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

10 Best Pet Insurance Providers in West Virginia – 2024 Reviews

Ashley Bates

By Ashley Bates

pet insurance care concept

Our pet’s health is highly important, especially as pet health knowledge changes so drastically. To be prepared for the unexpected, companies are coming to the forefront, offering coverage to pet parents. But which companies are the best in West Virginia?

We rounded up the ten best companies that you can opt for in your state. Here are our reviews. We hope to help you pick the right company.

A Quick Glance at Our Favorites of 2024

Rating Image Product Details
Best Overall
Winner
Trupanion Pet Insurance Trupanion Pet Insurance
  • Ideal prices for puppies
  • Pays vet directly
  • Price is set for life
  • Second place
    Lemonade Pet Insurance Lemonade Pet Insurance
  • Flexible plan options
  • Savings available
  • Easy to contact or make changes
  • Third place
    Embrace Pet Insurance Embrace Pet Insurance
  • Vanishing deductible
  • Vet on staff
  • Works for most pet parents with general coverage
  • Bivvy Pet Insurance Bivvy Pet Insurance
  • Set premium
  • Offers credit option
  • Straightforward coverage
  • Figo Pet Insurance Figo Pet Insurance
  • Excellent coverage list
  • 100% reimbursement option
  • Great customer service
  • The 10 Best Pet Insurance Providers in West Virginia

    1. Trupanion Pet Insurance – Best Overall

    trupanion-pet-insurance-logo

    Reimbursement Rate 90%
    Deductible varies

    Trupanion Pet Insurance is a really terrific company option—plus, it’s the most beneficial to people with young dogs and puppies. Trupanion offers lock-in rates that can last your pup’s whole life. That’s a perk for your wallet and your pooch. What more could you want?

    Coverage

    We love the coverage Trupanion offers—it’s a lot! The cool thing about Trupanion is that they decide your price based on the age of your pet when you enroll. For instance, puppies will be healthier and cost less than seniors.

    And the best part? You lock in your price when you enroll, and it won’t change as your pet ages. We think that’s pretty nifty.

    Trupanion’s list of coverage is pretty extensive, so you can read all the approved coverage here.

    Customer Service

    At Trupanion, customer satisfaction is important. So, that’s why they make it a point to offer so many contact points with policyholders.

    Pricing

    Trupanion does coverage a little differently, so prices can vary. They lock in your rate at the time of policy activation. If your dog is a pup, the price will stay the same. If you have a senior, prices might be significantly higher. So, the earlier, the better!

    Pros
    • Ideal prices for puppies
    • Pays vet directly
    • Price is set for life
    Cons
    • High costs

    2. Lemonade Pet Insurance

    Lemonade Pet Insurance

    Reimbursement Rate 70%, 80%, 90%
    Deductible $100, $250, $500

    Lemonade Pet Insurance thinks of your pets for sure. In addition to their other insurance, Lemonade has pretty comprehensive pet coverage, helping your dog out medically when you need it most. Lemonade is rising in the industry as we speak.

    Coverage

    Lemonade offers policies you completely control over, and we love it. They offer an app you can download on your phone to control any policy changes you would like to make and submit claims.

    With Lemonade, it’s important to point out something that they stress, which is that if you cancel your policy and reactivate it later, any issue that your dog or cat faced during the time of coverage will now be considered a preexisting condition. So make sure you try to keep up with monthly policy fees.

    Covered
    • Diagnostics
    • Procedures
    • Medication
    • Wellness exams
    • Intestinal parasite test
    • Heartworm test
    • Blood work
    • Vaccinations
    • Fecal and heartworm medication
    • Medical advice chat
    Not Covered
    • Pre-existing conditions

    Customer Service

    Lemonade has very easy-to-manage customer service. You can get in touch through the website, app, or via phone. They also have access to a 24-hour medical chat if you need advice or are unsure if you should take your pet to the veterinarian.

    Pricing

    Lemonade offers what we would consider average pricing on most of their policies. They aren’t over or underpriced but remain in the middle of the road. However, they do have additional savings that you can take advantage of, such as a 10% bundle discount, multi-pet discount, and annual fee discount.

    Pros
    • Flexible plan options
    • Savings available
    • Easy to contact or make changes
    Cons
    • Lapsed/canceled policies have a consequence for future coverage.

    3. Embrace Pet Insurance

    embrace pet insurance

    Reimbursement Rate 90%
    Deductible Varies

    Embrace Pet Insurance is another great pick because we think it can benefit most pet owners due to its middle-of-the-road coverage and pricing options. We think most people can find a plan with Embrace the works; the company is fantastic!

    Coverage

    Embrace offers really great coverage. One significant upside is that they consider pre-existing conditions in some cases. The stipulation is that your pet is symptom-free for at least a year before coverage.

    Covered
    • Pre-existing conditions
    • Dental illness
    • Breed-specific congenital conditions
    • Cancer
    • Chronic conditions
    • Complementary treatments and rehabilitation
    • Preventable conditions
    • Orthopedic conditions
    • Emergency care
    • Hospitalizations and surgery
    • Specialist care
    • Diagnostic care
    • Prescription drugs
    Not Covered
    • Pre-existing conditions
    • Breeding, whelping, or pregnancy
    • DNA testing or cloning
    • Deliberate injury
    • Injury or illness from fighting, racing, cruelty, or neglect
    • Avian flu
    • Cosmetics
    • Nuclear war
    • Routine vet care

    Customer Service

    Embrace has very outstanding customer service, offering many lines of communication. Embrace walks folks through every aspect of care, from quote to policy maintenance.

    Also, there is a licensed vet on staff 24/7 to answer any medical-related questions you might have about your furry pals.

    Pricing

    All of Embrace’s policies are fairly priced—falling in the average range compared to competitors. However, they have a lot of perks with their services that make it worthwhile.

    Embrace offers a vanishing deductible, which is super unique to pet insurance. If you don’t make a claim, your deductible will decrease by $50 annually.

    Pros
    • Vanishing deductible
    • Vet on staff
    • Works for most pet parents with general coverage
    Cons
    • Won’t work for specific coverage

    4. Bivvy Pet Insurance

    Bivvy Pet Insurance

    Reimbursement Rate 50%
    Deductible $100

    It can be hard to keep up with all the bills—living costs, monthly subscriptions, healthcare for humans—you name it. So, it’s essential to pick a super affordable plan—like Bivvy Pet Insurance. We think it’s the best pet insurance in West Virginia for the money.

    Coverage

    Covered
    • Illness
    • Accidents
    • Hereditary conditions
    • Congenital conditions
    • Cancer
    • Diagnostic treatment
    • X-rays and ultrasound
    • Blood tests
    • Surgery
    • Hospitalizations
    • Prescriptions
    • Emergency care
    • Orthodontic treatment
    Cons
    • Pre-existing condition
    • Preventative care
    • Spay and neuter surgery
    • Cosmetic surgery
    • Air ambulances
    • Boarding
    • Cloning

    Customer Service

    Bivvy doesn’t have outstanding customer service just yet, but the company is growing by the day. You can contact them via telephone to make any changes. You also have to mail claims, which can take some time.

    Pricing

    Bivvy has a super awesome premium rate—$15 for all plans. Automatically, you are responsible for 50% of the vet bills, and Bivvy pays the other half. If you are having trouble, they offer Pet Credit. So, you can see anytime you qualify.

    Pros
    • Set premium
    • Offers credit option
    • Straightforward coverage
    Cons
    • Customer service lacks slightly

    5. Figo Pet Insurance

    FIGO Pet Insurance

    Reimbursement Rate 70, 80, 90, 100%
    Deductible $100-$1,000

    Figo Pet Insurance might be a little high dollar, but the rewards are worth it. This premium pet insurance offers comprehensive reimbursement rates and other extras we think you will really enjoy. If you can benefit more from a Figo plan, it just might work out better in the long run.

    Coverage

    Covered
    • Emergency and hospitalization
    • Surgeries
    • Veterinary specialists
    • Diagnostic testing
    • Knee conditions
    • Prosthetics
    • Orthopedics
    • Hereditary and congenital
    • Prescriptions
    • Hip dysplasia
    • Chronic conditions
    • Dental illness and injury
    • Imaging
    • Cancer treatments
    • Wellness coverage
    • Veterinary exam fees
    Not covered
    • Pre-existing conditions
    • Experimental procedures
    • Breeding, pregnancy, or whelping
    • Cosmetic surgery
    • Cloned or cloning procedures
    • Most parasites

    Customer Service

    Figo has really fantastic customer service, and they put a lot of effort into connecting with the customer. They also offer a medical team of professionals to address your pet questions.

    Pricing

    At first glance, Figo may seem more expensive—and it is more than traditional companies. However, they have a potential 100% reimbursement rate, so it really pays off quickly.

    Pros
    • Excellent coverage list
    • 100% reimbursement option
    • Great customer service
    Cons
    • High deductibles on policies

    6. Healthy Paws Pet Insurance

    Healthy Paws Pet Insurance

    Reimbursement Rate 90%
    Deductible $100-$1,000

    Healthy Paws Pet Insurance is a leader in the industry—and we could even say these guys were the first on the job. They have been offering wonderfully thought-up policies to dogs and cats everywhere.

    Coverage

    Coverage with Healthy Paws is totally straightforward. They cover lots of things most companies don’t—like alternative and specialty care.

    Covered
    • Illness
    • Accidents
    • Hereditary conditions
    • Congenital conditions
    • Cancer
    • Diagnostics
    • X-rays, blood tests, ultrasound
    • Prescriptions
    • Emergency care
    • Alternative therapies
    • Specialty care

    Customer Service

    We love that Healthy Paws has such an extensive FAQ page because it answers most of your questions right up front. But if you need a rep, there is one on standby anytime you need a helping ear.

    Pricing

    Healthy Paws really wants you to spread some love, offering a $25 gift certificate for every new recommended customer you send their way. While we love Healthy Paws coverage, we would like to warn that they have long reimbursement wait times compared to competitors.

    Pros
    • Thorough coverage info
    • Offers alternative care coverage
    • Savings and earning options
    Cons
    • Long reimbursement waits

    7. ASPCA Pet Insurance

    ASPCA Pet Health Insurance

    Reimbursement Rate 90%
    Deductible $100, $250, $500

    The ASPCA really cares about animals in need—and their pet insurance policies prove it. At ASPCA Pet Insurance, you can expect to be treated like your pets matter in a real way. We think many owners can find the benefits of ASPCA on their side.

    Coverage

    The ASPCA offers two coverage plans. One is called complete coverage which includes Wellness care period the other policy covers accidental care only.

    Covered
    • Accidents
    • Dental disease
    • Hereditary conditions
    • Illness
    • Behavioral issues
    Not Covered
    • Pre-existing conditions
    • Cosmetic procedures
    • Breeding costs
    • Preventative care

    Customer Service

    The ASPCA has pretty top-notch customer service. You can visit their website on their contact page for telephone numbers, vet communication, and fax numbers. You can also access GoFetch Reimbursement to manage your claims on the site.

    Pricing

    We consider the ASPCA to have pretty fair pricing. They have flexible plans and work with you to find a perfect fit for your pet.

    Pros
    • Well-organized website
    • Offers wellness coverage options
    • Trusted Company
    Cons
    • Add-ons are pricey sometimes

    8. Pumpkin Pet Insurance

    Pumpkin Pet Insurance_Logo

    Reimbursement Rate 90%
    Deductible $100, $250, $500

    Pumpkin is such a fun insurance company for pets—and we can’t recommend them enough. They make everything super user-friendly and generally have fair pricing and thoughtful plans for the best future of your pets.

    Coverage

    We think this coverage is pretty terrific, do you agree? They even cover prescription diets. So, if your pet ever comes down with an allergy or health issues, high-dollar meals will be covered.

    Covered
    • Ear, eye, and skin infections
    • Digestive illness
    • Hip dysplasia
    • Cancer
    • Parasites
    • Orthopedic injuries
    • Swallowed objects and toxins
    • Diagnostics and treatments
    • Prescription medications
    • Emergencies and hospitalization
    • Surgery
    • Advanced care
    • Microchipping
    • Hereditary conditions
    • Dental illness
    • Behavioral issues
    • Vet exam fees
    • Alternative therapies
    • Prescription food
    Not Covered
    • Pre-existing conditions

    Customer Service

    Pumpkin offers such straightforward service for customers. They have tons of options to connect with Pumpkin representatives to work out issues with claims, start up a policy, or answer any general questions that you might have.

    Pricing

    We think that Pumpkin has really terrific pricing on their policies. They have lots of perks, such as additional discounts and high reimbursement rates.

    Pros
    • Fair reimbursement rates
    • Perks through discounts and payouts
    • Awesome website
    Cons
    • Won’t cover certain needs for pets

    9. Nationwide Pet Insurance

    nationwide pet insurance logo

    Reimbursement Rate 50-90%
    Deductible $250

    Nationwide Pet Insurance is really an innovator—thinking of the little guys, too. They have a huge list of exotic pet coverage in addition to dogs and cats. You can read the whole coverage list for exotic animals by clicking here. So far, they are the only ones providing service to exotics.

    Coverage

    Nationwide has several comprehensive plans to choose from, including one that covers just about everything. The whole pet plan covers even checkups and vaccinations, making routine care part of the deal.

    Although Nationwide doesn’t give us a detailed list of all the areas they cover on the main site, they tell you upfront what they won’t.

    Not Covered:

    • Taxes
    • Waste
    • Grooming
    • Boarding
    • Pre-existing conditions

    Customer Service

    Nationwide offers moderate customer service. However, it’s important to remember that Nationwide is a very large insurance industry and coverage might not feel quite as personal as with companies who only work with pet-related insurances. However, they make up for this in other ways by offering medical chat and multiple contact options.

    Pricing

    Nationwide there is greatly in their pricing. Depending on your chosen features, you can have a moderately cheap policy or a pretty hefty one. Nationwide offers a 100% money-back guarantee within the first ten days of having your policy.

    The only downfall to that is that any injuries or accidents won’t be covered in that time, so it’s hard to tell if the insurance is right for you with such a small window.

    Pros
    • Exotic pet coverage
    • Multiple avenues of customer communication
    • Get a quote in minutes
    Cons
    • Lack of clarity on website

    10. AKC Pet Insurance

    akc-pet-insurance

    Reimbursement Rate 70-90%
    Deductible $100-$1,000

    If you’re a breeder or you have an AKC-registered dog, this might be just the coverage you need. AKC fills in spots where other coverage lacks, as most do not include breeding in any policy. It’s excluded completely. So, that’s something to consider.

    Coverage

    The AKC offers some pretty unique coverage options that other insurance companies don’t. For instance, they cover breeding costs which makes sense if you consider who is offering that insurance. This is an exceptional insurance option for breeders especially.

    Unfortunately, but understandably, the AKC does not cover cats.

    Covered
    • Injuries
    • allergies
    • broken bones
    • cancer
    • emergency care
    • hospitalization
    • lab tests
    • physical therapy
    • surgery
    • tooth extraction
    Cons
    • Cats
    • Pre-existing conditions

    Customer Service

    The AKC is very responsive to its customer base. They have outstanding customer service, a 24-hour veterinary hotline, and a specific app to submit claims and make changes to your policy.

    Pricing

    The AKC has a pretty comprehensive pricing system based on the type of policy you choose and the features that it covers. They can have pretty high deductibles, up to $1000, so it is definitely something to consider, especially if you’re a breeder. However, the normal average everyday person might not need all of the features that this particular insurance company provides.

    Pros
    • Potentially covers preexisting conditions
    • Covers cancer treatment
    • Terrific for breeders
    Cons
    • Dogs only, no other pets
    • Pricey policies
    • Specific coverage

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

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

    When shopping around for pet insurance, you will want to consider some areas of coverage. We were able to rate these companies available in West Virginia based on a few factors. Let’s elaborate!

    Policy Coverage

    What your policy covers is extremely important when you’re getting insurance for your pet. After all, you probably have specific things in mind that you would like your policy to cover before you even buy into the insurance aspect.

    If you want wellness care, covered greeting cost, and other things that might not be covered with typical policies, it’s best to search for insurance companies that match that criteria.

    Customer Service & Reputation

    If you’re testing your pet’s medical care coverage in the hands of a company, you want them to be easy to access. If ever there is any type of emergency or discrepancy, getting a hold of your insurance company is the first step towards resolution.

    Luckily, many new pet insurance companies have top customer service due to their easily accessible web page content and apps.

    Claim Repayment

    Claim repayment is a crucial aspect to look into as well. Not only is the percentage that you get back essential to look at and factor in, so is the length of time that it takes. Some companies are super prompt with claim processing, taking upwards of only two days.

    Other companies, oppositely, can take up to 10 days for a claim to process and you to receive your reimbursement.

    pet insurance claim concept
    Image Credit: Rawpixel.com, Shutterstock

    Price Of Policy

    Your policy has to be something that you can commit to month by month. If you lapse on coverage, current issues can become preexisting conditions and all sorts of headaches can happen.

    When you choose your policy, even if it is just something basic at first, it is best to have an insurance policy that you can always afford, so it never becomes an issue. Some companies offer direct quotes, while others offer flat rates on policies.

    It is completely up to the individual insurance company, so you can check which companies offer what prices. Many companies even offer a side-by-side comparison on their websites with other up-and-coming pet insurance companies.

    Plan Customization

    If you think that you’re going to be making changes or need to focus on any specific area of pet health, getting a plan that offers customization might be exactly what you need. Many plans offer flexibility in terms of what they offer.

    Other companies have add-ons you can talk on to your additional monthly premium that covers things outside of their standard coverage list.

    woman holding pet insurance form
    Image Credit: Rawpixel.com, Shutterstock

    hepper-dog-paw-divider 3

    FAQ

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

    There are likely pet insurance companies that are in other countries. They might not be the same insurance companies, so it’s important to research the specific country you will be dealing with your primary vet in to guarantee coverage.

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

    Just because your specific pet insurance company isn’t listed in our top 10, that doesn’t mean that they don’t have a comprehensive package. There are tons of pet insurance companies that are all competing for the win, offering outstanding coverage and easy-to-use features. If you are satisfied with your policy, there’s really no reason to change it.

    Which Pet Insurance Provider Has the Best Consumer Reviews?

    From what we’ve researched, Embrace typically has the highest customer satisfaction rating, closely followed by pumpkin.

    What Is the Best and Most Affordable Pet Insurance?

    The most affordable pet insurance that we have reviewed was definitely Bivvy. They offer a $15 premium every month, which is a standard rate without fluctuating prices. On the other hand, the highest rated insurance company has to be Embrace.

    man signing pet insurance policies
    Image Credit: Drazen Zigic, Shutterstock

    What the Users Say

    If you take a look at what other people say about insurance, they are generally pleased with their coverage. There is a lot of anxiety that comes along with being a pet parent, unsure if an emergency is going to happen that you financially can’t cover at specific stressful points.

    Some insurance companies complain about low reimbursement rates and unclear policy coverage information. Making sure you have an adequate layer of protection that allows you to give your pet the coverage they need will only give you Peace of Mind. It seems many customers are satisfied with that added layer of security.

    However, we implore you to speak in depth with the company you choose to ensure that there’s no fine print you’re missing.

    Which Pet Insurance Provider Is Best For You?

    Only you can decide which pet insurance company is best for you. The policy you choose needs to cover all your expectations, provide your pet with the optimal care and know your money is going to a good cause. There are a lot of factors to consider, but hopefully, we’ve made your job a little easier by breaking them down one by one.

    Be sure to research your company thoroughly, speaking with customer service providers who can answer your questions directly, taking out all of the guessing work involved.

    pet insurance coverage
    Image Credit: Rawpixel.com, Shutterstock

    Conclusion

    We still stand by our favorite pick, Trupanion pet insurance. It has just the right offerings to match most policyholder needs. It has affordable plans that offer a broad spectrum of coverage options.

    No matter which insurance company you choose, we hope you find a perfect fit for you. If you want exotic pet care coverage, we really hope to see more companies adopting plans for these types of pets, too.


    Featured Image Credit: Rawpixel.com, Shutterstock

    Related Articles

    Further Reading

    Vet Articles

    Latest Vet Answers

    The latest veterinarians' answers to questions from our database