Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Written by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Jun 14, 2021

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Pet Insurance U receives compensation from the third parties included on this site. This includes payment for clicks from our site to insurance providers’ sites and quote requests generated. Our rankings and reviews are not affected by payments from the insurance companies. The compensation we receive allows the site to be free and regularly updated. Our goal is to review every pet insurance provider, but not all companies are listed on the site.

And many of the companies we review do not pay us anything. We simply rate, compare and review their plan because we feel it will be valuable to you. Our reviews are guaranteed to be unbiased, professional and advertising compensation does not influence rankings.

We are a free online resource for anyone interested in learning more about pet insurance. Our goal is to be an objective, third-party resource for everything pet insurance related. We update our site regularly, and all content is reviewed by pet insurance experts.

Pennsylvania is the home to many pet owners with dogs and cats becoming an integral part of the family.

And what happens when your fur kid gets in an accident and has to be taken to a hospital? Not only is this devastating emotionally, but financially it can really hurt too.

Pet insurance can help take that financial pain away.

How do you find the best pet insurance in Pennsylvania for your dog or cat?

The good news is that there are many great companies to choose from but it can take some time and patience. And that’s where we can help.

We will help guide you through what to look for your new policy with the right coverage and pricing.

Best Pet Insurance In Pennsylvania

Here are the top 5 providers of pet insurance in PA:

Need Pet Insurance?

FACT: Pet insurance pays up to 90% of vet bills when your pet is sick or injured!

Healthy Paws

healthy paws
  • Every plan has unlimited benefits including lifetime
  • All specialist therapy even alternative included in all plans
  • Excellent customer satisfaction rating of an A+
  • Uses the annual deductible and has choices from $100 to $ $750
  • Claims paid online or through their mobile app in less than 5 days.
  • Pricing is competitive:
    • Your dog insurance plan in Pennsylvania can start as lows as $31 a month.
    • Your cat insurance plan in Pennsylvania cam start as low as $15 a month.

To learn more about Healthy Paws, our full review will give you all the details.

Get your Healthy Paws Quote Here


  • Customers love Petplan and the BBB gives it an A+ rating
  • The vet exams are covered in all plans
  • Annual deductibles are from $100 to $1000 (not per-incident)
  • $2,500 to unlimited benefits (in the most expensive plan)
  • Up to 90% reimbursement rates
  • Pets of all ages are welcome
  • Vet helpline available to answer any question
  • Pricing is competitive:
    • Your dog insurance plan in Pennsylvania can start as low as $24 a month.
    • Your cat insurance plan in Pennsylvania can start as low as $16 a month.

Learn More: Read our Petplan Review.

Get Your Petplan Quote Here


  • Figo has very happy customers and a BBB rating of A+
  • Reimbursement from 70% to even 100%
  • Very tech-oriented – a cloud-based platform for easy payment and a pet community.
  • Hereditary issues like Hip Dysplasia covered if cured after a year.
  • Co-pay and deductible reimbursed if dog or cat needs lifesaving care.
  • Exam fee allowance of up to $50
  • Pricing is competitive (but on the higher end):
    • Your dog insurance plan in Pennsylvania can start at $42 a month.
    • Your cat insurance plans in Pennsylvania can start at $26 a month.

Learn More: Read our Figo Pet Insurance Review.

Get your Figo quote here


embrace pet insurance
  • Embrace has happy customers with a 98% approval
  • Wellness plans can be added if of interest
  • Periodontal disease and dental care allowance: $650
  • Annual deductible model up to $1,000.
  • Benefit limits only up to $15,000 (can be limiting).
  • All therapies available including alternatives.
  • $10 off for all neutered cats and dogs – $50 discount for healthy pets.
  • Pricing is competitive:
    • Your dog insurance plan in Pennsylvania can start as low $32 a month.
    • Your cat insurance plan in Pennsylvania can start as low $16 a month.

Learn More: Read our Embrace Pet Insurance Review.

Get Your Embrace Quotes Here


  • An A + rating with the BBB
  • Benefit limits up to $20,000
  • Deductibles from $50 to $500 (annual)
  • Holistic care included in all plans
  • Only 14 day waiting period for hip dysplasia!
  • Wellness plans available
  • No upper age limit
  • Pricing is competitive (and on the lower end):
    • Your dog insurance plan in Pennsylvania can start as low $22 a month.
    • Your cat insurance plan in Pennsylvania ca start as low $15 a month.

Learn More: Read our PetFirst Review.

Get Your Pet First Quote Here

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Why Purchase Pet Insurance In Pennsylvania?

Pennsylvania has some disparate climate. Summers can be really hot and humid, while winter is bone-chilling cold.

Your dog or cat could suffer either hypothermia during the summer or frostbite in the winter.

And that’s just the beginning.

Healthy Paws, one of the top pet insurance companies, warns us that for 1/3 of all pets will become seriously injured or sick.

Related: 10 Things You Must Know Before You Buy Pet Insurance

With prices for all veterinary costs increasing, a $15,000 medical bill is all too common. And that could be just for one visit!

You never want to be in a position where you can’t treat your cat or dog to the proper care because it’s too expensive.

And with pet insurance, you can be reimbursed up to 90% of your entire bill.

Pet Health Issues Commonly Seen In Pennsylvania

Let’s take a look at some very common health issues and the price you would pay in Pennsylvania for treatment:

  • Addison’s Disease: $2,000 annually
  • Cancer: $5,000 to $25,000
  • Ligament Tear: $3,500 to $6,500
  • Poisoning: $400 to $1,000
  • Cat Kidney Disease: $1,500 to $10,000

You can see how just one common ailment or disease can be really expensive.

Pet insurance helps offset those costs, by a lot.

Real Cost Savings from PetFirst Clients


PetFirst saved his parents


A happy energetic Luna one morning couldn’t hold her food down. After months of multiple costly vet visits to specialists and an endoscopy, the problem was discovered and fixed. Luna put 22 pounds back on in no time and her parents were grateful for having PetFirst by their side to pay the bills.

Practical Example Of How Pet Insurance Helps

Your dog swallows a sock and has to be taken to the emergency room.

Your dog is administered treatment to help push the sock through his digestive system. And, thankfully it works and all is well.

But, the entire incident costs you $5,000. And this is ONLY because your dog didn’t need surgery (which could have cost up to $20,000)

Luckily, you had enrolled in a policy with 90% coverage.

And you have a $200 annual deductible (only need to pay it once).

You pay the $200 deductible and your vet bill balance is $4,800. So your payment is 10% of the cost of $480.

Your pet insurance will then pay you back the balance of $4,320.

Instead of paying $5,000, with pet insurance, you will now pay $680. That’s quite a savings!

Enter your ZIP code below to view companies that have cheap pet insurance rates.

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When Is The Best Time To Enroll Your Pet?

The best time to a pet is when they are at their youngest, kittens or puppies.

Kittens and puppies, while having some common illnesses, are very healthy at this phase and the prices are really affordable.

Pet insurance companies won’t cover anything that your pet has already developed or what is referred to as a pre-existing condition.

Therefore, while it seems counterintuitive to insure a healthy pet, you are banking on future ailments and injuries.

If your cat has chronic ear infections, they will be treated for life if you have pet insurance. And this can even save you money in the long run.

What Is Included In The Best Coverage?

The top companies have coverage for almost any treatment or diagnostic test necessary.

The better pet insurance plans cover at least the following:

  • Accidents
  • Injuries
  • Hereditary and chronic conditions
  • All diseases (that aren’t pre-existing)
  • Surgery
  • Specialist and specialty therapy
  • Medical Prescriptions
  • Alternative Therapy
  • Emergency or hospital visits

Coverage Plans For Your Dog Or Cat In Pennsylvania

The broadest coverage is comprehensive pet insurance that includes almost any illness or accident that your pet might encounter:

  • Comprehensive Pet Insurance: A comprehensive plan covers any treatment, accident, condition, therapy or whatever your pet might encounter including hospital care. If you are investing in any policy, make sure it is comprehensive.
  • Accident Only: As the name implies, these plans cover only accidents and sometimes a few other events, but not illness. Any serious illness can be very expensive so this is not recommended.
  • Wellness Plan: Wellness is coverage for preventative care procedures like flea treatment and annual vet exams that can easily be paid for on their own. It is added to a normal pet insurance policy for an additional fee.

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Benefit Limits

Benefit limits are essentially the cap or the most that a company will pay out each calendar year.

The best plans will have very high limits or even unlimited. Healthy Paws has unlimited lifetime benefits in all of their plans which is always preferred.

  • Unlimited Lifetime: As the name suggests, you will have unlimited benefits for an illness or condition for your cat or dog’s life. With a disease like cancer or diabetes, this can be a real saver to have continuous care and no limits.
  • Annual Per Incident/ Maximum: These two plans set a maximum amount that can be paid for each illness or condition. While this helps lower some monthly pricing, if your cat or dog gets hurt or sick, you could easily hit the limit.
  • Lifetime Maximum: A maximum amount is set for your pet’s entire life. Again, you can see why this isn’t preferable as lifetime limits can be hit quickly.

Factors That Affect The Cost of Pet Insurance in PA

We all want the best price for our plans and there are many factors that can help adjust the cost.

In fact, pricing is influenced by not only your pet’s type and age, but even the city in which you live.

A dog in Allentown is less expensive to insure than a dog in Pittsburg, Pennsylvania because the cost of living is less there.

Pet insurance takes these costs into account.

Real Cost Savings from PetFirst Clients


PetFirst saved his parents


Artemis was a beautiful and friendly cat to all who were willing to pet him. Unfortunately, he developed feline diabetes which required regular vet visits and medications that his Mother could not otherwise afford on her fixed income. Having PetFirst insurance, she called and discussed the problem with a friendly PetFirst agent. To her surprise, she found out that Artemis’ ongoing required vet visits and medication would be covered by his PetFirst insurance. Artemis was able to live out the rest of his life with proper medical care and medicines thanks to PetFirst insurance.


The deductible is a set amount that you determine at the beginning of each policy.

It is if the required payment that needs to be met before the pet insurance plan begins.

The price of a deductible can range as low as $50 to a high of $1,200.

The amount you choose will affect your premium. If you want a lower premium, choose on the higher end of the deductible offered.

  • Annual Deductible: We always recommend this option as it is a one-time annual payment.  You choose the amount, pay it and you’re done for the year
  • Per Condition (either annual or lifetime): This is not our favorite as you have to pay each time our dog or cat develops any condition or illness. This can be helpful if your cat has a serious disease, like cancer, and you pay the lifetime deductible once. But if your dog has any other condition, you have to pay another deductible.


All pet insurance gives you a choice of reimbursement ranges that are usually from 70% to 90%.  Figo even offers an option of a 100% reimbursement rate.

Of course, the higher the reimbursement range you choose, the higher your monthly premium cost.  It is up to you to decide how to budget your payment structure.

On the flip side, a lower reimbursement choice will reflect in a lower premium.

Pet insurance companies have some choices of reimbursements:

  • Actual Cost: The plans that are reimbursed on actual costs are preferred because you are being reimbursed directly from the vet’s medical bill on the actual costs.  And at the percentage that you chose.
  • Benefit Schedules: These are reimbursements with set amounts for certain conditions or illnesses which can be restricting.
  • Usual and Customary: Some companies will base reimbursement on the “typical costs” of the treatment or procedures. This is too arbitrary and random and not a good choice.

Customer Service And Reviews

Reviews and customer service are always important in any new insurance policy. The same can be said for pet insurance.

Does the company have good reviews? Do they have a good rating from the BBB?

What about customer service? Are they readily available and able to answer all your questions?

How about claims?  Are they being paid instead of being denied?  Do they have a quick turn-around time to get your reimbursement?

If you like to pay directly online, make sure the company of your choice has an easy way to pay directly or even a mobile app. The best companies will give you that option.


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Shopping For Pet Insurance in PA

In consideration of all the above factors from coverage to pricing and even customer review, below is a list of the top 5 pet insurance companies in Pennsylvania.

And there you go!

With veterinary costs rising, it really is a great idea to at least look into a pet insurance policy for your dog or cat in Pennsylvania.  It can be both a stress reliever emotionally and financially.

There are, of course, other top pet insurance companies not on this list.  Our top 10 pet insurance companies can give you some other options.


Other articles you may find helpful: 


Is Exotic Pet Insurance Necessary? 

The Best Pet Insurance By State 

What Is Pet Insurance?

Fun Facts, Dog FAQ, And Unsolicited Dog Advice

5 Training Commands to Save Your Dog’s Life

The Ultimate Guide to Safe Foods for Dogs

Dog Health Problems

Dog Breeds


Cat Health Problems

Cat Breeds


Finding the best pet insurance companies can be challenging, especially, if you are looking for an emergency vet near you. Here’s a list of the best pet insurance companies in your State


New Hampshire, Arizona, Florida, Illinois, Texas, California, Massachusetts, New Jersey, Washington, Seattle, Iowa, Oregon, Minnesota, Utah, Idaho, Hawaii, New York City, North Carolina, Maine, Rhode Island, Ohio, Connecticut, Pennsylvania