Best Pet Insurance in West Virginia

Written by Brenda Woods Updated 11/18/2024

According to the American Veterinary Medical Association (AVMA), West Virginians have the second-highest rate of pet ownership in the country. Lots of pets can sometimes mean lots of unexpected vet bills, so it’s a good idea to invest in a cheap pet insurance plan. We found the best pet insurance in West Virginia to help pet parents from Huntington to Morgantown protect their four-legged friends. Through our research, we’ve found that the best pet insurance provider in West Virginia is Spot for its unlimited coverage option and multi-pet discounts.

As of 2016, 71% of Mountain State households were home to at least one companion animal.

Why Trust Us? Our review and rating process for the best pet insurance companies

Companies Considered

1000

Pet Owners Surveyed

3800

Reviews Analyzed

Policies Compared

How Do WV Pet Insurance Companies Compare?

Company	Star Rating	Monthly Cost for Dogs*	Monthly Cost for Cats*	Visit Site
VISIT SITE	4.6	$38.44	$21.53	VISIT SITE
VISIT SITE	4.5	$20.76	$18.47	VISIT SITE
VISIT SITE	4.7	$65.15	$53.43	VISIT SITE
VISIT SITE	4.7	$44.83	$24.68	VISIT SITE
VISIT SITE	4.7	$44.79	$16.36	VISIT SITE
VISIT SITE	4.5	$114.73	$57.19	VISIT SITE
VISIT SITE	4.8	N/A	N/A	VISIT SITE

West Virginia’s Top 7 Pet Insurance Providers

Most Customizable Plans: Spot

Best for New Pet Owners: ASPCA

Best Deductibles: Embrace

Best Coverage Limits: Healthy Paws

Best Extra Coverage Add-On: Figo

Best for Direct Payments: Trupanion

Most Comprehensive Plan: Prudent Pet

Spot

Most Customizable Plans

4.6

Spot Pros and Cons

Pros 10% multi-pet discount No extended waiting period for orthopedic conditions Option for unlimited coverage Standard coverage for microchipping and exam fees Cons Longer-than-average waiting period for accidents Low coverage limit for preventive care No customer service available on weekends

Spot Overview

With five choices of deductibles, three possible reimbursement rates, and seven coverage limits, Spot offers the most customizable plans of any provider on our list.

Deductibles: $100, $250, $500, $750, $1,000
Reimbursement options: 70%, 80%, 90%
Maximum coverage limits: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, or unlimited

Learn more: Spot Pet Insurance review

Why We Chose Spot

With a score of 91 out of 100, Spot provides flexibility when it comes to purchasing pet insurance. Spot has an accident-only and accident-and-illness plan, with the ability to add Gold or Platinum wellness coverage to either plan. Spot has no upper age limits for enrollment and a waiting period of only 14 days for hip dysplasia and cruciate ligament problems, making it a practical choice for pets of all ages.

ASPCA

Best for New Pet Owners

4.5

ASPCA Pros and Cons

Pros 10% multi-pet discount Covers behavioral therapy and exam fees No upper age limit for new enrollees Offers two wellness care add-ons Cons 14-day waiting period for accidents Long wait times for customer service Relatively low maximum coverage limit

ASPCA Overview

ASPCA Pet Insurance’s website and app offer more than just pet insurance quotes—new pet owners can also find local resources for pet care.

Deductibles: $100, $250, $500
Reimbursement options: 70%, 80%, 90%
Maximum coverage limits: $3,000, $4,000, $5,000, $7,000, or $10,000

Learn more: ASPCA Pet Health Insurance review

Why We Chose ASPCA

With a rating of 89 out of 100, ASPCA gets points for offering two pet insurance plans and two wellness add-ons. Underwritten by the C&F Insurance Agency and the US Fire Insurance Company, ASPCA is also one of the few to offer pet coverage for horses (along with cats and dogs).

Embrace

Best Deductibles

4.7

Embrace Pros and Cons

Pros Diminishing deductible for years without filing claims Highly customizable plans Three wellness care options Two-day waiting period for accidents Cons No coverage for prescription food or supplements No option for unlimited coverage Relatively high price for wellness coverage

Embrace Overview

With five deductible options, Embrace lets you customize your monthly premiums to fit your budget.

Deductibles: $200, $300, $500, $750, $1,000
Reimbursement options: 70%, 80%, 90%
Maximum coverage limits: $5,000, $8,000, $10,000, $15,000, or $30,000

Learn more: Embrace Pet Insurance review

Why We Chose Embrace

Embrace also scores a 93.5 out of 100. You can add wellness coverage for routine veterinary care at $250, $450, or $650 per month to this insurance agency’s single accident-and-illness plan. As your pet ages, it may need more or less care, so it’s wise to have options.

Healthy Paws

Best Coverage Limit

4.7

Healthy Paws Pros and Cons

Pros 30-day money-back guarantee Covers some complementary and alternative therapies Most claims processed within two days Cons Coverage options not as customizable No wellness coverage available Some age-based exclusions

Healthy Paws Overview

Healthy Paws plans have no per-incident, per-year, or lifetime payout limits on coverage.

Deductibles: $250, $500
Reimbursement options: 70%, 80%
Maximum coverage limits: Unlimited

Learn more: Healthy Paws Pet Insurance review

Why We Chose Healthy Paws

We rate Healthy Paws a 93.5 out of 100 based on the comprehensiveness of its coverage and its lack of payout limits. Although there are no add-ons for wellness or spay/neuter coverage, Healthy Paws’ single accident-and-illness plan will cover nearly all of the unexpected medical care your pet needs.

Figo

Best Extra Coverage Add-On

4.7

Figo Pros and Cons

Pros Inexpensive basic coverage Unique Extra Care Pack add-on Unlimited coverage available Waiver for orthopedic condition waiting period with exam Cons Add-on needed to cover exam fees High deductibles for older pets Limitations on 100% reimbursement

Figo Overview

In addition to wellness add-ons, Figo offers optional coverage for exam fees and expenses not related to vet bills such as boarding, vacation cancellation, and end-of-life costs.

Deductibles: $100, $250, $500, $750
Reimbursement options: 70%, 80%, 90%, 100%
Maximum coverage limits: $5,000, $10,000, or unlimited

Learn more: Figo Pet Insurance review

Why We Chose Figo

Figo, which we rate 93 out of 100, offers 100% reimbursement with some plans, though you’ll need to choose either a $500 or $750 deductible and a coverage limit of $5,000 or $10,000. If you choose a higher deductible and lower reimbursement rate, you can create one of the most affordable accident-and-illness plans on the market.

Trupanion

Best for Direct Payments

4.5

Trupanion Pros and Cons

Pros Enrollment available from birth of pet No bilateral condition exclusion No payout limits Vet Direct Pay at most animal hospitals Cons 30-day waiting period for illnesses Less customizable plans No coverage for wellness care or exam fees

Trupanion Overview

Most pet insurance providers require you to pay out of pocket and file a claim before you receive reimbursement, but Trupanion can pay your vet directly for its portion of the bill.

Deductibles: $0, $5 increments from $50 to $1,000
Reimbursement options: 90%
Maximum coverage limits: Unlimited

Learn more: Trupanion pet insurance review

Why We Chose Trupanion

We give Trupanion an 89.5 out of 100. Trupanion only allows you to customize your deductible, which means its premiums are higher than most. But the company’s single accident-and-illness plan offers extremely comprehensive coverage. Trupanion’s Rehabilitative and Complementary Care add-on even covers behavioral modification, acupuncture, chiropractic treatment, and hydrotherapy.

Prudent Pet

Most Comprehensive Plan

4.8

Prudent Pet Pros and Cons

Pros No lifetime payout limits Three levels of wellness coverage Waiting period for hip dysplasia only 14 days 24/7 vet chat available Cons Add-on required for exam fee coverage No accident-only plan in West Virginia No mobile app

Prudent Pet Overview

Prudent Pet insurance offers one of the most comprehensive pet insurance plans on this list.

Deductibles: $100, $200, $500, $1,000
Reimbursement options: 70%, 80%, 90%
Maximum coverage limits: $2,500, $10,000, or unlimited

Learn more: Prudent Pet Insurance review

Why We Chose Prudent Pet

Prudent Pet, which we give a 95 out of 100, doesn’t offer the same range of plans in every state, but West Virginians can take advantage of its accident-and-illness plan at three coverage limits: Essential 2500, Essential, and Ultimate. There are also three levels of wellness coverage available, and the option to add coverage for exam fees.

What Does Pet Insurance Cover and Not Cover?

In short, pet insurance covers unexpected vet bills. Accident-only plans include things such as injuries, object ingestion, poisoning, and broken bones. An accident-and-illness plan will cover these plus any illnesses or conditions your pet is diagnosed with after the end of the waiting period. Pet insurance won’t cover routine care like checkups, vaccinations, or heartworm medication unless you specifically choose an add-on that covers it.

Additionally, pet insurance never covers preexisting conditions. These are any health conditions that show signs or symptoms before enrollment or during the waiting period, whether you seek veterinary care or not. Pet insurance also won’t cover elective and cosmetic procedures, experimental treatments, and non-medical costs like records fees and grooming.

Is Pet Insurance in West Virginia Worth it?

Yes, in most cases, we’ve found that pet insurance is worth it in West Virginia due to the added security and peace of mind. Spot, Healthy Paws, and Embrace take the top three spots for the best pet insurance companies in West Virginia. However, every provider on this list offers excellent coverage, so we recommend getting at least three quotes before making a final decision. Although pet health insurance won’t cover every medical cost, it will provide substantial peace of mind when it comes to large, unexpected vet bills.

FAQs About West Virginia Pet Insurance

What is the cheapest pet insurance company in West Virginia?

Based on our recommendations, Spot and Figo’s accident-only policies offer the lowest pet insurance costs. This means medical bills from accidents and injuries such as broken bones will be covered, but illnesses and other health issues won’t.

Is it worth getting pet insurance in West Virginia?

Although the specifics will depend on your financial situation, many policyholders find pet insurance to be worth it. If your furry friend has an accident or is diagnosed with an illness and you already have pet insurance in place, you can receive substantial reimbursement for your vet bills.

What is the average cost of pet insurance in West Virginia?

The average cost of dog insurance in West Virginia ranges from $20.11 for a basic accident-only policy to $114.42 for an accident-and-illness policy with additional wellness care. Cat insurance in the state costs less at $10.12 to $66.35.

Our Rating Methodology

We are dedicated to thorough, in-depth reviews of each product or service that we detail in our content. Determined to build trust with our readers through transparency, accuracy, and accountability, we’ve built a detailed rating system to score pet insurance brands. Included in this methodology are the following six factors with their respective scoring weights:

Coverage (25)
Plan options (20)
Monthly cost (20)
Company reputation (15)
Customer service (10)
Species eligibility (10)

Our researchers keep all data in each company’s score up to date, making any changes to our content when necessary to provide our readers with the most accurate information on relevant metrics, such as plan options, customer service, reputation, and monthly cost.

To share feedback or ask a question about this article, send a note to our Reviews team at [email protected].