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Home > Insurance > What Is the Cost of Pet Insurance in Ohio (2024 Update)

What Is the Cost of Pet Insurance in Ohio (2024 Update)

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There’s no denying that pet insurance is increasing in availability and popularity. If you live in the state of Ohio, you might wonder what the average cost is and whether or not you can fit it into your budget. There are tons of ways that pet insurance can save you money in the long run.

But you will naturally want to ensure that the monthly premium is something you can squeeze into your monthly bills. If you want to grasp numbers, we compared some of the more popular companies side-by-side. Take a look!


The Importance of Pet Insurance

It is no secret that vet care can be costly, especially in the case of emergencies or extensive care. Routine visits might not break the bank too much, but when the unexpected hits, you never know what kind of financial state you will be in.

Much similar to insurance for people, pet insurance provides a layer of coverage and protection for those moments when your dog or cat needs extra care. Even though most pet insurance companies don’t cover preventative care, like routine visits, they have a broad selection of other features that make the monthly premium well worth the money.

As with any other company-based service, the prices will differ depending on what company you select and what they offer. But one thing is for sure, it’s best to have that layer of protection when your pet needs it than to be in an emergency and unable to foot the funds.

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How Much Does Pet Insurance Cost?

Pet insurance monthly premiums depend on the pet insurance company that you choose and the coverage options that you opt for. Below we have a graph that breaks down the most common pet insurance companies available in Ohio, along with their average prices.

If you want exact prices, it’s always best to get a quote from the website to get an accurate estimate.

Company Monthly Premium Reimbursement Rate Deductible
Nationwide $34-$64 50%-70% $100-$500
Pumpkin $40-$70 70%-90% $100-$500
Lemonade $20-$50 70%-90% $100-$500
Healthy Paws $30-$40 70%-90% $100-$1,000
Embrace $25-$40 70%-80% $200
Bivvy $15 50% $250
ASCPA $30-$45 70%-90% $250
AKC $25-$55 70%-90% $100-$1,000
Trupanion $50-$70 70%-90% $0-$1,000

Additional Costs to Anticipate

In addition to the monthly premium payment, you must pay the deductible During visits. Some companies have set deductibles, while others have multiple you can choose from depending on your coverage.

Also, if you make changes to your policy or add an add-on to the point of coverage, you can also expect costs to rise.

Some companies have a set rate you can lock, which will never change, while others go up with your pet’s age. Since health issues tend to increase as your pet gets older, risks for insurance companies also go out.

That is why you will often see an influx in your monthly premiums. But some companies, such as Trupanion, lock in the rate at the time of enrollment. It depends on the individual company. So, if locked-in rated is a feature you want, be sure to include that criteria in your search.

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Frequent Exclusions on Pet Insurance

Pre-existing conditions are rarely accepted when you’re getting health insurance. Also, if you have health insurance and your dog or cat develops a condition, if you lapse on that coverage, they will not be covered in the future.

The reason being is that this is now considered a pre-existing condition. It’s nice to know all of the ins and outs of pet insurance before you choose coverage, so you don’t make any mistakes or prevent acceptance in the future.

Some companies will accept pre-existing conditions if your pet has been symptom-free from the issue for 12 months or longer. If your pet has a pre-existing condition, it’s always best to check with the individual company to see if coverage is even an option.

How Often Should I Use Pet Insurance?

Pet sure insurance can be used on an as-needed basis. It really helps certain people who frequently visit the vet and don’t always have the funds to do so. However, there are certain plans where you can tack on preventative care, which means you get to use it at every vet visit.

Naturally, you’ll want to be sure that it’s worth your money. So always choose the policy that works best for your given situation. The entire purpose of it is to cover any expenses that are outside of preventative care.

But the real question is, what works best for your situation? Everybody will be different, which is why they’re professional staff on hand to help you make the most informed decision on what coverage to select.

Does Pet Insurance Cover Routine Vet Care?

As a standard practice, most pet insurance does not cover preventative care as part of the standard plans, which includes routine vaccinations and wellness visits. However, there are other add-ons to plans through certain companies where you can opt for these features.

Maine coon and chihuahua at vet's clinic
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Rewards from Pet Insurance

Some insurance companies offer awards for policyholders. Sometimes you can get a bonus for a referral or having multiple pets on the policy. Other insurance companies offer certain discounts such as adding new pets, for example.

Each company has its fair share of perks and rewards to make the company more appealing—take advantage! Say your pet is healthy for an entire year without having to use any of your insurance coverage. Your company might give a discounted monthly premium.

Find The Best Pet Insurance Companies in 2024



Insurance coverage is increasing for pets for a good reason. Ohio has much of the same coverage as the other 49 states. As vet care continues to rise in cost, it is a very smart idea to have an added layer of protection when your pets are in need.

But it’s always best to check with each insurance company to get a few quotes about your individual animal. Costs can be higher or lower depending on your situation and the current state of your pet’s health.

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