7 Best Pennsylvania (PA) Dog Insurance Plans Compared in 2021

Updated on , by Matthew H. Nash – Licensed Insurance Agent

As a licensed Pennsylvania insurance agent and lifelong dog owner, I know having pet insurance can lessen the blow if your beloved dog suddenly gets sick or injured. I also know it can be intimidating to choosing the best policy. To help navigate the dog insurance world, I have researched all the options for you. Whether you live in Philadelphia, Pittsburg, South Fork, Allentown, State College or anywhere in between, I’m here to help you find your way through purchasing dog insurance in Pennsylvania. Read more about our unbiased ranking methodology and advertiser disclosure.

Top PA Dog Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best dog insurance providers in Pennsylvania. The average monthly Pennsylvania-specific prices shown are based on a healthy 2-year-old Labrador Retriever with a $500 deductible and 90% reimbursement amount who is located in Pennsylvania with a 19128 zip code. Costs may vary based on age, location, coverage amount, and depending on the breed of your puppy. Prices are accurate as of September 2021 and are subject to change. For the most up-to-date information, please visit the provider website.

lemonade
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Pennsylvania pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN PENNSYLVANIA

$24.42/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all around Pennsylvania dog insurance policy at the most affordable rates
  • Their user experience is world class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Pennsylvania pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN PENNSYLVANIA

$35.28/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Pennsylvania vets via video chat 24/7
  • They also have an easy-to-use pet records app and real time claims tracker
  • Founded in 2013 and underwritten by Independence American Insurance Company
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Pennsylvania pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN PENNSYLVANIA

$45.26/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • They offer up to 100% reimbursement with a $20,000 annual maximum benefit for a reasonable fee and have fast reimbursement options
  • Wagmo Wellness plans reimburse you for the routine and preventative care you do for your pets annually
  • Founded in 2017 and underwritten by National Specialty Insurance Company
4.3
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Pennsylvania pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN PENNSYLVANIA

$43.25/mo

REIMBURSEMENT AMOUNT

80%

ANNUAL
 BENEFIT

$8,500

  • Eusoh is not your typical pet insurance company but instead is a vet expense sharing community
  • Ideal for young, healthy pets and premiums vary depending on the amount of claims submitted in any given month
  • Founded in 2017, Eusoh is a mutual insurance company supported by its members
4.3
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Pennsylvania pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN PENNSYLVANIA

$51.91/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Their “Healthy Pet Deductible” allows your annual deductible to go down by $50 each year that you don’t receive an insurance claim reimbursement
  • Embrace paid 93% of claims in 2019 and their member portal is user-friendly
  • Founded in 2003 and underwritten by American Modern Insurance
4.3
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Pennsylvania pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN PENNSYLVANIA

$97.23/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

Unlimited

  • Trupanion is the only provider on our list that has an unlimited annual benefit with no payout limits
  • They are unique in that they offer “Vet Direct Pay” instead of reimbursements
  • Founded in 1999 and underwritten by American Pet Insurance Company
spot pet insurance
4.1
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Pennsylvania pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN PENNSYLVANIA

$49.19/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Spot offers pet microchip implantation as part of standard coverage
  • They have an easy-to-use website and provide a 30-day money-back guarantee
  • Founded in 2017 and underwritten by Crum & Foster

lemonade
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Pennsylvania pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN PENNSYLVANIA

$24.42/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all around Pennsylvania dog insurance policy at the most affordable rates
  • Their user experience is world class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders

How much does dog insurance cost in Pennsylvania for the 15 most popular breeds?

The price for Pennsylvania dog insurance is almost always the same throughout the state including in Philadelphia, Pittsburgh, Allentown, Erie, Reading, or Scranton, etc. However, the prices will vary based on the age, health and breed of your puppy.

All prices shown below are based on a 90% reimbursement rate with a $500 deductible and a $5,000 annual benefit from Figo pet insurance. Please note: these prices should only be treated as a rough guide as of September 2021 and are subject to change. If you’re looking for the most up-to-date cost of dog insurance in Pennsylvania we suggest getting a quote directly with Figo or Lemonade.

  1. Mixed Breed – $25.90/ mo
  2. Labrador Retriever – $35.28/ mo
  3. Golden Retriever – $35.21/ mo
  4. German Shepherd – $38.05/ mo
  5. Goldendoodle – $30.63/ mo
  6. Chihuahua – $16.10/ mo
  7. Siberian Husky – $35.37/ mo
  8. Yorkshire Terrier – $22.23/ mo
  9. American Pit Bull Terrier – $39.17/ mo
  10. Australian Shepherd – $24.36/ mo
  11. Dachshund – $22.98/ mo
  12. Shih Tzu – $20.47/ mo
  13. French Bulldog – $48.43/ mo
  14. Boxer – $48.62/ mo
  15. Labradoodle – $30.63/ mo

Not finding your specific dog breed? Lemonade pet insurance is our #1 recommendation for Pennsylvania and they’ll be able to give you a quick quote for your exact needs.

Pennsylvania Dog Insurance FAQs

In Pennsylvania, how much will dog insurance cost me?

For a small dog’s basic insurance plan, your average monthly payment will be around $25 for a puppy and $35 for an adult. For a large dog’s basic insurance plan, the average will be around $45 for a puppy and $60 for an adult. By location, Philadelphia, PA seems to have higher monthly rates on average for pet insurance than areas like Pittsburg and Harrisburg.

How do I know which vet will take my pet insurance?

One of the upsides of pet insurance is that you get the full say in who you choose as your primary vet and animal care provider! The payment process works in that you pay your vet and submit a claim to your insurance company, meaning your insurance and your vet never directly interact, leaving you to pick the best vet for you and your pup freely.

What does dog insurance cover?

Dog insurance usually covers accidents and illnesses like emergency surgeries, allergic reactions, infections, broken bones, and the like. Normally, things like routine wellness exams, vaccinations, and spay/neuter procedures are not covered by basic dog insurance; however, your insurance company may offer policy add-ons that cover those kinds of expenses. Additionally, if your dog has a pre-existing health condition, this will not be covered by your dog insurance.

How does my insurance determine that my dog has a pre-existing condition?

Any pre-existing health issues your dog has will be listed on your dog’s medical record. If those issues remain after the waiting period before your insurance becomes active, then your pet insurance will not cover them.

Which is better, a high or low deductible?

Typically, a low deductible means that you will pay more per month but less in the case of an emergency that requires veterinary attention. Purchasing pet insurance usually involves consistent, monthly payments, so you will need to consider your own financial situation and what will be most affordable for you before deciding between a high or low deductible. Check your insurance company’s website to see if they offer an easy-to-use quote calculator that can help as you choose between a plan with a high or low deductible.

How long do I have to wait before I can use my pet insurance?

On average, there will be a two-week waiting period, if not a little longer, before you can activate your pet insurance by submitting a claim to your insurance company.

Are there any restricted dog breeds for homeowners insurance in Pennsylvania?

Because Pennsylvania requires owners of dogs deemed dangerous to have liability insurance, pet and homeowners insurance companies are not allowed to restrict the breeds for which they offer insurance protection. However, most homeowners insurance companies in states other than Pennsylvania often exclude or restrict these dog breeds:

  • Pit bulls
  • German shepherds
  • Akitas
  • Staffordshire terriers
  • Chows
  • Alaskan malamutes
  • Doberman pinschers
  • Great Danes
  • Siberian huskies
  • Rottweilers
  • Presa Canarios
  • Wolf hybrids

We strongly recommend that you contact your leasing and insurance companies if you have any questions regarding your particular dog breed and if there are any specific liability riders you need.

5 Useful Strategies for Keeping Your Dog Safe & Healthy in Pennsylvania

Emergencies aren’t the only times we look out for our pet’s health and safety, however. Here we have a strategic list of five ways you can help protect your dog during your day to day routines:

1. Be aware of bears

There are roughly between 17,000 and 20,000 black bears that live in Pennsylvania and while bear attacks aren’t common, steer clear if you see any cubs while out with your dog.

2. Coyotes are also common

Another dangerous animal to keep an eye out for when on walks, coyotes have become pretty common in Pennsylvania and have been known to attack dogs.

3. Keep poison in a secure place away from counters

Just like with toddlers and babies in the house, be sure to keep household cleaners and human food out of reach–big dog noses have a way of sneaking onto countertops!.

4. Watch out for ticks

Pennsylvania ticks are known for carrying Lyme’s Disease, so take care to check your dog after time spent outdoors; you may even want to invest in a quality tick repellent for your dog if they spend a lot of time in the woods or outside in general.

5. Get your pup micro-chipped

Micro-chipped dogs will be possible for the humane society or whoever finds the dog to bring back home even without a collar. Keeping your tags on your dog’s collar updated at all times, is also a good idea in case they were to ever get lost.

5 Unique Dog Rescue Shelters in Pennsylvania

Though the catchphrase may feel cliche, we believe that “adopt, don’t shop” truly emphasizes the importance of animal shelters in joining otherwise hurting, homeless animals with their new, loving families. We recommend you check out one of these five unique Pennsylvania animal shelters if you are looking to bring a furry addition into your family:

1. Brandywine Valley SPCA in West Chester, PA

As a revolutionary in the humane treatment of abused animals, the Brandywine Valley SPCA has devoted itself to improving the lives of animals in its surrounding communities since 1929. In 2015, this shelter officially claimed its status as Pennsylvania’s very first open-admission, no-kill animal shelter.


2. Central PA Humane Society in Altoona, PA

The Central PA Humane Society demonstrates an innovative understanding of what it means to preserve life, not just “not kill”. This shelter’s life-saving efforts are primarily seen in its relationship with rescue groups and foster families willing to temporarily take over the care of one or more helpless animals.


3. Camp Papillon Animal Shelter in Stroudsburg, PA

The desire to see rescued animals placed in their forever homes runs in the blood of Campillon Animal Shelter. Founder Gerri L. Papillon wanted the shelter to have the same compassion she daily saw in her mother, a fellow animal lover who fostered all across Pennsylvania and New Jersey.


4. Animal Rescue, Inc. in New Freedom, PA

With open doors for animals that come furry, feathered, or even hooved, Animal Rescue, Inc. has provided care for the animals in its community since 1976. While the goal is to pair every animal with a loving forever family, ARI will house an animal however long that journey takes.


5. Lehigh County Humane Society in Allentown, PA

Since its start in 1906, the Lehigh County Humane Society has promised sanctuary, food, and medicine to any animal that crosses its doors, thanks to the help of the Community Vet Clinic and local rescue groups and foster families.


Conclusion

Purchasing pet insurance for your dog doesn’t have to cost you loads of money, nor does it have to cause you loads of stress, which we hope you can see after reading through our research! Further, starting your puppy on pet insurance once they’ve reached the 6-8 week age requirement can make the process a little more seamless. Although we recommend purchasing insurance while your dog is still young and the rates are cheaper, we still believe that buying pet insurance when your dog is of any age is a beneficial choice, both for your finances and your peace of mind. We never want you to have to go through the pain of needlessly euthanizing your dog or puppy due to financial strain when dog insurance can help deflate those costs. After our thorough research, we found that Lemonade pet insurance provided the best services with the lowest monthly rates.

SwiftScore Ranking Methodology for Pennsylvania

We ranked the best pet insurance policies in Pennsylvania based on a variety of important factors including the following:

  • Average monthly price for a 2-year-old Labrador Retriever with a $500 deductible located in Pennsylvania with a 19128 zip code
  • Coverage and benefits
  • Key policy details including accidents and illnesses, surgeries, annual check-ups, cancer treatment, lab tests, and more
  • AM Best rating of the underwriter
  • Reimbursement percentage
  • Annual benefit amount
  • Technology and user experience
  • Ease of sign up
  • Policy language clarity
  • User reviews

Other state dog insurance resources

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