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5 Best Pennsylvania Pet Insurance for Dogs & Cats (2024 Reviews)

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No pet parent wants to hear this, but pets are just as prone to illness and injury as their humans. Diseases and injuries that plague pets often require veterinary attention, which can rack up hefty bills. However, pet insurance is a tool that helps to prevent high out-of-pocket costs and ensure that pets can always receive the care that they need. If you are considering enrolling your furry friend in an insurance plan, this article may be able to help you get started.

Dog in Philadelphia
Puppy exploring Liberty Square in Philly :)

5 Top Dog & Cat Insurance Companies Compared for Pennsylvania

  • 1. Lemonade

    (Ranked the best overall)

    Why it’s great: Pet owners love Lemonade for its affordable prices and comprehensive coverage options, including numerous preventative care services. Lemonade stands out from other pet insurance carriers because of its state-of-the-art mobile app. This app allows customers to submit claims at their fingertips, making the process more convenient. Lastly, pet owners can save money by bundling their pet insurance policy with a renter’s or homeowner’s policy.

    Keep in mind: If your pet is older or has pre-existing conditions, Lemonade may require veterinary documentation that includes medical history and a recent physical before you can be enrolled in a policy.

    Good for: Dogs and cats of all breeds, especially those who are young and healthy. 

    Average price for DOGS in Pennsylvania: $24.42/month 

    Average price for CATS in Pennsylvania: $11.00/month


    Learn more at ➜

  • 2. Wagmo

    (Ranked the best for wellness)

    Why it’s great: Wagmo is a popular pet insurance carrier for numerous reasons. First, Wagmo will reimburse nearly 100% of veterinary fees once your deductible has been met. Second, if you are passionate about wellness, Wagmo also offers a variety of wellness care packages that can be added on to your policy. Next, pet owners can be reimbursed faster on Wagmo because funds can be dispersed through Venmo, direct deposit, or Paypal. Finally, pets can be seen by any licensed veterinarian.

    Keep in mind: Wagmo has a lifetime maximum benefit of $100,000.

    Good for: Pet owners who value wellness for a reasonable cost.  

    Average price for DOGS in Pennsylvania: $45.26/month 

    Average price for CATS in Pennsylvania: $27.48/month


    Learn more at ➜

  • 3. Figo

    (Ranked the best for cats)

    Why it’s great: Figo is among the best pet insurance carriers, particularly for cat owners. Not only does Figo offer some of the lowest monthly premiums for cats, they also offer 24/7 veterinary support in case of an emergency. Additionally, pet owners can add wellness packages to their basic policy. Finally, Figo does not impose a lifetime maximum benefit, which is especially ideal for cat owners, as cats can live long lives.

    Keep in mind: If you have a pre-existing pet condition, Figo will not provide coverage.

    Good for: Cat owners and pet parents who value access to veterinary support 24/7.  

    Average price for DOGS in Pennsylvania: $35.28/month 

    Average price for CATS in Pennsylvania: $17.80/month


    Learn more at ➜

  • 4. Pawp

    (Ranked the best for pets with pre-existing conditions)

    Why it’s great: With Pawp, you can receive veterinary coverage for up to 6 pets for as low as $24/month. Like Figo, Pawp also offers 24/7 telehealth services in case of an emergency. Pawp also offers packages with no deductibles or co-pays, which is a slam dunk for many pet owners. Finally, Pawp is one of few pet insurance carriers that will cover pre-existing conditions.

    Keep in mind: In terms of the 24/7 emergency services, Pawp will only cover visits that they deem to be emergencies. Therefore, it may not be good to utilize this service for a rash or bug bite.

    Good for: Older pets or those with any pre-existing conditions.  

    Price: $24/ month 


    Learn more at ➜

  • 5. Embrace

    (Rated the best established brand)

    Why it’s great: Many pet owners are drawn to Embrace because they do not impose a lifetime maximum benefit. Embrace also offers “diminishing deductibles,” which means that your deductible will automatically decrease each year that you do not file a reimbursement claim. Finally, Embrace is an excellent pet insurance option for pet parents who value alternative medicine, such as massage therapy and acupuncture.

    Keep in mind: Pets only up to age 14 are eligible, which means that it is important to enroll your pet in insurance as soon as possible before they reach this age.

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

    Average price for DOGS in Pennsylvania: $51.91/month 

    Average price for CATS in Pennsylvania: $30.31/month


    Learn more at ➜

Best Overall


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

Average price for DOGS in Pennsylvania: $24.42/month 

Average price for CATS in Pennsylvania: $11.00/month


Learn more at ➜

FAQs about Pet Insurance in Pennsylvania

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

    As you can tell from the descriptions of the five pet insurance carriers listed previously, coverage varies by provider. However, basic pet insurance policies usually cover any veterinary care that is required to treat sudden illnesses or injuries, which typically includes exams, imaging, surgeries, and hospital stays.

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

    Pet insurance in Pennsylvania costs anywhere from $16.10 to $48.62 per month for dogs (based on prices for a healthy 2-year-old located in the 15204 zip code). And anywhere from $15.07 to $18.78 per month for cats (based on prices for a healthy 2-year-old located in the 15204 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?

    Yes, most pet insurance providers will let you cancel your coverage at any time. However, it is usually a good idea to research your carrier’s cancellation policy, as some require a cancellation request in writing.

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

    While uncommon, there are pet insurance plans that will assist with covering the costs of neutering and spaying. Providers that offer coverage usually include this service as part of an add-on option.

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

    Unfortunately, the monthly cost of pet insurance policies tends to increase as your pet gets older. This is typically due to the increased risk of health problems that comes with older pets.

  • 6. Which companies cover pre-existing conditions?

    It is rare to find a pet insurance provider that will cover pre-existing conditions. However, there are a few that will, under certain circumstances. For example, Pawp will cover pre-existing conditions, regardless of what they are. Embrace also will provide coverage, but may require veterinary documentation first.

  • 7. Is pet insurance worth it in Pennsylvania?

    Pet insurance is definitely worth the investment in Pennsylvania. Pets can fall ill at any time, resulting in unexpected veterinary bills. Without insurance, emergency treatment by a vet can cost upwards of $15,000.


Finding a pet insurance provider that is right for you and your pet can be overwhelming. However, we hope that the carriers presented in this article helped begin your search and gave you an idea of what to consider when selecting a pet insurance plan.

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 15204 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
  • Lemonade = $20,000