Updated at: 27-03-2023 - By: Eden Wise


How do you decide which of the many Ohio pet insurance providers is best for your individual animal companion? Pawlicy Advisor assists thousands of pet parents just like you in comparing and purchasing the best coverage at the best price, and we do it all across “The Buckeye State”, from Cincinnati to Cleveland to Columbus and everywhere in between.

Since we only partner with the best in the business, your custom analysis will only include plans that have been tried and true with satisfied customers in Ohio.

Best Pet Insurance In Ohio

Best pet insurance in ohio



We recommend Lemonade to pet owners in Ohio for their flexible accident waiting period, mobile-friendly customer service, and wide variety of coverage options.

The Better Business Bureau (BBB) gave Lemonade a below-average rating, which hurt its overall score. However, after researching Lemonade’s BBB ratings, we learned that most of the company’s complaints are from homeowners and renters who purchased insurance through the company, rather than unhappy animal owners.

Lemonade offers an accident and illness plan that pays for things like hospitalization, surgery, outpatient, specialty, and emergency care, as well as prescription drugs and injections, diagnostics like MRIs, lab work, CT scans, blood tests, urinalysis, and X-rays, and more.

Lemonade also provides three supplemental plans, one of which covers the cost of veterinary visits for covered accidents and illnesses, another which covers the cost of physical therapy for treatments like acupuncture and chiropractic care, and a third which covers preventative care like annual wellness exams, fecal exams or parasite tests, three vaccinations, and blood tests.

The coverage provided by Lemonade does not extend to preexisting conditions, elective or cosmetic procedures, behavioral treatments, or routine dental care. You’ll need to provide proof of a recent veterinary exam in order to enroll your pet in coverage.


Spot’s two coverage plans, seven annual coverage caps, and five deductibles were big selling points for us.

If you’re looking for pet insurance, Spot offers two different standard plans to choose from. Treatments for accidents like broken bones, poisonings, and cuts are covered by the accident-only plan. As well as accidents, the accident and illness plan covers things like cancer, behavioral issues, and chronic conditions.

You can choose from two wellness plans that will help you pay for routine maintenance like annual exams, dental cleanings, spay/neuter procedures, and more. The Gold plan provides $250 per year in limits, while the Platinum plan provides $450 per year in limits.



The ASPCA is our top pick for new pet owners because of its comprehensive collection of pet resources and convenient local vet finder tool on its website. The plans offered by the ASPCA allow for a great deal of personalization, with a choice between two coverage levels, five annual coverage maximums, three deductible levels, and three reimbursement schedules.

Both accident-only and accident-and-illness plans, which ASPCA collectively refers to as its Complete Coverage plan, are available. Treatment for bites, broken bones, poisonings, foreign object ingestions, and cuts are all covered under the accident-only plan. Injuries like these, as well as conditions like diabetes, cancer, hereditary conditions, behavioral issues, hypothyroidism, digestive issues, and chronic conditions, are all covered under the Comprehensive Plan.

The American SPCA offers a preventative add-on for a small additional monthly fee. It’s available in two tiers (Basic and Prime) and pays for preventative care like dental cleanings, wellness exams, vaccinations, and more when taken to a vet. Both the Basic and Prime plans reimburse you up to $450 per year for covered expenses.

Healthy Paws

Due to its unlimited coverage caps, Healthy Paws is a great option for flexible coverage options, as it protects pet owners from having to pay for medical care for their pets out of pocket.

Surgery, hospitalization, emergency care, cancer, hereditary conditions, chronic conditions, and specialty care are all covered under Healthy Paws’ single plan. Treatments and diagnostics are all covered under this plan, including X-rays, blood work, ultrasounds, prescription drugs, and alternative medicine.

Preexisting conditions, office visit fees, exams, spaying/neutering, and routine preventative care are not covered by Healthy Paws.



When looking for nose-to-tail coverage for your dog or cat, Embrace has the best deductibles. Even beyond its reputation as one of Ohio’s best places to work, we found that this company cares deeply about its employees.

Accidental and illness-related veterinary care are covered by Embrace’s basic, highly-tailorable plan. All of your dental needs, from consultations to diagnostic tests to procedures to aftercare, count toward this total.

Care for pets over 14 years old with diabetes, Cushing’s disease, Addison’s disease, or FeLV/FIV is included in Embrace’s basic, accident-only plan. Curable disease coverage is highly recommended, as it will help pay for treatment if your pet develops a treatable disease like cancer again after it has been in remission for a year.

The Wellness Rewards add-on plan from Embrace is a great way to ensure your dog or cat receives the routine and preventative care they need to live a long and healthy life. Wellness exams, sterilization (spaying and neutering), alternative treatments (like acupuncture and nail clipping), and the cost of prescription food and preventative medication are all covered for an additional $30 to $35 per month.

Among Embrace’s many discounts and perks is the Healthy Pet Deductible, which applies a $50 annual credit toward your deductible for every year your pet does not file an accident or illness claim. In addition, Embrace provides discounts for ACH members, spaying/neutering your pet, paying annually as opposed to monthly, and enrolling multiple pets (10% discount and 5% discount for Armed Forces).


Figo provides three tiers of health insurance protection. Hip dysplasia, allergies, cancer, and the common cold are just some of the conditions that each tier will pay for in addition to X-rays, ultrasounds, prescriptions, and other necessary treatments.

The Essential plan offers yearly medical coverage of $5,000. Coverage increases to $10,000 in the Preferred plan, and there is no limit on benefits in the Ultimate plan. Optional benefits from Figo include dental care and coverage for veterinarian exam costs.



Trupanion provides a single accident and illness plan that pays for hospitalization, diagnostic testing, and treatment for a wide range of medical emergencies and conditions. Two extras are available as well. One deals with complementary or alternative medicine. The other is the Pet Owner Assistance package, which includes protection against third-party claims, reimbursement for veterinary care and boarding costs, a reward fund in the event of a lost pet, and trip cancellation coverage.

Preexisting conditions, regular checkups, exam fees, cosmetic procedures, and pregnancy are not covered by Trupanion.


Our research has led us to conclude that Pumpkin is the best pet insurance for young animals. Comprehensive insurance and non-insurance preventive care plans are available that are reasonably priced and designed specifically for small animals.

Pumpkin provides low-cost plans with the option to add coverage for preventative care packages for young cats and dogs. Preventive care packages offered by the company for puppies include things like wellness exams, vaccinations, and annual feces tests.

In addition to covering lab tests for parasites and the cost of up to four vaccines your puppy may have received before being insured under the preventive pack, Pumpkin will also reimburse you for the cost of these services.

However, Pumpkin Preventive does not cover wellness packages that include dental cleanings or spay/neuter procedures (unlike most other companies).

Pets Best

Pets Best sells a variety of wellness plans that include preventative care for your pet as well as coverage in the event of an accident or illness.

Pets Best accepts pets as young as seven weeks old, while most insurers make them wait until they’re at least eight weeks old. There is also no maximum age requirement, so even senior pets are covered.

Wheelchairs and prosthetic devices prescribed by a veterinarian to treat a covered accident or illness are typically not covered by insurers, but Pets Best will pay for them if necessary.

Parasite treatment (even if the pet is up-to-date on its vaccines and preventive medications), as well as alternative treatments like kinesiology, electromagnetic therapy, and massages, are not covered by Pets Best’s insurance plan.


Only Nationwide, among major pet insurers, covers birds and other exotic animals. Goats and pot-bellied pigs are included in the list of small mammals that are covered by the Avian & Exotic Pet Plan. (Please be aware that venomous and endangered animals are not covered unless specifically listed on the Nationwide website.)

Exotic pet owners can choose from a range of reimbursement options for unexpected medical expenses (up to 90%) and additional “preventive care riders.” Like pet insurance, this one doesn’t cover preexisting conditions.

Nationwide provides two different wellness care packages in addition to three different accident and illness policies for exotic pets. In order to receive a quote or sign up, owners of exotic pets must call (844-244-3691). However, Nationwide’s website makes it simple to purchase pet insurance for cats and dogs.

Fetch by The Dodo

Reasons why The Dodo’s “Fetch” wasn’t chosen: Fetch by The Dodo has the youngest minimum enrollment age among the services we considered, and it also offers some extra features that may be of interest to pet owners. Policyholders, however, must adhere to the following rules in order to have their claims paid: Pet owners have up to 90 days from the date of the invoice to submit a claim after their pet has received medical attention for obvious symptoms.

Fetch by The Dodo is a good option for new kitten owners because it is one of the few insurers that accepts pets as young as six weeks. There is no maximum retirement age, and employees can choose from a variety of deductible levels and annual benefit packages.

Policyholders of Fetch by the Dodo will also receive reimbursement of up to $1,000 annually for medical boarding, behavior modification, and lost pet rewards.

Prudent Pet Insurance

Dog and cat owners who are looking for a comprehensive plan that covers all the essentials should consider Prudent Pet. Prudent Pet has the most all-encompassing plans, so we chose them. There are three tiers of coverage available: accident-only, accident plus treatment for genetic disorders and birth defects, and a top tier that includes everything in the other two tiers plus boarding fee reimbursement, trip cancellation insurance, and death benefits.

Except for the comprehensive, no-limits ultimate plan, all Prudent Pet insurance plans have annual maximums of $10,000. We offer flexible yearly deductible options from $100 up to $1,000.

Pre-existing conditions, cosmetic procedures, costs associated with breeding, dental cleanings, and grooming are not covered by Prudent Pet, but can be purchased separately for $11.95 to $29.95 for dogs and $7.95 to $19.95 for cats as part of a preventative care package.


Which pet insurance company covers pre-existing conditions?

Ohio and other states’ laws prohibit licensed insurers from covering pre-existing conditions. Your policy will not pay for medical care related to an accident, injury, or chronic condition that occurs before coverage begins or during the waiting period.

Is pet insurance in Ohio worth it?

The thought of having to pay for an unexpectedly high veterinary emergency scares most Ohio pet owners. With pet insurance, you won’t have to worry about how you’ll pay for your pet’s care in the event of an unexpected accident or emergency. Getting pet insurance can help with the unforeseen costs that come with owning a pet.

How much does pet insurance cost per year in Ohio?

In Ohio, the average annual cost of pet insurance is as follows: $279.00 for a kitten; $279.00 for a 1.5-year-old cat; $330.24 for a 5.5-year-old cat; $445.56 for a puppy; $445.56 for a 1.5-year-old dog; $554.16 for a 5.5-year-old dog.

Do I legally have to insure my dog in Ohio?

In Ohio, dog or cat owners are not required by law to have pet health insurance. It’s a precaution you can take if you want to save money on vet bills in the long run and avoid any unpleasant surprises.

Does pet insurance increase with age?

Pet health insurance premiums rise with age just like people’s do. Your pet’s risk of getting sick rises as they get older. Therefore, getting your dog or cat covered by insurance when they are young is a good idea.


It’s clear that people living in Ohio have a lot of choices. There will be many developments in the future of pet insurance because of its rising popularity. Insurance is still a novel idea in the veterinary field, but it is an essential one that is here to stay.

Because of its adaptability and generous protections, Embrace Pet Insurance has remained our top pick for pet insurance. Lemonade is the most cost-effective option because its policies can be tailored to almost any spending plan. Figo may be more expensive than the rest of the options here, but their 100% reimbursement rate makes up for it.

Regardless of which piece of advice was most useful, I hope you ended up with pet insurance that actually helps you out.