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Home > Insurance > 10 Best Pet Insurance Providers in Ohio in 2024 – Reviews & Comparisons

10 Best Pet Insurance Providers in Ohio in 2024 – Reviews & Comparisons

white and black dog lying on the sofa with a woman

More and more pet parents are catching onto the latest trend – pet insurance. If you haven’t jumped on the bandwagon yet, you might wonder what all the hype is about.

Luckily, there are tons of options just in Ohio for insurance plans to cover your pet in times of need. Here we will go over precisely what pet insurance covers through each company, what deductible or monthly premium you can expect, and all sorts of coverage information.

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A Quick Comparison of the Winners for 2024

Image Product Details
Best Overall
Winner
Embrace Pet Insurance Embrace Pet Insurance
  • Versatile
  • Popular
  • Manage account online
  • Best Value
    Second place
    Lemonade Pet Insurance Lemonade Pet Insurance
  • Flexible plans
  • Additional savings options
  • Adjust policy anytime
  • Premium Choice
    Third place
    Figo Pet Insurance Figo Pet Insurance
  • Extensive coverage
  • Up to 100% reimbursement
  • One annual deductible
  • Pumpkin Pet Insurance Pumpkin Pet Insurance
  • Crisp, clean website
  • High reimbursement rates
  • Extensive coverage
  • Trupanion Pet Insurance Trupanion Pet Insurance
  • Lock-in rates
  • Excellent customer service
  • Pays vet directly
  • The 10 Best Pet Insurance Providers in Ohio

    1. Embrace Pet Insurance – Best Overall

    Embrace Pet Insurance Logo

    Sample Premium $12-30
    Deductible Varies
    Reimbursement Rate 70-90%

    We have to say, Embrace Pet Insurance is our favorite company offering coverage in Ohio. With its extensive coverage, middle-of-the-road pricing, and customizable plans, Embrace really brings a lot to the table, and we think that most families will benefit from it.

    Coverage

    Embrace Pet Insurance covers both dogs and cats. You can opt for this insurance if your pet is under 15 years old, substantially older than some other companies allow. Embrace also provides coverage for preexisting conditions, permitting your pet is symptom-free for 12 months beforehand.

    Covered
    • Some preexisting conditions
    • Dental issues
    • Breed-specific ailments
    • Cancer
    • Chronic conditions
    • Complementary treatments and rehabilitations
    • Preventable conditions
    • Orthopedic conditions
    • Emergency care
    • Hospitalizations
    • Surgery
    • Specialist care
    • Diagnostic care
    • Prescription drugs
    Not covered
    • Most preexisting conditions
    • Breeding services
    • DNA testing or cloning
    • Injury from abuse
    • Avian flu
    • Cosmetics
    • Nuclear war
    • Routine vet care

    Customer Service

    Embrace Pet Insurance has outstanding customer service. You can access your account and make changes to your policy online. If you want to speak to a representative directly, there are phone and email options to get in contact.

    Pricing

    Overall, we think that Embrace Pet Insurance has middle-of-the-road pricing—and it’s worth every penny. You can tailor a policy to match your budget and coverage needs.

    Special Perks/Savings

    In addition to offering a vanishing deductible, embrace also offers a 10% multiple-pet discount and a 5% military discount.

    Pros
    • Versatile
    • Popular
    • Manage account online
    Cons
    • Might not work for all budgets

    2. Lemonade Pet Insurance – Best Value

    Lemonade Pet Insurance Logo

    Sample Premium $10-$25
    Deductible $250, $500, $1,000, $2,500
    Reimbursement Rate 70%, 80%, 90%

    Lemonade Pet Insurance is a really great option in terms of savings. Lemonade is already a leader in the insurance industry, recently extending service options to our pets. This is especially convenient if you already have Lemonade coverage in other areas.

    Coverage

    What we love most about Lemonade is that you have complete control over your policy. Lemonade offers an app you can have on your smartphone, allowing you to make changes to your policy anytime.

    Like many other insurance companies, any diagnosis that happens during an active insurance policy will be considered a preexisting condition if you ever default on payment. That means if you let your insurance lapse without renewing, and your policy gets canceled, coverage will change upon reactivation.

    Covered
    • Diagnostics procedures
    • Medication
    • Wellness visits
    • Intestinal parasite testing
    • Heartworm testing
    • Blood work
    • Vaccinations
    • Flea and heartworm prevention
    • Medical advice chat
    Not Covered
    • Preexisting conditions

    Customer Service

    Lemonade offers very accessible customer service for policyholders. You can ask any questions to a licensed veterinarian any time of day or night. They also offer a 24/7 medical chat that is naturally part of the policy.

    Pricing

    We think Lemonade is an excellent value in terms of price. Policies can vary depending on what features you want to select for your pet’s policy. So you can precisely tailor the coverage to match your budget, making it the best pet insurance in Ohio for the money.

    Special Perks/Savings

    Lemonade offers several savings perks. These include a 10% bundle discount, multi-pet discount, and annual fee discount. You can receive a free quote to check the potential costs of the policy as well as any discounts you could be eligible for.

    Pros
    • Flexible plans
    • Additional savings options
    • Adjust policy anytime
    Cons
    • Lapsed/canceled policies have consequences

    3. Figo Pet Insurance — Premium Choice

    Figo Pet Insurance Logo

    Sample Premium $15-$35
    Deductible $100-$1,000
    Reimbursement Rate 80%-100%

    Figo Pet Insurance might appear pricey at first glance. However, it has a 100% reimbursement rate—and we think that really counts in the company’s favor. We think Figo really has comprehensive options that can be worth the extra monthly costs.

    Coverage

    Figo offers a broad spectrum of coverage for canines and felines. They also are willing to cover preexisting conditions, permitting the pet has been symptom-free for at least 12 months prior to policy activation.

    Covered
    • Emergency
    • hospitalization
    • Surgeries
    • Veterinary specialists
    • Diagnostic testing
    • Knee conditions
    • Prosthetics or orthopedics
    • Hereditary or congenital conditions
    • Prescriptions
    • Hip dysplasia
    • Chronic conditions
    • Dental illness and injury
    • Imaging
    • Cancer treatment
    • Wellness coverage
    • Veterinary exam fees
    Not Covered
    • Preexisting conditions
    • Experimental procedures
    • Breeding, pregnancy, or whelping
    • Cosmetic surgery
    • Cloned procedures
    • Parasites

    Customer Service

    Figo is really terrific at customer service. They have an entire page on the site dedicated to avenues of contact with the company. There is also chat and telephone access to a veterinarian 24/7, so you can contact them with any questions about your pet’s health.

    Pricing

    Figo is a little high-priced, but it’s for a good reason. Since they offer up to 100% reimbursement rates on claim payouts, the monthly premium tends to be more expensive. However, if you don’t mind paying a little more upfront to reap the benefits later, we think this is an exceptional company to consider.

    Special Perks/Savings

    Another perk to Figo coverage is that they only offer one annual deductible to help you save money throughout the year.

    Pros
    • Extensive coverage
    • Up to 100% reimbursement
    • One annual deductible
    Cons
    • High dollar

    4. Pumpkin Pet Insurance

    Pumpkin Pet Insurance Logo

    Sample Premium $30-$70
    Deductible 70%-90%
    Reimbursement Rate $100-$500

    Pumpkin Pet Insurance is a terrific option with excellent coverage. This company is growing exponentially, offering competitive rates and special perks. It’s easy to see why it’s rising so much in popularity, and we think you might agree.

    Coverage

    Pumpkin offers comprehensive coverage for pet parents to choose from. Their policies are flexible, and coverage starts 14 days after the activated policy.

    Covered
    • Ear, ear, skin infections
    • Digestive illnesses
    • Cancer
    • Parasites
    • Infectious disease
    • Orthopedic injury
    • Swallowed objects
    • Diagnostic testing
    • Emergencies
    • Microchipping
    • Dental illness
    • Hereditary conditions
    • Behavioral issues
    • Exam fees
    • Alternative therapies
    • Prescription food
    Not Covered
    • Preexisting conditions

    Customer Service

    Pumpkin has a very clean website that helps customers get in contact with Pumpkin employees. It is easy to navigate and has an entire page devoted to avenues of service. Also, you can access a free quote almost anywhere on the website by clicking the link.

    Pricing

    We think Pumpkin is extremely fair in terms of pricing. Also, they offer up to 90% reimbursements on claim payouts, which is more than many of its competitors.

    Special Perks/Savings

    Pumpkin has discount offers avialable. Plus, they have high reimbursement rates, which trump some competitors.

    Pros
    • Crisp, clean website
    • High reimbursement rates
    • Extensive coverage
    Cons
    • Pricey

    5. Trupanion Pet Insurance

    Trupanion Pet Insurance Logo

    Sample Premium $59-$75
    Deductible $0-$1,000
    Reimbursement Rate 90%

    Trupanion Pet Insurance has a ton of perks that make it worthy of attention. They are notorious for lock-in premiums at the time of enrollment. We think that it will continue to rise to the occasion, creating policies, add-ons, and perks to appeal to a wide customer base.

    Coverage

    When it comes to coverage, Trupanion does things a bit differently. They pay your vet at the time of checkout as opposed to having you pay full price upfront. That way, you aren’t waiting long periods for reimbursement, which can help if you don’t have the funds.

    Covered
    • Diagnostic testing
    • Surgeries
    • Hospital stays
    • Medications
    • Accidents
    • Illnesses
    Not Covered
    • Preexisting conditions
    • Wellness care
    • Exam fees

    Customer Service

    Trupanion offers a 24/7 customer service line for folks to contact the company directly for policy changes or quotes.

    Pricing

    Trupanion offers a very innovative pricing system. Your price is locked in at the time of enrollment, which can be more or less expensive depending on your pet’s age. You can get extreme savings with Trupanion the earlier you enroll your pet.

    Special Perks/Savings

    Trupanion doesn’t raise your rates as your pet ages like some other insurance companies. So if you choose to enroll your puppy when they are juveniles, you will have that same rate when they are seniors. You have a lock-in price at the time of enrollment—and that’s it.

    Pros
    • Lock-in rates
    • Excellent customer service
    • Pays vet directly
    Cons
    • Expensive for older pets

    6. Bivvy Pet Insurance

    Bivvy Pet Insurance

    Sample Premium $15
    Deductible $100
    Reimbursement Rate 50%

    If we want to get down to specifics, Bivvy Pet Insurance is the cheapest insurance on the list. However, it doesn’t have as extensive coverage options as other competitors, which is why you will find it in our fifth slot.

    Coverage

    Bivvy has two main plans. One covers accident coverage only, and the other covers routine care and accident coverage. Whatever plan you pick will depend on what you need specifically from the company itself.

    Covered
    • Illness
    • Accidents
    • Hereditary and congenital conditions
    • Cancer
    • Diagnostic testing
    • X-rays
    • Blood testing
    • Surgery
    • Hospitalization
    • Prescriptions
    • Medications
    • Emergency care
    • Orthopedic treatment
    Not Covered
    • Preexisting conditions
    • Preventative care
    • Spay and neuter surgery
    • Cosmetic surgery
    • Air ambulances
    • Boarding
    • Cloning

    Customer Service

    Bivvy offers standard customer service to its customers. You can contact them via telephone to make changes to your policy or if you have any additional questions and concerns.

    Pricing

    We love Bivivy when it comes to pricing. They offer a $15 monthly premium with no variable rates, making it super affordable for any budget. However, they have a standard set low reimbursement rate of 50%.

    Special Perks/Savings

    They only have a deductible of $100. All reimbursement rates are 50%, with low monthly premiums. This factor alone makes bivy very affordable, but they don’t yet offer a lot of perks and benefits apart from their already low prices.

    Pros
    • Very affordable
    • Low deductible
    Cons
    • Low rei
    • Not as much coverage as other companies

    7. Healthy Paws Pet Insurance

    HealthyPaws Pet Insurance Logo

    Sample Premium $25-$35
    Deductible $100-$1,000
    Reimbursement Rate 70%-90%

    Healthy Paws Pet Insurance were innovators when pet insurance first started. They have terrific options for pet parents and have affordable policies for most budgets.

    Coverage

    Healthy Paws offers extensive coverage to customers, keeping their pets protected. However, one thing to consider about healthy paws is that they do have long wait periods for reimbursement.

    Covered
    • Accidents
    • Illness
    • Emergencies
    • Hereditary and congenital conditions
    • Cancer
    • Chronic conditions
    • Diagnostic treatment
    • X-rays
    • Blood tests
    • Ultrasounds
    • Surgery
    • Hospitalization
    • Prescriptions
    • Medications
    • Emergency care
    • Specialty care
    • Alternative treatment
    Not Covered
    • Preexisting conditions
    • Exam fee
    • Preventative care
    • Dental Health

    Customer Service

    On top of having customer service that’s super easy to contact, Healthy Paws also offer an extensive frequently asked questions page on their website. You can get answers to any common questions and if you don’t find an answer there, you can contact them directly with the staff on board willing to help you navigate the process.

    Pricing

    Healthy Paws has pretty middle-of-the-road pricing. It is up to par with the conspirators and is what you might expect. However, their long wait times could cause you to want to look elsewhere for quicker payouts at similar prices.

    Special Perks/Savings

    Healthy Paws offer a referral bonus anytime you get a friend to jump on board. This referral friend program provides $25 to you directly when someone you know activates a policy.

    Pros
    • Extensive coverage options
    • Alternative care option
    • Earning potential
    Cons
    • Long reimbursement waits

    8. Nationwide Pet Insurance

    Nationwide Pet Insurance

    Sample Premium $12-$22
    Deductible $250
    Reimbursement Rate 50%-70%

    We have to give Nationwide Pet Insurance props from the get-go—it has something no other insurance company does—exotic pet coverage. So, if you don’t have traditional pets like dogs and cats, you’re covered, too. They might be a little more expensive than some others, but we think it might be worth it for the right folks.

    Coverage

    Nationwide offers extremely fantastic coverage to consumers. You can add onto an additional Nationwide policy, bringing your pet on board. You don’t have to stop with canines and felines, either. You can check the list on their website to see if this insurance covers any other pet you might have.

    Pros
    • Wellness
    • Illness
    • Emergency
    Not Covered
    • Taxes
    • Waste
    • Grooming
    • Boarding
    • Preexisting conditions

    Customer Service

    Since Nationwide has already a very established insurance company, it is not hard to get in contact with them. They have a customer service team on standby to answer any questions or to activate any policy you wish. You can also simply click a button on the site to get a free quote.

    Pricing

    Nationwide pet insurance can be a little bit on the pricey side. They also have low reimbursement rates, which can sometimes deter potential policyholders from choosing this company. However, they do have lots of coverage options that might work best for you, especially if you already have Nationwide for health, car, or life insurance.

    Special Perks/Savings

    Nationwide offers a 100% money-back guarantee after the first 10 days following activation. You can cancel the policy at any time during this window with no consequence. The only problem here is that you won’t actually get to try out the insurance and, therefore, won’t know if it worked for you or not.

    Pros
    • Exotic pet coverage
    • Fast quotes
    • Options for other insurance coverage
    Cons
    • Unclear website

    9. ASPCA Pet Insurance

    ASPCA Pet Health Insurance Logo

    Sample Premium $20-$100
    Deductible $100-$500
    Reimbursement Rate 70%-90%

    The ASPCA is such a leader in pet care and awareness that it’s no surprise they offer insurance for feline and canine companions.

    Coverage

    The ASPCA offers several different plans to choose from. You can get the Wellness plan that covers routine vet visits. Or you can select an accidents-only policy that covers emergency visits, surgeries, and illness.

    Covered
    • Accidents
    • Emergencies
    • Hereditary illness
    • Illness
    • Behavioral issues
    Not Covered
    • Preexisting conditions
    • Cosmetic procedures
    • Breeding costs
    • Preventative care

    Customer Service

    ASPCA has excellent customer service. There are many different avenues of contact on the website, so you can get in touch with the customer service team. Also, they offer a licensed veterinarian on staff to answer any questions you might have after hours.

    Pricing

    The ASPCA offers a variety of affordable plans that could potentially match any budget need. If you work with the company directly, they can tailor a policy specifically to suit all of your individual needs.

    Special Perks/Savings

    If you have more than one pet on a plan, you get a 10% discount for all of your plans. Also, you can be part of their Go Fetch pay reimbursement plan, which you can get more details about on the actual website itself.

    Pros
    • Lots of contact points
    • Affordable plans
    • Offers wellness plan option
    Cons
    • Add-ons can be pricey

    10. AKC Pet Insurance

    AKC Pet Insurance Logo

    Sample Premium $25-$55
    Deductible 70%-90%
    Reimbursement Rate $100-$1,000

    AKC Pet Insurance is last on our list, not because it’s not a noteworthy company, but because it covers canines only. This is a very good insurance company for breeders or AKC-registered dogs. But unfortunately, it won’t work for any other domesticated pet.

    Coverage

    The AKC provides very unique insurance coverage options that can benefit breeders the most.

    Covered
    • Injuries
    • Allergies
    • Broken bones
    • Cancer
    • Emergency care
    • Hospitalization
    • Lab tests
    • Physical therapy
    • Surgery
    • Tooth extraction
    Not Covered
    • Cats
    • Preexisting conditions

    Customer Service

    It might come as no surprise, but the AKC doesn’t slack on customer service. They offer a 24-hour veterinary hotline when you have a policy with them, and you can get in touch with the representative any time to get a free quote. You can also use the website to submit claims or make changes.

    Pricing

    The AKC can be a little pricey, but it can be worth it for the right people. They can have somewhat high deductibles, and their policies can get very pricey. For average coverage, there might be better options on our list. However, if you’re a breeder, you can reap the full benefits of this particular insurance coverage.

    Special Perks/Savings

    The AKC offers some discounts for breeders that participate in the AKC’s Breeder of Merit and Bred with H.E.A.R.T programs.

    Pros
    • Ideal for breeders
    Cons
    • Dogs only
    • Pricey coverage

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    Buyer’s Guide: How to Choose the Best Pet Insurance Provider in Ohio

    What to Look for in Pet Insurance (for Cats, Older Dogs, Etc.)

    If you are seeking the best coverage possible to fit your needs, you’ll want to look at specific categories. Here, we will go over the individual aspects of plans so you know what to compare.

    As you compare, consider your pet’s breed, current state of health, and age—as well as other areas like personal budget. Let’s dig in.

    Policy Coverage

    You might find that a lot of the policy coverage insurance companies offer are similar. Since these companies are competing, it makes sense that they often mirror each other. However, they do have specific coverage options that can cater to particular circumstances.

    Remember that most cover accidents, illness, and injury when you check out policies. But when it comes to preventative care, it’s usually an add-on or not included at all. So, if you want wellness coverage, seek companies that have this feature.

    Customer Service & Reputation

    The way a company treats policyholders speaks volumes. If you see that a specific company doesn’t have the best ratings with their customers, take time to scour over the different reviews so you can see what you can expect when you rely on them for coverage.

    Companies can make lots of promises but not pull through. Some will try to get out of paying the reimbursement rate they promise or drag their feet when it comes to payouts. Others are very timely and dependable.

    There is no greater way to be certain your pet will be taken care of in a time of need than to see if others are happy. You can read reviews on their websites, but we recommend also checking sites that are not biased.

    a woman explaining an insurance document to a couple
    Image Credit: Mikhail Nilov, Pexels

    Claim Repayment

    Most insurance companies have a window to repay the customer. This means that typically, you foot the bill upfront and receive reimbursement 2-10 days thereafter. However, some companies, like Trupanion, pay your vet directly at the time of checkout.

    Price of Policy

    One of the most important factors when choosing a company is selecting a premium within your budget. Most of the time, if you have coverage and default on payment, you’ll have to reinstate a new policy. Therefore, any condition diagnosed during that time will become a preexisting condition.

    So, it’s very essential to pick a policy price that you can cover anytime.

    Plan Customization

    For some, it’s vital to customize your plan to match your needs. Most companies have options to tailor policies to cover essential aspects of individual care.

    Young woman pet owner signs documents for prescriptions in veterinary clinic
    Image Credit: Vladeep, Shutterstock

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    FAQ

    Can I Get Pet Insurance Outside the U.S.?

    Certain pet insurance companies are available outside of the United States, but that is up to the individual company and how far their outreach is.

    What If My Insurance Company Is Not Listed In Your Reviews?

    If you already have pet insurance and it didn’t fall on our top 10 for Ohio—don’t switch because of that alone. Suppose you are happy with your coverage and can afford the monthly premium. In that case, there is no reason to make a switch—especially if any condition will count as a preexisting condition.

    Which Pet Insurance Provider Has the Best Consumer Reviews?

    Many of the insurance companies we mentioned have stellar reviews from happy policyholders.

    What Is the Best and Most Affordable Pet Insurance?

    Hands down, Bivvy has the cheapest pet insurance, offering a $15 premium without fail. Lemonade is a good deal for the money. And Embrace is still our favorite due to its versatility.

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    What the Users Say

    Many pet parents agree that having insurance for their fluffy, furry, scaly, or feathery companion is such a relief. It provides a layer of protection and comfort, knowing your pet can receive care at the most crucial times.

    Like anything else, certain people are dissatisfied with pet insurance for personal reasons. Perhaps coverage wasn’t appropriately explained when purchasing the policy or some fine print was missed.

    Regardless of the complaint, reviews can be beneficial in determining how people feel about a service. We saw mainly positive reviews because insurance alleviates a lot of the stress that comes with medical affording a dog or cat.

    Vet bills can be pricey and most people agree that they would rather have this added layer of protection than to be caught in an emergency situation with no financial solution.

    dog owner using laptop
    Image Credit: SpeedKingz, Shutterstock

    Which Pet Insurance Provider Is Best For You?

    All things considered, only you can choose what insurance company works best for your pet. Each pet will have unique care options to consider, which can change the company that works best for you.

    It’s important to look at all of the individual factors that play into insurance policies so you can get the right coverage to meet your needs. You can check each website for additional information if you have any additional questions.

    Don’t be afraid to shop around for quotes, either. You can access a free quote online or contact a customer service representative to see how much a policy for your dog, cat, or another critter will be.

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    Conclusion

    As you can see, there are many options for Ohio residents. Pet insurance will continue to grow in popularity, so expect a lot of changes in the future. Insurance is still a relatively new concept, but one that is crucial and will likely stay in the vet industry from this point forward.

    Embrace pet insurance remains our favorite because it is so versatile, and the coverage is excellent. Lemonade has policies to meet nearly any budget, making it the best for the money. And Figo might be a little pricier, but they also offer a 100% reimbursement rate, which beats out everything else on the list.

    Regardless of what you found most helpful, hopefully, you found the insurance company that will serve your pet as they deserve.

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    Featured Image Credit: Karolina Grabowska, Pexels

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