Best Pet Insurance in Ohio For 2024
In Ohio, Lemonade Pet Insurance leads as the top pet insurance provider.
We’ve saved shoppers an average of $350 per year on their pet insurance.
After evaluating several pet insurance providers, I found Lemonade Pet Insurance to offer the best all-around coverage in Ohio, fitting a variety of needs.
In the next sections, we’ll review top insurance companies in Ohio and explore how various factors affect overall insurance costs.
Best Pet Insurance Companies In Ohio, 2024
Compare The Best Pet Insurance Companies In Ohio
| Overall Rating | Best For | Average Annual Cost for Dogs | Average Annual Cost for Cats | Coverage Waiting Period | Get A Quote | |
|---|---|---|---|---|---|---|
| Lemonade Pet Insurance |
|
Affordable Coverage |
$37 |
$18.41 |
2 days accidents and 14 days illnesses |
Instant Quote |
| Lemonade Pet Insurance |
|
Owners Of Young Pets |
$37 |
$18.41 |
2 days accidents and 14 days illnesses |
Instant Quote |
| ASPCA |
|
New Pets Owners |
$84 |
$38.67 |
Immediately for preventive care and 14 days for accidents and illnesses |
Instant Quote |
| Embrace |
|
Cat Ownerss |
$49 |
$20.44 |
48 hours for accidents and 14 days for illnesses |
Instant Quote |
| Lemonade Pet Insurance |
|
Overall Coverage |
$37 |
$18.41 |
2 days accidents and 14 days illnesses |
Instant Quote |
| Pets Best |
|
Owners Of Multiple Pets |
$43 |
$29.54 |
3 days accidents and 14 days illnesses |
Instant Quote |
Best Pet Insurance Companies In Ohio
Best Overall Coverage
Key Statistics
Why We Like Them
⇅A pet insurance company earns its top spot in a region based on several key factors, including cost, service, and how fast they handle claims. In Ohio, Lemonade Pet Insurance leads the way, with affordable rates of $18.41 for cats and $35.18 for dogs per month. Customers also applauded Lemonade for its stellar customer service, reflecting the team’s genuine passion for animals.
Benefits & Drawbacks
⇅- Waiting period of two days post-accident
- Foremost claims processing sector
- A wide range of discounts is available.
- Monthly contributions include support for nonprofit causes. ✓
- Enrollment in certain pet breeds is limited by age.
- Regulations aren't accessible in every state.
- The premiums for pet insurance are calculated based on the pet owner's credit and claims background. ✘
Best Affordable Coverage
Key Statistics
Why We Like Them
⇅Pet owners who want to insure their pets often think it’s too expensive, but Lemonade Pet Insurance busts this myth with affordable options. Cat coverage averages $18.41, and dog coverage is about $35.18. Lemonade further reduces costs with discounts like bundling, saving up to 15%, and their user-friendly app makes policy management a breeze.
Benefits & Drawbacks
⇅- A waiting period of two days for accidents.
- Swift claims processing outpaces top competitors.
- You have a wide selection of discounts to choose from.
- Funds from your premium aid charitable causes. ✓
- Some pet breeds are no longer covered by insurance once they reach a certain age.
- The extent of coverage depends on where you reside.
- The pet owner's credit and history of claims impact their insurance rates. ✘
Cheapest Rates For Owners Of Young Pets
Key Statistics
Why We Like Them
⇅Welcoming a new kitten or puppy into your family can be exciting, but caring for a young pet comes with its challenges. In addition to training, it’s essential to pick a pet insurance provider that makes getting and managing coverage easy. Lemonade Pet Insurance hits the sweet spot between affordability and convenience, with an industry-leading mobile app and outstanding customer service. With average premiums of $18.14 for cats and $35.18 for dogs, Lemonade is ideal for owners of young pets.
Benefits & Drawbacks
⇅- Pet injury coverage begins after a short 2-day wait for policyholders.
- Processing of claims occurs at a fast pace.
- Policyholders have a wide array of discounts to choose from.
- Part of the policyholder's premium is earmarked for nonprofit organizations. ✓
- Some pet breeds can't get insurance after they reach a certain age.
- This coverage applies to fewer than 50 states.
- The price of insurance is based on the pet owner's credit and their record of insurance claims. ✘
Cheapest Rates For New Pet Owners
Key Statistics
Why We Like Them
⇅For first-time pet owners, choosing a reliable insurance provider like ASPCA is vital. Though ASPCA’s premiums are slightly higher—$38.67 for cats and $83.30 for dogs—they offer significant advantages that make the cost worth it. They impose no age limits, ensuring senior pets can get insured, and offer coverage for behavioral issues and alternative therapies, ideal for certain dog breeds.
Benefits & Drawbacks
⇅- The insurance encompasses alternative therapies, behavioral issues, and congenital conditions.
- You must wait 14 days for cruciate injuries.
- Access veterinary care through our 24/7 telehealth service.
- Standard policies include coverage for vet clinic visits due to illnesses and accidents. ✓
- An agent is necessary to secure unlimited annual coverage.
- Deductible options are scarce. ✘
Cheapest Rates For Cat Owners
Key Statistics
Why We Like Them
⇅Cat owners in Ohio looking for affordable insurance should check out Embrace Pet Insurance, which offers coverage for around $20.44 per month. Embrace also gives back, donating $2 to charity for each policy. They’re partnered with major insurance brands like USAA, Allstate, and GEICO.
Benefits & Drawbacks
⇅- There are inexpensive policy options to explore.
- Numerous regular policies include coverage for treatable pre-existing health conditions.
- Skip the waiting period for orthopedic care by getting your pet examined by a vet. ✓
- Accident policies are the only option for pets aged 14 and up.
- Basic policies do not include extra benefits. ✘
Cheapest Rates For Multiple Pets
Key Statistics
Why We Like Them
⇅Having multiple pets might increase your expenses on food and toys, but it can also lead to savings on pet insurance. Many companies, like Pets Best, offer multi-pet discounts for covering multiple animals. Their premiums are affordable, with averages of $29.54 for cats and $41.39 for dogs. Pets Best also provides benefits like 24/7 access to a vet helpline and coverage for pets with disabilities or prosthetics.
Benefits & Drawbacks
⇅- Pets needing wheelchairs or prosthetic devices are covered.
- Get veterinary help any time of day with the 24/7 vet healthline.
- Accident protection starts in as little as three days.
- There are flexible options for accident and illness insurance coverage. ✓
- In comparison to other companies, the processing of claims is notably slower.
- Changes in policy are limited to the renewal window. ✘
Average Cost of Pet Insurance In Ohio — By Cat Breed
| Cat Breed | Average Monthly Cost |
| Domestic Shorthair | $18 |
| Sphynx | $19 |
| Siamese | $23 |
| Maine Coon | $26 |
Average Cost of Pet Insurance In Ohio — By Dog Breed
| Dog Breed | Average Monthly Cost |
| Labrador Retriever | $19 |
| French Bulldog | $37 |
| Poodle | $63 |
| Pugs | $85 |
Average Cost of Accident-Only Pet Insurance In Ohio
| Insurance Provider | Average Monthly Cost for Accident-Only Coverage |
| Lemonade | $29 |
| Pets Best | $31 |
| TrustedPals | $36 |
| Figo | $42 |
| ASPCA Pet Health Insurance | $54 |
Average Cost of Comprehensive Pet Insurance In Ohio
| Insurance Provider | Average Monthly Cost for Comprehensive Coverage |
| ManyPets | $35 |
| Pets Best | $37 |
| Lemonade | $45 |
| Trusted Pals | $50 |
| Healthy Paws | $52 |
How To Buy Pet Insurance In Ohio
Getting pet insurance is a direct process, particularly with platforms like Insuranceopedia.
Ensure you have all essential information ready, including your pet’s type, breed, age, medical history, and any documentation about their lineage.
Identify the best coverage amount and deductible for your pet’s specific requirements.
Seek quotes from at least three pet insurance providers to compare and contrast their offerings.
Acquire your policy and make sure to inform your vet about the coverage changes.
How To Find The Best Pet Insurance Company For You
Securing pet insurance is much like obtaining health or life insurance. Comparing rates and coverage is crucial, but first, you need to understand the key components of a pet insurance policy. Most providers offer either accident-only coverage or more comprehensive plans that include both accidents and illnesses.
Accident-only coverage is typically suited for younger pets with fewer health concerns, while comprehensive plans are advantageous for breeds with higher risk factors. Another important consideration is the waiting period, which varies between insurers for accidents and illnesses.
Largest Pet Insurance Companies In The United States
| Pet Insurance Company | Estimated Market Share Percentage |
| Trupanion | 30% |
| Nationwide Mutual Insurance Company | 19% |
| Embrace Insurance | 9% |
| Fetch by the Dodo | 8% |
| Pets Best Insurance | 2.4% |
| Hartville Group Inc. | 1.4% |
| MetLife Insurance | 1.4% |
| Petsecure | 1.3% |
| Healthy Paws Insurance | 0.73% |
| Pumpkin Insurance | 0.48% |
Pet Insurance Discounts In Ohio
The cost of pet insurance in Ohio, like health insurance, can vary based on location. To lower your pet insurance expenses, look into available discounts. Different providers offer different discounts, but consider these possibilities:
- Discounts offered by your employer
- Discounts for insuring several pets
- Discounts through employee unions
- Discounts from wholesale or special interest organizations
- Discounts for having multiple insurance policies
- Discounts for current and former military personnel
- Discounts for senior policyholders
- Discounts for buying policies online
- Discounts for workers in animal care
- Discounts for service animals
Factors That Impact the Cost Of Your Pet Insurance Policy In Ohio
It’s a common misconception that a pet’s monthly insurance cost is determined by only one or two factors. Several aspects actually influence the cost, including:
- Type of Pet
- Breed
- Age
- Type of Insurance
- Location
Type of Pet
The kind of pet you have greatly impacts your insurance premiums. On average, dog owners pay 2-3 times more than cat owners because dogs face more risks from being outdoors.
Breed
The breed of your pet also plays a role in insurance costs. While most dog breeds don’t affect premiums much, some, like boxers and bulldogs, are considered high-risk due to their susceptibility to certain health issues.
Age
The age of your pet is another critical factor in determining insurance rates. Some insurers offer reasonable rates regardless of age, while others may exclude older pets. It’s important to compare options if your pet is a senior.
Insurance Type
When choosing a plan, you generally have two options: accident-only coverage or accident and illness coverage. Comprehensive plans offer more extensive protection but usually cost more. Determine if the additional coverage is worth the extra cost.
Location
Regional factors also affect your insurance premium. While the difference between cities is often minimal, some areas are considered higher risk due to a higher frequency of claims.
Our Methodology
To find the most cost-effective pet insurance options in Ohio, we thoroughly reviewed data from several providers. Additionally, our team, which has over 20 years of combined experience in the insurance field, offered valuable insights. It's important to note that while the rates provided in this guide are up-to-date, premiums can fluctuate daily depending on factors such as your pet's age and breed.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Do all licensed veterinarian take pet insurance in Ohio?
Every veterinary clinic in Ohio honors pet insurance, though pet owners must first pay the vet costs out of pocket and then file for reimbursement from their insurance company.
How much is pet insurance in Ohio?
As seen across the U.S., Ohio cat owners generally enjoy lower insurance premiums compared to dog owners. The average monthly cost for cat insurance is $27.56, while dog insurance usually costs $48.81.
Do I legally have to insure my pet in Ohio?
Getting pet insurance is a prudent choice for your pets, but in Ohio, there is no legal requirement to have insurance for your dog or cat.
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