The Best Pet Insurance in Pennsylvania in 2025
Pet insurance for dogs and cats in Pennsylvania starts around $23 and $12 per month, respectively.
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Edited byNick Versaw
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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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Reviewed byJohn Leach
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John LeachLicensed Insurance Agent
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.
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In This Article
Pennsylvania pet parents gained new protections in 2025. That’s when the Keystone State’s Legislature passed a pet insurance law that eliminates accident waiting periods and requires insurers to provide clear policy disclosures.[1]
Pets in Pennsylvania face some specific risks. From Philadelphia’s bustling streets to Pittsburgh’s steep hills, accidents can happen fast. Pennsylvania’s regulations now protect you from unexpected exclusions and confusing contract language.
Pet insurance costs average $39 per month for dogs and $22 for cats in Pennsylvania, according to our data. But rates vary dramatically between companies.
Let’s take a look at what you should know about pet insurance in Pennsylvania, including the companies that offer the best combination of affordability and comprehensive coverage.
What You Need to Know About Pet Insurance in Pennsylvania
In Pennsylvania, pet insurance costs an average of $468 annually for dogs and $264 per year for cats.
Our analysis shows that Lemonade offers the cheapest pet insurance quotes for dogs, while Pets Best has the lowest monthly premiums for cats.
As of February 2025, pet insurance policies in Pennsylvania can’t have a waiting period for accidents.[1]
Pennsylvania’s pet insurance law requires pet insurance companies to include clear disclosures about waiting periods, what can trigger a rate increase, and any exclusions for pre-existing conditions.
Compare Pet Insurance Companies in Pennsylvania
With so many pet insurance companies available in Pennsylvania, finding one that’s right for you and your pet can feel overwhelming. We’ve analyzed rates from leading insurers to help you find the right coverage.
The table below shows average premiums, coverage options, and key features from Pennsylvania’s top pet insurance companies.
 |  |  |  |  |
|---|---|---|---|---|
Avg. quote, dogs Prices based on average across all available dog breeds and locations $29/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $23/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $23/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $27/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $45/mo* |
Avg. quote, cats Prices based on average across all available cat breeds and locations $15/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $12/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $12/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $16/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $0/mo* |
Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 60%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 50%–90% |
Payout limits The maximum amount your provider will pay for covered events. $5,000–$100,000 | Payout limits The maximum amount your provider will pay for covered events. $5,000–Unlimited | Payout limits The maximum amount your provider will pay for covered events. $2,500–Unlimited | Payout limits The maximum amount your provider will pay for covered events. $2,500–Unlimited | Payout limits The maximum amount your provider will pay for covered events. Unlimited |
Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$750 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $50–$1,000 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$1,000 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$500 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $250–$1,000 |
Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions Not coveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. |
Data in this table has been sourced from Compare users who received a pet insurance quote from our partner Fletch.
Save Money with Pennsylvania’s Best Pet Insurers
Policies in PA start as low as $23 for dogs and $12 for cats.
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Our Picks for the Best Pet Insurance Companies in Pennsylvania
After analyzing rates and coverage options across Pennsylvania, we found these five companies stand out for different pet owner needs.
Lemonade: Best for dogs
Pros
Pay-in-full discount available
Curable pre-existing condition coverage after 12 months
Typically fast claims processing
Cons
Behavioral coverage only available as add-on
Doesn’t cover alternative therapies
Not available in every state
Lemonade earned our top spot for having the cheapest rates for insuring dogs in Pennsylvania, according to Compare.com’s data. You can save even more by bundling a Lemonade pet insurance policy with a home or renters insurance policy from the insurer.
The company’s premiums average $29 per month for dogs in Pennsylvania and $15 per month for cats, according to our data. Plus, its streamlined claims process means faster reimbursements when you need coverage.
Pets Best: Best for cats
Pros
Acupuncture care coverage available
Unlimited coverage option available
Offers a low-cost accident-only plan
Cons
Doesn’t cover behavioral conditions
Relatively low multi-pet discount
No coverage for food or supplements
Pets Best topped our analysis with the most affordable premiums for cats in Pennsylvania.
Beyond competitive pricing, it covers alternative treatments like acupuncture, which may be helpful for older cats dealing with arthritis.[2] You can add wellness coverage for routine care, or choose a budget-friendly accident-only plan if you prefer basic emergency protection.
Spot: Best for senior pets
Pros
No age restrictions
Optional wellness plans available
Prescription food coverage
Cons
No 100% reimbursement option
14-day waiting period for illness
No option to pay vet directly
Spot combines some of Pennsylvania’s cheapest premiums with excellent features for senior pets.
Most importantly, it doesn’t have any age restrictions, so your older dog or cat can get coverage. It offers no per-incident maximums and covers alternative therapies that senior pets often need. Spot also covers some pre-existing conditions if your pet remains symptom- and treatment-free for 180 days.
ASPCA: Best for young pets
Pros
10% discount for additional pets
Covers alternative therapies
Preventive care plan available
Cons
Must call for direct payment authorization
Slower claims processing times
14-day waiting period for illness
With its affordably priced accident and illness plans and optional wellness coverage, ASPCA gives pet parents a chance to customize their coverage while their fur baby is still young.
Enrolling a puppy or kitten in an ASPCA policy can help ensure you make the most of the insurer’s coverage for hereditary and congenital issues. You can choose your deductible, reimbursement rate, and coverage limit to fit your budget.
Healthy Paws: Best for unlimited payouts
Pros
Unlimited annual and lifetime payouts
Quick claims processing
Covers hereditary and congenital conditions
Cons
Won’t issue policies to older pets
Doesn’t offer a wellness plan
No coverage for exam fees
Healthy Paws frequently appeared among Pennsylvania’s cheaper options in our rate analysis.
It deserves special recognition for offering unlimited payouts regardless of your plan tier. This means no worrying about hitting coverage limits during expensive treatments or chronic conditions. And the insurer says it can pay most claims in just two days.[3]
Our editorial team selected these companies based on average premiums, available coverages, policy features, and more.
These factors include:
State-level average premiums by species, age, and breed
Available reimbursement rates, payout levels, and deductibles
Waiting periods for common conditions
Coverage for curable pre-existing conditions
Plan flexibility and policy management features
We prioritized each factor differently depending on the category to provide the best possible recommendations to pet owners throughout the state.
The Cheapest Pet Insurance Companies in Pennsylvania
Pet insurance rates vary based on your pet’s breed, age, location, and the coverage you choose. For example, pet parents in urban areas like Philadelphia typically see slightly higher premiums than in rural regions. That’s because cities generally have higher costs of living — and higher vet costs — than rural areas.[4]
And, premiums can be higher for certain breeds that are more prone to health risks.[5]
The table below shows companies with the lowest average monthly premiums for dogs and cats in Pennsylvania, according to our data analysis:
The below rates are estimated rates current as of: Sunday, October 5 at 12:00 PM PDT.
Company  | Average Monthly Premium: Dogs | Average Monthly Premium: Cats |
|---|---|---|
| Spot | $23 | $12 |
| Pets Best | $23 | $12 |
| ASPCA | $27 | $16 |
| Lemonade | $29 | $15 |
| Prudent Pet | $43 | $26 |
| Figo | $57 | $27 |
| Pumpkin | $60 | $28 |
Pennsylvania Pet Insurance Laws and Requirements
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Pennsylvania’s pet insurance laws are fairly fresh. The state adopted comprehensive regulations in 2024, and the legislation’s consumer protections took effect in 2025.
Key provisions of the state’s pet insurance regulation include:
No accident waiting periods: Coverage begins immediately for accidents, including tendon, ligament, and orthopedic injuries caused by accidents.
Limited illness waiting periods: Waiting periods for illness or orthopedic conditions can’t exceed 30 days.
Transparent disclosures: Pet insurance policies must clearly define terms and pre-existing conditions exclusions and include transparent claim payment formulas.
Medical exam waivers: Insurers must offer you the chance to waive an illness waiting period by having your pet get a medical exam.
Free look period: You can cancel a policy you’re not happy with and get a full refund as long as you cancel within 30 days of the policy’s start.
Renewal protections: Insurers can’t apply waiting periods when you renew a policy. They also can’t exclude anything they covered in your previous policy term as pre-existing conditions. Finally, insurance companies can’t require you to submit your pet to a medical exam to get a renewal.
While Pennsylvania’s new regulations spell out pet owners’ rights when it comes to pet insurance, responsible pet parents also have some legal obligations.
Dog licensing: Pennsylvania requires pet owners to license their dogs by the time their pet is 3 months old or at the time they adopt a dog.[6]
Rabies vaccination: State law requires dog and cat owners to get their pets vaccinated against rabies by the time the animal is 12 weeks old. You’ll also have to get your pet its rabies boosters to maintain its immunity.[7]
Owner liability: Dog owners are responsible for all damages caused by their dogs, including medical costs from bites.[8]
Dangerous dog insurance: If a district judge decides your dog qualifies as a “dangerous dog,” you’ll have to buy and maintain $50,000 in liability insurance coverage.
Leash laws: Pennsylvania’s dog rules don’t specifically say you have to keep your dog on a leash. Instead, the state requires you to keep your dog “under control” and not allow it to run loose. But keep in mind that counties and municipalities may have leash laws. For example, Philadelphia requires all dogs to be on leashes six feet or shorter in public areas.[9]
How to Pick the Right Pennsylvania Pet Insurance Company for You
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Shopping for pet insurance in Pennsylvania doesn’t have to feel like navigating the game-day crowds at an Eagles game. You’ve got solid options, and finding the right one just takes a smart approach:
Get multiple quotes. Rates can vary significantly between companies for the same coverage.
Consider your pet’s risks. With tick-borne diseases and winter weather hazards, you need a plan with strong accident and illness coverage. If your pet is a breed that’s susceptible to certain health issues, be sure you pick a policy with congenital and hereditary conditions coverage.
Review waiting periods. While state law bans waiting periods for accidents, insurers can still require a waiting period of up to 30 days for illnesses.
Check veterinarian networks. Most insurers work with any licensed Pennsylvania vet.
Compare deductibles and reimbursement rates. Higher deductibles mean lower premiums but more out-of-pocket costs. Reimbursement rates work much the same way — a policy with a 90% reimbursement rate will cost more than one with a 70% rate.
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Pennsylvania Pet Insurance FAQs
Pet insurance costs, coverage limits, and company choices can feel overwhelming when you’re just trying to protect your furry family member. These answers cover the practical questions most Pennsylvania pet parents ask when shopping for coverage.
What’s the best pet insurance in Pennsylvania?
The best company depends on your pet’s needs. Based on our analysis, Lemonade offers the best dog coverage in Pennsylvania, while Pets Best leads for cats. Spot excels for senior pets, and ASPCA provides great multi-pet discounts.
What’s the average cost of pet insurance for dogs in Pennsylvania?
Dog insurance averages $39 per month in Pennsylvania. Purebred dogs average $56, while mixed breeds typically cost $45 per month.
What’s the average cost of pet insurance for cats in Pennsylvania?
Cat coverage averages $22 per month, according to our data. Pet insurance for senior cats costs $54 per month, purebreds average $30, and mixed breed cats typically run $28.
Is pet insurance expensive in Pennsylvania?
Not really. Pennsylvania pet insurance averages $39 per month for dogs and $22 per month for cats, according to our data. Those rates are pretty similar to those in nearby states like Ohio, West Virginia, and Maryland. But New York and New Jersey have higher average rates.
Is pet insurance worth it in Pennsylvania?
Yes, especially given Pennsylvania’s veterinary costs and outdoor risks. Spay/neuter procedures cost $270–$635 statewide, while dental cleanings run $381–$441.[10] Pet insurance helps manage these routine costs plus unexpected emergencies from accidents or illness.
What does pet insurance cover in Pennsylvania?
Most Pennsylvania policies cover accidents, illnesses, surgeries, medications, and diagnostic tests. Some include alternative therapies, behavioral treatments, and end-of-life care. Wellness add-ons can cover routine care like vaccinations and dental cleanings.
Disclosure
Our editorial team created this article with the help of highly trained generative artificial intelligence (AI) tools. That said, multiple insurance experts — including at least one licensed agent — have rigorously reviewed, fact-checked, and edited every word and data point you see here.
We write, edit, and review all of the content on Compare.com according to our strict editorial standards, regardless of how we created it. Learn more about our editorial process.
Methodology
Compare.com data scientists analyzed more than 250,000 pet insurance quotes from our proprietary database — sourced by Fletch Insurance Services LLC (“Fletch”) — to determine the premium prices displayed on this page. These quotes come directly from Compare.com’s 10+ partner insurance companies across all 50 states and Washington, D.C., reflecting monthly pet insurance costs for both dogs and cats.
Unless otherwise specified, premium prices represent one-year rolling medians to account for market volatility driven by factors such as rising veterinary care costs and increased pet ownership.
Breed-level prices incorporate both mixed and purebred pets. To ensure reliability, a minimum of 8 quotes is required for dogs and 4 quotes for cats. Breeds with significant price deviations from the average are noted explicitly; other breeds are estimated based on average costs for all purebred pets.
Pets are grouped into three age brackets:
- Young: under 12 months
- Adult: 12 months to 7 years
- Senior: over 7 years
Coverage Limits
Dog premium averages reflect policies with annual coverage limits of $2,500, $5,000, $10,000, or unlimited.
Cat premium averages reflect policies with annual coverage limits of $2,500, $5,000, $7,000, $10,000, or unlimited.
For both dogs and cats, monthly premiums are segmented by:
- Deductible options: $250, $500, $1,000
- Reimbursement options: 70%, 80%, 90%
Sources
- Pennsylvania General Assembly. "2024 Act 19."
- PetMD. "What Is Acupuncture for Cats?."
- HealthyPaws. "Pet Insurance Plans to Protect your Pet, and your Finances."
- AKC Pet Insurance. "Why Does My Location Affect Pet Insurance Costs?."
- MetLife Pet Insurance. "How Much Does Pet Insurance Cost in 2025?."
- Commonwealth of Pennsylvania. "Pennsylvania's Dog Laws."
- Commonwealth of Pennsylvania. "Rabies."
- Commonwealth of Pennsylvania. "Dangerous Dogs."
- Philadelphia Parks & Recreation. "Dog regulations and best practices."
- Lemonade Pet Insurance. "Pet Insurance in Pennsylvania."
