7 Best Virginia (VA) Dog Insurance Plans Compared in 2021

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

As a lifelong dog owner and licensed Virginia insurance agent, I know sorting through dog insurance options is akin to finding your way through a maze. Not to worry, I have researched dog insurance in Virginia so you don’t have to. Whether you live in Norfolk, Chesapeake, Arlington, Virginia Beach, Richmond, Roanoke, Lancaster, or anywhere in between, this article is here to help. Read more about our unbiased ranking methodology and advertiser disclosure.

Top VA Dog Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best dog insurance providers in Virginia. The average monthly Virginia-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 Virginia with a 23221 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 Virginia pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN VIRGINIA

$30.92/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all around Virginia 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
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Virginia pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN VIRGINIA

$57.83/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
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Virginia pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN VIRGINIA

$41.04/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
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Virginia pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN VIRGINIA

$44.19/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Virginia 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 Virginia pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN VIRGINIA

$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 Virginia pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN VIRGINIA

$61.83/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
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 Virginia pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN VIRGINIA

$62.70/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 Virginia pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN VIRGINIA

$30.92/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all around Virginia 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 Virginia for the 15 most popular breeds?

The price for Virginia dog insurance varies depending on where you live. To give you an idea we’ve collected costs for three cities shown below. The prices will also 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 Virginia we suggest getting a quote directly with Figo or Lemonade.

  1. Mixed Breed
    • Richmond – $32.45/ mo
    • Norfolk – $32.45/ mo
    • Virginia Beach – $30.42/ mo
  2. Labrador Retriever
    • Richmond – $44.19/ mo
    • Norfolk – $44.19/ mo
    • Virginia Beach – $41.41/ mo
  3. Golden Retriever
    • Richmond – $44.10/ mo
    • Norfolk – $44.10/ mo
    • Virginia Beach – $41.34/ mo
  4. German Shepherd
    • Richmond – $47.67/ mo
    • Norfolk – $47.67/ mo
    • Virginia Beach – $44.67/ mo
  5. Goldendoodle
    • Richmond – $38.37/ mo
    • Norfolk – $38.37/ mo
    • Virginia Beach – $35.96/ mo
  6. Chihuahua
    • Richmond – $20.19/ mo
    • Norfolk – $20.19/ mo
    • Virginia Beach – $18.92/ mo
  7. Siberian Husky
    • Richmond – $44.32/ mo
    • Norfolk – $44.32/ mo
    • Virginia Beach – $41.53/ mo
  8. Yorkshire Terrier
    • Richmond – $27.86/ mo
    • Norfolk – $27.86/ mo
    • Virginia Beach – $26.12/ mo
  9. American Pit Bull Terrier
    • Richmond – $49.07/ mo
    • Norfolk – $49.07/ mo
    • Virginia Beach – $45.98/ mo
  10. Australian Shepherd
    • Richmond – $30.51/ mo
    • Norfolk – $30.51/ mo
    • Virginia Beach – $28.60/ mo
  11. Dachshund
    • Richmond – $28.78/ mo
    • Norfolk – $28.78/ mo
    • Virginia Beach – $26.97/ mo
  12. Shih Tzu
    • Richmond – $25.64/ mo
    • Norfolk – $25.64/ mo
    • Virginia Beach – $24.03/ mo
  13. French Bulldog
    • Richmond – $60.68/ mo
    • Norfolk – $60.68/ mo
    • Virginia Beach – $56.87/ mo
  14. Boxer
    • Richmond – $60.93/ mo
    • Norfolk – $60.93/ mo
    • Virginia Beach – $57.09/ mo
  15. Labradoodle
    • Richmond – $38.37/ mo
    • Norfolk – $38.37/ mo
    • Virginia Beach – $35.96/ mo

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

Virginia Dog Insurance FAQs

In Virginia, how much will dog insurance cost me?

For a small dog’s basic insurance plan, your average monthly payment will be around $20 for a puppy and $25 for an adult. For a large dog’s basic insurance plan, the average will be around $35 for a puppy and $45 for an adult. By location, Richmond, VA seems to have higher monthly rates on average for dog insurance than areas like Virginia Beach and Norfolk.

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

With human medical insurance, the payment process often looks like our particular health insurance company is paying our doctors directly; this is not the case for pets. Instead, you will pay your vet and then later be reimbursed once you have submitted a claim to your insurance company. This frees you from restrictions when picking the right vet for you and your pooch.

What does dog insurance cover?

Depending on the plan you choose, your dog insurance will usually cover things like infections, broken bones, allergic reactions, and emergency surgeries. Typically, basic dog insurance does not cover the day-to-day expenses of keeping a dog: routine checkups and wellness exams, vaccinations, and spaying or neutering. Additionally, if your dog has a pre-existing health condition, this will not be covered. Overall, paying for dog insurance means that you will be spending more per month so that you can pay less if an unexpected emergency arises.

Which is better, a high or low deductible?

Choosing between a high or low deductible will require thoughtful consideration of your financial situation so you can know which is more affordable for you. Typically, a low deductible means that you will be paying more each month while paying less during an expensive vet emergency. Your insurance company may offer a convenient, easy-to-use quote calculator to help decide between a high or low deductible.

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

When leasing an apartment in Virginia, you will often run into breed and size restrictions against dogs; additionally, you may run into bans when purchasing homeowners insurance. Overall, many insurance companies have regulations regarding some or all of the following breeds:

  • Akitas
  • Alaskan Malamutes
  • Presa Canarios
  • Chow Chows
  • Doberman Pinschers
  • German Shepherds
  • Pit Bull Terriers
  • Rottweilers
  • Siberian Huskies

We suggest you contact your landlord if leasing or your local home insurance provider to look into their policies on dog breeds. Further, you can contact them, asking whether or not you will need a specific liability rider.

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

While we want our pets to be taken care of in the case of an emergency, it is up to us as individual pet owners to maintain our pets’ health and safety the other 90% of the time. Listed below we have provided 5 different strategies for doing just that:

1. Be cautious of your pup consuming poison

Virginia farmers are constantly hard at work, so you will need to be on the lookout that your dog does not ingest any pesticide, insecticide, or fertilizer, as each one of these could be fatal for your dog

2. Common foods can make your do sick

Dogs are allergic to many common household foods, including chocolate, certain fruits, and even coffee grounds. Pack these tightly away and out of reach, along with your household cleaners

3. Pay attention flee infestations

Many a rural Virginian pet owner has had their share of flea infestations, but pay careful attention before applying a flea medication on your dog. The wrong medication, for example, a cat’s flea preventative you’ve used on your dog by accident, can prove deadly.

4. Winter weather can pose problems

While Virginia seasons are often fairly mild, your pet can easily still get hypothermia or frostbite if left unattended too long in Winter. Make sure to bring your outdoor dog inside for breaks during the day and to sleep during the night when temperatures begin to approach freezing.

5. Don’t leave your dog alone in a car!

The Virginia DMV places a heavy warning on leaving your pet alone in the car – while it may feel nice outside to you, your car can quickly soar above 100 degrees in the summertime.

5 Unique Dog Rescue Shelters in Virginia

When it comes to adding a new furry friend into the family, there are many reasons why we point to potential adopters towards animal shelters. Adopting keeps animals off the streets ensures that necessary medical provision will be given, and supplies an animal a home that might otherwise be euthanized. With those reasons in mind, we recommend that you check out these five unique animal shelters in Virginia:

1. Roanoke Valley SPCA in Roanoke, VA

With an emphasis on transparency, the Roanoke Valley SPCA practices inclusivity towards its surrounding communities, going so far as to provide annual reports for the past seven fiscal years publically. This animal shelter takes a twofold approach and aims to improve the lives of both its furry and human friends.


2. Virginia Beach SPCA in Virginia Beach, VA

Another devoted no-kill shelter, the Virginia Beach SPCA works deliberately to make adoption affordable. Their various wellness and educations programs include the “Neuter Scooter”, Low Cost Medical Clinic, Pet Pantry Program, and Disaster Response. Many of their adoptable cats and kittens can be found at a partnering PetSmart nearby.


3. Friends of Homeless Animals in Aldie, VA

The Friends of Homeless Animals shelter dates back to 1973 when founder Judge Anne Lewis witnessed first-hand the cruelty of homelessness for companion animals: Lewis could not keep a neighborhood animal organization from euthanizing a stray mamma dog and her babies. Thus, she decided to start her own no-kill shelter!


4. Animal Welfare League of Arlington in Arlington, VA

With history dating back all the way to 1944, the Animal Welfare League of Arlington has paved the way in educating people and caring for animals. The principles that have guided this no-kill shelter through the years include leadership, honesty, open-mindedness, and the ability to work as a team.


5. Heritage Humane Society in Williamsburg, VA

Funded solely by local givers, the Heritage Humane Society can boast of its adoption services and its many programs to keep animals with their owners. In 2020 alone, their Kibble Kitchen assisted over 1,000 pets by providing low-income families with pet food and resources.


Conclusion

Ultimately, choosing the right dog insurance plan for your dog or puppy in Virginia doesn’t have to end with you feeling trapped in a maze. You can do things to make the process a little easier for you, like starting your puppy on dog insurance when they are over the 6-8 week age requirement. Though purchasing puppy insurance is cheaper, buying dog insurance when your dog is any age is a beneficial decision for both you and them. Emergencies aren’t always preventable, but needless euthanization due to financial strain or inability is. Dog insurance can be your buffer between the two. After our thorough research, we found that Lemonade pet insurance provided the best services with the lowest monthly rates.

SwiftScore Ranking Methodology for Virginia

We ranked the best pet insurance policies in Virginia 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 Virginia with a 23221 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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