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

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Dedicated pet parents know that emergencies will inevitably strike sometime during their cats’ and dogs’ lives. Since they wish to enjoy long and healthy lives with their four-legged friends, they often seek pet insurance to safeguard against the high costs of urgent care. Insurance gives pet owners important financial support that helps guarantee their little pals have access to any necessary procedure or treatment, regardless of price. To help you along in the process, we are here to share the 6 best pet insurance companies for Virginia residents.

Dog in mountains of virginia
Found a cozy spot in Grayson Highlands State Park :)

6 Top Virginia Pet Insurance for Dogs & Cats

  • 1. Lemonade

    (Best overall)

    Why it’s great: Lemonade tops the charts for the best overall pet insurance provider with a wide range of benefits. Between their affordable rates, extensive illness and accident coverage and wellness packages, pet parents can rest assured their cats and dogs will be able to get whatever care they need when they need it. Lemonade also has a straightforward claims filing process available on their top-rated mobile app. Customers can bundle their pets’ policy with homeowners’ or renters’ insurance to receive a discount.

    Keep in mind: If your pet has pre-existing conditions, you will most likely need to submit veterinary documentation that details their medical history.

    Good for: Almost all dogs and cats, particularly the young and healthy.

    Average price for DOGS in Virginia: $30.92/month

    Average price for CATS in Virginia: $13.25/month


    Learn more at ➜

  • 2. Wagmo

    (Best for wellness)

    Why it’s great: Pet parents will enjoy Wagmo’s super-fast reimbursement process, which is done via direct deposit, PayPal or Venmo. After customers meet their annual deductible, Wagmo will reimburse as much as 100% of veterinary fees for the rest of the year. If you insure multiple pets or renew your policy without claims in the previous year, you will be eligible for a discount. They also allow pet owners the freedom of choice when it comes to veterinarians.

    Keep in mind: Coverage ends once your pet has used $100,000 in lifetime benefits.

    Good for: Pet parents who want a solid wellness and emergency care mix.

    Average price for DOGS in Virginia: $41.04/month

    Average price for CATS in Virginia: $25.03/month


    Learn more at ➜

  • 3. Figo

    (Best for cats)

    Why it’s great: Figo insures both cats and dogs, but they have the most affordable monthly premiums for felines. Pet parents will be pleased to know that they can access live 24/7 veterinary support through the mobile app. Figo also has several wellness package add-ons to choose from, including an option that pays for up to $250 of prescription food if your vet deems it necessary.

    Keep in mind: Figo does not cover pre-existing conditions.

    Good for: Cat parents, along with pet owners who wish to have 24/7
    telehealth services covered.

    Average price for DOGS in Virginia: $44.19/month

    Average price for CATS in Virginia: $22.30/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 and breed within a household for a monthly flat fee of $24. Pet parents will get 24/7 telehealth services and consultations with pet experts. Pawp’s coverage is structured differently from conventional pet insurance, which means they do not require copays, deductibles or credit checks. They also give freedom of choice when it comes to selecting veterinarians. An added bonus of Pawp’s services is that they guarantee pet parents will leave the vet clinic with their bills paid in full, thereby eliminating the inconveniences of the claims process.

    Keep in mind: Pawp only covers emergencies as qualified by their virtual veterinary team. The emergency fund will reimburse only for one of your pets’ care for a single vet bill under $3,000 once per year.

    Good for: Older pets or those with pre-existing conditions. A great
    supplement for a traditional pet insurance plan.

    Price: $24/month


    Learn more at ➜

  • 5. Embrace

    (Best established brand)

    Why it’s great: Embrace has become an established brand because of their dynamic offerings. They give discounts for those with multiple pets, unlimited lifetime benefits and diminishing deductibles. As a result, pet owners’ deductibles will drop by $50 as long as they have no claim reimbursements in the previous year. That said, one of their most unique perks is their wellness plan, which covers alternative veterinary treatments such as reiki, massage therapy, acupuncture and chiropractic.

    Keep in mind: Total combined claims for the wellness plan is $650, amounting to approximately $25 in savings each year. Embrace does not refund any unused funds within a wellness plan at the end of the policy year.

    Good for: Pet parents who value new age, alternative veterinary care.

    Average price for DOGS in Virginia: $61.83/month

    Average price for CATS in Virginia: $36.11/month


    Learn more at ➜

  • 6. Eusoh

    (Best pet healthshare community)

    Why it’s great: Eusoh offers an alternative type of protection to that of pet insurance companies. They feature community healthcare sharing plans that save their members up to 50% compared to conventional pet insurance policies. Members are reimbursed for illness, accident, and routine care expenses, and they are free to choose their pets’ veterinarians. Televet services via Eusoh’s partner FirstVet are available.

    Keep in mind: Eusoh is not a pet insurance company. Instead, they are a health plan-sharing community that reimburses up to 80% of vet fees and a maximum of $8,500 each year.

    Good for: Those that prefer healthshare communities.

    Average price for DOGS in Virginia: $62.58/month

    Average price for CATS in Virginia: $40.94/month


    Learn more at ➜

Best Overall


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

Average price for DOGS in Virginia: $30.92/month

Average price for CATS in Virginia: $13.25/month


Learn more at ➜

FAQs about Pet Insurance in Virginia

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

    While coverage varies between companies, you can expect that any accidents or ailments considered sudden and catastrophic will be covered. Covered care includes exams, tests, other diagnostics, emergency treatments, surgery, and medications.

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

    Pet insurance in Virginia costs anywhere from $20.19 to $60.93 per month for dogs (based on prices for a healthy 2-year-old located in the 23222 zip code). And anywhere from $18.88 to $23.52 per month for cats (based on prices for a healthy 2-year-old located in the 23222 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?

    In general, most companies permit cancellation at any time if done in writing. Nevertheless, it is always good to check with your insurance provider to clarify the appropriate procedures. Keep in mind that any illnesses your pet is diagnosed with before cancellation may be listed as a pre-existing condition and excluded from coverage should you choose to reinstate your pet insurance in the future.

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

    Virginia pet insurance companies do not cover spaying and neutering. Of course, some providers, like Embrace, have wellness packages that will reimburse for such procedures.

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

    Your monthly premiums will increase as your pet gets older, particularly when they reach 4 to 5 years. The rise in rates helps pet insurance companies offset the increased risk that your pet will get ill or have an accident as they age.

  • 6. Which companies cover pre-existing conditions?

    Pawp ranks best for pre-existing condition coverage since their emergency fund protects up to 6 pets of any age, breed or medical history for only $24 per month. Embrace also has policy terms that allow some ‘curable’ pre-existing conditions to be covered. We suggest reaching out to these companies to further explore their offerings and exclusions. Be aware that most pet insurance companies do not cover pre-existing conditions under any circumstance. The upshot is that any such condition will not jeopardize a cat’s and dog’s eligibility for coverage.

  • 7. Is pet insurance worth it in Virginia?

    Pet insurance is worth it for Virginia residents since all pets experience veterinary emergencies at some point in their lives. Treatments for a life-threatening disease such as cancer can cost up to $10,000 and cataract surgery $4,000. Pet insurance helps ease the financial strain of such urgent situations and makes the best care accessible for your dog or cat.


We hope this article helps simplify your search for the right pet insurance policy for your dog or cat. We recommend taking plenty of time to explore these companies and their terms further before applying for coverage. Purchasing the best Virginia pet insurance plan can protect your best pal for both emergency and wellness-related care so they can live a long and fun-filled life with you.

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 23222 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