Home > Pet Insurance > Best Pet Insurance in Ohio: Reviews, Cost & Coverage (2023)

Best Pet Insurance in Ohio: Reviews, Cost & Coverage (2023)

Reviewed by Emily Shiver

Updated Jan 12, 2023

Reviewed by Emily Shiver

Updated Jan 12, 2023

Home > Pet Insurance > Best Pet Insurance in Ohio: Reviews, Cost & Coverage (2023)

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Pet hospitalization, preventative care, and wellness can be really expensive. Ohio pet insurance is a must if you have more than one pet or are on a tight budget. We have done a great deal of research, testing, and investigation to determine which Buckeye State insurance plans for pets are the best.

We looked at policies’ monthly costs, deductibles, reimbursements, wellness care options, and more. After comparing dozens of providers, here are the top 9 best pet insurance companies in Ohio.

9 Best Pet Insurance Companies in Ohio

At House Method, we looked into the individual coverage limits, deductibles, coinsurance rates, customer reviews, ease of use, and more of each pet insurance plan. There are options for both cats and dogs, and some policies that have room for multiple animals. Lemonade earned the top spot for the best pet insurance company in Ohio.

Compare Pet Insurance in Ohio

All pet insurance providers are there to help cover health issues that your pet may be having. However, each one of these plans works differently. Although you can look at the average cost of each plan, you also need to determine if they offer alternative therapies, how reimbursement works, and if the deductible is for the plan or for each individual instance.

ProviderSample Premiums (Dogs)Sample Premium (Cats)DeductibleReimbursement RatesAnnual LimitsBBB Rating
Lemonade$15-$50$11-$24$100,$250, or $50060%, 70%, 80% or 90%$5000, $10,000, $20,000, $50,000 or $100,000NR
Spot$15-$25$10-$25$100, $250, $500, $750 and $1,00070%, 80% and 90%$2,500, $3,000, $4,000, $5,000, $7,000, $10,000 and unlimitedA
Wagmo$20-$59$20-$59$250, $500. $100090%, 100%$5,000, $10,000 or unlimitedB-
Embrace$25-$55$20-$30$200, $300, $500, $750 and $1,00070%, 80% and 90%$5,000, $8,000, $10,000, $15,000 and $30,000A+
Healthy Paws$30-$65$20-$30$250 or $50070% or 80%UnlimitedA
Figo$15-$74$10-$46$100 to $75070%, 80%, 90% or 100%$5,000, $10,000 or unlimitedB
Fetch Pet Insurance$35-$45$15-$25$250 to $1000, in $50 increments70%, 80% or 90%$5,000, $10,000 or $15,000, UnlimitedA+
Trupanion$47-$140$37-$85Varying amounts up to $1000Up to 100%No Coverage LimitsNA

What To Look for in Pet Insurance

A pet insurance quote is essential, but it’s also a good idea to know what each of these policies covers to compare one to another. Proper health care for your pet means peace of mind, but you first need to know what your pet insurance covers. Trust us on this one; each pet insurance plan is entirely different than the next.


All of the pet insurance companies on our list of the best pet insurance in Ohio are reputable companies that have been on the market for quite some time and have thousands of paying customers. However, as we all know, sometimes customer service is better from one company than it is from another. Take a look at customer reviews and see how reliable a company is when your pet needs it the most.


One of the first places we look when analyzing these plans are the exclusions. Exclusions are a problem and if you have a specific reason in mind why you are purchasing pet insurance, check the exclusions right away. As a general rule, most Ohio pet insurance companies exclude pre-existing conditions.


Some pet health insurance offers unlimited coverage caps, no deductible, or multi-policy discounts. Paying attention to these perks will help you save money on your policy and make it easier to cover your veterinary bills. For those that have homeowners insurance or life insurance, there may be perks in sticking with a company like Lemonade.


Fees like co-pays, coinsurance, and even noncovered expenses should all be considered before signing up for a pet insurance plan. Some pet owners are interested in alternative therapies for their animals, but these often come with additional fees.

Pre-existing conditions

Most pet insurance providers in Ohio offer accident and illness policies for vet bills. Based on the cost of these bills, the coverage is worth it. However, if you are looking for pet insurance because your dog or cat is already sick, make sure their pre-existing issues are covered. Not only is it hard to find an insurance plan that will accept pre-existing conditions.

Renewable Benefits

Some pet insurance plans will renew year after year; others will cancel you if you use the plan more than expected. The chance of your policy increasing in price year after year is also a reality so getting a quote from time to time is a good idea.

Veterinarian Networks

If you have a favorite vet, verify with them that they will take your pet insurance. Vets are continually changing their networks, so be sure to check in and see if the plan you are considering is part of their network for the upcoming year.

Lemonade – Best Overall

Why We Chose Lemonade Pet Insurance

Lemonade is our best overall pet insurance company for Ohio pet owners. This business has been in place for about 6 years, and they have developed a reputation for having a quick and efficient mobile app, fast claim payout, and affordable monthly payments.

With Lemonade, the online quoting system is powered by artificial intelligence (AI), so you won’t be waiting around to get your final quote.

Pros and Cons of Lemonade Pet Insurance


  • Fair monthly pricing
  • 48-hour waiting period for injuries
  • Specialty plan options for puppies and kittens
  • Once you purchase a policy, can’t be denied coverage because of age


  • Doesn't insure pets under 8 weeks old
  • Coverage for treatments like physical therapy is included at an additional charge

Lemonade Pet Insurance Cost & Coverage

The Lemonade pet insurance policies in Ohio start at around $15 for a dog and $11 for a cat. When choosing a lower deductible or higher annual limits, expect slightly higher costs. Like all pet insurance companies, Lemonade does some exclusions, including preexisting conditions, dental care, and behavioral treatments.

Cost & Coverage

  • Deductible ($100, $250, or $500)
  • Reimbursement Rates (60%, 70%, 80%, or 90%)
  • Annual Limits ($5000, $10,000, $20,000, $50,000, or $100,000)
  • Average Monthly Premiums ($15-$50 for dogs, $11-$24 for cats)

Spot – Most Customizable

Why We Chose Spot Pet Insurance

Spot is the most customizable pet insurance company in Ohio. With the ability to choose a deductible and coverage limit and feel as though you have some control over your payment, Spot is a great plan. No two pets are the same, so having some customization is an excellent choice for pet owners to consider. Spot is a great advocate for your pet, and they focus a lot of their attention on pet owner education.

For those with more than one pet at home, expect a 10% discount to help you keep the plan pricing in check for all of your furry family. Take any discount you can get.

Pros and Cons of Spot Pet Insurance


  • 10% discount for more than one pet
  • No age restrictions for older pets
  • Prescription pet food and behavioral therapy are included


  • No choice to pay your pet direction; all vet visits go through the insurance provider
  • 14-day waiting period for accidents

Spot Pet Insurance Cost & Coverage

Pet insurance policies from Spot start at around $15 per month for dogs and, in some areas, as low as $10 for cats. Remember that these lower-level policies will be accident-only plans and have low annual limits and low reimbursement rates. However, with more than one pet needing coverage at a time, these cheap emergency plans can be a good choice.

Cost & Coverage

  • Deductible ($100, $250, $500, $750, and $1,000)
  • Reimbursement Rates (70%, 80%, or 90%)
  • Annual Limits ($2,500, $3,000, $4,000, $5,000, $7,000, $10,000, and unlimited)
  • Average Monthly Premiums ($15-$25 for dogs,
  • $10-$25 for cats)

Wagmo – Best For Basic Wellness

Why We Chose Wagmo Pet Insurance

Wagmo pet insurance is the best known basic wellness company in Ohio. For pet parents, essential wellness can be hard to cover under a policy. Even plans that offer great coverage for accidents and sickness, basic wellness is not included. Wellness is simple with Wagmo, regardless of the age of your pet.

This policy has no upper age limits, so even if your furry family member is getting older, Wagmo has you covered. Wagmo also offers some of the highest reimbursement rates in the industry if you prefer to avoid paying out of pocket. Pet owners love how quickly Wagmo pays out their reimbursements after your vet visits.

Pros and Cons of Wagmo Pet Insurance


  • Can purchase a standalone wellness plan
  • Quick claim reimbursement process
  • High reimbursement rates
  • No upper age limits


  • Lifetime payout limit
  • Does not include holistic care options

Wagmo Pet Insurance Cost & Coverage

Wagmo plans are a bit less customizable from a pricing standpoint than we have seen with other companies. However, the thing to look at here is how high the reimbursement rates are.

The lower-priced plans start at around $20 and can continue up over $50. Wellness plans are available separately. Vitamins, dental surgeries, and prescription food will not be part of the plan and are excluded.

Cost & Coverage

  • Deductible ($250, $500. $1000)
  • Reimbursement Rates (90%, 100%)
  • Annual Limits ($5,000, $10,000, or unlimited)
  • Average Monthly Premiums ($20-$59)

Embrace – Most Affordable

Why We Chose Embrace Pet Insurance

Embrace is the most affordable pet insurance in the greater Ohio area. All the cuddly and cute things your pet does are why we have so much love for them, but they are expensive little critters. Finding an affordable pet insurance plan makes sense when you want to keep costs down while giving you peace of mind that large out-of-pocket expenses are covered.

With Embrace, you will pay less and less each year for your annual deductible if you don’t file a claim. No more feeling like you aren’t getting anything out of a policy if you don’t use it; with Embrace you will at least be saving money. Embrace only has a two-day waiting period, much shorter than other companies in the industry.

Pros and Cons of Embrace Pet Insurance


  • Option for a Wellness Rewards plan
  • The deductible diminishes by $50 for each year you don’t file a claim
  • Short two-day waiting period for injuries
  • Cheaper than average accident-illness coverage


  • Annual coverage limits do not go to unlimited like other plans
  • Customer service has mixed reviews and availability

Embrace Pet Insurance Cost & Coverage

Embrace plans for dogs range from $25 to $55 and $20-$30 for cats. We know we called this the most affordable plan in Ohio, but the rates look higher than some other providers. However, when you look at the diminishing deductible, the fair annual limits, and the overall value of the plan, you will find that this is a really great value.

Cost & Coverage

  • Deductible ($200, $300, $500, $750, and $1,000)
  • Reimbursement Rates (70%, 80%, and 90%)
  • Annual Limits ($5,000, $8,000, $10,000, $15,000, and $30,000)
  • Average Monthly Premiums ($25-55 dogs, $20-$30 cats)

Healthy Paws – Best For Unlimited Annual Coverage

Why We Chose Healthy Paws Pet Insurance

Healthy Paws is the best pet insurance in Ohio for unlimited annual coverage. Most pet insurance companies have an annual limit that will determine how much the plan will pay towards your pets care. For those that want to line up tests or procedures for a particular year, it may pay to look into the options for what Healthy Paws will offer.

Another great feature of Healthy Paws is that you will find coverage for hereditary and chronic conditions, which other companies may exclude. Check the list of conditions to ensure your pet’s age or specific condition includes them.

Pros and Cons of Healthy Paws Pet Insurance


  • All plan levels include unlimited annual and lifetime coverage
  • Offers direct vet payment options
  • Includes a 30-day money-back guarantee


  • No ability to customize for things like emergency care, microchipping, and hospitalization

Healthy Paws Pet Insurance Cost & Coverage

Healthy Paws pet insurance offers the best upper limits on a policy because there aren’t any! With no annual limits and high reimbursement rates of 70 or 80%, this plan has a lot to offer.

The deductible choices are a little slim, with just two options, but both are on the lower end and will help with overall affordability.

Cost & Coverage

  • Deductible ($250 or $500)
  • Reimbursement Rates (70% or 80%)
  • Annual Limits (Unlimited)
  • Average Monthly Premiums ($30-$65 for dogs, $20-$30 for cats)

Pawp – Best For Multi-Pet Enrollment

Why We Chose Pawp Pet Insurance

Pawp is the best pet insurance when you have more than one pet. Chances are if you had one dog, you went for another! We know how that goes, but some companies offer no multi-pet discount or planning for pet owners with more than one pet; luckily, Pawp is flexible and reasonably priced, so you can budget ahead of time.

Pawp makes things easy for pet owners by charging the same price and offering really straightforward policies. This is an accident and emergency type pet policy that works for both cats and dogs. The payment for services is sent directly to your vet.

Pros and Cons of Pawp Pet Insurance


  • Up to six pets can be covered under one policy
  • Uses direct vet payment rather than reimbursements
  • All premiums are a flat-rate
  • Some preexisting conditions are covered but very limited


  • Wellness is not included but can be added
  • Emergency funds require a video call before being able to access

Pawp Pet Insurance Cost & Coverage

The coverage options from Pawp are $24 for cats or dogs. These are flat-rate policies with not much room for customization on the part of the pet owner, but for some, that makes it very simple. In fact, if you are short on time and need something quick, Pawp is a great option to consider.

With the Pawp plan in place, you won’t need to worry about filing your claim, paying out of pocket, and waiting for a return. Instead, the vet is paid directly for 100% of the covered expense once the deductible is met.

Cost & Coverage

  • Deductible ($100, $250, or $500)
  • Reimbursement Rates (Does Not Apply)
  • Annual Limits ($3000)
  • Average Monthly Premiums ($24)

Figo – Shortest Waiting Periods

Why We Chose Figo Pet Insurance

Figo is the best pet insurance company in Ohio for waiting periods. When your pet is in the middle of a medical crisis, the last thing you want to have to do is wait to be paid back or reimbursed for a claim and prolong this entire process.

In addition, there are options for routine care coverages and three different plans to choose from with varying price tiers. If your pet has a pre-existing condition that is curable, the Figo plan will cover it and ensure that you even have unlimited coverage if you so choose.

Pros and Cons of Figo Pet Insurance


  • Offers a 100% reimbursement option
  • Has a one-day waiting period for injuries
  • Includes coverage for curable pre-existing conditions


  • No accident-only plan as an add-on option; pricing is a bit higher

Figo Pet Insurance Cost & Coverage

The Figo Pet Insurance plans start at around $15 for a dog and as low as $10 for a cat. The higher you pay, the closer you can get to that unlimited annual cap. Routine care coverage is only sometimes included in Figo pet insurance, so depending on where you live in Ohio, it may not be included. Figo only offers a low and high deductible plan, so your options are limited.

Cost & Coverage

  • Deductible ($100 to $750)
  • Reimbursement Rates (70%, 80%, 90%, or 100%)
  • Annual Limits ($5,000, $10,000, or unlimited)
  • Average Monthly Premiums ($15-$74 for dogs, $10-$46 for cats)

Fetch Pet Insurance – Best For Pet Therapy Coverage

Why We Chose Fetch Pet Insurance

Fetch Pet Insurance has the best pet therapy coverage in Ohio. For those with special treatment and behavioral concerns, Fetch could be a good match for you. Some plans won’t even offer pet therapy as an add-on, so this is a great option to consider if you are dealing with a special needs pet.

In addition, the Fetch Pet Insurance plans come with an A+ rating from the BBB, something that should help ease peace of mind. Boarding fees for hospitalization, holistic treatments, and vacation cancellation fees can be covered under the policy, but they will cost more to add in.

Pros and Cons of Fetch Pet Insurance


  • Standard coverage includes behavioral therapy and specialty treatments
  • No enrollment or cancellation fees
  • Includes vet exam fees
  • Allows a reduction in premium when claims are not filed


  • Won’t offer coverage for wellness
  • 15-day waiting period on all treatments
  • Requires annual checkup

Fetch Pet Insurance Cost & Coverage

The Fetch Pet Insurance starts at around $35 a month for dogs and $15 a month for cats. There are several options for coverage limits and deductibles. This helps the plan feel a bit more customizable.

Cost & Coverage

  • Deductible ($250 to $1000, in $50 increments)
  • Reimbursement Rates (70%, 80%, or 90%)
  • Annual Limits ($5,000, $10,000, or $15,000, Unlimited)
  • Average Monthly Premiums ($35-$45 for dogs, $15-$25 for cats)

Trupanion – Most Flexible Deductibles

Why We Chose Trupanion Pet Insurance

Trupanion is the best Ohio pet insurance company for flexible deductibles. The deductibles from Trupanion are different than those with other companies, allowing for a deductible for each individual coverage instead of a single deductible for the policy.

Unlike other companies in the industry, there are also options for no deductible, and each policy comes with unlimited annual coverage. In addition, Trupanion won’t raise the total cost of your plan when your pets get older.

Pros and Cons of Trupanion Pet Insurance


  • Can pay your veterinarian directly within seconds at time of checkout
  • Choice of a $0 deductible option
  • Unlimited annual coverage included with each plan
  • Won’t raise premiums as your pets get older


  • Rehab, acupuncture, behavioral modification, and wellness are not included as part of the plan

Trupanion Pet Insurance Cost & Coverage

At first glance, Trupanion pet insurance plans may look as though they are more expensive than some others on the market. However, when you consider the way the deductibles are handled and no annual limits, the plan can save you a bit of money. Prices start at around $47 a month for dogs and $37 a month for cats; many premium breed dog owners choose the Trupanion policies.

Cost & Coverage

  • Deductible (Varying amounts up to $1000)
  • Reimbursement Rates (90%)
  • Annual Limits (No Coverage Limits)
  • Average Monthly Premiums ($47-$140 for dogs,
  • $37-$85 for cats) Trupanion

Final Thoughts

At this point, you should feel better about your choices for Ohio pet insurance and what to expect. Lemonade pet insurance stands out as the best overall choice because of the fair pricing, availability across the state, and easy-to-establish coverage. Whether looking for preventative care, wellness, or coverage for emergencies like x-rays and broken bones, Lemonade offers plan choices that can work for you. When you get a quote from Lemonade, be sure to consider a few other quotes so that you can properly compare coverages, deductibles, and coinsurance.

Frequently Asked Questions

How Much Does Pet Insurance Cost in Ohio?

Pet insurance in Ohio can range from around $10 per month to more than $75 per month. Pet insurance can be made more affordable by looking for policy discounts and incentives; outside of that, the policy is determined mainly by decisions you make regarding coverage.

How Much Does Pet Insurance Cost for Dogs in Ohio?

Dog insurance in Ohio is more expensive than cat insurance and typically starts at around $20 per month. For lower deductible plans, the pricing can be more like $40 per month.

How Much Does Pet Insurance Cost for Cats in Ohio?

Cat insurance in Ohio is a bit more affordable than dog insurance and should start at around $15 per month. The pricing for cat insurance can increase to more than $40 for multiple cats or cats with pre-existing conditions.

What Does Ohio Pet Insurance Cover?

A pet insurance plan in Ohio will cover the costs of accidents and injuries, vaccinations, emergency care, medication, tests, and diagnosis. However, all plans are different, and you have to check the individual coverages of each plan. Things like spay and neuter procedures, hip dysplasia, dental cleanings, and others can also be covered, but that’s up to the discretion of the individual insurance plans.

Ohio Pet Laws

Cleveland Pet Laws

Cleveland requires your pet to be licensed and leashed on city property. In addition, in Cleveland, you will have to be sure you don’t have more than 5 dogs. Individual neighborhoods may have restrictions regarding certain dog breeds.

Cincinnati Pet Laws

Cincinnati is becoming a bit more strict in the laws it has surrounding pets. You can no longer keep dogs outdoors in extreme weather conditions. Dogs may not be tethered from 10 pm to 6 am or when the owner is away. If you see a dog tethered for more than 6 hours in any 24-hour period, it breaks Cincinnati pet laws.

Columbus Pet Laws

In Columbus, dogs must be under complete control at all times. With the Columbus pet laws, your dog must be able to come, sit and stay and the leash ensures that this will happen regardless of the circumstances encountered.

Other Pet Insurance Resources