Get the Best Pet Insurance in Ohio in 2024

Sponsored by Figo Pet Insurance

If you’re a pet parent in Ohio, trying to find the best pet insurance policy can be tricky. With each provider offering different levels of coverage, deductibles, and extras, it’s tough to figure out which one truly meets your pet’s needs without overcomplicating things or pushing your budget to its limit.

In this guide, we’ll make things easier by breaking down pet insurance in Ohio. We’ll discuss the variety of coverage options, expected costs, and some of the common health issues pets face in the Buckeye State. By the end, you’ll feel prepared to choose a plan that provides great care and peace of mind.

Summary: Best Ohio Pet Insurance Ratings

AKC Pet Insurance

Best for pets with pre-existing conditions

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

ASPCA Pet Insurance

Best for wide-ranging coverage

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Embrace

Best for flexible policy options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Felix

Best for cats

Max Annual Coverage

$15,000

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Figo

Best for reimbursement options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$750

Pets Best

Best for senior pets

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$50-$1,000

Pumpkin

Best for puppies and kittens

Max Annual Coverage

Unlimited

Reimbursement Choices

90%

Deductible

$100-$1,000

Spot

Best for straightforward waiting periods

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Comparison information is provided using publicly available information as of 9/30/2024 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing info@petplace.com.

How Much Does Pet Insurance Cost in Ohio?

According to our research, Ohio pet insurance costs an average of $32 per month. This gets you a plan with $5,000 in annual coverage, a $250 deductible, and an 80% reimbursement level. For unlimited annual coverage with the same deductible and reimbursement rate, it's $52 a month.

We calculated these figures by averaging the monthly costs from eight major pet insurance providers. To estimate typical expenses, we gathered quotes for a three-year-old, medium-sized, mixed-breed dog in two Ohio cities: Columbus, a major urban center, and Mansfield, an average-sized city for the state.

It's important to note that your own Ohio pet insurance cost will depend on factors such as:

• Annual limit, deductible, and reimbursement level. These are the three primary components that determine your monthly premium. The annual limit is the maximum amount the policy will pay out in a year. The deductible is the amount you pay out-of-pocket before the insurance starts to cover costs. The reimbursement level is the percentage of the covered costs the insurance pays after the deductible. Generally, the higher the annual limit and reimbursement level, the more expensive the policy will be.
• Breed and gender. Some breeds are more prone to certain health conditions than others, which can impact the cost of insurance. Additionally, some insurers may charge different rates based on the gender of your pet.
• Your location. Where you live can affect the cost of pet insurance. Urban areas tend to have higher premiums due to the higher cost of veterinary care in cities.
• Your pet’s age. Just like with human insurance, the younger your pet is when you enroll them in a policy, the lower the premium will be. As they age, premiums may increase.

Additionally, there are other factors that can affect the cost of pet insurance, such as pre-existing conditions, your pet’s lifestyle, and whether you choose to add on any optional coverage. That's why it's vital to compare pet insurance plans carefully and choose a policy that suits your budget and your pet's individual needs.

Cost of Pet Insurance for Dogs in Ohio

Per our research, the average cost of pet insurance for a medium-sized mixed breed dog in Ohio is $32 per month*. This is based on a policy with $5,000 of annual pet insurance coverage, a $250 deductible, and an 80% reimbursement level. A policy offering unlimited annual coverage, with a deductible of $250 and an 80% reimbursement rate, costs $52 monthly.

Cost of Pet Insurance in Ohio by Dog Breed

According to the American Kennel Club (AKC), the three most popular dog breeds of 2023 in the U.S. were the French Bulldog, Labrador Retriever, and Golden Retriever. Here are the monthly pet insurance rates you can expect to pay for these breeds in Ohio:

Cost of Pet Insurance for Cats in Ohio

Pet insurance for cats is significantly cheaper than dog insurance in Ohio. The average monthly cost for cat insurance in the state ranges from $15 to $33, depending on factors such as age, annual coverage, breed, deductible, plan type, and reimbursement amount**.

Cost of Pet Insurance in Ohio by Cat Breed

In 2023, the three most popular cat breeds in the U.S. were the Ragdoll, Maine Coon Cat, and Persian, according to the Cat Fanciers' Association (CFA). Based on our analysis of Ohio pet insurance, here are the average monthly rates for these breeds:

Cost Comparison for Pet Insurance Companies in Ohio

Types of Pet Insurance Plans

Pet insurance companies offer policies that cover a wide range of issues, from accidents and illnesses to routine care. Here's an overview of the most common types of pet insurance plans:

Accident and Illness

Typically, this type of policy covers unexpected accidents and illnesses, such as broken bones, cancer, and infections. It generally includes diagnostic tests, x-rays, ultrasounds, exam fees, hospital stays, surgeries, and prescription medications.

Coverage may also extend to treatments like prosthetic devices, mobility aids, and, in some cases, alternative therapies such as acupuncture or chiropractic care. Coverage for behavioral issues and insurance for senior dogs and senior cats can vary between providers and might not always be included in the base plan, requiring add-ons or separate policies.

Accident Only

Accident-only pet insurance policies are typically the most affordable plans available, covering injuries from accidents like cuts, broken bones, and sprains. This includes vet exams, diagnostic testing (x-rays, MRIs, ultrasounds), hospitalization (surgery and treatment), medications, and rehabilitation.

Wellness and Routine Care

Wellness and routine care plans help manage and offset the cost of preventive care to keep your pet healthy. These policies generally cover routine check-ups, vaccinations, dental cleanings, microchipping, deworming, spay/neuter surgeries, and flea and tick prevention. This type of coverage is often available as an optional add-on to an accident and illness policy.

Pre-Existing Conditions

Pet insurance providers traditionally do not cover pre-existing conditions, making this an essential factor for pet owners to consider when choosing a policy. A pre-existing condition is any health issue that your pet was diagnosed with or showed symptoms of before the start date of the insurance policy or during the waiting period.

However, some insurance companies distinguish between curable and incurable pre-existing conditions. For curable conditions, if your pet has been symptom-free and has not required treatment for a specific period – typically for 6 to 12 months before the policy start date – these conditions might then be eligible for coverage. In contrast, incurable conditions, such as chronic diseases or ongoing illnesses, are generally not covered at any point.

Review your sample policy from your provider for a full list of condition coverage and exclusions.

Reimbursement

Reimbursement rates dictate the percentage of the vet bill that will be paid back to you after you've met your deductible. Common reimbursement levels offered by pet insurance companies range from 70% to 90%. Keep in mind that higher reimbursement rates typically result in higher monthly premiums, so you'll need to find the right balance that works for your budget and needs.

Waiting periods are another vital component of pet insurance policies. They refer to the time between the start date of your policy and when coverage actually begins. Most pet insurance plans have a waiting period for both accidents and illnesses, which can range from a few days to several months.

Accidents usually have a shorter waiting period, often starting within 48 to 72 hours after the policy begins, while waiting periods for illnesses might last anywhere from 14 to 30 days or more. It's vital to note these periods because no claims can be made for accidents or illnesses that occur during the waiting period.

How to Find the Best Pet Insurance in Ohio

Ohio offers a mix of urban, rural, and natural settings, but these environments come with unique risks for pets. The state's hot, humid summers increase the chances of heatstroke and dehydration, particularly for active pets or those with thicker coats. Ohio also experiences tornadoes and thunderstorms, which can cause anxiety and stress in pets.

Ticks are a concern in Ohio's wooded areas, especially near the Appalachian foothills, as they can spread Lyme disease and other tick-borne illnesses. In the winter, road salt and freezing temperatures pose hazards for pets, particularly those with sensitive paws or respiratory conditions.

Additionally, wildlife encounters with animals like coyotes and skunks can lead to injuries or illness, especially in rural parts of the state. Harmful algal blooms in Ohio’s lakes, such as those in Lake Erie, are another issue that can affect pets that swim or drink from these bodies of water.

When selecting pet insurance in Ohio, make sure the plan covers a range of risks. The most comprehensive coverage that includes protection for seasonal hazards, wildlife-related incidents, and common health issues in the state is essential for year-round care. Be sure to review coverage options, deductibles, and any exclusions to find the best fit for your pet.

Here are some important features to keep in mind when selecting the best pet insurance plan in the Buckeye State:

• 24/7 vet helpline. Access to a 24-hour veterinary helpline for immediate advice on emergency care or general health questions can be incredibly valuable. This is especially important in a state like Ohio, where weather and environmental hazards can pose risks to pets.
• Direct vet payments. Some insurance providers offer the option to pay your vet bills directly, so you don't have to pay out of pocket and wait for reimbursement.
• Wellness and routine care coverage. Choosing a policy that offers wellness and routine care coverage can help offset the costs of preventive care.
• Waiting periods. Consider the waiting periods for accidents and illnesses to ensure you understand when coverage will begin.
• Vet exam fees coverage. While veterinary costs in Ohio may be lower than in some other states, having coverage for exam fees can lead to significant long-term savings.
• Multi-pet discount. If you have multiple pets, look for providers that offer discounts for insuring more than one pet.

Ohio Pet Laws

Ohio, with its vibrant cities and rural areas, has comprehensive pet laws that protect pets and ensure public safety. Whether in urban or rural settings, here are some important regulations Ohio pet owners need to know:

• Dog registrations laws. In Ohio, all dogs must be registered once they reach three months of age. Dog owners must renew this registration annually by January 31 to ensure their pets are properly accounted for. Failure to register a dog can result in fines, and unregistered dogs may be impounded.
• Dog at-large laws. Ohio law requires dogs to be kept under control at all times. If a dog is found running at large, it may be impounded by local authorities, and the owner could face fines or penalties.
• Dangerous dog regulations. Ohio defines a dangerous dog as one that has caused injury or killed another dog. Owners of dangerous dogs must follow strict guidelines, including having the dog neutered, microchipped, and confined securely.
• Barking dog regulations. Municipalities in Ohio can enforce regulations against excessive barking. Dogs deemed to be a nuisance due to constant barking may require intervention, and owners could face fines.
• Animal cruelty laws. Ohio law prohibits cruelty to animals, including acts such as physical abuse, deprivation of food or water, and failure to provide shelter. Violations can lead to both misdemeanor and felony charges depending on the severity of the offense.

Columbus Pet Laws

Columbus, the capital city of Ohio, has established a set of pet laws to ensure animal welfare and public safety. Here are some important pet laws to remember in this vibrant Midwestern city:

• Licensing requirements. All dogs over three months of age in Franklin County (which includes Columbus) must be licensed. Licenses can be obtained through the Franklin County Auditor's office, online, or at select Pet Supplies Plus locations. The license must be renewed annually.
• Rabies vaccination. All dogs in Franklin County over three months of age must be currently immunized against rabies by a licensed veterinarian. This is a requirement of the Franklin County Board of Health.
• Dog confinement. All dogs, no matter their age, must always be kept on the owner's property. You can confine them using a fence, tether, dog pen, inside a house or garage, or by keeping them under close supervision.
• Leash law. When walking a dog off the owner's property, the owner must maintain reasonable control over the dog on a leash to prevent it from running away.
• Tethering animals. In Columbus, animals can be tethered for up to six hours daily, with a one-hour break, and not between 10:00 p.m. and 6:00 a.m. Avoid tethering during extreme weather alerts. Tethers must be at least 20 feet long, prevent entanglement, and not use restrictive collars. Basic needs must be met, and a caretaker must be present.

Cleveland Pet Laws

Cleveland, known as the Forest City, has established a set of animal ordinances to ensure public safety and promote responsible pet ownership. Here are some key laws to keep in mind when living in this lively city on Lake Erie:

• Dog licensing. All dogs over three months old must be registered annually, except for guide dogs and those kept by institutions for teaching or research. The license tag must be attached to the dog's collar and worn at all times. If a dog doesn't wear a valid tag, it may be impounded.
• Unmuzzled dogs at large. Unmuzzled dogs are not allowed on public properties unless securely leashed by the owner or a responsible person. Exceptions apply when the dog is legally trained for hunting, herding, ability, or competitions, and is accompanied by a handler.
• Disposal of dog waste. When walking a dog in public areas or on someone else's property, pet owners must have materials to clean up after their dog, and any waste should be picked up right away. Exceptions are made for disabled persons with guide dogs and officers with police dogs. Violating these rules can result in a minor misdemeanor and a citation.
• Tethering restrictions. In Cleveland, tethering an animal is prohibited for more than six hours in a 24-hour period, with no more than two consecutive hours without at least a one-hour break. Tethering is also not allowed between 10:00 p.m. and 6:00 a.m., during extreme weather advisories, or if the tether does not meet specific safety and length requirements.

Cincinnati Pet Laws

Cincinnati's pet laws balance animal welfare with urban living. Whether you're downtown or in the suburbs, these rules help keep pets and people safe. Here's what Queen City pet owners should know:

• Licensing. All dogs in Cincinnati must be licensed through the Hamilton County Dog License Program. Licenses need to be renewed annually by January 31, with the fee doubling after the deadline. Three-year and permanent dog licenses are also available.
• Tethering restrictions. Cincinnati has specific rules about tethering dogs. A dog cannot be tethered between 10 PM and 6 AM, when the owner is not home, or for more than six hours in a 24-hour period. In extreme weather (above 90°F or below 20°F), dogs must not be kept outside for more than an hour.
• Excessive barking. The city prohibits keeping a dog that causes a disturbance due to loud and frequent barking or yelping, which may result in complaints and intervention by local authorities.
• Animal cruelty. Cincinnati takes animal cruelty seriously. Pet owners are required to provide adequate food, water, and shelter, and violations can result in fines or further legal action.

Common Pet Risks in Ohio

Ohio’s varied geography, from busy cities to wooded areas and rural fields, brings a range of risks for pets. Whether you're walking through city streets or exploring nature, Ohio pet parents face unique challenges throughout the year.

• Tick-borne diseases. Ohio has a growing population of ticks, including black-legged ticks that transmit Lyme disease. Dogs can also be infected by Rocky Mountain spotted fever and anaplasmosis. Regular tick checks and preventive measures are essential to keep pets safe.
• Harmful algal blooms (HABs). Ohio's lakes and rivers, especially in warm months, often experience HABs that can be toxic to pets. Dogs exposed to these blooms, typically by swimming or drinking affected water, may suffer from vomiting, diarrhea, or even liver failure. It's critical to keep pets away from water bodies during bloom advisories.
• Wildlife encounters. In Ohio, pets may encounter wildlife like coyotes, raccoons, and black bears. These interactions can lead to injuries or transmit diseases such as rabies, so keeping pets supervised is important.
• Weather extremes. Ohio’s humid summers can put pets at risk for heatstroke, while cold winters pose dangers like frostbite and hypothermia. It's essential to monitor pets closely and provide proper shelter, especially during temperature extremes.
• Tornadoes and thunderstorms. Ohio is prone to severe weather, including tornadoes and strong storms. Pets may experience anxiety or panic during these events, leading to stress-related health issues. Calming strategies, like creating a safe indoor space, can help reduce their distress.

Veterinary Costs in Ohio

According to Banfield Pet Hospital's Price Estimator, the average cost for a vet visit in Ohio is $68. However, costs will be higher for emergency care or specialized treatments. Here's an overview of vet visit costs in five cities across the state:

Best Pet Insurance by City in Ohio

As mentioned earlier, where you live can affect the cost of pet insurance. Here's an overview of the most affordable pet insurance providers in three major cities in Ohio:

Methodology

The PetPlace team compiled this guide through research and analysis of publicly available data. Some of the factors we considered include policy rates, waiting periods, the availability of a 24/7 vet helpline, and wellness routine care coverage. Our goal is to provide helpful information for pet owners in Ohio. However, we recommend conducting your own research, speaking to your vet, and considering your budget and your pet's specific needs before deciding on a pet insurance provider.

Best Pet Insurance in Ohio FAQs

Recommended Resources

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• Pet Insurance: What It Covers
• Pet Insurance for Kittens