Pet Insurance in Ohio

Choosing the right pet insurance company for you and your dog or other pets in Ohio 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 Ohio 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:

Best Pet Health Insurance For Dog in Ohio

Let’s take a deep dive into the features and benefits of each of the major pet insurance brands here in Ohio 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

iHeartDogs is reader-supported. When you buy via links on our site, we may earn an affiliate commission at no extra cost to you.

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?

Ohio Pet Insurance FAQs

How Much Does Pet Insurance Cost Ohio?

The typical pet insurance cost in Ohio is $20 to $87 per month for dogs and $12 to $46 per month for cats, depending on age, breed, and region. Multiple variables affect pet insurance premiums. For example, dog insurance is more expensive than cat insurance due to age-related health difficulties. 

Pet health issues can be expensive to treat and cover, raising premiums. After six years, plan premiums grow because pets suffer cataracts, arthritis, and cancer. In addition, some breeds have genetic or age-related health issues. For example, large dogs like Great Danes and German Shepherds may age and develop heart and hip problems, raising premiums.

How Much Is Pet Insurance Every Month?

The cost of pet insurance varies substantially. Monthly costs can range from $10 to $140 nationwide, but most pet owners can expect to pay between $30 and $50 per month for a plan that provides adequate coverage. For accident and illness policies, dogs are 74 percent more expensive than cats. The average monthly premium for dog insurance across the top pet insurers was $45.

How Much Is Pet Insurance A Year?

The annual insurance cost is calculated by multiplying the monthly premium by twelve, plus your deductible. For Ohio, the range is between $20 to $87 per month, which leads to a range between $240 to $1044 before adding in the annual deductible. Add in a deductible of $250, $500, or $1000, and the rates can increase dramatically. 

Does Pet Insurance Cost A Lot?

When people face a financial crisis, they may be forced to make difficult decisions to keep within a sustainable budget. If a person has a pet, this can be a concern if that pet needs medical attention. For many people, treating their pets with proper veterinarian care can rapidly become a financial burden. This is especially true for pet owners who are on a tight budget. Pet insurance, on the other hand, is intended to assist. 

Pet insurance can help customers save money by reimbursing them for covered services and even medications for a reasonably modest cost. The type and scope of covered services are determined by the insurance policy chosen. When money is tight, consumers may turn to lower-cost or even free pet insurance to help them get by.

Keep in mind that pets have much shorter lifespans than humans and often experience health concerns much faster, including those from old age. While pet insurance seems expensive, it’s often less than a single meal at a restaurant for two people. The low cost can also help you save hundreds or even thousands of dollars throughout your pet’s life.

What Is Usually Covered Under Pet Insurance?

Most pet insurance policies cover unexpected injuries, accidents, unexpected diseases, surgery, medication, tests, diagnostics, emergency treatment, and exam expenses in general. However, not every item in those areas is often reimbursable. With add-ons, the list of coverage can increase. Although, if you choose an accident-only policy, you will not receive as much coverage.

Does Pet Insurance Increase With Age?

When it comes to premium hikes, the most common reason is age. As pets age, their chances of becoming ill or injured increase, increasing the cost of insurance. However, several other factors influence your premium, including your pet’s breed and the cost of veterinary treatment in your location.

Can Pet Insurance Be Used Anywhere?

As most pet insurance companies reimburse their customers, you can use the insurance anywhere. Always check the fine print as most companies limit their insurance to the United States and Canada. You can usually choose your own veterinarian or clinic as pet insurance does not rely on a network. 

Is Spaying Covered By Pet Insurance?

Spaying and neutering are not part of a comprehensive policy at standard deduction rates. However, most companies offer spaying and neutering under preventive care, including a wellness policy. 

Do You Have To Have Dog Insurance?

No one nor the government will force you to have dog insurance; it’s a smart idea, especially if you live on a tight budget. Unexpected pet emergencies can quickly reach thousands of dollars which most people cannot afford. People are then forced to choose between putting their pets down or living in financial distress. Most veterinarian clinics do not allow payment plans, and the bill must be paid upfront. 

Additionally, pets in Ohio are likely to suffer from various uncontrollable environmental hazards such as allergies, ticks, fleas, extreme weather, and wild animals. If you cannot afford to set aside thousands of dollars for emergency pet care, the only way to get the emergency fund is through monthly payments through pet health insurance. 

Next, a veterinarian’s job is made easier by insurance. They can perform all the tests necessary to provide an accurate and speedy diagnosis. This equates to more alternatives for families and speedier treatment for your pet. 

The majority of insurance lets you choose any licensed veterinarian in the United States. If you live in Ohio, you can continue seeing your present veterinarian or seeking alternative therapy. Even when you are traveling outside of the state, you can still get care for your pet, including in Canada for most insurance companies. 

Why Do Male Cats Cost More To Insure?

Male cats are more prone to health problems, some of which are lifestyle-related. In addition, males are more accident-prone and territorial; therefore, pet insurance is more expensive. Male pets file more insurance claims than females, which is why male cat insurance may cost extra. 

Next, male outdoor cats may fight more than females as males are territorial and do not want another cat near them or their house. Most people neuter their male cats to reduce their territoriality, yet they are naturally protective. Even if your male cat stays indoors, he can fight with other cats. Accidents happen, and it only takes one scratch to hurt another cat.

Does Pet Insurance Cover Diagnostic Tests?

Yes, a comprehensive plan will cover diagnostic tests. An accidental plan covers diagnostic testing, too but only for problems related to an accident. There are exceptions, such as pregnancy diagnostic testing, not covered by your policy.

What Is An Annual Deductible On Pet Insurance?

A deductible is the amount you have to pay out of pocket before your insurance kicks in. If you have a $250 annual deductible and a $250 vet bill, for example, you must pay the entire bill yourself. However, if you return to the veterinarian within a year, your insurer will reimburse you up to the policy limits. Choosing a higher deductible will help you save money on your insurance costs. However, you will have to pay a higher out-of-pocket fee upfront.

Can I Insure A 10-Year-Old Dog?

You can acquire insurance for older dogs, although their premiums may be higher than for younger pets. Some insurers have an enrollment age limit. If your dog is 11 and the insurance provider has a maximum age limit of 10, you can not enroll your dog. Pet insurance will not cover pre-existing conditions, so enroll them early to cover age-related diseases.

Does Pet Insurance Cover MRI Scans?

A comprehensive pet insurance plan includes MRIs, and CT scans to diagnose neurological or musculoskeletal disorders. In the policy documents, you can discover covered items and tests. As a pet insurance buyer, choose a plan that offers maximum coverage and is inexpensive. Accidental insurance may cover MRI scans pertaining to an accident.

How Would Pet Insurance Know About Pre-Existing Conditions?

Pre-existing conditions that emerge before the accident or sickness waiting period are not covered. If your policy starts after the incident, you can not file a claim for your pet’s shattered bone. Insurance companies prevent covering pre-existing conditions by requiring a veterinarian checkup and report before the policy takes effect. Also, they implement waiting periods to prevent customers from using a new policy to cover a sick animal.

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

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

iHeartDogs is reader-supported. When you buy via links on our site, we may earn an affiliate commission at no extra cost to you.

Pet Insurance Carrier Comparisons

Breed Pet Insurance

Pet Insurance by City

Pet Insurance by State

Physicians Mutual Has Your Vet Bills Covered So You & Your Dog Can Concentrate On Fun
Pet Insurance in Washington DC
Pet Insurance In Virginia
Pet Insurance In Wyoming
Pet Insurance In Nevada
Pet Insurance In Mississippi