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Best Pet Insurance in Pennsylvania 2022: Comparison and Review of Top Rated Companies in Pa Cities like Philadelphia, Pittsburgh, and Allentown

Vet bills for pet wellness and the treatment of illness and injury can be expensive, but the best pet insurance in Pennsylvania can help reduce costs.

Selecting the best pet insurance coverage that is affordable and meets the needs of your pet doesn’t have to be confusing. Our list of the top 10 pet insurance companies breaks down the details so you can see the coverage levels and costs of some of the best insurance options around.

Best Pet Insurance Companies in Pennsylvania

  • Spot – Best Choice for Unlimited Coverage in Pennsylvania
  • Pumpkin – Best for Young Kittens and Puppies in Pennsylvania
  • Embrace – Best Pick for Pets Advanced in Age in Pennsylvania
  • Healthy Paws – Best Insurance To Cover Alternative Therapies in Pa
  • ASPCA – Best Insurance for Pets with Hereditary Conditions in Pa
  • Pets Best – Best Option for Pets with Mobility Issues in Pa
  • Figo  – Has the Best Reimbursements in Pennsylvania
  • Nationwide – Best Option for Exotic Pets in Pennsylvania
  • Lemonade – Best Insurance to Process Claims Fast in Pa

1. Spot – Best Pet Insurance for Unlimited Coverage in Pennsylvania 

Spot Pennsylvania Pet Insurance Pros:

  • Deductibles as low as $100
  • Unlimited coverage options
  • Acupuncture, hydrotherapy, and other alternative treatments covered
  • No upper age limit

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 

Spot’s premiums run high for young pets, but it insures older animals without imposing an age limit. With the full coverage insurance, you don’t 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.

Spot Animal Insurance Claim Processing Time in Pennsylvania: 4.5/5

Newly enrolled pets are covered after just 14 days. Claims are typically processed quickly.

Overall Score: 4.5/5

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2.  Pumpkin – Best Pet Insurance for Young Kittens and Puppies in  Pennsylvania

Pumpkin Pennsylvania Pet Insurance Pros:

  • Prescription pet foods covered
  • 14-day waiting period
  • No age limit
  • 30-day guarantee or your money back

Pumpkin Pennsylvania Pet Insurance Cons:

  • Unable to customize reimbursement level
  • Annual coverage limits
  • Few choices for the deductible

Add a preventative care option to your plan with Pumpkin. These include a variety of wellness and vaccination fees. There is also coverage available for parasite testing in some states.

Pumpkin Pet Health Insurance Policy Cost in Philadelphia, Pittsburgh, Allentown, and more: 4/5

Pet insurance plans through Pumpkin are higher than some, but still affordable and have the option to add-on preventive care for young pets. Some wellness services are fully refundable.

Pumpkin 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.

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

Pumpkin’s wellness add-ons are great for young animals. You can get coverage for many alternative treatments as long as they are prescribed and carried out by a vet. Common therapies in this category include treatment for ongoing pain or arthritis. Pumpkin also covers prescription food for pets with special dietary restrictions or needs.

Pumpkin Pennsylvania Pet Insurance Plan Options: 3.8/5

Pumpkin allows you to add preventative and wellness care to your policy. However, it only has one reimbursement option for 90% that may not work for every budget.

Pumpkin Animal Insurance Claim Processing Time in Pennsylvania: 4/5

Pumpkin’s 14-day wait period is much faster than some of the other top picks for best pet insurance. This can be helpful when your pet has a concern that needs care quickly. Claims processing times are normally within 30 days.

Overall Score: 4.3/5

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3.  Embrace – Best Pet Insurance for Pets Advanced In Age in Pennsylvania

Embrace Pennsylvania Pet Insurance Pros:

  • High upper age limit
  • Diminishing deductible
  • Option for high reimbursement level
  • Curable pre-existing conditions are covered

Embrace Pennsvylania Pet Insurance Cons:

  • Dogs and cats only
  • No option for unlimited benefits
  • Wellness benefits are limited
  • Unavailable in U.S. territories and Canada

Buy accident and illness coverage for your pet of 15 years or younger with Embrace. Older pets are eligible for accident coverage only.

Embrace is one of the best pet insurance companies that offer a Wellness Rewards plan where you make annual contributions. Policies include a 30-day guarantee and offer a diminishing deductible for years when you don’t file a claim for reimbursement.

Embrace Pet Health Insurance Policy Cost in Philadelphia, Pittsburgh, Allentown, and more: 4.5/5

Embrace has low premiums and a diminishing deductible. If your pet remains healthy, your deductible lowers. Each year that you don’t need to file a reimbursement claim is rewarded by dropping your deductible by $50. This can save you significant out-of-pocket fees over time. Opting for a higher reimbursement level can raise premiums.

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

Embrace lets you use as many discounts as you qualify for. These include a 10% premium discount for multiple pets, a 5% discount for military personnel, and a 10% employee discount. Added together, these discounts can lead to significant savings.

Embrace Pa Dog, Cat, and Exotic Animal Insurance Coverage: 4.5/5

Your pet’s advanced age shouldn’t limit the care. Senior pets are often more susceptible to illness and injury and require more frequent or involved care to keep them healthy. 

With Embrace, you can purchase a new policy for pets until they are 15. For older pets, you can opt for accident-only policies.

Embrace Pennsylvania Pet Insurance Plan Options: 3/5

Wellness insurance isn’t offered. Instead, Embrace has a Wellness Rewards plan that you contribute money towards, instead of as part of a standard policy. Plans are only offered for dogs and cats.

Embrace Animal Insurance Claim Processing Time in Pennsylvania: 3.5/5

Claims are generally processed within a 30 day period, which is standard for pet insurance.

Overall Score: 4.1/5

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4. Healthy Paws – Best Pet Insurance To Cover Alternative Therapies in Pa

Healthy Paws Pennsylvania Pet Insurance Pros:

  • Alternative therapy coverage
  • Claim processing is fast
  • Direct payments may be possible in some circumstances

Healthy Paws Pennsylvania Pet Insurance Cons:

  • Only have a single policy option
  • Coverage limited for senior pets
  • Coverage not extended to routine office exams
  • Dogs enrolled at age 6 or older not eligible for hip dysplasia coverage

Healthy Paws for dogs and cats lets you choose your deductible and has no benefit caps. Use the mobile app to process your claim fast. If you can’t cover the cost of a vet bill following a procedure, you may be offered the option of direct payment. Enroll pets while they are young for the best coverage and reimbursement rates.

Healthy Paws Pet Health Insurance Policy Cost in Philadelphia, Pittsburgh, Allentown, and more: 4/5

Premiums for Healthy Paws are slightly higher than average. This is partly due to having no caps on reimbursements. Healthy Paws also charges an enrollment fee of $25.

Healthy Paws Insurance for Pets Discounts in Philadelphia, Pittsburgh, Allentown, and more: 1/5

There are no discounts offered for Healthy Paws Plans. However, there is still a policy for you.

Healthy Paws Pa Dog, Cat, and Exotic Pet Insurance Coverage: 5/5

Healthy Paws stands out by covering alternative treatments such as acupuncture, massage, physical therapy, and hydrotherapy. The insurer doesn’t put restrictions on the benefits that your pet can receive. There are no limits based on the incident, annual coverage period, or even your pet’s lifetime. However, hip dysplasia coverage is limited.

Healthy Paws Pennsylvania Pet Insurance Plan Options: 4/5

There is only one type of plan offered that covers accidents and illness. However, it offers a lot of coverage.

Healthy Paws Animal Insurance Claim Processing Time in Pennsylvania: 5/5

With a lot of insurance companies, you need to wait up to 30 days for a claim. Healthy Paws uses a convenient mobile app that reduces processing time to just two days.

Overall Score: 3.8/5

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5. ASPCABest Pet Insurance for Pets with Hereditary Conditions in Pa

ASPCA Pennsylvania Pet Insurance Pros:

  • Exceptional coverage for congenital and hereditary illness
  • No age limit
  • Covers both microchipping and stem cell therapy

ASPCA Pennsylvania Pet Insurance Cons:

  • Website difficult to use
  • Transaction fee for monthly payments
  • Up to a 30-day wait for claims processing

ASPCA offers affordable premium rates and flexible policy terms. Choose from plans that offer preventative care, accident and illness coverage, or accident only. ASPCA doesn’t put an age limit on pets for coverage of congenital and hereditary diseases.

Any conditions undiagnosed before enrollment are covered, along with curable conditions as long as your pet has no symptoms for 180 days. You may experience long wait times to receive your reimbursements.

ASPCA Pet Health Insurance Cost in Philadelphia, Pittsburgh, Allentown, and more: 3.5/5

The monthly premium rates for ASPCA plans are highly affordable. They also offer greater flexibility regarding the specific terms of the policy you own. The downside is that you are charged a transaction fee if you pay your premium monthly instead of annually.

ASPCA Insurance for Pets Discounts in Philadelphia, Pittsburgh, Allentown, and more: 4/5

A higher-than-average 10% discount is offered for covering multiple pets.

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

ASPCA covers hereditary or congenital conditions, even if your pet has reached a more advanced age. It also covers curable pre-existing conditions and stem cell therapy.

ASPCA Pennsylvania Pet Insurance Plan Options: 4/5

ASPCA has multiple pet insurance plans to choose from. Microchipping is also covered under ASPCA plans.

ASPCA Animal Insurance Claim Processing Time in Pennsylvania: 2/5

Claims take 30 days to process, which is a long time when you are waiting for reimbursement of a sizable bill.

Overall Score: 3.7/5

Click Here for an ASPCA Pet Insurance Quote

6. 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:

  • Can’t 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 isn’t 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 aren’t available in all states.

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

Pets Best has fewer restrictions on the ages of the pets insured. You can get a policy to cover pets when they are just seven weeks old. With no upper age limits, Pets Best is also a great option to cover older pets. It is also one of the few companies that cover prosthetics and wheelchairs. These devices can be expensive but can make a huge difference to your pet’s quality of life.

Pets Best Pennsylvania Pet Insurance Plan Options: 4/5

Pets Best offers customizable coverage. There are multiple plans and levels of coverage to choose from. A downside of Pets Best is that you must wait until your renewal date to adjust your plan.

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

It can take up to 45 days to receive reimbursement for your claim. This is longer than most other pet insurance carriers.

Overall Score: 3.6/5

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7. Figo – Best Pet Insurance for Reimbursements in Pennsylvania

Figo Pennsylvania Pet Insurance Pros:

  • Optional 100% reimbursement
  • No upper age limit
  • Low deductibles

Figo Pennsylvania Pet Insurance Cons:

  • Pets enrolled after age two ineligible for coverage of hereditary conditions
  • Preventative care not covered
  • 6-month wait for orthopedic claims

There are no annual limits with Figo, although lifetime limits apply. Figo offers policies with zero co-payments and 100% reimbursement. These policies do come at a higher premium, however. The lack of coverage options for preventative care, along with restrictions on hereditary conditions, can be troublesome for some pet owners.

Figo Pet Health Insurance Policy Cost in Philadelphia, Pittsburgh, Allentown, and more: 3.8/5

Figo’s premiums are higher than average due to low co-pays, deductibles, and no limits of benefit payout. The trade-off of a higher premium is worth it for pets that require more frequent care, as your out-of-pocket expenses are reduced.

Figo Insurance for Pets Discounts in Philadelphia, Pittsburgh, Allentown, and more: 3/5

While you may qualify for a discount on your premium, you must call customer service to find out what is available in your state.

Figo Pa Dog, Cat, and Exotic Animal Insurance Coverage: 4/5

Figo has three insurance plans available. Choose from multiple reimbursement options, but there are no options to add riders to your policy.

Figo Pennsylvania Pet Insurance Coverage: 3.8/5

There are no annual caps to benefits, resulting in more complete coverage. However, coverage for hereditary conditions is limited. Figo also doesn’t have wellness plans.

Figo Animal Insurance Claim Processing Time in Pennsylvania: 3/5

Claims are generally processed within a 30 day period, which is standard for pet insurance.

Overall Score: 3.52/5

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8.  Nationwide – Best Pet Insurance for Exotic Pets in Pennsylvania

Nationwide Pennsylvania Pet Insurance Pros:

  • Exotic pet coverage for birds and more
  • 24/7 helpline
  • Visit any provider in the world

Nationwide Pennsylvania Pet Insurance Cons:

  • Strict $250 deductible
  • Upper age limits
  • Details about coverage and exclusions difficult to locate
  • Reimbursement amounts limited

Nationwide is the best pet insurance if you are the owner of a more exotic animal. Check the list to see if your animal is included before buying a policy. You can sign up for dog and cat insurance online, but coverage for exotic pets requires a phone call to 844-244-3691 to discuss rates and purchase your policy.

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

Nationwide premium costs are mostly average for pet insurance. It has a lower reimbursement option of 50% that can be a favorable feature of the best pet insurance and reduces the cost of your premium to make it a more affordable option. You end up paying more for the services that your pet needs, but if you don’t need to file many claims, it can save you money.

Nationwide Insurance for Pets Discounts in Philadelphia, Pittsburgh, Allentown, and more: 3/5

A 5% discount can be applied if you insure multiple pets. You may also get a discount if you have other Nationwide policies or if your employer offers a pet insurance benefit through a partnership program.

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

Not all pet insurance policies cover birds, reptiles, and other unusual animals. With Nationwide, you can insure a wide range of animals with a plan from a reputable carrier.

Nationwide Pennsylvania Pet Insurance Plan Options: 3/5

Nationwide offers four types of insurance plans. These range from major medical expenses only to comprehensive care and exotic pet coverage. However, there is just one deductible option for $250.

Nationwide Animal  Insurance Claim Processing Time in Pennsylvania: 3/5

Claims are generally processed within a 30 day period, which is standard for pet insurance.

Overall Score: 3.5/5

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9. Lemonade – Best Pet Insurance To Process Claims Fast in Pa

Lemonade Pennsylvania Pet Insurance Pros:

  • Super-fast claims processing
  • Multiple discount options
  • Part of your payment supports pet charities

Lemonade Pennsylvania Pet Insurance Cons:

  • Availability is limited to 36 states.
  • Online information is limited.
  • Signup requires an exam and vet records from the past 12 months.
  • Your credit score impacts the offered rate.

Lemonade offers a comprehensive policy with the option to add additional coverage such as vaccines, checkups, and some alternative treatments. A big advantage of this insurer is that claims are processed in minutes. Also note that a portion of your payments is donated to nonprofits.

Lemonade Pet Health Insurance Policy Cost in Philadelphia, Pittsburgh, Allentown, and more: 4/5

The cost of a Lemonade pet insurance plan is typically lower than the industry average.

Lemonade Insurance for Pets Discounts: 4/5

Lemonade offers discounts when you purchase additional insurance coverage from the company.

Lemonade Pa Dog, Cat, and Exotic Animal Insurance Coverage: 2/5

There is an upper age limit for coverage that can be as low as 7 years old for some breeds. This is much lower than most pet insurance.

Lemonade Pennsylvania Pet Insurance Plan Options: 2/5

Lemonade offers multiple policies to choose from. You can also add riders to your chosen plan. Unfortunately, Lemonade plans aren’t available in all states.

Lemonade Animal Insurance Claim Processing Time in Pennsylvania: 5/5

Lemonade uses an app that makes it easy to file a claim and see your reimbursement in as little as a few minutes.

OverallScore: 3.4/5

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Honorable Mention:

  • 24PetWatch
  • GEICO Pet Insurance
  • Hartville
  • Metlife Pet Insurance
  • Pet Assure
  • PetFirst
  • Petplan
  • Truepanion
  • TrustedPals
  • USAA Pet Insurance

How We Selected the Best Pet Insurance in Pennsylvania

There are several key factors that most pet owners are concerned with when it comes to purchasing a pet insurance policy:

  • Plan options and coverage levels
  • Cost
  • Potential for discounts
  • Annual limits on reimbursement
  • Exclusions and restrictions within the policy
  • Wellness benefits and alternative treatment coverage
  • Customer service/reviews
  • Timeframe for claims processing
  • Ratings by third-party sites

We used these criteria to examine some popular plans and determine the best companies in terms of coverage and strain on your wallet.

Best Pennsylvania Pet Health Insurance Buying Guide

These FAQs can help you get a deeper understanding of insurance which can help you select the best pet insurance plan for you.

What Does Vet Insurance Cover in Pennsylvania?

Coverage varies in each plan. Most policies cover injuries and accidents, or you can purchase a wellness policy that is strictly for checkups and vaccinations. Common plan variations include accident-only, accident and illness, or comprehensive policies.

Are There Other Limitations on Insurance for Pets?

Read through your chosen policy thoroughly before you buy it. Some have restrictions and limitations that you need to know about in advance.

  • You may need to wait for 14 days or longer after the purchase of your policy before you can be reimbursed for any expenses.
  • Some conditions may be specifically excluded; always read the fine print of the policy.
  • There may be restrictions on coverage within a certain geographic area, and your insurer may also specify vets that it covers.

How Do I Use My Pet Insurance for My Dog or Cat?

After you select a pet insurance policy, you will be responsible for paying a monthly premium to keep your coverage active. When you take your pet to the veterinarian, you generally need to pay the bill out of pocket first and then submit a reimbursement claim.

What Affects Premium Costs for Pets?

The price of your plan depends on different factors depending on the provider. However, some of the most common factors include:

  • Type of pet
  • Age
  • Gender
  • Breed
  • Where you live
  • Coverage level and type you choose
  • Deductible and reimbursement plan

The cost of the best pet insurance is normally higher in areas that have a higher cost of living.

Is Vet Insurance Worthwhile in Pennsylvania?

The best pet insurance offers more than medical coverage; it provides peace of mind. You must think about the plan’s cost and compare this against the potential benefits you could get from the insurance. If you don’t believe you would be able to afford an expensive bill from your vet, then insurance can help you relax knowing that your pet is covered and has access to care it may need in the future. Pet insurance is typically worthwhile if your pet is young and relatively healthy and you can afford to pay a monthly premium.

Which Pa Pet Insurance Company and Policy Is Right for Me and My Pet?

The best pet insurance company that is right for you depends on several factors. You must consider your pet’s health and potential needs, along with what fits comfortably into your budget.

Top 5 Best Pennsylvania Pet Insurance Companies Summary

Spot

  • Zero copayment
  • Average deductible: $100-$1000
  • Annual limits: Choice of $2,500-$20,000 or unlimited
  • Discounts when covering multiple pets

Pumpkin

  • Preventative care for growing pets
  • Average deductible: Choose from $100, $250, and $500 plans
  • Annual limits: $7-$15,000 for cats and $10-$20,000 for dogs
  • Discounts when covering multiple pets

Embrace

  • Coverage for elderly pets of 15 years or older
  • Average deductible: $100-$1,000
  • Annual limits: Multiple coverage options available, including unlimited
  • Discounts when covering multiple pets, military discounts, and more

Healthy Paws

  • No benefit caps
  • Average deductible: Choose from $100, $250, and $500 plans
  • Annual limits: Unlimited
  • Not available

ASPCA

  • Covers treatments like stem cell therapy
  • Average deductible: $100-$500
  • Annual limits: $3,000-$7,000
  • Discounts when covering multiple pets, employee discount

Final Thoughts About Choosing the Best PA Pet Insurance Company

The best pet insurance coverage for you varies depending on what features and level of coverage you are looking for. Purchasing insurance is a complex decision that you should think over carefully. 

Insurance can be a blessing for unexpected care requirements for injuries and illness. It’s also a great option for animals and breeds that are at higher risk for developing known health issues. In the end, the final choice comes down to your financial situation, the risk factors, and the health needs of your pet.

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