Best Cheap Pet Insurance in Ohio

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Contributor, Benzinga
Updated: July 7, 2022

Did you know many of our readers end up choosing Lemonade Pet Insurance for their pet insurance coverage?

Pets are important family members. Just like you, they deserve the best medical care. Pet insurance can offset the costs of frequent vet visits. Here’s what you need to know if you want pet insurance in Ohio.

Quick Look: Best Pet Insurance in Ohio

  • Top-Rated Pet Insurance: Lemonade
  • Best for Preventative Care: Pumpkin
  • Best for Prescription Food and Supplements: Spot
  • Best for Hereditary Conditions: Trupanion

The Best Pet Insurance in Ohio

Ready to get your first quote? Here are our top picks for the best pet insurance companies in Ohio.

1. Best for Young Pets: Lemonade Pet

  • Lemonade Pet Insurance
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    Lemonade is currently available in the following states: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, District Of Columbia, Georgia, Illinois, Indiana, Iowa, Maryland, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, and Wisconsin,

2. Best for Preventive Care: Pumpkin Pet Insurance

  • Pumpkin Pet Insurance
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    Limitations apply. For terms and conditions, visit Pumpkin Insurance Services Inc. (NPN#19084749) (“Pumpkin”) is a licensed insurance agency, not an insurer. Insurance plans underwritten by United States Fire Insurance Company. Preventive Essentials is not an insurance policy, and is not available in all states.

Pumpkin offers traditional pet insurance as well as optional preventive care coverage at an additional cost. While Pumpkin does offer a wide range of coverage options, you’ll notice some limits to be aware of. All Pumpkin Pet Insurance plans have an annual coverage limit, and all of its policies come with a high reimbursement rate.

There’s no upper age limit, and you can get a multi-pet discount for any additional pets. And although Pumpkin covers many services, keep in mind, it only offers dog and cat pet insurance coverage.

Pumpkin allows customers to submit a claim online or it can provide a claims form if requested. After you’ve submitted your claim, Pumpkin will review the claim and determine whether it can be covered. If it is, you’ll receive reimbursement for the covered costs on your claim after you have met your annual deductible.

3. High-Quality Pet Insurance: Spot Pet Insurance

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4. Trupanion

Trupanion makes claims easy, offers coverage for congenital conditions, injuries and illnesses and provides coverage for medications. Coverage for diagnostics is available, but remember that plans are only available for cats and dogs.

Coverage is available in all 50 states.

What is Pet Insurance?

Pet insurance provides coverage over financial protection from the expenses that can come with being a pet parent. Most often, pet insurance policies cover emergency accidents and illnesses. Others include preventative and wellness as well as prescriptions and more. What type of coverage is available to you depends on your provider, your pet and their health.

Pet Insurance in Ohio: An Overview

To get started, let’s take a look at a few pet stats in the Buckeye State.

Number of households with pets:

  • 863,000 Ohio residents own a dog
  • 718,000 Ohio residents own a cat

Amount spent on pet bills annually:

  • Dogs: $1,381
  • Cats: $908

Average cost of pet insurance annually:

  • Dogs: $566
  • Cats: $354

What Does Pet Insurance Cover?

Pet insurance is generally for cats and dogs. However, some insurance carriers offer exotic pet insurance, which could cover your cockatiel, gerbil or parrot. Do some insurance comparison shopping to get a policy that suits your pet’s needs.

Here are some common types of pet insurance plans:

  • Accident-only plans cover treatment if your pet suffers an accident or injury. They don’t cover illness-related treatments.
  • Time-limited plans cover your pet’s treatment up to a fixed sum and for a set period for each injury or illness. When you reach the fixed amount or the set period ends —  whichever comes first — your pet won’t be covered for the period that remains before your policy expires.
  • Pet wellness plans cover preventive and routine treatments, including vaccinations, annual wellness exams and tick and flea prevention.
  • Lifetime plans are the most expensive but they’re also the most comprehensive. They are suitable for pets that need expensive surgical procedures or ongoing treatment for chronic illnesses.
  • Maximum-benefit plans give you a specific amount of money to spend on pet injuries or illnesses with no time limit. Once this financial limit is attained, you are excluded from making claims in the future.

Here’s what most insurance plans cover:

  • Veterinary services: Your pet insurance will cover the cost of diagnosing and treating injuries and illnesses. This typically includes the cost of hospitalization, surgery, medication, bandages, consultations, examinations, X-rays, tests and MRI scans. Some plans will include alternative therapies like herbal remedies, homeopathy, acupuncture and complementary treatments like hydrotherapy and physiotherapy.
  • Accidents: Most insurance plans cover pet care from an accident, which could include surgeries and X-rays. The amount of coverage often varies among companies — some offer accident-only insurance plans.
  • Behavioral issues: A majority of pet insurance plans offer vet care and consultation for behavioral issues. This could include separation anxiety, chewing, aggression and excessive licking. You could also get this cover as an add-on to a major plan.
  • Congenital and hereditary conditions: You’ll most likely come across these terms when shopping for pet insurance. A hereditary condition is usually passed down through generations. It could include cherry eye and diabetes. Congenital conditions present at birth. Most plans cover these conditions, others require you to pay extra or exclude these conditions. Review the fine print of your policy.
  • Prescriptions: Some plans cover prescription medications for any ongoing conditions your pet might have. This coverage differs between plans as well.
  • Overseas vet fees. Some plans offer emergency vet treatment for your pet if you’re abroad.

Understand your policy’s terms and conditions to ensure you understand everything covered in your plan. Pet insurance plans often don’t cover:

  • Preexisting injuries or illnesses may show up before your policy started. These also include injuries and illnesses that could occur again.
  • Most office visits and exam fees are covered when you bring your pet in for an exam or consultation. This fee is normally in addition to any diagnostic tests or treatments the vet performs. Some plans will cover this fee and others won’t.
  • Pregnancy and giving birth might not be covered.
  • Pet food isn’t usually covered in most plans.
  • A waiting period usually occurs at the beginning of your policy when vet treatment isn’t covered — usually during the first 14 days. Coverage typically starts for illnesses that happen or first show signs after this period. Some plans have a similar timeframe or less for injuries.

3 Reasons to Buy Pet Insurance in Ohio

Here are 3 reasons why you might want to buy pet insurance.

1. Vet bills can arise at unexpected times.

Insurance can help protect you from the uncertainties of life. Pet insurance can better prepare you (and your pocket) for unexpected diseases and accidents that could result in additional vet expenses from medications, treatments or surgery.

2. Pet insurance means improved care.

Insurance makes a vet’s job easier. They can run all the tests required to offer a timely and accurate diagnosis. This translates into faster treatment for your pet and numerous options for families.

3. Vet choices are limitless.

Most policies let you pick any licensed vet in the United States. You can keep using your current vet or seek alternative treatment if you’re from Ohio.

Get the Right Pet Insurance Plan

Ultimately, the pet insurance plan you purchase will depend on your overall financial situation and pet’s specific needs. Similarly, choosing an insurance provider is a big decision since you’ll need to consider several factors, including monthly or annual premiums, benefit limits, deductibles, age limitations, exclusions and waiting periods for coverage. If you can’t settle on a coverage option, your veterinarian could also offer invaluable insight based on experience. 

Carefully review the pricing, coverage (including exclusions) and what percentage the plan pays toward the services your pet will require. Start with our recommended pet insurance providers to find coverage in Ohio today.

Frequently Asked Questions

Do pet insurance policies cover accidents?

Generally, yes, pet insurance policies cover accidents. However, you should review the parameters of your policy to know how much is covered.

Do all veterinarians accept pet insurance?

Yes, veterinarians accept pet insurance because they bill you and you seek reimbursement from the carrier.