6 Best West Virginia (WV) Pet Insurance Plans Compared in 2022

Updated on June 13, 2022 by Matthew H. Nash – Licensed Insurance Agent

As a Licensed Insurance Agent in West Virginia, I strive to make enrolling in pet insurance as easy and stress-free as possible. I have researched everything you need to know about pet insurance in The Mountain State. So whether you live in Charleston, Fairmont, Lewisburg, Harpers Ferry or Weirton, this article has you covered. Read more about our unbiased ranking methodology and advertiser disclosure.

Top WV Pet Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best pet insurance providers in West Virginia. The average monthly West 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 West Virginia with a 25311 zip code. Costs may vary based on age, location, coverage amount, and depending on the breed of your puppy. Prices are accurate as of June 2022 and are subject to change. For the most up-to-date information, please visit the provider website.

4.7
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to West Virginia pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN WEST VIRGINIA

$28.55/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with West 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
4.6
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to West Virginia pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN WEST VIRGINIA

$37.93/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
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN WEST VIRGINIA

$52.27/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • ASPCA is one of the most trusted names in the pet insurance industry. They have paid out almost $350 million dollars in claims since 2006
  • ASPCA is unique in that they offer affordable “accident-only” plans in addition to their preventative care coverage. Also, you can save 10% for multiple eligible pets
  • Founded in 1997 and underwritten by Crum & Forster
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to West Virginia pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN WEST VIRGINIA

$45.18/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
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN WEST VIRGINIA

$63.56/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
BENEFIT

$10,000

  • Pumpkin Pet Insurance plans have extensive coverage and they always have a 90% reimbursement rate
  • They have no breed or upper age restrictions, and dental illness and hereditary conditions are covered at no extra cost
  • Founded in 2020 and underwritten by United States Fire Insurance Company
4.2
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to West Virginia pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN WEST VIRGINIA

$66.16/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

figo
4.7
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to West Virginia pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN WEST VIRGINIA

$28.55/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with West 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

How much does dog & cat insurance cost in West Virginia for the 15 most popular breeds?

The price for West Virginia pet 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 June 2022 and are subject to change. If you’re looking for the most up-to-date cost of pet insurance in West Virginia we suggest getting a quote directly with Figo or Wagmo.

Dog Insurance Prices in West Virginia:

  1. Mixed Breed – $20.94/ mo
  2. Labrador Retriever – $28.55/ mo
  3. Golden Retriever – $28.48/ mo
  4. German Shepherd – $30.78/ mo
  5. Goldendoodle – $24.78/ mo
  6. Chihuahua – $13.03/ mo
  7. Siberian Husky – $28.61/ mo
  8. Yorkshire Terrier – $17.99/ mo
  9. American Pit Bull Terrier – $31.69/ mo
  10. Australian Shepherd – $19.70/ mo
  11. Dachshund – $18.59/ mo
  12. Shih Tzu – $16.56/ mo
  13. French Bulldog – $39.19/ mo
  14. Boxer – $39.33/ mo
  15. Labradoodle – $24.78/ mo

Cat Insurance Prices in West Virginia:

  1. Mixed Breed – $12.18/ mo
  2. American Shorthair – $14.41/ mo
  3. Bengal – $14.41/ mo
  4. Bombay – $14.11/ mo
  5. British Shorthair – $14.41/ mo
  6. Exotic – $14.41/ mo
  7. Himalayan – $14.41/ mo
  8. Maine Coon – $15.19/ mo
  9. Persian – $15.19/ mo
  10. Ragdoll – $15.19/ mo
  11. Russian Blue – $14.41/ mo
  12. Scottish Fold – $15.19/ mo
  13. Siamese – $15.19/ mo
  14. Sphynx – $14.50/ mo
  15. Abyssinian – $14.50/ mo

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

West Virginia Insurance Frequently Asked Questions

What is pet insurance? Why do I need it in West Virginia?

Pet insurance is medical coverage for animals that supports pet owners in paying for vet bills. To enroll in a plan, all you need to do is find a right plan for your pet. For example, if you have a 14-year old cat, you may want to look into enrolling in a geriatric cat insurance plan. Once your pet is enrolled in a plan, you then need to make a monthly payment to your insurance carrier each month to keep the policy active. Then, when a veterinarian treats your pet, you pay the bill up front, but then can submit a reimbursement request to your insurance provider to be reimbursed for a portion of the vet bill.

Pet insurance is a good idea to have in West Virginia because veterinary care can be quite expensive. Routine check-ups and testing can cost hundreds of dollars, and more intensive procedures, such as surgeries, can cost thousands of dollars. Pet insurance helps to ensure that your pet is able to receive veterinary care without breaking your wallet.

Are there specific age requirements involved with pet insurance eligibility?

Some pet insurance agencies do require that pets are a certain age before enrolling in insurance. Some of the most common age requirements include 8 weeks for dog insurance and 6 weeks for cat insurance.

Do all vets accept pet insurance?

One benefit of pet insurance is that vets do not need to “accept” or be “in network” with pet insurance. Since pet insurance plans are reimbursement based, pets can receive care at any veterinary office and still reap the benefits of pet insurance.

What does coverage entail? Are all veterinary services covered?

Coverage varies by plan. However, the minimum that most pet insurance plans cover is sudden illness and injury care. This includes treatment for viral and bacterial infections, broken bones, and skin sores.

Some pet insurance plans offer additional coverage for services such as prescriptions, medical imaging, and preventative care. However, you would need to pay a higher monthly premium if you opt for these services to be covered by insurance.

It is important to remember that most pet insurance plans will not cover any veterinary care related to pre-existing conditions, including any diagnosed ailments prior to coverage.

How will I be reimbursed?

As previously mentioned, most pet insurance plans use a reimbursement model. This means that after your pet receives veterinary care, you would pay the initial vet bill, and then submit a reimbursement request to your insurance provider.

The amount that you are reimbursed depends on your reimbursement rate, your deductible (if your plan has one) and your annual maximum benefit. Your insurance carrier will calculate how much you will be reimbursed off of these three components plus the amount of the veterinary bill.

Should I enroll in a plan with a lower deductible?

There are all kinds of pet insurance plans out there, including those with high deductibles, low deductibles, and no deductibles at all. If you choose a plan with a lower deductible, your monthly payment will most likely be higher, but you will be reimbursed more for veterinary bills. While there is no right or wrong regarding what your deductible ought to be, it is important to determine what makes the most sense for your financial situation.

Are there any restricted pets for homeowners insurance in West Virginia?

It is common for states to place restrictions on animals that live in homes for homeowners insurance. These restrictions most often apply to certain dog breeds that are historically aggressive, such as Doberman Pinschers and Pit Bull Terriers. Other breeds that are often excluded from homeowners insurance include:

  • Akitas
  • Chow Chows
  • German Shepherds
  • Bull Mastiffs
  • Rottweilers
  • Wolfhounds

It is uncommon for other pets, such as cats and birds, to be restricted from homeowners insurance. However, we suggest contacting your insurance provider to seek further clarification.

5 Useful Strategies for Keeping Your Pet Safe & Healthy in West Virginia

While pet insurance is helpful to have in the case that your pet gets sick, there are many strategies that you can follow everyday to ensure that your pet lives a healthy life.

1. DO NOT leave animals in a hot car

West Virginia often experiences hot and humid conditions during the summer, resulting in even higher cars’ temperatures. You mustn’t leave your pet in a hot car. Heat stroke can occur quickly and put your pet’s life at risk.

2. Exercise Daily

Exercise is essential for weight management and building heart, lung, and bone strength. While exercise will look different for every pet, it is important to encourage exercise of some kind each day. This can entail going on walks, providing toys to play with, or going to the park.

3. Routine Vet Check-ups

Taking your pet to the vet regularly is important to prevent serious disease and monitor any existing chronic conditions. At routine check-ups, vets may run preventative tests, check your pet’s weight, and administer flea and tick prevention treatments.

4. Limit treats and “people food”

All pets deserve to have a treat once in a while. However, be sure to monitor how often your pet is eating snacks or food off the table, as too much snacking can cause weight gain.

5. Heat advisory

As previously mentioned, West Virginia can get quite hot in the summer. On hot days, remember to ensure that your pet is drinking plenty of water and keep pets inside out of the heat when possible.

5 Unique Animal Rescue Shelters in West Virginia

If you are thinking about bringing a new pet into the family, adopting an animal from a shelter can be a rewarding experience. If you are interested, check out these animal shelters in West Virginia:

1. Animal Friends of North Central West Virginia in Morgantown, WV

This animal shelter was the area’s first no-kill shelter. All dogs and cats that this facility rescues are placed with foster families, connected with permanent families, receive medical care and are spayed/neutered.


2. Berkeley County Humane Society in Martinsburg, WV

This animal shelter seeks to provide refuge and rehabilitation to as many stray and abandoned dogs and cats as possible in Berkeley County and surrounding towns. In addition to adopting a furry friend, animal lovers can donate needed items to the shelter that are essential for the care of rescued animals.


3. Tucker County Animal Shelter in Parsons, WV

The Tucker County Animal Shelter will only euthanize an animal if a veterinarian determines that it is medically necessary to do so. Otherwise, this shelter operates primarily as a no-kill shelter. Services include adoption, fostering, and spay/neutering vouchers.


4. Briggs Animal Adoption Center in Charles Town, WV

This shelter provides medical care and shelter to abandoned or lost dogs and cats. In addition to adoption and fostering, this shelter is also currently caring for kittens that have been diagnosed with Feline immunodeficiency virus (FIV), which closely resembles HIV in humans. Qualified families can only adopt these kittens and this shelter is willing to transport these kittens to a permanent home anywhere in the United States.


5. Humane Society of Parkersburg in Parkersburg, WV

The primary mission of this shelter is to nurture and rehabilitate animals in the local area through shelter and medical care. This shelter also offers a comprehensive clinic that offers services such as spay/neutering, vaccines, and other preventative treatments.


Conclusion

While insurance language can be confusing and overwhelming, enrolling in pet insurance is a fairly straightforward process. All you need to do is find a plan that makes sense for you and your pet, make sure that all monthly payments are made, and then submit for reimbursement when veterinary bills arise. No pet owner should have to decide between their bank account and their pet. With pet insurance, you can have both a healthy pet and a fuller wallet. Through my extensive research, I have found that Figo pet insurance offers the best combination of price and coverage for pets in The Mountain State.

SwiftScore Ranking Methodology for West Virginia

We ranked the best pet insurance policies in West 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 West Virginia with a 25311 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