Best Pet Insurance in Ohio For 2025

Approximately 62% of households in Ohio own a pet, 38% of them dogs and the other 29% cats. There are several popular pet insurance companies throughout the state offering coverage at affordable rates and even more employers offering pet insurance as an employee benefit.

In the next sections, we’ll review top insurance companies in Ohio and explore how various factors affect overall insurance costs.

Average Cost of Pet Insurance In Ohio — By Cat Breed

If you’re a cat owner in Ohio, your pet’s breed will affect your monthly premium. Here’s what you can expect to pay for insurance:

Maine Coons and Siamese cats tend to cost more to insure due to their size and breed-specific health conditions. Domestic shorthairs remain the most affordable.

Average Cost of Pet Insurance In Ohio — By Dog Breed

Dog insurance in Ohio can vary a lot depending on your pup’s breed. Certain dogs are simply more expensive to insure because of their size, lifespan, or risk of chronic conditions.

French Bulldogs and Pugs tend to top the price chart — both breeds are known for breathing issues and other inherited health concerns. Labs, on the other hand, are active but generally healthy, which keeps costs low.

Average Cost of Accident-Only Pet Insurance In Ohio

Accident-only policies are a budget-friendly option for pet owners who want basic protection without the higher cost of full illness coverage.

These plans cover injuries, broken bones, swallowed objects, and other sudden accidents — but not illnesses or chronic conditions. Lemonade and Pets Best currently offer the most affordable accident-only options in Ohio.

Average Cost of Comprehensive Pet Insurance In Ohio

Comprehensive plans offer the most coverage — protecting your pet from both accidents and illnesses. This includes cancer treatments, surgeries, medications, and more.

If you want peace of mind for serious health issues, these plans are the way to go. ManyPets and Pets Best lead in affordability, while Healthy Paws offers strong coverage with higher limits — at a slightly higher price.

How To Find The Best Pet Insurance Company For You

Finding the right pet insurance isn’t just about getting the lowest monthly rate — it’s about knowing what coverage you need and which provider fits your pet’s health profile.

I like to think of it like shopping for health or life insurance. You wouldn’t just buy the cheapest plan — you’d compare coverage, limits, and exclusions. The same logic applies here.

Here are the key things to look for when comparing providers:

Choose the Right Coverage Type

Most insurers offer two main types of coverage:

• Accident-Only – These plans are ideal for younger, generally healthy pets. They cover things like broken bones, cuts, or swallowed toys — but not illnesses.
• Comprehensive (Accident + Illness) – These plans offer broader protection, including coverage for conditions like cancer, arthritis, or allergies. They’re often a better fit for older pets or breeds prone to health issues.

Watch the Waiting Periods

Every pet insurer has a waiting period — a set amount of time after purchase before coverage begins.

• Accidents often have shorter waiting periods (sometimes just 2–5 days).
• Illnesses usually have longer waiting periods (often 14–30 days).

Some providers even have longer waiting periods for orthopedic conditions, especially for dogs.

Knowing these timelines is key if you’re buying coverage before a big trip or just adopted a new pet.

Largest Pet Insurance Companies In The United States

Pet Insurance Discounts In Ohio

Over 20,000 claims were submitted in Ohio under pet insurance policies in 2023 and the average cost per claim was $338. Finding pet insurance discounts in Ohio can help you bring these costs down.

• Ohio University: Those who work at Ohio University qualify for employee discounts up to 30% from a handful of pet insurance providers
• Bundles: If you have another insurance policy for your home or car, you can get discounts for adding pet insurance
• AAA: AAA members can get up to 20% of certain plans, and 10% off all additional pet policies
• Multi-Pet: If you get coverage for more than one pet, you qualify for multi-pet discounts up to 10% from different companies

Other possible insurance discounts in Ohio relate to employee discount programs that can give you up to 30% off flexible coverage in places like Franklin County.

Factors That Impact the Cost Of Your Pet Insurance Policy In Ohio

Location is perhaps one of the biggest factors that influences cost. In Ohio, veterinary care costs are slightly below the national average and as such the cost of health coverage is also slightly below the national average.

Type of Pet

Beyond location, the type of pet you insure is the biggest factor for cost. Dogs cost more than cats because they are bigger and they have more health concerns. However, as Ohio Veterinary Care is slightly lower than the national average, the respective cost for dog insurance policies is 5.29% lower in Ohio but 2.94% higher for cats.

Premiums

One factor is the premiums. You can typically choose to pay premiums annually or monthly and if you choose to pay monthly your rates will be slightly higher.

Annual Limits

Annual limits are the amount every year that your insurance company will pay and once you reach that amount, you have to pay everything else out of pocket.

If you have a high annual limit, that means you get better coverage from your insurance provider but it also means you pay a higher premium.

Reimbursement Rate

The reimbursement rate is a percentage and it represents the percentage of every bill for qualifying events that your insurance company will reimburse for you.

For example:

If your dog goes to the vet for an unexpected accident and it costs $300, and your reimbursement rate is 90%, the insurance company will pay you $270 so you paid $30 out of pocket.

The higher your reimbursement rate, the higher your premiums will be and vice versa.