Best Pet Insurance in Ohio of 2022

Lisa Scott

Ohio is regarded as one of the most pet-friendly states with excellent environmental standards. However, an unexpected medical emergency could always arise, and in such circumstances, pet insurance can be extremely beneficial. Keep in mind, that the sooner you insure your pet under a policy, the more coverage you will receive for unexpected accidents, illnesses, or injuries.

To help you with the research process, we’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality in Ohio.

Extensive coverage to help keep your pet healthy


Coverage Up To


Reimbursement Rates


Pumpkin offers high-quality pet insurance plans for cats and dogs as well as an optional non-insurance preventive care plan for vaccinations, key tests and wellness exams, which will help to keep your pet happy and healthy through their life. You can travel with your pet in Canada or the US and can get access from any licensed vet in these countries. The platform is entirely digitized and serves as a one-stop-shop for all your pet's healthcare needs.

Pumpkin will cover up to $20,000 for dogs and $15,000 for cats annually.

What we like

  • Extensive coverage on multiple health issues
  • Optional preventive care plan that reimburses in full for annual wellness exams and vaccines
  • No exclusion on breeds or older pets
  • Offers a Fur Family Discount on multiple pets
  • Healthcare coverage in Canada and the US

What we don't

  • Pre-existing health conditions not covered
  • Pumpkin only covers dogs and cats

Pumpkin Advertiser Disclosure: Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit Products, discounts, and rates may vary and are subject to change. Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company (NAIC #21113, Morristown, NJ) and produced by Pumpkin. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states. For full terms, visit Paid Endorsement.

Short waiting periods on accidental coverage


Coverage Up To

70% - 100%

Reimbursement Rates


MetLife Insurance offers pet insurance for cats and dogs and is known for the shortest waiting periods in the industry.

What we like

  • No restriction on breeds and pet age
  • Customizable annual benefit limits
  • Short waiting periods accidental coverage
  • Flexible deductibles from $50 to $2,000
  • No incident limits

What we don't

  • Wellness treatment not included (optional add-on)
  • Pay first out of pocket and reimbursed later

Affordable prices with a fast reimbursement process


Coverage Up To

70% - 90%

Reimbursement Rates


Lemonade has earned a stellar reputation in the pet insurance industry with its affordable monthly premiums and fast reimbursement of claims with its AI technology. This technology has attracted thousands with its customizable policies and provides comprehensive coverage on illness and accidents to dogs and cats.

What we like

  • Customizable plans so you only pay for coverage that your pet needs
  • Claims are reimbursed in minutes
  • Affordable monthly premiums starting at $10/month
  • Comprehensive wellness plans to keep your pet in good health
  • Pay deductible once per year and not per incident

What we don't

  • Lemonade is only available in 33 states
  • Certain hybrid breeds may be denied

Pre-existing conditions and 6 pets covered for $24/m


Coverage Up To


Reimbursement Rates


Pawp offers pet owners an emergency fund up to but not exceeding $3,000 annually. The platform is different from other traditional pet insurance agencies as it does not require you to provide a medical examination report before enrolling your pet. Whether your pet is healthy or has been diagnosed with a pre-existing condition, you can still enroll it and access the emergency fund when the need arises.

With no deductibles and low monthly premiums as low as $24, the digital platform will protect your furry friend during an incident and save money from large vet expenses. Although the agency does not provide any limitations on age, it is best to insure your pet while still young and be prepared in advance when an emergency occurs.

What we like

  • Monthly premiums as low as $24
  • Allows coverage on 6 pets for $24 a month
  • Allows enrollment of pets with pre-existing conditions
  • 24/7 unlimited access to Pawp’s virtual vet doctors

What we don't

  • Coverage is restricted to healthcare emergencies only
  • Does not offer wellness coverage
  • Emergency funds can be accessed only once per year

Is pet insurance worth it in Ohio?

A veterinary bill in Ohio can cost up to $5000, and not everyone can afford to pay such a large sum of money upfront. Pet insurance makes this easy by lowering the cost and paying a significant portion of the expense. Without pet insurance, four out of five people are likely to be unable to pay for an unexpected $5,000 veterinary expense. This often leaves you in a difficult position because you want to be able to cater to your pet’s medical needs as well.

Pet insurance is a fantastic way to mitigate financial risk, especially since 62.40 percent of Ohio homes own a pet. Moreover, the population of Ohio can keep the streets busy, resulting in a high number of car accidents. Also consider the increased rate at which predators attack pets, the weather, and any other factors specific to your pet that could affect their well-being. With an insurance policy, you can expect pet diagnostics, treatments, and medications to be covered, and solely focus on your pet’s recovery.

What types of pet insurance plans are in Ohio?

When seeking a pet insurance policy, you want to consider all your pet’s needs. The following are the most common types of plans offered:

  • Accidentonly plan: This sort of policy covers an unexpected accident-related injury. Poisoning, snake bites, burns, falls, and car accidents are all examples of accident-related ailments. Owners of older pets who have outgrown full coverage often select accident-only coverage.
  • Accident and illness plan: This policy pays for treatments and testing for both accidents and illnesses. You can expect coverage for hospitalizations, surgery, medications, and any other necessary procedures to help your pet recover.
  • Wellness plan: This plan includes coverage for vaccines, routine tests, and dental care. Wellness insurance normally does not have a deductible, but it does not cover illnesses or accidents. This type of plan is solely meant for preventative and routine care.
  • Comprehensive plan: This plan is meant to cover everything from accidents to illnesses, injuries, and routine care. This is the most holistic type of coverage available for your pet. However, pre-existing conditions are exempt from all pet insurance policies.

What does pet insurance cover and exclude?

Here’s a comprehensive list of what is commonly covered under a pet insurance policy: 

  • Vaccinations: Most insurers cover annual vaccines against core diseases like rabies, canine distemper, and feline panleukopenia. Some also cover vaccinations for other conditions such as Lyme disease and West Nile virus.
  • Treatment for illness or injury: This includes emergency medical treatment for an illness or injury. This policy also covers x-rays, medications, and surgery.
  • Routine and preventative care: This includes wellness exams, routine lab tests, and other regular maintenance services you may be seeking for your pet. Heartworm testing and flea/tick preventatives are also included.
  • Diagnostic testing: This includes imaging such as ultrasounds, CT scans, MRIs, and more.

The following is a list of exclusions you should be aware of when looking at pet insurance policies:

  • Treatment or diagnosis of pre-existing conditions: Pet insurance will not cover the cost for treatment or the diagnosis of pre-existing conditions.
  • Injury or illness with intent to cause harm: Pet insurance will not cover injuries or illnesses that were provoked by abuse, neglect, self-mutilation, or any other intentional act on the pet owner’s part.
  • Breeding, pregnancy, and whelping: Pet insurance does not cover expenses related to breeding, pregnancy, or the whelps (i.e., newborn pups) if the mother dog dies during pregnancy or the whelping process. This would include transportation costs to and from the veterinary clinic, medications, and surgeries related to whelping.
  • Additional veterinary facility fees: If your veterinarian charges more than the fee agreed upon in your policy, pet insurance will not cover the difference.
  • Elective veterinary procedures: Any elective veterinary procedures will not be covered by the insurer in a basic plan. Examples of these procedures include dental care, routine surgeries such as spaying (for females), neutering (for males), and declawing. However, many policies do offer an add-on option if you would like to have coverage for elective care.

How much does pet insurance cost in Ohio?

While each pet’s price will vary depending on a number of factors, we discovered that the average monthly cost of pet insurance in Ohio is between $20 and $87 for dogs and $12 to $46 for cats. Some factors that can influence the cost of pet insurance are the following:

  • Type of species: Prepare to pay more if you own a dog than if you own a cat. This is because as dogs age, their health problems multiply. These health conditions can increase the cost of treating and insuring them over time, resulting in increased premiums.
  • Age: As pets get older, they’re more likely to acquire health issues like cataracts, arthritis, and cancer.
  • Breed: Some breeds are more prone to genetic diseases or health difficulties as they age. Large dogs, such as Great Danes or German Shepherds, may be more prone to heart disease and hip dysplasia as they age, resulting in higher insurance premiums.
  • Discounts: Some pet insurance companies offer discounts to help you save money on your premiums. Customers who bundle home and pet insurance services may be eligible for a 10% discount.

What are the veterinary costs in Ohio?

Veterinary fees are not regulated; thus, they vary depending on factors like the pet species, age, and location. Many of the services below are covered by pet insurance, which will repay you for a portion of your out-of-pocket costs after you’ve paid your veterinarian.

Veterinary serviceCost
Routine check-ups$50-$250
Allergy testing$195-$300
X-ray exam$150-$250
Physical exam$45-$55
Dental cleaning$70-$400
Wound treatment$800-$2,500
Emergency surgery$1,500-$5000
Oxygen therapy$500-$3000

How to choose the best pet insurance in Ohio

When choosing the best pet insurance plan, keep the following key factors in mind before finalizing your decision:

  • Consider your pet’s needs: You want to take your pet’s medical history into consideration when choosing a policy. Most insurance providers do not cover pre-existing conditions so confirm with the agency if this is the case for your pet. Also, consider what illnesses your pet is susceptible to in the future and if coverage will be provided.
  • Compare policy prices: It’s helpful to get quotes for three to four types of policies from insurance agencies. By doing so, you can compare the cost and the details of the policies and narrow down your options. Then choose one that is most suitable for your pet’s needs and a bang for your buck.
  • Customer reviews: Check what other customers have to say about an insurance agency you’re considering. Read reviews about the customer’s experience, their service, and how they handle their claims process. This will make it easier for you to come to a decision.