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6 Best Ohio Pet Insurance for Dogs & Cats (2024 Reviews)

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Pet parents looking to ensure the well-being of their dogs and cats, in the long run, know that pet insurance can provide the extra support they need. While your pet may be healthy now, veterinary emergencies can occur at any time. Pet insurance helps alleviate the financial stress of such emotionally challenging incidents. Below we share the 6 best pet insurance companies for Ohio residents, so your best pal will be able to get the best care possible when they need it most.

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Goldendoodle enjoying Cuyahoga Valley National Park!

6 Top Dog & Cat Insurance Companies Compared for Ohio

  • 1. Lemonade

    (Best overall)

    Why it’s great: Lemonade ranks best overall for many reasons, including
    multiple wellness care add-ons, affordable rates, and extensive selection of accident and illness. They also have a 2-day accident waiting period, which is extremely short, considering most companies require 14-60 day waiting periods. What’s more, Lemonade’s mobile app features an easy-to-use claim filing system. Bundle your pet insurance with renters or homeowners insurance for an extra discount.

    Keep in mind: If your pet is older or has pre-existing conditions, you may need to submit documentation from your veterinarian attesting to your dog or cat’s medical history.

    Good for: Almost all dogs and cats, especially those that are young and healthy. 

    Average price for DOGS in Ohio: $25.83/month 

    Average price for CATS in Ohio: $11.17/month


    Learn more at ➜

  • 2. Wagmo

    (Best for wellness)

    Why it’s great: One of Wagmo’s most appealing qualities is their speedy claims reimbursement via direct deposit, PayPal or Venmo. They also reimburse as much as 100% of vet fees once you meet your annual deductible and allow you to choose which veterinarian treats your pet. Lastly, they offer discounts for those who insure multiple pets or renew without claims in the previous year.

    Keep in mind: Maximum lifetime benefits top out at $100,000, after which coverage ceases.

    Good for: Pet parents who desire a balanced combination of wellness and emergency care coverage.  

    Average price for DOGS in Ohio: $51.10/month 

    Average price for CATS in Ohio: $30.35/month


    Learn more at ➜

  • 3. Figo

    (Best for cats)

    Why it’s great: Cat parents will be thrilled to know that Figo has some of the most affordable monthly premiums for felines. That said, Figo provides coverage for dogs as well. One benefit of their insurance is their live, 24/7 veterinary consultations via their mobile app. They also have several wellness package add-ons, one of which covers up to $250 in prescription food. Better yet, all of their plans have unlimited lifetime benefits, thereby providing emergency coverage for your pet regardless of how expensive necessary care becomes.

    Keep in mind: Pre-existing conditions are not covered.

    Good for: Cat parents and pet owners who value 24/7 telehealth services
    and want it covered by their policy.  

    Average price for DOGS in Ohio: $32.39/month 

    Average price for CATS in Ohio: $16.35/month


    Learn more at ➜

  • 4. Pawp

    (Best for pre-existing conditions)

    Why it’s great: Pawp’s emergency fund protects as many as 6 pets of any age, breed or health condition within a household for only $24/month. Also included in that flat monthly fee is unlimited 24/7 telehealth services and pet expert consultations. Some of Pawp’s most appealing perks are no copays, deductibles or credit checks. Moreover, pet parents will love that they can take their pet to the vet of their choice, and Pawp will pay their bill in full before they leave the clinic.

    Keep in mind: Pawp only covers emergency care as approved by their virtual team of veterinarians. Furthermore, the emergency fund only covers one pet from your household for a single vet bill under $3,000 each year.

    Good for: Pets that are older or have pre-existing conditions. An excellent supplement for a typical pet insurance policy.  

    Price: $24/month 


    Learn more at ➜

  • 5. Embrace

    (Best established brand)

    Why it’s great: Embrace offers pet parents discounts for multiple pets and no maximum lifetime benefits. However, they also provide “diminishing deductibles,” which means your deductible automatically drops by $50 each year that you have no claim reimbursements. However, their most unique benefit is their wellness plan covering alternative veterinary care such as reiki, chiropractic, acupuncture and massage therapy.

    Keep in mind: The maximum combined claims total for the wellness plan
    is $650 per year, and the estimated annual savings is approximately $25. Embrace does not refund any unused wellness plan funds at the end of each year.

    Good for: Pet parents interested in new age, alternative veterinary care.  

    Average price for DOGS in Ohio: $44.69/month 

    Average price for CATS in Ohio: $26.10/month


    Learn more at ➜

  • 6. Eusoh

    (Best pet healthshare community)

    Why it’s great: Eusoh is not a pet insurance company. Instead, they provide their members with community health sharing plans that can save them up to 50% compared to traditional insurance policies. Pet parents are reimbursed for routine, illness and accident-related care. A couple other benefits pet parents will appreciate are televet services via Eusoh’s partner FirstVet and the freedom to choose your vet.

    Keep in mind: Eusoh is not an insurance company but rather an
    expense-sharing community. Their per member maximum reimbursement amount per year is $8,500, and their highest rate of reimbursement is 80%.

    Good for: Pet parents that prefer healthshare communities. 

    Average price for DOGS in Ohio: $62.58/month 

    Average price for CATS in Ohio: $40.94/month


    Learn more at ➜

Best Overall


Lemonade is our overall top recommendation. It’s the most comprehensive pet insurance provider in Ohio and they also offer the best value.

Average price for DOGS in Ohio: $25.83/month 

Average price for CATS in Ohio: $11.17/month


Learn more at ➜

FAQs about Pet Insurance in Ohio

  • 1. What does pet insurance typically cover for dogs and cats?

    No one insurance company’s benefits are the same. That said, you can expect that any care related to a sudden and catastrophic illness or accident will be covered. Covered aspects of veterinary care include exams, tests, other diagnostic procedures, emergency treatment, surgery and medications.

  • 2. How much does pet insurance cost in Ohio?

    Pet insurance in Ohio costs anywhere from $14.79 to $44.67 per month for dogs (based on prices for a healthy 2-year-old located in the 43054 zip code). And anywhere from $13.83 to $17.24 per month for cats (based on prices for a healthy 2-year-old located in the 44106 zip code). Prices can vary greatly depending on your zip code, the breed of your pet, its age, and medical history.

    We recommend getting a quote from Lemonade who we’ve seen consistently offer the lowest prices and best coverage out of any other provider.

  • 3. Can I cancel my dog or cat insurance plan after I make a claim?

    Pet insurance companies usually allow for cancellation at any time. However, you may need to notify them in writing. It is always good to contact your provider to determine their specific requirements. It is worth noting that any health issue your pet is diagnosed with before canceling may be listed as a pre-existing condition and excluded from coverage should you decide to purchase pet insurance again in the future.

  • 4. Do Ohio pet insurance companies cover spaying and neutering?

    Ohio pet insurance companies do not provide coverage for spaying or neutering. Nevertheless, some companies such as Embrace have optional wellness packages that cover the costs of these procedures.

  • 5. Does the cost of insurance increase as my pet ages?

    Monthly premiums will increase as your pet ages, and the increases will be more significant once your cat or dog reaches 4 to 5 years old. Insurance companies increase monthly premiums to help counter the increased risk that your pet will fall ill or develop a condition as they grow older.

  • 6. Which companies cover pre-existing conditions?

    Pawp is the best pet insurance company when it comes to covering pre-existing conditions, especially in emergencies. However, Embrace occasionally covers treatment for pre-existing conditions considered to be curable. Be sure to check with both of these companies for more information before buying a policy. Keep in mind that most pet insurance companies do not cover pre-existing conditions at all. However, the good news is that pets with pre-existing conditions are eligible for coverage.

  • 7. Is pet insurance worth it in Ohio?

    Since most animals experience emergencies at some point in their lives and urgent veterinary care is costly, Ohio residents will find pet insurance beneficial. For example, cataract surgery can cost as much as $4,000 and treatments for cancer $10,000. Pet insurance can help ease the financial strain so your best buddy can get vital care.


We hope this article simplifies your search for the right pet insurance provider for your beloved dog or cat. We encourage you to take extra time to consider further the offerings of the companies discussed above before getting a policy put in place. Choosing the best Ohio pet insurance policy will protect your little pal for both emergency and routine care, allowing you to share a long, fun and healthy life together.

In our experience, after careful review, we’ve consistently seen Lemonade has the best combination of coverage and price.

Note: Our prices listed above are accurate in January 2022 and may change at any time. Please get a quote for your pet on one of the recommended websites for the most accurate monthly costs. These prices are based on a Labrador Retriever dog and American Shorthair cat located in the 43054 zipcode. We chose a $500 deductible and 90% reimbursement amount for each policy we reviewed (except for Pawp). The annual benefit amount we selected for each provider is as follows:

  • Wagmo = $20,000
  • Figo = $5,000
  • Pawp = $3,000
  • Embrace = $5,000
  • Eusoh = $8,500
  • Lemonade = $20,000