1. SPOT PET INSURANCE
This Best pet insurance in ohio offers the most comprehensive wellness package among the reviewed firms. Thanks to renowned dog trainer Cesar Millan, Spot is an excellent alternative for pet parents who want assistance training their pets to avoid certain vet visits. Spot offers flexible, uncomplicated insurance services to provide your dog or cat with the necessary coverage at a price that suits your budget.
Spot’s coverage pays for examination expenditures related to accidents and inherited or congenital diseases and offers a preventative care add-on package that promotes basic wellbeing, such as dental cleanings and vaccines.
Alternative therapies such as chiropractic care, acupuncture, and rehabilitative therapy are eligible for reimbursement for covered conditions, as are pre-existing conditions that have been satisfactorily treated and have been symptom-free for 180 days.
We particularly appreciate that Spot’s plans, add-ons, coverage, and premium preferences are very adjustable and reasonably priced. Multiple dogs are eligible for a 10% discount on basic plans, which start at $10 per month.
- Add-on for preventive care and no exam fees
- No age limits
- Any veterinarian, emergency care facility, or specialty is welcome.
- No coverage for pet food prescriptions
- Includes a lengthy accident waiting period
2. Lemonade Pet Insurance Logo
Lemonade as one of the Best pet insurance in ohio, it is the greatest option for pet owners who wish to bundle with more Lemonade items. This New York City-based insurance company is well-liked for its inexpensive pet insurance (as low as $10 per month), 10% discount if you also have Lemonade home insurance, 5% discount for enrolling multiple pets, and a convenient mobile app that gives you instant control over your policy as well as record-breaking claim turnaround speed.
Basic coverage from Lemonade begins at $10 per month and includes diagnostics, procedures, certain drugs, and accidental injuries.
Although Lemonade does not cover dental or other non-accident or illness-related care, these and other preventative services can be added for as low as $0.60 per month.
Customizable, low deductibles ($100 to $500 annually) and high coverage limits ($5,000 to $100,000) allow you to personalize your pet insurance to your pet’s demands and your budget.
- Completely online service
- Additional preventive treatment for kittens and puppies (under 2 years old)
- Available coverage for examination fees and physical therapy
- Unique on the market
- No upfront refund assurance
3. ACCEPT PET INSURANCE
Embrace offers the lowest deductibles and is a wonderful alternative for pet owners seeking nose-to-tail coverage. This Best pet insurance in ohio promotes itself as one of the best places to work in Ohio, but we discovered that its quality care does not end there.
The highly customizable base plan of Embrace covers veterinary costs associated with accidents, injuries, and illnesses. This includes therapy for chronic ailments, dental accidents and diseases, consultations and tests, procedures and treatments, and follow-up care.
Through Embrace’s basic, accident-only plan, pets older than 14 years exhibiting signs of diabetes, Cushing’s illness, Addison’s disease, or FeLV/FIV are attentively cared for. Coverage for treatable illnesses, such as cancer, that recur after your pet has been symptom- and treatment-free for a year, is considered a necessity.
Routine and preventative treatment provided by the Wellness Rewards add-on plan from Embrace can help your dog or cat live a long and healthy life. It provides coverage for wellness checks, spaying and neutering, alternative care such as acupuncture and toenail clipping, as well as prescription food and preventive medication.
As one of the Best pet insurance in ohio, they provides benefits and discounts for practically everyone, including a Healthy Pet Deductible that applies a $50 credit towards your deductible for every year your pet does not file an accident or illness claim.
In addition, Embrace offers a 10% discount for enrolling multiple pets and a 5% discount for members of the Armed Forces, as well as discounts for ACH members, further savings if you want to spay or neuter your pet, and a bonus for paying annually as opposed to monthly.
- Cancer treatment coverage
- Dental care
- Wellness Pet Deduction
- Strict restrictions for pre-existing conditions
- More expensive than most other pet insurance companies
4. HEALTHY PAWS PET INSURANCE
Healthy Paws is ideal for chronically ill pets. Due to its generosity in providing dogs and cats with the health they deserve, we have also named Healthy Paws the most philanthropic pet insurance company.
The company adheres to its mission by contributing $2 to charities for every processed insurance quotation and by providing a single pet insurance plan that includes all the essentials and simplifies pet health insurance.
The company’s all-inclusive plan includes coverage for accidents, illnesses, cancer, emergency treatment, genetic problems, and alternative care. Other clinics we researched include tooth cleanings, spaying and neutering, and the choice of a wellness or preventative package, which Healthy Paws does not offer.
In spite of this, we value the rapid mobile claims processing and personalized coverage that make Healthy Paws cheap.
- Simple claims processing via their mobile app
- Unlimited lifelong advantages
- Supportive grant initiatives for animal shelters and rescues
- Not covering exam fees
- New client charge
- There is no wellness or prevention package.
5. ASPCA PET INSURANCE
The ASPCA offers the most adaptable plans, making it the perfect option for those seeking a low deductible and low out-of-pocket expenses. As a reputable partner of the American Society for the Prevention of Cruelty to Animals, ASPCA is a dog and cat health insurance provider that offers direct connection with clients via its mobile app, accepts any dog or cat without requiring a pre-enrollment exam, and provides all the essential health coverage in addition to rare support for behavioral issues and alternative therapies.
This Best pet insurance in ohio offers three plans, ranging from accident-only coverage to comprehensive care, which includes coverage for inherited or congenital disorders, behavioral difficulties, and dental disease.
The wellness coverage plan, which provides preventative treatment such as dental cleaning, wellness assessment, deworming, health certification, flea/heartworm prevention, tests, immunizations and titers, and urinalysis, can be added to these basic policies.
Despite the fact that ASPCA’s average plan prices are higher than other plans we’ve reviewed and that dental disease coverage is ranked low, we’ve kept them on our list of favorites because their plans cover all the essentials, have notably low annual deductibles, and offer monthly or annual payment options to accommodate any budget.
Additionally, the ASPCA provides a 10% discount for enrolling several pets.
- Addresses microchipping
- Affordable deductibles
- No exam required before enrollment
- negative customer reviews
- Actual veterinarian expenditures are less than the majority of medical bills for quality care.
6. PRUDENT PET INSURANCE
Prudent Pet is ideal for dog and cat owners who want a comprehensive plan with all the essential features. We’ve determined that Prudent Pet offers the most inclusive plans.
Its three plans include accident-only benefits, accident plus treatment benefits for congenital defects and hereditary conditions, and a final, comprehensive plan that includes all of the above as well as some exceptional extras such as boarding fee and vacation cancellation coverage, as well as support for loss and mortality.
Except for the full-coverage, cap-free ultimate plan, all Prudent Pet insurance policies have a $10,000 yearly maximum. Annual deductibles range from $100 to $1,000 and can be tailored to your specific needs.
Prudent Pet does not cover pre-existing conditions, cosmetic operations, breeding-related charges, dental cleanings, or grooming; however, many of these services can be added to a preventative care package for an additional $11.95 to $29.95 for dogs and $7.95 to $19.95 for cats.However, it is also regarded as one of the Best pet insurance in ohio.
- Solid preventive care alternatives
- Flexible yearly limits
- Unrestricted veterinary consultations 24 hours a day, seven days a week, 365
- Only applies to dogs and cats
- Excludes prescription food, diet charges, and certain alternative therapies.
- Set annual caps
7. FIGO PET INSURANCE
We choose Figo because of its outstanding Extra Care Pack, which provides additional coverage for unforeseen expenses, such as emergency boarding fees, vacation cancellation fees if your pet is unwell, and payments associated with third-party damage your pet may cause.
The pet insurance policy for Figo covers accidents and illnesses, such as chronic conditions, fractured bones, and cancer. It covers costs associated with these disorders, including as diagnostic testing, prescription drugs, surgical procedures, emergency treatment, and hospitalization.
For additional coverage with Figo, you can purchase a vet visit and exam cost add-on and one of two wellness care plans to assist pay for preventative treatments, like as annual checks and vaccines.
In addition, the Extra Care Pack includes coverage for lost-pet advertising and reward costs, burial and cremation fees, vacation cancellation fees, emergency boarding fees, and liability for damage to third-party property.