Get the Best Pet Insurance in Pennsylvania in 2024

Sponsored by Figo Pet Insurance

Are you a pet parent in Pennsylvania looking for the right insurance to keep your furry family member covered? With so many pet insurance plans to choose from, it can feel like a challenge to find the perfect fit for both your budget and your pet’s unique needs.

In this guide, we’ll break down the essentials of pet insurance in the Keystone State. We'll compare coverage options, look at typical costs, and highlight common health risks for pets in the state. This way, you can choose a plan that provides the right care for your pet – without stretching your wallet too thin.

Summary: Best Pennsylvania 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 9/26/2024 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 Pennsylvania?

According to our research, Pennsylvania pet insurance costs an average of $33 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 $54 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 Pennsylvania cities: Philadelphia, a major urban center, and Altoona, an average-sized city for the state.

It's important to note that your own Pennsylvania 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 Pennsylvania 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 Pennsylvania

Per our research, the average cost of pet insurance for a medium-sized mixed breed dog in Pennsylvania is $33 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 $54 monthly.

Cost of Pet Insurance in Pennsylvania 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 Pennsylvania:

Cost of Pet Insurance for Cats in Pennsylvania

Pet insurance for cats is significantly cheaper than dog insurance in Pennsylvania. 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 Pennsylvania 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 Pennsylvania pet insurance, here are the average monthly rates for these breeds:

Cost Comparison for Pet Insurance Companies in Pennsylvania

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

This type of policy typically 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 Pennsylvania

From the Liberty Bell to the Appalachian Trail, Pennsylvania’s diverse landscape offers plenty of adventure for pets – but it also comes with challenges for pet parents.

Ticks are a major concern in the state's forests and parks due to the prevalence of Lyme disease. Pennsylvania’s waterways, like Lake Erie, bring their own risks, with harmful algal blooms that can affect pets that swim or drink from them.

Urban pets in cities like Philadelphia and Pittsburgh face different hazards, such as antifreeze and road salt during the winter months. Encounters with wildlife, from raccoons to black bears, can lead to injuries or illness across both urban and rural areas.

The state's extreme seasonal changes, from hot summers to freezing winters, also take a toll on pets, especially those with existing health conditions. This means year-round protection is vital for Pennsylvanian pets.

When choosing pet insurance, look for the most comprehensive coverage that addresses a wide range of risks. While it’s tempting to focus on specific concerns, a broad plan offers the best protection. Be sure to compare policies based on coverage limits, deductibles, waiting periods, and exclusions for pre-existing conditions.

Here are some important features to keep in mind when selecting the best pet insurance plan in the Keystone 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, especially in a state like Pennsylvania, which has its fair share of health risks for 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 Pennsylvania may be lower than in some neighboring 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.

Pennsylvania Pet Laws

Pennsylvania, a state with bustling cities and expansive rural areas, has established comprehensive pet laws that serve its diverse communities. These rules aim to protect animals and ensure public safety, whether you're in Philadelphia's urban landscape or the rolling hills of the Poconos. Here's what Pennsylvania pet owners need to know:

• Licensing and rabies vaccination. Dogs in Pennsylvania must be licensed upon acquisition (earliest at 8 weeks old) or by 3 months of age, whichever comes first. Licenses must be renewed annually by January 1. Additionally, all dogs and cats three months of age or older must be vaccinated against rabies.
• Animal cruelty. Pennsylvania law prohibits cruelty to animals, which includes intentionally, knowingly, or recklessly ill-treating, overloading, beating, abandoning, or abusing an animal. Failing to provide essential food, clean water, safe shelter, and veterinary care is also considered cruelty. Aggravated cruelty, which causes serious bodily injury or death of an animal, is a felony of the third degree.
• Dangerous dog regulations. In Pennsylvania, a judge can declare a dog dangerous if it seriously hurts a person or pet without being provoked. Owners of dangerous dogs must pay a $1,000 annual fee, get $50,000 in insurance, and keep the dog in a secure enclosure. Outside, the dog must be muzzled and leashed. Owners also need to post warning signs and have the dog spayed or neutered and microchipped. Breaking these rules can lead to fines and the dog being taken away.
• Tethering regulations. A dog is presumed neglected if it's tethered for more than 9 hours within a 24-hour period and either tethered for more than 30 minutes in temperatures above 90 or below 32 degrees Fahrenheit.
• Assistance animals. It's illegal to deny housing to a person with a disability because they have an assistance animal. This protection extends to various public accommodations and services.

Philadelphia Pet Laws

Philadelphia, the City of Brotherly Love, has established a comprehensive set of pet laws to ensure animal welfare and public safety. Here are some important pet laws to remember in this historic city:

• Licensing requirements. In Philadelphia, all dogs four months old or older must be licensed annually. To obtain a license, pet owners must provide proof of current rabies vaccination. Licenses can be obtained through the Animal Care and Control Team (ACCT) of Philadelphia. The license tag must be securely attached to the dog's collar or harness.
• Animals running at large. Philadelphia law prohibits any animal, except sterilized cats, from running at large on any street, public place, or private property other than the owner's. Dogs must be on a leash not exceeding six feet in length, including the handgrip but excluding the collar, and accompanied by a person able to fully control the animal at all times. This law helps prevent incidents and ensures the safety of both pets and the public.
• Vicious animals. Any animal, other than a dangerous dog as defined by state law, that is deemed vicious may be seized by a police officer or authorized animal control officer. These animals may be humanely destroyed or rehabilitated for adoption at the discretion of the Animal Control Agency after a reasonable effort to notify the owner.
• Feral cat management. Philadelphia has a unique approach to feral cat management. The Animal Control Agency may, upon finding a cat to be feral, sterilize the cat and release it back to its colony. This approach helps manage the feral cat population humanely.

Pittsburgh Pet Laws

Pittsburgh, known as the City of Bridges, has established pet laws to promote the well-being of animals and ensure community safety. Here are some key laws to keep in mind when living in this vibrant city:

• Pet ownership limits. Pittsburgh restricts the number of pets per household to a maximum of five dogs or cats in any combination. For example, you could have five dogs, five cats, or any mix totaling five animals. This limit doesn't include litters of puppies or kittens between 7 and 12 weeks old. Those doing foster care or animal placement work can apply for an exemption permit from the Animal Control Department.
• Dog licensing. Dogs must be licensed when they reach 3 months of age. Licenses can be obtained from the City Treasurer's office or online. Licensing fees are lower for spayed or neutered dogs. Proof of current rabies vaccination is required for licensing, as mandated by Pennsylvania state law.
• Leash laws. Dogs are not permitted to run unleashed on public streets, sidewalks, other public places, or other people's property. When walking your dog, it must be on a leash or chain no longer than 6 feet in length.
• Cat regulations. While cats don't require licenses, outdoor cats must wear an ID collar or tag with the owner's name, phone number, and address. Like dogs, cats must have current rabies vaccinations from 3 months of age.

Allentown Pet Laws

Allentown, Pennsylvania's third-largest city, has its own set of pet laws to keep animals safe and ensure public health. Here are some of the most notable laws in this Lehigh County city:

• Dog licensing and identification. All dogs three months or older must be licensed by the Treasurer of Lehigh County. Dogs must wear a collar and license tag at all times when in public. This requirement doesn't apply to non-resident dogs temporarily in the city or to service dogs assisting blind or hearing-impaired persons.
• Rabies vaccination. Dogs and cats three months or older must be vaccinated against rabies within 14 days of acquisition. Owners must provide proof of vaccination upon request by city officials. Community cats and their caregivers are exempt from this requirement.
• Leash law and at-large animals. Dogs must be secured by a leash no longer than six feet when on public property, including streets, sidewalks, and parks. Dogs are not allowed to run at large in the city. Owners must maintain control of their pets at all times. This doesn't apply to supervised obedience training or sanctioned field trials.
• Waste cleanup. Pet owners must immediately remove and properly dispose of their animal's waste from public property or private property not owned by them. Property owners must remove animal waste from their property within 24 hours to prevent health hazards.

Common Pet Risks in Pennsylvania

Pennsylvania's varied landscape, from bustling cities to sprawling forests, presents unique risks for pet owners. Here are some common hazards to be aware of when living in the Keystone State:

• Tick-borne diseases. Pennsylvania is a hotspot for Lyme disease, ranking among the top states for reported cases. The state's wooded areas and even suburban backyards provide ideal habitats for ticks. Dogs are particularly susceptible to Lyme disease, which can cause fever, lameness, and joint pain. Regular tick checks and preventive medications are vital, especially during warmer months.
• Harmful algal blooms. Pennsylvania's numerous lakes and rivers, including Lake Erie, can experience harmful algal blooms. These toxic growths pose a significant risk to pets that swim in or drink from affected waters. Symptoms of exposure can include vomiting, diarrhea, and in severe cases, liver failure. Pet owners should be cautious about letting their animals near water bodies with visible algal growth.
• Urban hazards. In cities like Philadelphia and Pittsburgh, pets face unique risks such as exposure to road salt and antifreeze during winter months. These substances can be toxic if ingested. Additionally, urban wildlife encounters with raccoons or stray animals can lead to injuries or disease transmission.
• Wildlife encounters. Pennsylvania's diverse wildlife, including black bears in rural areas, can pose threats to pets. Unexpected encounters may result in injuries or disease transmission. Pet owners should be vigilant, especially in areas where wildlife is common.
• Weather-related risk. Pennsylvania experiences all four seasons intensely. Hot, humid summers can lead to heat stroke in pets, particularly brachycephalic breeds. Conversely, harsh winters pose risks of hypothermia and frostbite, especially for short-haired breeds and elderly pets. It's essential for pet owners to closely monitor their pet's well-being and ensure they have proper shelter and care during extreme weather conditions.

Veterinary Costs in Pennsylvania

According to Banfield Pet Hospital's Price Estimator, the average cost for a vet visit in Pennsylvania is $72. 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 Pennsylvania

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 Pennsylvania:

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 Pennsylvania. 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 Pennsylvania FAQs

Recommended Resources

• 7 Essential Tips for Choosing a Pet Insurance Policy That’s Right for You
• Compare and Contrast Pet Insurance Providers
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• Pet Insurance: What It Covers
• Pet Insurance for Kittens