Get the Best Pet Insurance in Virginia in 2024

Sponsored by Figo Pet Insurance

Are you a Virginia resident searching for the right pet insurance? With so many options available, finding the best pet insurance policy for your furry friend can be overwhelming. But don't worry, we've got you covered! We did the research and narrowed down the top pet insurance options in Virginia for 2024.

In this guide, we'll look at pet insurance pricing, compare top plans, and explain Virginia’s regulations and protections. By the end, you’ll be ready to choose the best insurance to keep your pet healthy and happy in the Old Dominion.

Summary: Best Virginia 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 9/6/2024 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 Virginia?

According to our research, Virginia pet insurance costs an average of $36 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 $57 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 Virginia cities: Virginia Beach, a major urban center, and Fredericksburg, an average-sized city for the state.

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

Per our research, the average cost of pet insurance for a medium-sized mixed breed dog in Virginia is $36 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 $57 monthly.

Cost of Pet Insurance in Virginia 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 Virginia:

Cost of Pet Insurance for Cats in Virginia

Pet insurance for cats is significantly cheaper than dog insurance in Virginia. The average monthly cost for cat insurance in the state ranges from $15 to $41, depending on factors such as age, annual coverage, breed, deductible, plan type, and reimbursement amount**.

Cost of Pet Insurance in Virginia 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 Virginia pet insurance, here are the average monthly rates for these breeds:

Cost Comparison for Pet Insurance Companies in Virginia

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, often covering injuries from accidents like cuts, broken bones, and sprains. This can include 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 parents 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 Virginia

When choosing pet insurance in Virginia, it's important to consider some unique risks that pets in the state may face. Virginia's diverse environment, from coastal areas to mountains, presents various challenges for pet health.

The varied environment increases the likelihood of tick-borne diseases like Lyme disease, which is particularly risky for dogs. Virginia's waterways may also experience harmful algal blooms, posing a danger if pets swim in or drink from the water.

Additionally, encounters with wildlife such as raccoons or foxes can lead to injuries or diseases like rabies. Seasonal allergies from the diverse plant life can affect pets during spring and fall, and the state's hot, humid summers make heatstroke a concern, especially for brachycephalic (short-nosed) breeds.

Given these factors, it's wise to choose a pet insurance plan that offers broad coverage to protect your pet against these regional hazards.

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

• 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 Virginia, where diverse wildlife and varying climates can pose potential risks.
• 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/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. Although veterinary costs in Virginia are lower than some other states, having coverage for exam fees can still lead to significant savings over time.
• Multi-pet discount. If you have multiple pets, look for providers that offer discounts for insuring more than one pet.

Virginia Pet Laws

Virginia has established a comprehensive set of laws and regulations to ensure the welfare of pets and promote responsible pet ownership. These laws are designed to protect both animals and the public. Here are some key pet laws and regulations Virginia residents should be aware of:

• Licensing requirements. In Virginia, dogs and cats over four months old must be licensed. This requirement helps ensure pets are vaccinated against rabies and can be returned to their owners if lost. Failure to license a pet can result in fines.
• Leash laws. Virginia state law allows localities to adopt leash laws. For example, in Virginia Beach, dogs must be leashed while on any city sidewalk, street, or public right-of-way. Violation of the leash law is a class 4 misdemeanor.
• Animal cruelty laws. Virginia has strict laws against animal cruelty. The state defines cruelty to animals as failing to provide adequate food, water, shelter, or veterinary care. Violations can result in misdemeanor or felony charges, depending on the severity.
• Dangerous dog laws. Under Virginia law, a dangerous dog is one that has caused a person's death, inflicted serious injury, or continued dangerous behavior after being previously identified by a court or animal control officer. The owner must be informed of this determination. Owners of dangerous dogs must obtain special licenses, maintain insurance, and follow specific containment requirements.
• Tethering regulations. In Virginia, keeping an animal tied up outside is considered insufficient shelter during hurricanes, tropical storms, heat advisories, or severe weather. Tethers must be at least 15 feet or four times the animal's length, except when an animal control officer approves a shorter tether of at least 10 feet for safety. Tethering is not allowed if the temperature is 85°F or higher, or 32°F or lower.
• Pet waste management. Many Virginia localities have ordinances requiring pet owners to clean up after their pets in public areas. For instance, in Virginia Beach, failing to pick up pet waste is a class 1 misdemeanor.

Virginia Beach Pet Laws

Virginia Beach, a vibrant coastal city known for its beautiful shores and diverse wildlife, takes pet ownership seriously. The city has crafted a set of laws and regulations that balance the needs of pet owners with public safety and animal welfare. Here are some important pet laws specific to Virginia Beach:

• Leash laws. In Virginia Beach, dogs must be kept on a leash when in public spaces, including city parks, streets, sidewalks, and rights-of-way. The leash must be attached to a collar or harness and under the control of a responsible person capable of physically restraining the dog. This law helps prevent incidents and ensures the safety of both pets and the public. Violation of the leash law is considered a class 4 misdemeanor.
• Licensing and vaccination requirements. Dogs and cats over four months old in Virginia Beach must be licensed. To obtain a license, pet owners must provide proof of current rabies vaccination. The city offers one-, two-, and three-year licenses, with fees varying based on whether the pet is spayed/neutered.
• Animal cruelty laws. Virginia Beach enforces strict laws against animal cruelty and neglect. The city defines animal cruelty as failing to provide adequate food, water, shelter, or veterinary care. Violations can result in misdemeanor or felony charges, depending on the severity of the offense.
• Beach access for dogs. City code 6-5 allows dogs on Virginia Beach year-round with restrictions. During the off-season (before 6 p.m. the Friday before Memorial Day and after 6 p.m. on Labor Day), dogs can enjoy public beaches and the boardwalk anytime. During the summer, from 6 p.m. Friday before Memorial Day to 6 p.m. on Labor Day, pets are not permitted on the oceanfront beach between 1st and 42nd Street.

Norfolk Pet Laws

Norfolk, a historic port city in Virginia, has its own laws and regulations for pet ownership that every pet owner should be familiar with. Here are key guidelines to ensure a happy and compliant life with your furry friend in the city:

• Licensing requirements. In Norfolk, all dogs and cats over four months of age must be licensed. New residents must license their pets within 10 days of moving to the city. Licenses expire annually on December 31st and must be renewed by January 31st each year.
• Leash laws. Norfolk enforces leash laws to ensure public safety. Dogs must be kept on a leash when in public spaces, including city parks, streets, and sidewalks. This prevents accidents and unwanted interactions. Violation of the leash law can result in fines.
• Pet limits. Norfolk has specific limits on the number of pets allowed per household. Section 6.1-8 of the Norfolk City Code permits no more than four adult dogs and four adult cats within any dwelling or premises inside the city limits.
• Rabies vaccination. In Norfolk, all dogs and cats over four months old must have up-to-date rabies vaccinations. This is not only a legal requirement but also vital for protecting both pets and people from this deadly disease.

Chesapeake Pet Laws

Chesapeake, a city where urban charm meets natural beauty, also has laws and regulations for pet ownership. The city's pet laws reflect a balance between fostering a pet-friendly environment and maintaining public safety. Here are a few key highlights:

• Licensing requirements. In Chesapeake, all dogs and cats four months or older must be licensed. A current rabies vaccination certificate is required for licensing. Licenses can be obtained online, by mail, or in person at the City Treasurer's Office, Parks and Recreation Visitor Center, and participating veterinary clinics.
• Leash laws. Dogs in Chesapeake must be kept on a leash or under immediate control of the owner when off the owner's property. This regulation helps maintain control over pets and prevents them from running at large. Violation of this law can result in a fine and is considered a Class 4 misdemeanor.
• Tethering regulations. In Chesapeake, dogs can't be tethered without the owner present and for no more than 60 minutes unless the owner is nearby. Tethering is not allowed for dogs under 6 months or female dogs in heat. The tether should be at least three times the dog's body length and not exceed 10% of its weight. It must be attached to a well-fitted collar or harness, allowing normal movement without tangling. Only one dog per tether is allowed.
• Animal waste disposal. Pet owners in Chesapeake are required to immediately remove and properly dispose of their pet's waste on any public or private property not owned by them. This law helps maintain cleanliness and hygiene in the community.

Common Pet Risks in Virginia

Virginia's diverse landscape and climate present unique challenges for pet owners across the Commonwealth. From the coastal regions to the Blue Ridge Mountains, pets face various health risks that require vigilance and proactive care. Here are some specific risks Virginia pet owners should be aware of:

• Heat-related illnesses. Virginia's hot and humid summers can be particularly dangerous for pets, especially brachycephalic breeds like Bulldogs and Pugs. Heat stroke is a serious concern, with temperatures often soaring above 90°F in July and August. It's important to provide ample shade, fresh water, and limit outdoor activities during peak heat hours. Remember, it's illegal in Virginia to leave dogs tethered outside when temperatures exceed 85°F.
• Tick-borne diseases. Virginia's wooded areas and mild climate create an ideal environment for ticks. Lyme disease is particularly prevalent, with Virginia consistently ranking among the top states for cases in both humans and pets. Regular tick checks and year-round preventive measures are essential for protecting pets from these parasites and the diseases they carry.
• Water hazards. Virginia's numerous waterways, from the Chesapeake Bay to inland lakes and rivers, can pose risks to pets. Harmful algal blooms, which can be toxic to animals, are a growing concern in the state. The Virginia Department of Health monitors for these blooms, but pet owners should remain vigilant, especially during warmer months. Additionally, strong currents and underwater hazards in rivers can be dangerous for swimming pets.
• Seasonal allergies. Virginia's diverse plant life can trigger allergic reactions in pets, particularly during spring and fall. Symptoms may include excessive scratching, paw licking, or respiratory issues. The state's high pollen counts, especially from oak and maple trees, can exacerbate these problems.
• Wildlife encounters. From the coastal regions to the mountains, Virginia's wildlife can pose threats to pets. Encounters with animals like raccoons, foxes, or even bears in some areas can lead to injuries or exposure to diseases such as rabies. It's important to keep pets supervised when outdoors, especially in more rural areas.
• Sago palm poisoning. These ornamental plants, common in Virginia's landscaping, can be lethal if ingested by pets. All parts of the plant are toxic, with the seeds being the most dangerous. Symptoms of sago palm poisoning include vomiting, diarrhea, and potential liver failure.

Veterinary Costs in Virginia

According to Banfield Pet Hospital's Price Estimator, the average cost for a vet visit in Virginia is $67. 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 Virginia

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 Virginia:

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 Virginia. 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 Virginia FAQs

Recommended Resources

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