Best Pet Insurance in Delaware

Choosing the right pet insurance company for you and your dog or other pets in Delaware can be a frustrating and confusing process. How much coverage will my plan provide? How fast will I be reimbursed? Are there any health issues not covered?

Here at iHeartDogs, we created an easy comparison below of all the major pet insurance brands in Delaware and across the US. You can also use the form below to receive a no obligation quote from all the major pet insurance carriers at once, allowing you to compare pricing and coverage:

State of Delaware Pet Insurance

Let’s take a deep dive into the features and benefits of each of the major pet insurance brands here in Delaware and across the USA. Simply scroll to the right to view all the brands:

Pets Best
Lemonade
ManyPets
Trupanion
FIGO
HealthyPaws
Prudent Pet
Embrace
Wagmo
Company
Company
Pets Best
Lemonade
ManyPets
Trupanion
FIGO
HealthyPaws
Prudent Pet
Embrace
Wagmo
Annual Coverage
Annual Coverage
$5,000 or Unlimited
Up To $100,000
Unlimited
Unlimited
$5,000 or Unlimited
Unlimited
$10,000 or Unlimited
$5,000 - $30,000
Unlimited
Multi-pet Discount?
Multi-pet Discount?
Yes
Yes
No
No
Yes
No
Yes
Yes
No
What They Do Best
What They Do Best
Best for plan customization
Great pricing for puppies & kittens
$0 copay option. No fees for paying monthly.
Best for paying claims to veterinarian direct
Short waiting periods
Best for paying claims fast
Best Trustpilot reviews
Best plan for superior benefits
Fast claims. Wellness plan available.
iHeartDogs Customer Rating ⭐⭐⭐⭐⭐
iHeartDogs Customer Rating ⭐⭐⭐⭐⭐
4.3 / 5
4.6 / 5
4.7 / 5
4.5 / 5
4.1 / 5
4.4 / 5
4.5 / 5
4.5 / 5
4.1 / 5
Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)
Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)
Yes
Yes
Yes
No
No
No
No
Yes
Yes
Example Quote for 1 Year Old 30 lb Mixed Breed
Example Quote for 1 Year Old 30 lb Mixed Breed
$35.81 per month
$20.00 per month
$30.00 per month
$68.25 per month
$69.30 per month
$26.25 per month
$73.46 per month
$42.35 per month
$15.00
Reimbursement Amount
Reimbursement Amount
90%, 80%, or 70%
90%, 80%, or 70%
90%, 80%, or 70%
90%
100%, 90%, 80%, or 70%
90%, 80%, 70%, 60%, or 50%
90%, 80%, or 70%
90%, 80%, or 70%
100% or 90%
Annual Deductible
Annual Deductible
$50, $100, $200, $250, $500, or $1,000
$100, $250, or $500
$100, $250, or $500
$0 to $1,000
$100, $250, $500, or $750
$100, $250, $500, $750, or $1,000
$100, $250, $500, or $1,000
$200, $300, $500, $750, or $1,000
$250, $500, or $1,000

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Receive a Free No-Obligation Quote from All the Pet Insurance Carriers At Once
Rather than visiting each insurance carrier’s website, you can use the form below to receive a no obligation quote from all the pet insurance carriers at once, allowing you to easily compare:

Which pet insurance company is best?

Delaware Pet Insurance FAQs

Which Insurance Is Best For My Dog In Delaware?

Customers in Delaware have the option of the most well-known insurance companies. ASPCA Pet Health Insurance, Pets Best, Petplan, Hartville Pet Insurance, Spot, Many Pets, and Figo are just a handful of the firms that offer pet insurance. Other options include Embrace, Pumpkin, and Wagmo. The latter offers one of the best for wellness and reimburses up to 100 percent of vet frees for the rest of the year after the deductible is met.

As you can see, each organization has its unique set of benefits and drawbacks. There is no single pet insurance coverage that will suit every family or pet, which is why there are so many options on the market. Before choosing providers, determine which features you require and can afford so that salespeople do not derail your demands.

Do I Legally Have To Insurance My Dog In Delaware?

Delaware has laws requiring liability insurance for dangerous dogs but, like other states, does not mandate pet insurance. However, pet insurance is a wise investment as veterinary care costs continue to climb, making them unaffordable for most families. Furthermore, non-insured pet owners may be unable to provide life-saving care to their animals without insurance.

Is It Smart To Have Dog Insurance?

Accidents and diseases can be costly, so pet insurance can make emergencies and illnesses affordable for families who cannot afford veterinarian services due to price. Insurance pays for expensive pet medical expenditures, making it worthwhile. The greatest advantage of pet health insurance is the peace of mind it provides, as one out of three dogs will need care every year.

Pet insurance may even save your dog’s life, as many pet owners may be forced to euthanize their pets if they cannot afford a large upfront expense. Wellness, accidents, illness, and ailments are all covered by pet insurance. If you can not afford to pay for all of your pet’s requirements out of pocket, pet insurance is a wise investment. A policy that costs between $200 and $600 per year might save you thousands of dollars if your pet develops health problems, making it well worth the money.

What Is The Cheapest Insurance For A Dog In Delaware?

Pawp is an affordable and smart option as they may cover up to six pets for $24 per month, regardless of age, breed, or pre-existing conditions. Pet parents prefer Pawp’s emergency fund because there are no copays, deductibles, or credit checks. You can take your pet to any veterinarian you choose, and when you leave the hospital, the entire balance will be paid. Figo and Pets Best offer the most affordable rates compared to many other options.

Does Pet Insurance Pay For Vaccinations?

Some pet insurance companies will pay for vaccines such as Pet’s Best and Embrace, but you may have to pay more for the plan as it’s considered wellness care usually.

Can I Get Pet Insurance After Diagnosis In Delaware?

Most insurances for pets do not cover pre-existing conditions. On the other hand, if your pet is healthy and you have waited the necessary amount of time before applying for insurance for them, you should be able to do so if they do not have any pre-existing conditions.

However, Pawp covers all pets in an emergency, even if related to a pre-existing condition – making them stand out from other pet insurance companies. Keep in mind, they only cover pre-existing conditions if it’s an emergency situation and do not cover any other aspect of known illnesses before insurance.

Is Medication Covered By Pet Insurance?

Yes, most pet insurance companies cover some or all of the price of drugs, including older dog meds. However, because older dogs require more medications, premium costs rise to compensate for the difference, making the policy more cost-effective for insurance firms.

Does Lifetime Pet Insurance Go Up Every Year In Delaware?

Most dog owners buy insurance while their pets are younger because monthly payments are lower. As the dog ages, most businesses’ prices rise after four or five years. As with human health insurance, pet insurance costs rise with age. Prices may not rise every year, depending on each pet’s health.

Why Is Pet Insurance So Expensive In Delaware?

Delaware pet insurance costs are a little higher than the national average due to higher living costs in the state. First, the state has a high rate of canine Lyme disease carried by the deer ticks. Areas with tall grass, marshes, and thick brush are likely to have more ticks, and dogs can get sick in one to two days. Get your pets a Lyme vaccine and a tick collar or meds if you live in this state.

Additionally, the state has a lot of water, including jellyfish and sea lice which affect pets. In Delaware, hot, humid weather can dehydrate dogs, as can the sun. Check with your vet for other local health problems that can affect your pet’s health.

Next, new and improved healthy technology leads to additional services and higher prices. As animal-friendly technology raises prices, pet insurance prices increase to make it a cost-effective business. Furthermore, newer specialties, treatments, and drugs spike prices too. These developments have made physicians and pet owners less reluctant to euthanize a pet in chronic discomfort.

All the changes have raised owners’ expectations. High owner expectations need expensive diagnostic workups. Many non-insured pets currently defer long investigations for non-critically ill pets, which might save vets money. Regularly testing for small symptoms can help discover certain serious illnesses and reduce pet insurance costs.

Can You Use Delaware Pet Insurance Anywhere In The Country?

Most pet insurance companies cover your pet in any state and usually expect the customer to pay upfront and then get reimbursed. Check with the insurance company first if you travel often. Also, some insurance companies do not allow you to choose the veterinarian or clinic could be prohibitive.

What Is The Annual Limit For Pet Insurance?

The deductible level you choose can greatly impact your premiums and annual limit. However, most pet insurance companies have a max limit of $10,000, with a few going as high as $30,000 with higher plan costs. The limit refers to the most a pet insurance will pay for your pet per year. In addition, pet insurance providers may have an annual condition limit or a maximum payout for a single health condition per year.

In addition, if pet insurance offers no annual limits, this means no cap on veterinary claims payouts. After your deductible, your pet’s covered veterinary expenses will be reimbursed at the policy rate. However, certain health conditions may have coverage limits. For example, some insurers will not cover hip dysplasia in older dogs and other conditions.

Annual limits do not accumulate and cannot roll over into the next year. If you reach your annual pet insurance limit, you will pay for any additional costs.
Also, if a policy’s annual limit does not cover your pet’s vet bills, you may want to switch providers for better coverage.

What Is The Average Monthly Payment For Pet Insurance In Delaware?

Prices for insurance in Delaware can range anywhere from $17 to $116, depending on the features and coverage of the policy. Delaware has higher monthly rates than many other states but averages around $43 to $55 per month. The more coverage you choose the more you will pay, so figure out your budget first before finding a plan.

What Pet Insurance Is Most Widely Accepted In Delaware?

Most widely known and popular pet insurance companies are available in Delaware and accepted at most veterinarian clinics. Some insurance companies will pay the vet upfront, but others will reimburse customers after doing more work for the pet owners. Look for the words refund when signing up or ask the company directly. Some companies that pay the vet directly include Trupanion, Pet’s Best, and Pet Plan.

Which Pet Insurance Company Does iHeartDogs.com Recommend?

Our recommendation depends very much on your individual situation. You can compare quotes for your dog’s age and your location here. We can report that Trupanion, HealthyPaws, and Pets Best are very popular with iHeartDogs supporters.

Compare Pet Insurance Companies. Which is best?

What do iHeartDogs Readers Think About Pet Insurance?

Is Pet Insurance Worth It? - We asked [33] Dog Owners and Here's What They Said

Pet insurance is "worth it" if you can afford the cost of the insurance, but could not afford an emergency vet bill. However, the best plan is to only get a pet if you can afford vet care, & to have a special savings account set aside for pet emergency care. - Louise 

Very much worth it. I have Nationwide. It used to be VPI. It doesn’t cover things in full, but it very much helps. More then paid for itself with my first two dogs. Haven’t needed it much with the two I have now but if something happens, I won’t hesitate to get the best treatment I can. It really helps. - Beth

Yes it is worth it. But you need to shop wisely for it. I have care credit that is used when needed. With no excluded treatments because it's up to me! Great rates and options to pay back. Saved my bank account a number of times. - Jennifer

Always worth it with my previous pet dog, Louie (French bulldog) and current pet dog, Lucy (dachshund).
It’s more than paid for itself each time. Unless you can cough up $10,000 for an emergency surgery I suggest you get pet insurance. Healthy Paws I highly recommend!!! - Leo

My vet one time said...my a "Dogs are Expensive" account. Whatever the going rate for pet insurance is...say $100...put that monthly in the "D A E" account. If you are ahead at the end of the year roll that money over....then, if you do need a big sum you have it, and if you don't the $ is in your pocket and not the insurance company's... whatever you decide..good luck! - Peggy

With my last dog no. I paid 17 years and never made a claim. With the two I have now definitely. My JR managed to get a dog toy piece stuck in her intestine - hugh, expensive op so worth it. I don't like the fact that even though my dogs are both young, the premium has gone way up however. 3&2 are not senior dogs. - Kit

Before just checking quotes check with your vet or ones in your area. The one problem with many pet insurances it actually may affect the cost a vet or clinic may charge for a service based on what they may have to pay or what they need to do get paid. For example a base xray charge may be $100 if you pay yourself but say you use insurance A that may cost the clinic so much a year to be a member or requires so much documentation or takes so long for payment may increase the charge to $130-150 .Then if you have a deductible you will be paying more. Your vet will also know which ones are more reliable for your area and for the needs for your breed. - Candi

I would never have a pet without insurance. Way too risky for those sudden and age related injuries/health issues . Everyday check- ups and vaccines are incidental costs compared to many things that can go wrong w ur furry family member ❤️ - Holly

I'm furious that insurance companies have now made owning pets incredibly expensive. Once insurance companies enter into the equation, the price for everything goes "through the roof." I wish these monsters would be regulated and insurance, health care was NON PROFIT!!!!!! - Rhonda

Yes Healthy Paws has been great. My Boston is on constant eye meds for about 6 years and 2 surgeries. I have 80 percent and they pay right away. - Lynda

Worth it if you plan ahead. One of my dogs I adopted and got insurance a year or so later and insurance has denied EVERYTHING…even an ear infection at 10 years old, as a preexisting condition because she had one when she was 3years old. My other dog I got insurance right away (lesson learned!) and it has been a huge benefit because ten years later he had significant medical expenses that were covered at 90% I could not be more thankful to have the insurance - Shannon

Definitely worth every penny! Our Shitz tore her ACL, swallowed my husband’s hearing aid, puts everything in her mouth!!! We have Healthy Paws. Very pleased. Just wish we went with 90% coverage instead of 80%. Get it BEFORE they have an issue!! - Jan

Nope not worth it. I love my babies but, it's like human insurance, Hardly worth getting. More n likely whatever your pet has insurance won't cover it so your still gonna pay out the ying yang. So here we are paying out the ying yang for insurance and still paying high dollar to a vet. - Nancy

Yes. My sweet hound developed allergies. The insurance covers are $73. Apoquel prescription plus everything else that goes wrong. She had a cough with meds the bill was over $400. Very happy we have insurance. - Pamela

Yes! For 10 years I never had to use it. Then my dog got very sick and needed to go to the animal hospital. She was diagnosed with diabetes and cushings disease and the costs for all the medications and testing she undergoes until we get her regulated is exorbitant. With the insurance I’ve been getting most of it back. - Erica

Worth it! Preventative/wellness services usually aren't included with accident/injury plans, but most insurances offer that separately (for more money). Get coverage asap when you get a pet... preexisting conditions are almost never covered and the older a dog gets, the higher the cost gets. I had Nationwide through my previous employer. The plans were supposed to follow my pets for life, after I left the job, but (long story short) the plans were cancelled. So now I'm getting new insurance through ManyPets for a dog who was 9 when I got the Nationwide plan, but is now 13 - with preexisting conditions. For all three of my dogs, it's about $235/month (that's with the optional wellness plans added for each). But if anything happens to any of my "kids", I pay a $250 annual deductible, then ManyPets covers 80% - with no lifetime limit. - Andrea

Yes. It's worth it. You never know what might happen. I see so many go fund me's to help animals when insurance would have covered it. Fyi, Trupanion is slightly more expensive but can pay the Vet directly if the Vet is signed up on their system. I have my 2 dogs and 2 cats covered. - Blythe

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Thanks for reviewing our guide to comparing pet insurance brands. Below you find some additional pet insurance resources from iHeartDogs.com

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