10 Best Pet Insurance Providers in Pennsylvania – 2024 Reviews

We all love our pets, but sometimes there are unexpected medical bills for them that we just can’t afford. The best thing that you can do is to get pet insurance before the bills start coming.

But with so much legalese and policy exceptions and inclusions to sort through, it can all be extremely confusing. We understand, and it’s why we took the time to track down and highlight 10 pet insurance companies out there.

This way, if you ever need to use your pet insurance, you can rest easy knowing exactly what it will cover, and you won’t get any unexpected bills.

A Quick Glance at Our Favorites of 2024

The 10 Best Pet Insurance Providers in Pennsylvania

1. Trupanion Pet Insurance — Best Overall

Some pet insurance companies try to bamboozle you into their plans, only so you can watch the premiums rise each year until you can’t afford the coverage and then you drop it before you really need it. This is not the case with Trupanion pet insurance.

It locks you into a rate when you sign up, and you pay the same rate throughout your pet’s entire life. Moreover, Trupanion is the only pet insurance company in Pennsylvania that keeps your premium the same year after year.

It only provides 90% reimbursement rates, but you can customize the deductible. Moreover, Trupanion doesn’t have payout limits, giving you even more peace of mind.

While all these things translate to higher upfront costs when you sign up, it gives you usable insurance and lower rates throughout the entirety of your pet’s life. It also offers direct pay in over 100 Pennsylvania locations, so you don’t even have to pay out of pocket and wait for reimbursement!

Trupanion won’t cover pre-existing conditions, but no pet insurance companies in Pennsylvania will. When you look at everything that it does cover, there isn’t a better pet insurance plan out there.

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2. Healthy Paws Pet Insurance — Best Value

If you can’t drop much on a monthly premium for your pet right now, a Healthy Paws Pet Insurance Plan might be just what you need. It has extremely customizable plans and offers them at an even better rate.

Just keep in mind that it works by reimbursing claims, so if you do need to use the plan, you’ll need to have a way to pay in advance. However, it doesn’t have any payout caps with any of its plans, so you don’t have to worry about running out of coverage if your pet has a more expensive ailment.

Healthy Paws also makes the payout process extremely easy and has a phenomenal customer service team that helps take care of any problems that you might have.

However, keep in mind that the premium will increase each year as your pet ages, so while you might be getting a great deal now, you might be priced out of the plan down the road.

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6. Lemonade Pet Insurance

Lemonade pet insurance is a great company that you should consider. Its top perk is its customer service skills, but it also has some of the most customizable plans out there.

Not only do you get to choose the maximum annual benefit, the deductible, and the reimbursement rate, but you also get to pick whether you want different coverages. However, while this enables you to get the exact coverage that you want while starting with a low base cost, it means the base coverage doesn’t have as much as other plans.

For instance, without the optional coverages, you don’t get any end-of-life coverage, dental coverage, or physical therapy coverage. These are all optional add-ons. However, it has an optional add-on for vet visits, while many other pet insurance providers don’t cover this.

Finally, Lemonade also has preventative care plans with preset coverage amounts that you can get to help keep your pet healthy without blowing your budget.

However, despite the outstanding claims process, the rates go up each year as your pet ages, and the maximum dental benefit is just $1,000.

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4. Nationwide Pet Insurance

Nationwide is a huge insurance company, so it’s no wonder that it offers an intriguing pet insurance plan in Pennsylvania. Even better for owners with exotic pets, it’s the only pet insurance company that we found that will provide coverage for just about any type of pet.

There are three different coverages to consider. The “Whole Pet” plan is most like traditional pet insurance plans, but it has lower reimbursement levels and caps out your maximum annual benefits.

Therefore, it’s better to go with its “Major Medical” plan. This plan uses preset coverage limits for each condition. While it’s a bit more complicated this way, it does give you solid coverage.

Finally, it offers a “Major Medical with Wellness” plan. This is essentially the major medical plan, but it introduces set coverage rates for preventative care like checkups, heartworm prevention, and more.

Nationwide pet insurance plans are generally affordable, but keep in mind that the premiums do go up each year as your pet ages.

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5. Progressive Pet Insurance

Progressive is a huge name in the insurance industry that’s ventured into the pet insurance side of things. It offers more traditional plans, and these are relatively customizable, so you can adjust the annual coverage limit, deductible, and reimbursement levels.

There are three different plans that enable you to take control of what you want the insurance plan to actually cover. Progressive also provides optional wellness plans that cover preventative services that typical pet insurance doesn’t cover.

Finally, it offers a multi-pet discount that makes it more affordable to get all your furry friends’ coverage from one provider.

However, Progressive pet insurance increases your premiums each year as your pet ages. Second, unless you pay for an entire year up front, it charges you transaction fees every time you pay. These are hidden fees that you won’t find with other plans.

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6. Figo Pet Insurance

If you’re looking for a pet insurance plan that covers everything once you reach your deductible, only one pet insurance company in Pennsylvania fits the bill: Figo pet insurance. However, you can only get 100% reimbursement with its Essential or Preferred pet insurance plans. Those plans have maximum annual coverage limits of up to $10,000.

There is an unlimited annual coverage plan, but it caps the reimbursement amount to 90%. Figo Pet Insurance also has a wellness plan that covers routine expenses that you can add to any of its pet insurance plans.

Finally, Figo offers a 5% multi-pet discount on all of its plans to help you insure all your pets with the same company. However, it increases the premiums each year as your pet ages, and most plans have a maximum annual coverage cap.

In fact, its lowest-level plan caps coverage at just $5,000 annually, which is low considering how much certain pet procedures cost. Still, with the ability to get a 100% reimbursement plan and an annual coverage limit of $10,000, Figo pet insurance is an intriguing option that’s worth considering.

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7. Geico Pet Insurance

If you want to go with one of the largest insurance companies in Pennsylvania, you’re not going to find a better choice than Geico pet insurance. It offers extremely customizable plans with great rates, and you can lower things even further with a 10% multi-pet discount.

You get to customize the deductible, reimbursement limit, and the reimbursement percentage to help you find an insurance plan in your budget. However, like most pet insurance plans, its rate will go up each year.

The plans cover quite a bit, though, and there is an available wellness rewards plan to help cover routine expenses. This enables you to get all your pet care needs covered with one monthly payment.

Just keep in mind that by going with Geico pet insurance, you’re actually going with a smaller company called Embrace. It still belongs to Geico, but you’re not getting the same mega-company that covers cars and everything else.

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8. USAA Pet Insurance

USAA is all about providing top-notch plans for military service members and their families, and its pet insurance plans are no exception. Simply for being a USAA member, you get 15% off the rate, and if you are a current or former active-duty member, it gives you 25% off!

That makes for extremely affordable pet insurance plans, and it has unique policy perks that you can’t find with other plans. For instance, for every year that you don’t file a claim, it lowers your deductible by $50.

It also has an optional wellness package through Embrace that helps cover routine expenses. For its accident-and-injury plans, it covers up to 90% reimbursements, and it’s one of the easiest customer service experiences that you can have.

However, even with all these great perks and rates, it does raise its rates each year as your pet ages, and you only get those massive discounts if you’re a service member or a member of a service member’s family. Otherwise, you’re paying a similar rate as what you’ll find with other companies.

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9. ASPCA Pet Insurance

While you might think that the ASPCA would offer some of the best pet insurance plans out there due to its stated mission of helping animals, that’s not quite the case in Pennsylvania.

Not only are its plans a bit more expensive than most other options on this list, but it also provides far less coverage. In fact, the highest annual reimbursement limit for its plans is $10,000, and its coverage options go all the way down to just $3,000.

Since so many vet bills can cost much more than that, it means when you need your pet insurance, you might not get the level of coverage that you actually require. Not only are you paying more up front, but your premium will also go up every year as your pet ages, just like with most other pet insurance companies.

You’re simply not getting enough to justify the higher expense, even after you take into account the 10% multi-pet discount that you might be eligible for. If you choose an ASCPA pet insurance plan, though, you will be going with a reliable company, so if you do need to use the insurance, you know that it’ll pay out.

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10. Embrace Pet Insurance

A few of the companies on this list work with Embrace pet insurance for its coverage. It’s an extremely reliable company that offers outstanding rates and customization options for its plans.

Not only can you get a regular pet insurance plan from Embrace pet insurance, but it also offers multiple pet wellness plans that you can purchase to help cover routine expenses. Finally, if you’re looking to insure multiple pets, Embrace pet insurance offers a 10% multi-pet discount with its policies.

However, it increases your monthly premium each year as your pet ages, and you can’t get an unlimited annual reimbursement limit. The maximum coverage amount is $30,000. However, even with its lowest possible deductible and highest possible reimbursement percentage, this would mean that you must pay over $3,500 out of pocket for in bills.

If you’re drawing the line there, anyway, it doesn’t matter if it won’t cover more. While we don’t think that Embrace pet insurance is the best choice on this list, it’s far better than no pet insurance, and it’s better than countless other pet insurance companies in Pennsylvania that didn’t make this list at all.

Buyer’s Guide: Choosing the Right Pet Insurance Provider in Pennsylvania

What to Look For in Pet Insurance (for Cats, Older Dogs, etc.)

When you’re looking at different types of pet insurance, there are many factors to consider. From coverage limits to its customer service team, it’s all important. That’s why we wanted to highlight a few things to look for in each category.

Policy Coverage

The last thing that you want is a pet insurance plan that doesn’t cover what you need when you’re trying to use it. Therefore, always read the fine print about what a pet insurance company covers.

You won’t find a pet insurance company that covers pre-existing conditions, but you can find plans that cover dental care, heredity problems, and more. Check the details within your policy to see what’s actually covered before you just go with the lowest premium.

Customer Service & Reputation

It doesn’t matter if a pet insurance promises to cover everything if it actually doesn’t when the time comes. Moreover, you need to go with a reputable company that won’t just drop you at the end of each year if something happens to your pet.

The good news is that all the companies on this list do a phenomenal job of responding to the questions and concerns of customers, and when it’s time to reimburse claims, they make it as painless and as easy as possible.

This was a huge factor when making this list, and all the companies here do a great job with it.

Claim Repayment

Outside of Trupanion, every pet insurance company on this list has you pay the bill at the vet, and then it reimburses you with the covered amounts. This means you need to have a way to pay your bill up front whenever you go to the vet.

Also, take a look at how long it takes for a company to reimburse claims. Some companies promise to reimburse claims in just a day or two, while others might take a full week.

If you’re paying the vet bill with the cash that you need for other bills, going with a company that has a quick reimbursement schedule or pays up front like Trupanion is a huge perk.

Price of Policy

When shopping for pet insurance, one of the most important and notable things is the policy’s price. If you can’t afford the monthly premium, it doesn’t matter how great the coverage is.

Just keep in mind that while the premium is the most upfront and only guaranteed price of the policy, other factors to consider in the price are the deductible and reimbursement amount. Even if you pay the premium every month, if you can’t afford the deductible or your portion of the reimbursement amount, the plan is still out of your price range.

Plan Customization

Some companies believe that a one-size plan is the right choice for everyone. That’s usually not the case, though. While sometimes a company does this because it only wants to offer you an affordable plan, most of the time, it’s because it doesn’t want to offer you the coverage that you actually need.

Try to find a plan that enables you to customize things like the deductible to keep the cost right where you want it.

Moreover, if the company does offer add-ons, see what they are. Even if you don’t want them, you’ll at least know what doesn’t come with the main plan.

FAQ

Can I Get Pet Insurance Outside the U.S.?

There are many overseas providers for pet insurance, but if you’re looking for a U.S.-based plan to cover your pet while you’re on a trip abroad, it’s best to reach out to your insurance directly to see what its specific policies are.

Some companies cover trips abroad, others don’t, and some companies enable you to purchase an add-on for this type of coverage.

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What If My Insurance Company Is Not Listed in Your Reviews?

It’s not that we haven’t heard of your pet insurance company, it just didn’t make the cut. We believe that the insurance options on this list are the best choices for insuring your pet in Pennsylvania.

However, keep in mind that if your pet developed a pre-existing condition while with your current company, it might be best to stay with them even if they’re not one of the top 10 in the state.

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Which Pet Insurance Provider Has the Best Consumer Reviews?

While there are many pet insurance providers in Pennsylvania with positive reviews, we think that the reviews from Trupanion are the best. The reasons for this are that most people don’t blow its coverage limits and that its rate doesn’t go up from year to year.

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What Is the Best and Most Affordable Pet Insurance?

The best pet insurance plan is also the most affordable in the long run. That’s why we like Trupanion. Not only does it offer great coverage options, but the price doesn’t go up each year. However, if you need a lower premium, then Healthy Paws is the way to go. Just know that as your pet ages, you’re going to end up spending more on the premium overall.

What the Users Say

When you’re looking at pet insurance companies, it’s best to see what users who have needed their pet insurance have to say. Every company is going to sound great until it’s 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.

Which Pet Insurance Provider Is Best for You?

There’s a reason that Trupanion is our top choice for Pennsylvanian pets. You’ll pay more for its premiums up front, but it won’t go up as your pet gets older.

However, this is for cats and dogs. If you have another type of pet that you’re trying to insure, we recommend going with Nationwide. It covers birds and all sorts of exotic pets and is the only pet insurance company on this list to do so.

This means you can get coverage for all the animals in your home, not just your dogs and cats!

Conclusion

No matter what pet insurance plan you go with, it’s crucial to get coverage before your pet develops any pre-existing conditions. Otherwise, when something comes up, you won’t be able to get the coverage that you need to cover those expensive bills.

So, get a few quotes, then get your furry family members the insurance that they need to give you peace of mind the next time that you take them to the vet.

See also:

• Pet Insurance Deductibles — What Are They and How Do They Work?
• When Is National Pet Insurance Month? Facts & FAQ

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