Whether it’s sailing a boat in the Chesapeake Bay or walking the trails of the Blue Ridge Mountains, there are dozens of pet owners in Virginia who love spending time with their pets.
Very few of us can afford to max out our credit cards, drain our savings, or go into debt to pay for unexpected treatment for our beloved pets, but it could happen. That’s where getting a pet insurance plan in Virginia comes in. Having the right policy will give you peace of mind in knowing your pets’ medical needs are covered if the worst should happen.
We’ve gathered the best pet insurance plans in Virginia in this year. We will give you our top picks and reviews to help you make an informed decision.
Our best overall pick for pet insurance is Lemonade Pet Health Insurance. The company has an annual discount of 7% to 10% annually, depending on your chosen policy, and a 10% bundling discount if you’re a homeowner or renter with insurance through them. They also cover additional treatments if you have the preventative care add-on for pets under 2 years of age.
The company offers a $100 to $500 a year deductible and has reimbursement rates of 70%, 80%, or 90%. It also has a two-day waiting period for accidents, which is less than many pet insurance companies on the market today.
However, Lemonade requires medical records from a recent vet checkup, within the last 12 months, in order for your pet to be eligible for coverage. They also don’t cover dental issues and have higher-than-average customer complaints.
Pros
Two-day waiting period for accidents
Has an annual discount of seven to 10% depending on the policy
For the best value for your money, our number two spot goes to Spot Pet Insurance for its low annual coverages. Spot has an unlimited annual coverage option if you’re interested. The company offers accident-only plans and has a 24/7 telehealth line to answer any questions and concerns should your pet become injured or sick.
Deductibles are offered for $100, $250, $500, $750, and $1,000, with reimbursement options at 70%, 80%, and 90%. One of the things we like the most about Spot is that there’s no policy age limit for older animals, so even your senior pet is covered. Microchipping is also covered under their standard policy, unlike most insurers.
They don’t offer weekend customer service and don’t have as much experience as other insurance companies on our list. However, they are still a great option if you’re looking for pet insurance in Virginia.
Trupanion Pet Insurance has unlimited lifetime coverage for all pets and doesn’t automatically raise the premiums for your pet getting older. They also have per-condition deductibles, which is why they are at nine on our list. The deductibles range from 0$ to $1,000, as they can be decided on a by-the-condition basis. Reimbursement options are 90%.
One minor blip is they don’t cover exam fees, and some coverage is only available at higher prices. However, their customer service is said to be great, and they’re well-liked by most policyholders.
ASPCA Pet Health Insurance is a name that many pet owners have heard of over the years. The insurance company has a local vet finder tool to help its members find a vet in their area. They also have online resources that cover behavioral issues that most companies won’t cover. Not only does ASPCA offer policies for cats and dogs, but they also offer coverage for horses.
Deductible options are $100, $250, and $500, with reimbursement options of 70%, 80%, and 90% available also. ASPCA doesn’t require medical records to cover your pet and covers vet and exam fees also.
They have a cap on their coverage limit of $10,000, which some pet owners don’t like, and some customers have reported their customer service as lacking.
Healthy Paws Pet Insurance has a straightforward pet insurance plan featuring deductibles of $100, $250, $500, $750, and $1,000. Reimbursement options come in at 50%, 70%, 80%, and 90%, depending on the plan you choose. This company has lower monthly premiums than most competitors and has a 30-day money-back guarantee.
Healthy Paws also has more experience than many of the companies on our list, which gives customers great peace of mind. They offer 2-day processing in most cases and donate money to several non-profit organizations to help keep pets off the streets.
On the downside, Healthy Paws doesn’t have preventive care add-on options and requires a waiting period for hip dysplasia.
PAWP Online Vet Clinic isn’t a pet insurance company, but it made it onto this list because of how great the company is. They have no deductibles or copays and are a 24/7 online vet service. The plan costs $24 a month regardless of your pet’s age or health, and they will pay your vet directly if that’s what you choose to do. This is a great option for someone who can’t afford pet insurance but still needs to take their pet to a vet and not pay.
The clinic does require confirmation of eligibility with a representative before taking your pet to the vet and has no coverage for routine pet care. Also, as previously stated, it is not an insurance provider.
Nationwide Pet Insurance is also well-known in Virginia and other parts of the United States. They offer insurance for not only cats and dogs but also exotic pets. They also have discounts for multiple pets. Their deductible options are a little different than most. If you purchase your policy online, it’s a $250 deductible. For all other deductible options, you must call the company. Reimbursement options are 50% to 70% in most cases.
Nationwide has a whole pet plan that offers comprehensive coverage and has excellent customer service according to customers. The company doesn’t have any wellness coverage options, and as you can, their reimbursement options aren’t very generous. They also don’t cover spaying or neutering, which some companies on our list do.
Pet’s Best Pet Insurance gives you plenty of options to customize your plan and the option to purchase unlimited annual coverage. They reimburse the vet directly, which is much easier for some pet owners. The company has six annual deductible options, ranging from $50 to $1,000. Reimbursement options are 70%, 80%, and 90%.
Pet’s Best doesn’t cover holistic or herbal treatments, and their exam fees and therapies are only covered in the more expensive plans they offer. However, we recommend Pet’s Best Pet Insurance since it provides features that some of the other companies don’t offer.
Pros
Many options to customize plans
Unlimited annual coverage option
Reimburses vet directly
Cons
Holistic treatments not covered
Herbal treatments not covered
Exam fees and therapies only covered in more expensive plans
Petco Pet Insurance provides several deductible and reimbursement options. They cover many alternative therapies and offer accident and illness plans. If you have a senior pet, it might be the insurance company for you because they cover older pets.
There isn’t much information we can provide since you have to create an account with them to get specific details about the policies. The company is still pretty new and inexperienced, and several customers have reported that their app and customer service leave a lot to be desired.
Last but not least, at number 10 on our list is Figo Pet Insurance. Their deductible options range from $100 to $750, with reimbursement options 70%, 80%, 90%, or 100%. Figo has unlimited annual coverage available and no upper age limit for the pets they are willing to cover.
However, they don’t off any accident-only plans, and the customer service is said to be lacking. However, with 100% reimbursement options available, we felt it was wise to put this one on the list.
Pros
No upper age limit
Unlimited annual coverage is available
Has 100% reimbursement options
Cons
No accident-only plan
Customer service is said to be lacking
Buyer’s Guide: Choosing the Right Pet Insurance Provider in Virginia
What to Look for in Pet Insurance in Virginia
When shopping for pet insurance in Virginia, there’s so much to look for. You need to check the policy coverage, customer service and reputation, plan customization, payment options, and more. Below, we’ll discuss a bit more on what to look for in Virginia’s pet insurance providers.
Photo Credit: Ekaterina_Minaeva, Shutterstock
Policy Coverage
The policy coverage offered is the most significant factor you should be concerned about. Most of the providers on our list offer a wide range of coverage at good prices. However, it is possible that you can find a cheaper pet insurance provider that isn’t on the list. However, make sure that you weigh the pros and cons of each carefully before making a final decision.
Customer Service & Reputation
The pet insurance industry hasn’t been around that long, and researching the companies’ customer service and reputation isn’t easy. There’s not as much to find unlike health insurance companies.
We factored reputation into our rankings, as new companies are cropping up every day. Customer service is also essential because you don’t file a claim and wait for weeks for a response from the insurer.
Claim Repayment
We didn’t include any companies in our list that have a reputation for not paying claims, though we can’t guarantee that every company provides prompt reimbursement.
The insurers have different times for claim repayment payouts; some pay almost instantly, while others take days, even weeks.
Photo Credit: Drazen Zigic, Shutterstock
Price Of Policy
Of course, the price of pet insurance policies will differ with every pet insurer. On our list, the highest ranking might not be the one that’s the cheapest; it’s just the company we feel offers the most for what you’re spending.
While the cheaper the policy, the better it is for your bank account, it’s crucial to take into consideration what you’re getting for that price. If you can get a better policy for a bit more money and can afford it, then that’s probably the best way to go.
Plan Customization
While it may be nice to customize the insurance plan for your pet, it’s not the most important thing to consider, in our opinion. This is especially true if other providers will provide the services you need but have no customization options. However, there are a few on our list that provide plan customization.
FAQ: Best Pet Insurance in Virginia
Which Pet Insurance Provider has the Best Customer Reviews?
It depends on where you look and how accurate the reviews are. Off-site reviews are typically the most helpful since they’re not filtered for bad reviews like the company sites.
Image Credit: Rawpixel.com, Shutterstock
What Is the Best and Most Affordable Pet Insurance?
We think Spot has affordable policies for the coverage, but you may want to pay more for additional services and treatments. The policies that cover fewer veterinary procedures are typically the cheapest, and the high-end plans provide the most coverage.
What the Users Say
All in all, we found nothing but good reviews for most of the pet insurers on our list. Some customers complained about the customer service of their insurers, and others were disappointed when their rates unexpectedly increased.
Image Credit: Rawpixel.com, Shutterstock
Which Pet Insurance Provider in Virginia Is Best For You?
The ideal insurer will provide adequate coverage for your pet at affordable prices. If you have a young pet, you may be limited to companies that do not have lower age limits. However, you may not have to spend as much if you purchase a limited policy when your pet is relatively healthy.
For senior pets, the coverage options are limited because several insurers will not cover older animals. Spot is an excellent choice for owners of senior pets because they do not have an age limit for enrollment.
Our Pet Insurance Provider in Virginia Selection Process
When it comes to selecting products, Hepper has a committed team of writers and editors who work closely with licensed veterinarians to find the very best in today’s market. Together, they consider customer feedback, brand reputation, veterinary expertise, and whenever possible, hands-on testing. We aim to select and review the highest-quality products to help you make informed choices that meet both your and your pet’s needs.
Why Trust Hepper?
Since 2007, Hepper has been a trusted and growing online brand and resource with the edge of creating and retailing our own line of cat furniture, toys, and gear, and pet consumables, giving us valuable insights into how to choose pet insurance providers. Our driven team of pet-loving writers, editors, and veterinarians is dedicated to empowering our readers to make the best decisions for their animal companions. Our priority lies in providing top-notch information and recommendations. Our team is genuinely invested in the health and well-being of all pets worldwide, believing that expert knowledge is crucial for achieving this goal.
Conclusion
Choosing the ideal pet insurance company in Virginia can seem impossible if you are on a budget. Luckily, our list has something for everyone, even if your budget for insurance is almost nonexistent.
While the companies we reviewed are not the only ones available in Virginia, we did our due diligence, and these are the best, in our opinion. We hope this list helps you find the best insurance in Virginia for your feline and canine friends so that they can be healthy and happy for many years to come.
Patricia is a pet and coffee writer and a published author under the pen name Skylar McKinzie. When she isn’t writing, Patricia enjoys spending time with her two cats and dog. Since she was a young child, she has been a pet lover and enjoys nothing more than cuddling with her pets, Mystery, and her two cats, Binx and Link. Mystery has been with her family since the day she was born, as has Link. Binx was found under the house as a kitten, taken inside, and has been a part of the family ever since. Patricia loves sharing her knowledge of animals and finds joy in helping out at the local rescue shelter whenever she can.
We apologize for the inconvenience of this extra signup step. However, bots were subscribing to our list in huge numbers, so we had to add this extra step.
Buyer’s Guide: Choosing the Right Pet Insurance Provider in Virginia
Buyer’s Guide
