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Do you have a pet you care so much about that you won’t want to take the risk of losing it due to some unexpected illness or accident? Pet insurance gives you that advantage because it can help cover your pet’s veterinarian bills, especially if a medical emergency were to arise. More so, there are other benefits with pet insurance such as preventative care, so you can maintain your pet’s health regularly.
Choosing the best pet insurance will require research as you compare several insurance companies to find the most suitable plan for your pet. To help make the process easier, we’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality in Virginia.
ASPCA® Pet Health Insurance program offers coverage on accidents, illnesses, and optional preventive care (at an additional cost) at affordable monthly premiums. It has a robust customer service center that will guide you through your pet insurance needs and help your pet receive great care during emergencies. The provider also offers a wide range of reimbursement options, deductibles, and annual limits to help you customize your policy to suit your financial needs.
Disclosure provided by the ASPCA Pet Health Insurance program: Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Complete Coverage℠ reimbursements are based on the invoice. Preventive and Wellness Care reimbursements are based on a schedule. Products, schedules, discounts, and rates may vary and are subject to change. More information available at checkout. The ASPCA® is not an insurer and is not engaged in the business of insurance. Products are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ), produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227). Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2020.
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.
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 pumpkin.care/insurancepolicy. 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 pumpkin.care/customeragreement. Paid Endorsement.
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.
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.
Eusoh is able to provide an affordable pet health plan because of its community-based health sharing plan. Pet parents directly fund each other's vet expenses, which helps everyone save.
Living in the state of Virginia, you may want to take your pet on strolls, walks, or visit the mountains. However, there can be a lot of unforeseen accidents during your adventures. For example, when you go out to visit the mountains with your dog, an accident can occur that could result in broken bones. This accident might require immediate medical attention or a quick surgery to save the life of your pet.
With pet insurance, you can feel reassured your pet will receive treatment for its accident or illness without the added stress of medical bills. With a high reimbursement percentage and a low deductible, you will be able to freely pay for your pet’s medical bills. With insurance coverage, you can also utilize preventative measures so you are regularly maintaining your pet’s health and minimizing the risk of illness.
When exploring options for pet insurance, it’s helpful to be aware of which policies are available. The following are some plans you can choose from:
Pet insurance coverage majorly depends on the type of plan you apply for. For example, an accident-only plan will cover the cost of treating your pet’s injuries or any emergency accident your pet suffers from.
Generally, in the state of Virginia, pet insurance companies cover the following:
The following is a list of exclusions you should be aware of when looking at pet insurance policies:
The cost of pet insurance in Virginia differs between insurance agencies but some factors that could affect the cost include:
The cost of insurance also varies depending on the type of animal you have. For instance, the average pet insurance cost for a big dog in Virginia is $400 to $900 per year and $300 to $600 for a small dog. The average pet insurance cost for a cat is $200 to $400 per year.
When you get a pet, whether newborn or partly grown, you should know the average cost you’re expected to spend on vet bills. If you work with a budget, it gives you the advantage of knowing how much to set aside every month for your furry buddy.
Veterinary costs in Virginia are likely to include vaccines, routine care, and wellness visits. The following are the average costs of pet illnesses and services in Virginia:
| Pet illnesses | Cost |
| Allergies | $3,000-$4,000 |
| Cancer | $6,000-$15,000 |
| Ligament injury | $6,500-$8,000 |
| Eye treatment | $2,000-$6,000 |
| Ear treatment | $800-$1000 |
| Veterinarian services | Cost |
| Hospitalization | $600-$3,500 |
| Fecal and physical exams | $45-$50 |
| Spay/neuter | $160-$200 |
| Routine check | $50-$250 |
| Vaccines | $15-$30 |
| Emergency surgery | $1500-$5,000 |
When choosing pet insurance, keep a few of these factors in mind so you can make an informative decision for your pet:
