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Home > Insurance > What Is the Cost of Pet Insurance in Pennsylvania? 2024 Price Guide

What Is the Cost of Pet Insurance in Pennsylvania? 2024 Price Guide

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If you live in Pennsylvania and are considering purchasing pet insurance for your dog or cat, the cost can vary along with the coverage. The cost of insurance will depend on the pet, the breed, the age, and the coverage option you choose for your pet.


The Importance of Pet Insurance

Like other services, vet bills are becoming increasingly high. A pet emergency can set you back or render you helpless financially. Without pet insurance, you may be left with a heartbreaking decision about your pet’s health care. Whether it needs life-saving surgery or life-sustaining medication, proper insurance can ensure your pet can get the care and treatment it deserves.

To help you muddle through the coverage options and prices, we have put together a list of costs and things that affect the premiums for pet insurance in Pennsylvania. Our goal is to help pet owners make an informed decision when purchasing pet insurance.

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How Much Does Pet Insurance Cost?

There are a wide range of factors that will affect the price of pet insurance in Pennsylvania, including age, breed, and plan choice. The cost can be higher or lower for plans that customize the deductible, annual limit, and reimbursement rate. The addition of a wellness plan for routine care and exams will also raise the cost of the premium for pet insurance.

Pet insurance also varies significantly for dogs and cats. Insurance for a cat tends to be less expensive than for a dog. For instance, accident and illness insurance for a dog is about $50.00 per month, while the same insurance is around $28.00 per month for a cat.

When purchasing pet insurance, you have coverage options. You can choose an all-inclusive illness and accident or accident-only policy. The wellness plans are also optional but usually require another pet insurance plan to add on to.

The average cost for pet insurance ranges from $24.00 to $86.00 for a dog and $9.00 to $30.00 for a cat. Pet Insurance premiums can range from $10.00 to $100.00 per month, however. Decent coverage will cost between $30.00 and $50.00 per month on average for dogs and cats.

Wellness plans can tack on $15.00 to $40.00 per month to your regular premium for a dog and $10.00 to $34.00 per month for a cat.

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Additional Costs to Anticipate

If you are a dog owner, you can expect to pay much more for pet insurance than a cat owner, up to 74% more in fact. While the cost of pet insurance for a cat fluctuates, the cost for dogs has increased. Cat owners have been enjoying a decrease of about 11% and dog owners have been burdened with increases of up to 30% in the last five years.

Accident and illness policies have increased by 15% for dogs and 6% for cats. Accident-only policies have risen by 30% for dogs. Cat owners have seen an 11% decrease in accident-only insurance, however.

A dog owner can expect to pay an average of $50.00 for accident and illness coverage, while a cat owner can get the same coverage for about $28.00. The difference in the cost of accident-only coverage ranges from $18.00 for a dog and $11.00 for a cat.

There are companies that will charge a monthly service fee and a one-time processing fee. The fees are typically around $2.00 per month and/or a $25.00 one-time processing fee. However, not all companies charge these fees.

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How Often Should I Re-Evaluate Coverage?

It is recommended that you review your policy and coverages every year before the renewal date. Companies may change their provisions, coverages, and prices. It is always a good idea to compare prices and review plans. You may want to add or remove things from the policy. Changing companies can affect policy coverages like pre-existing conditions and age and should be done with caution, however.

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Does Pet Insurance Cover Pre-Existing Conditions?

Whether you are the proud owner of a cat or dog, do not expect to get insurance coverage for an illness or injury that was present before you bought coverage. It is considered a pre-existing condition, and it will be excluded from coverage. Some companies will, however, cover the injury or illness if the condition is curable and you have met the waiting period.

Some curable conditions include ear infections, bladder and urinary tract infections, respiratory infections, vomiting, and diarrhea. Other conditions like allergies and diabetes are considered incurable and will not be covered by insurance.

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Does Pet Insurance Cover Prescription Diets?

If your pet has an illness like diabetes or liver disease, the vet may suggest a specialized prescription diet. The cost can add up quickly since the food is usually expensive.

Unfortunately, coverage for prescription pet food varies greatly among pet insurance companies. Coverage will depend on things like the condition and the plan you purchased.

We recommend that you read the policy and ask questions prior to purchasing so you don’t have any surprises.

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Other Things to Consider

  • Does the company offer any discounts for multiple pet households?
  • What about military discounts? Senior citizen discounts?
  • Does the company have rewards programs like discounts for healthy pets?
  • Is there a cap on benefits?
  • Does the plan offer dental coverage for cleanings and dental illnesses?
  • Does the plan have breed-specific exclusions?
  • Does the plan cover acupuncture, chiropractic, or behavioral therapy?
  • Does the company have a network of veterinarians?
  • How do claims get paid?
  • How does the claim process work?
  • What customer service availability does the company provide?

These are all factors to consider and questions you may want to address with your agent prior to purchasing a pet insurance policy.

Find The Best Pet Insurance Companies in 2024


The cost of pet insurance can vary greatly depending on the coverage, the company, and the pet. The type of coverage will affect the cost of insurance so be sure to only purchase coverage that will fit your budget and benefit your pet.

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