Many or all companies we feature compensate us. Compensation and editorial research influence how products appear on a page. Personal Finance Best Pet Insurance in Ohio Updated Dec 08, 2023   |   14-min read Written by Timothy Moore Written by Timothy Moore Expertise: Bank accounts, credit cards, taxes, insurance, personal loans Timothy Moore is a personal finance and travel writer specializing in bank accounts, credit cards, taxes, and insurance. His passion is helping readers navigate life on a tight budget. Learn more about Timothy Moore Reviewed by Eric Kirste, CFP® Reviewed by Eric Kirste, CFP® Expertise: Debt management, tax planning, college planning, retirement planning, insurance planning, estate planning, investment planning, budgeting, comprehensive financial planning Eric Kirste CFP®, CIMA®, AIF®, is a founding principal wealth manager for Savvy Wealth. Eric brings 22 years of wealth management experience working with clients, families, and their businesses, and serving in different leadership capacities. Learn more about Eric Kirste, CFP® Being a pet parent means wanting the best for your dog or cat, but sometimes, the cost of veterinary care can be too high to give your pet the care they deserve. With pet insurance, you don’t have to make the hard choice of going into debt or skipping the care your pet needs. Instead, by budgeting for a monthly premium, you can get pet insurance coverage that will help you pay for emergency care for your best friend. But what’s the best pet insurance in Ohio, and what kind of policy should you be looking for? Below, we’ll walk you through how pet insurance works, what kind of coverage Ohioans might need, and the five best pet insurance companies in the Buckeye State. Table of Contents Skip to Section Pet insurance in OhioHow much is pet insurance in Ohio?Best pet insurance in OhioFAQ Pet insurance in Ohio Getting pet insurance in Ohio is easy; most companies have a simple quote process online. Simply compare quotes from a few companies, and then enroll in your preferred policy. When comparing pet insurance, consider the following: Monthly premium: How much you’ll spend for the coverage every monthDeductible: How much you have to spend in a year before coverage kicks inReimbursement rate: The percentage of the vet bill that insurance will pay after you meet your deductibleWaiting period: How long you have to wait after enrolling before coverage kicks inCoverage types: What the pet insurance covers—accident only, accident and illness, preventative care, end of life, behavioral, and dental, to name a few (note: some policies cover more conditions than others) “Start with researching what’s covered,” says Eric Kirste, CFP, when choosing a pet insurance provider. “If you have a particular breed and have concerns, review the fine print pertaining to the inclusion or exclusion of breed-related conditions in the overall cost.” “There are often exclusion categories that may include pre-existing conditions, hereditary conditions, congenital conditions, or conditions related to breeding,” Kirste says. “Pay special attention to all these items and how they may relate to your pet.” Then, Kirste says, compare insurance policies side-by-side to evaluate factors that may impact your costs. “Look at different types of plans, premiums, deductibles, co-pays, sample reimbursements, and plan details, including exclusions and any additional features,” he says. Considering this advice in our analysis, we found five companies that offer the best pet insurance in Ohio. Here’s a closer look. Lemonade: Best for fast claims View Rates 4.7 out of 5 stars Lightning-fast claims processEasy-to-use online platformMost affordable coverage Lemonade is one of the best pet insurance companies in Ohio, especially for pet parents on a budget. Lemonade notably has the lowest premiums of any insurer on our list, though its a la carte plans, which let you add additional coverages like physical therapy and dental illnesses, can get pricey if you want more comprehensive coverage. We also like Lemonade because of its easy-to-use online platform. Getting a quote is easy—Lemonade makes it feel like you’re chatting with a friend as you apply. And when it comes time for getting reimbursed for your claims? Lemonade’s one of the best in the business. Coverage also starts fast with Lemonade; the waiting period for accidents is only 48 hours (though you’ll have to wait two weeks before illness coverage kicks in). Annual coverage: $5,000, $10,000, $20,000, $50,000, or $100,000Reimbursement: 70%, 80%, or 90%Deductible: $100, $250, $500, or $750Waiting period: 2 days for accidents, 14 days for illnesses, and 6 months for cruciate ligament eventsPet age restrictions: Not published on website, but we could not get quotes for dogs 10+ or cats 12+ approved; pets must be at least two months old to get coverage Check out our Lemonade pet insurance review for more details. Fetch: Best coverage View Rates 4.9 out of 5 stars Most comprehensive coverage availableCoverage for breed-specific issues, dental, and cancerNo lifetime limits While Lemonade takes a piecemeal approach, Fetch gives you a huge range of coverages under one single plan. You’ll get everything from behavioral issues and acupuncture to cancer treatment and swallowed objects covered with the core plan at Fetch. You can enhance that coverage with one of three wellness plans, as well. Fetch doesn’t have any breed restrictions, there are no upper age limits for policies, and you can get at-home and virtual care reimbursed. The waiting period is a little longer than we’d like to see, and the highest annual coverage limit is only $15,000. Most pet parents won’t exceed that, but getting unlimited coverage is nice for those “what ifs,” like cancer treatment or major surgery. Annual coverage: $5,000, $10,000, or $15,000Reimbursement: 70%, 80%, or 90%Deductible: $300, $500, or $700Waiting period: Up to 15 days for accident and illness and 6 months for hip and knee injuriesPet age restrictions: Pets must be at least six weeks old; there is no upper age limit Check out our Fetch pet insurance review for more details. Spot: Best variety of terms View Rates 4.5 out of 5 stars 105 policy combinations to choose from24/7 pet parent helplineGreat discounts Ohioans with multiple pets should consider Spot, which has one of the best multi-pet discounts available (10%). AAA members can get an additional 10% off. On top of the discounts, Spot offers decent pricing, falling somewhere in the middle. Of course, Spot pet insurance plans get more expensive if you choose the unlimited coverage limit option. But for worried pet parents who never want to max out coverage, no matter what treatment their four-legged friend needs, unlimited coverage is the way to go. Speaking of worried pet parents, Spot also offers a 24/7 helpline for pet parents with questions and concerns. Spot gives you the power of choice. Pet parents can choose from 105 different policy combinations (coverage limits, reimbursement rates, deductibles, etc.) Annual coverage: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, or unlimitedReimbursement: 70%, 80%, or 90%Deductible: $100, $250, $500, $750, or $1,000Waiting period: 14 days for accidents and illnessesPet age restrictions: Pets must be at least six weeks old; there is no upper age limit Check out our Spot pet insurance review for more details. Embrace: Best for quick coverage View Rates 4.7 out of 5 stars Unlimited reimbursement optionCoverage option for some pre-existing conditionsTwo-day waiting period for accidents The pet insurance industry famously doesn’t cover pre-existing conditions. Nearly every company refuses to cover treatment for any medical issue your pet has before the policy starts (and before the waiting period is over). Embrace makes pet insurance for pre-existing conditions possible. Embrace is also a great pet insurance choice for parents in the Buckeye State because it offers a range of perks, such as an around-the-clock helpline, multi-pet discount, unlimited reimbursement (if you want it; it’s expensive), and a two-day waiting period for accidents. Embrace has strong customer reviews on websites like Trustpilot. Be sure to read multiple pet insurance reviews from third parties and actual customers before enrolling with any insurer. Annual coverage: $5,000, $8,000, $10,000, $15,000, or unlimitedReimbursement: 70%, 80%, or 90%Deductible: $100, $250, $500, $750, or $1,000Waiting period: 2 days for accidents, 14 days for illnesses, and 6 months for orthopedic conditions (14 days with waiver)Pet age restrictions: Pets who are 15 or older can only qualify for accident-only plans; pets must be six weeks to enroll Check out our Embrace pet insurance review for more details. Trupanion: Best for direct vet payments View Rates 4.4 out of 5 stars Direct vet paymentNo price increases as pets ageCondition-specific deductibles Trupanion is one of the best pet insurance options in Ohio, though it’s also one of the most expensive. Trupanion operates with lifetime deductibles per condition. So rather than meet a single annual deductible every year, you’ll simply have one deductible per issue, such as ear infections. Once you’ve met that deductible, that issue is covered for the rest of your pet’s life. You can choose deductible amounts as little as $0. That means you pay nothing at the vet—though your monthly premium will be outrageously expensive. Trupanion offers a single reimbursement rate (90%), and coverage is unlimited. That makes signing up for a policy quite easy; there aren’t a lot of choices. Another major win for Trupanion? You don’t have to wait through a lengthy claims process to get reimbursed for expensive vet bills. Instead, Trupanion has a direct vet payment option—you never have to pay a cent at the vet. Annual coverage: UnlimitedReimbursement: 90%Deductible: $0 to $1,000Waiting period: 5 days for injuries, 30 days for illnessesPet age restrictions: Pets who are 15+ are not eligible Check out our Trupanion pet insurance review for more details. How much is pet insurance in Ohio? The average cost of pet insurance in Ohio is $46.63, though pet parents in the Buckeye State looking to save money spend roughly $30.23 on accident-only pet insurance plans. But not every city in Ohio has the same average rates for pet insurance. In the following sections, we’ve fetched rates for all five of the insurers on our list of the best pet insurance in Ohio to see how rates change depending on where in Ohio you live. We kept everything else constant: Pet: Dog (his name’s Dave, and he’s pleased to meet you!)Age: 3 yearsBreed: MixedSize: MediumHealth: No current conditions For an accurate assessment, we kept deductibles, coverages, and reimbursement rates as similar as possible. Prices may vary from one company to the next because of the differing coverages included in their plans. Trupanion’s policy works slightly differently from the other four, with its unlimited coverage, deductible per issue, and 90% reimbursement rate for all policies. Tip In addition to location, the cost of pet insurance also depends on the type, breed, and age of your pet, as well as what coverage, deductibles, and reimbursement rates you choose. How much is pet insurance in Columbus? The average monthly cost of pet insurance in Columbus across the five insurance companies on our list is $37.54. We generated sample quotes at all five companies for a pet parent living in the family-friendly community of Westerville (43081). Other areas of Columbus with higher or lower income may yield different rates. The table below shows the details of each quote for our imaginary good boy, Dave. Quote detailsLemonadeFetchSpotEmbraceTrupanionDeductible$500$500$500$500$500Annual coverage limit$10,000$10,000$10,000$10,000UnlimitedReimbursement rate80%80%80%80%90%Monthly premium$14.93$35.85$34.89$28.79$73.24 How much is pet insurance in Cleveland? The average monthly cost of pet insurance in Cleveland across the five insurance companies on our list is $38.60. We generated sample quotes at all five companies for a pet parent living near the University of Cleveland as a student (44115). Other areas of Cleveland with higher or lower income may yield different rates. You can see all the details of the quote for our imaginary dog, Dave, in the table below. Good boy, Dave! Quote detailsLemonadeFetchSpotEmbraceTrupanionDeductible$500$500$500$500$500Annual coverage limit$10,000$10,000$10,000$10,000UnlimitedReimbursement rate80%80%80%80%90%Monthly premium$15.38$35.85$38.48$27.57$75.70 How much is pet insurance in Cincinnati? The average monthly cost of pet insurance in Cincinnati across the five insurance companies on our list is $41.23. We generated sample quotes at all five companies for a pet parent living just outside downtown, in the trendy community of Prospect Hill (45202). Other areas of Cincinnati with higher or lower income may yield different rates. Check out the table below to see the quote details and resulting premiums for favorite imaginary dog, Dave. Quote detailsLemonadeFetchSpotEmbraceTrupanionDeductible$500$500$500$500$500Annual coverage limit$10,000$10,000$10,000$10,000UnlimitedReimbursement rate80%80%80%80%90%Monthly premium$14.93$47.99$34.89$27.57$80.78 How much is pet insurance in Toledo? The average monthly cost of pet insurance in Toledo across the five insurance companies on our list is $35.57. We generated sample quotes at all five companies for a pet parent living in the quiet suburb of Ottawa Hills (43606). Other areas of Toledo with higher or lower income may yield different rates. Our imaginary dog, Dave, sniffed out monthly premiums for all five insurers on our list using the following quote information: Quote detailsLemonadeFetchSpotEmbraceTrupanionDeductible$500$500$500$500$500Annual coverage limit$10,000$10,000$10,000$10,000UnlimitedReimbursement rate80%80%80%80%90%Monthly premium$14.93$35.85$28.07$27.57$71.45 How much is pet insurance in Akron? The average monthly cost of pet insurance in Akron across the five insurance companies on our list is $40.28. We generated sample quotes at all five companies for a pet parent living in the heart of downtown (44308). Other areas of Akron with higher or lower income may yield different rates. The table below shows quote details for our good boy, Dave, across all five top insurers. Quote detailsLemonadeFetchSpotEmbraceTrupanionDeductible$500$500$500$500$500Annual coverage limit$10,000$10,000$10,000$10,000UnlimitedReimbursement rate80%80%80%80%90%Monthly premium$14.93$35.85$38.48$36.12$76.00 How does pet insurance in Ohio compare with the rest of the country? Ohio is among the cheaper states to buy pet insurance in, just outside the top 15. The average cost of pet insurance in the U.S. is $48.60, compared to the $44.67 monthly premium the average Ohioan pays. Costs, of course, depend on more than just where you live. The type of pet you have, its breed, and its health at enrollment all play a part in calculating rate, as do the coverage options, deductible, reimbursement rate, and annual coverage cap you select. That said, the table below breaks down average Ohio pet insurance premiums overall compared to the national average and compared to Hawaii (the most expensive state for pet insurance) and Kansas (the cheapest state for pet insurance): LocationAverage Monthly PremiumKansas$25.44Ohio$44.67U.S. average$48.60Hawaii$65.50 “Weigh the monthly cost of pet insurance against potential vet expenses to determine if pet insurance is worth it for you,” Kirste advises. A major attraction of pet insurance is to have financial protection against major vet bills.” If you end up with a large, unexpected vet bill, what you’ve paid in premiums may be a lot less than what you receive in reimbursement,” he says. “However, expect pet insurance not to always cover all the cost (after the deductible). ““If you aren’t worried about how to pay for a large vet bill, your pet may not need the insurance. With most insurance, you hope to never use it,” Kirste continues. “However, if your pet does need expensive medical care, you’ll likely be have peace of mind that insurance is in place.” Best pet insurance in Ohio Choosing the best pet insurance in Ohio depends on your needs. Your pet’s age or breed, for instance, may mean they need specific coverages only offered by some insurers. You might want a plan that has no coverage caps, or you might want to prioritize the most affordable pet insurance. Below, you’ll find our five choices for the best pet insurance in Ohio, but you should consider getting quotes from even more options to compare. After all, this is an important decision for your finances and your furry friend: Lemonade: Best for affordability, best for fast claims process, best for short waiting periodFetch: Best for comprehensive coverage, best for at-home and virtual care, best for breed-specific issuesSpot: Best for policy customization, best for discounts, best for older petsEmbrace: Best for short waiting period, best for pre-existing conditions, best for unlimited reimbursementsTrupanion: Best for direct vet payments, best for lifetime deductibles for chronic issues, best for newborn puppies and kittens FAQ What is the least expensive pet insurance company in Ohio? Lemonade consistently has some of the cheapest pet insurance in Ohio. Across the five Ohio cities for which we generated quotes for a healthy, three-year-old dog named Dave, Lemonade averaged $15.02 a month for basic coverage. Keep in mind, Lemonade’s basic policies cover a lot less than a basic policy at a pet insurance company like Spot. It’s important to balance what’s covered, deductibles, reimbursement rates, premiums, and customer reviews when looking for the best pet insurance in Ohio. What is the most expensive pet insurance company in Ohio? On our list of the best pet insurance in Ohio, Trupanion consistently generated the most expensive quotes. This makes sense, as Trupanion only offers a 90% reimbursement rate and unlimited lifetime coverage. Trupanion’s policy could wind up saving you a lot of money over the lifetime of your pet, but you’ll certainly have larger monthly premiums to enjoy that level of coverage and reimbursement. Can I use my current veterinarian with pet insurance? Unlike human health insurance policies, which have in-network and out-of-network doctors and medical facilities, pet insurance should work with any vet. Always double-check your policy to be sure, but the best pet insurance companies in Ohio allow you to have your furry friend treated at any licensed vet—and as long as it’s a covered condition and you’ve met your deductible, you can anticipate reimbursement for the cost of care.