costs. Pet Insurance has become quite successful, leading to problems such as veterinarian costs increases. However, an insured pets treatment costs are immaterial. With insurance, dog owners may afford better care for their pets.

The veterinary industry has responded with advanced diagnostic imaging and surgical treatments . Sadly, these great discoveries raise vet costs, which must be reflected in insurance premiums. However, it also raises pet owners expectations of care.

While this is fantastic for animals, its costly. Because insurance companies are paying, pet insurance premiums have climbed for an insurance company to cover its costs and generate a profit. Pet insurance is still reasonable, but many owners cannot pay the monthly fees.

For non-critically ill pets, veterinarians could save money by deferring extensive investigations, as many non-insured pets already do. Regular testing for minor ailments helps detect a few major disorders that would otherwise go unnoticed. Also, some dogs are kept alive for the owners benefit despite unsurmountable health issues keeping the dog in constant pain when euthanizing should be an option.

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Enjoy Parks With Your Pet

Theres lots of pet-friendly parks, hiking trails and even shopping to explore with your dog in Pennsylvania. Its always a good idea to make sure your dog is up to date on vaccines before heading out. All dogs should have a collar with identification tag and be on a leash, unless an area indicates they can be off. Carry water and a collapsible bowl for frequent water and rest breaks. While travelling in the car with them, make sure your dog is hooked up to a harness or riding in a carrier.

The Bottom Line: Which Is The Best Pet Insurance Company In Pennsylvania

The best pet insurance company in Pennsylvania is Lemonade, based on our thorough review of coverage, cost and customer experience. With a simple claims process, impressively low premiums and multi-policy discounts, the company is a solid choice of insurer for Pennsylvania pet parents.

However, pet insurance isnt a one-size-fits-all product. Each of the providers in this review offers impressive dog and cat insurance and has unique advantages. To choose the right pet health insurance company for your dog or cat, take a few minutes to compare quotes from at least three providers.

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Our Top 3 Pet Insurance Services

Why Is Purchasing Pet Insurance Important

Get Your Pet the Best Care with Petplan

Purchasing pet insurance is important for people who are worried about unexpected veterinary bills. While most pet owners are capable of covering typical vet expenses, like wellness visits and vaccinations, the big bills when something goes wrong can quickly overwhelm their finances. Buying a pet insurance policy eliminates that worry because most policies cover 90% or more of covered exams, treatments, and procedures.

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