When you get sick and go to the doctor, your insurance helps cover some of the costs, and this is why you should consider pet insurance for your pet too.
It’s a potentially lifesaving investment, but it can be complicated trying to sort your way through all the red tape to find the best possible plan out there. To help, we developed this guide to highlight 10 of the best pet insurance plans available in West Virginia.
Don’t wait until it’s too late — check out the best pet insurance options available for you here.
A Quick Glance at Our Winners for 2023
Image Product Details
Best Overall
Trupanion
Straightforward claims process
90% reimbursement for all plans
Rates don’t go up as your dog ages
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Best Value
Spot
10% multi-pet discount
Adjustable annual limits and deductibles
Covers therapeutic diets and supplements
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Embrace
Customizable plans
Uses an annual deductible
Uses a diminishing deductible
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Figo
Customizable plans
Optional wellness coverage
Options for up to 100% reimbursement
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Healthy Paws
Easy claims process
Straightforward plans
All plans provide adequate coverage
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The 10 Best Pet Insurance Plans in West Virginia
- Trupanion — Best Overall
Compare Trupanion PlansIf you’re looking for the best long-term pet insurance policy for your pet, it’s hard to top what Trupanion has to offer. Unlike every other pet insurance company on this list, Trupanion doesn’t raise your rates as your pet gets older.
It also has one of the easiest claims processes in the entire industry, and all its plans provide top-notch coverage. The tradeoff is that you don’t get as much plan customization to fit your budget, but at least you know with a Trupanion plan, you have a top-notch insurance that will cover your pet when they need it.
Compare Trupanion Plans
If you’re looking for the best long-term pet insurance policy for your pet, it’s hard to top what Trupanion has to offer. Unlike every other pet insurance company on this list, Trupanion doesn’t raise your rates as your pet gets older.
Trupanion plans all come with 90% reimbursement rates, and it has unlimited annual payouts. Between this and the fact that it won’t increase your rates year after year, it might be more expensive up front, but in the long run, it generally tends to be more affordable than most other plans.
Pros
Rates don’t go up as your dog ages
Straightforward claims process
90% reimbursement for all plans
No payout limits
More affordable in the long run
Cons
Expensive up front
- Spot — Best Value
Compare Spot PlansWhile Trupanion might be the top choice on this list, not everyone can afford its high upfront premiums. If you need a more cost-effective option, Spot pet insurance is hard to top.
It has extremely customizable plans that enable you to find a plan that matches your budget. You can adjust the reimbursement rates, deductibles, and even the annual limit. However, while getting the lowest possible monthly premium can be tempting, not all the plans provide the level of coverage that you’ll want if you need to use the plan.
Rates don’t go up as your dog ages
Straightforward claims process
90% reimbursement for all plans
No payout limits
More affordable in the long run
- Rates don’t go up as your dog ages
- Straightforward claims process
- 90% reimbursement for all plans
- No payout limits
- More affordable in the long run
Expensive up front
- Expensive up front
Compare Spot Plans
While Trupanion might be the top choice on this list, not everyone can afford its high upfront premiums. If you need a more cost-effective option, Spot pet insurance is hard to top.
Still, you can pick exactly what you need with Spot pet insurance, and that level of customization and flexibility is a big perk. Even better, if you’re looking to enroll multiple pets into a pet insurance policy, it offers a 10% multi-pet discount to help you save more money.
Its plans also cover therapeutic diets and supplements, giving you more coverage than many other companies. However, the prices will increase as your pet ages, so keep that in mind when signing up for a plan.
Pros
Adjustable reimbursement rates
Optional preventative care packages
Adjustable annual limits and deductibles
10% multi-pet discount
Covers therapeutic diets and supplements
Cons
Not all plans provide adequate coverage
Prices increase as your pet ages
- Embrace
Compare Embrace PlansAn outstanding pet insurance company that you’ll want to consider if you’re looking for pet insurance in West Virginia is Embrace. It’s quite affordable when you look at the monthly premiums.
You get to customize the annual payout, the deductible, and the reimbursement rates, enabling you to get a plan that fits your budget. Also, Embrace uses an annual deductible. Many other plans make you meet the deductible for each visit.
Adjustable reimbursement rates
Optional preventative care packages
Adjustable annual limits and deductibles
10% multi-pet discount
Covers therapeutic diets and supplements
- Adjustable reimbursement rates
- Optional preventative care packages
- Adjustable annual limits and deductibles
- 10% multi-pet discount
- Covers therapeutic diets and supplements
Not all plans provide adequate coverage
Prices increase as your pet ages
- Not all plans provide adequate coverage
- Prices increase as your pet ages
Compare Embrace Plans
An outstanding pet insurance company that you’ll want to consider if you’re looking for pet insurance in West Virginia is Embrace. It’s quite affordable when you look at the monthly premiums.
Also, Embrace uses a diminishing deductible. The longer that you go without a claim, the lower your deductible gets! Keep this in mind when selecting a deductible for your plan. Also, not every Embrace plan provides the level of coverage that you might need.
Still, it’s affordable, offers a 10% multi-pet discount, and has optional wellness plans to help cover routine expenses. The insurance rates increase each year as your pet gets older, but since it locks you into 12-month terms, you don’t have to worry about the rate going up between those times.
Pros
Uses an annual deductible
Uses a diminishing deductible
Customizable plans
Affordable monthly rates
Optional wellness plans
10% multi-pet discount
Cons
Rates increase as your pet gets older
Not all plans provide adequate coverage
- Figo
Compare Figo PlansWhile Figo is an affordable pet insurance company, there’s no doubt that its top feature is that it’s the only insurance company that offers a 100% reimbursement option.
However, that option only comes with its $10,000 maximum annual payout plan; for its unlimited plan, the reimbursement option tops out at 90%.
Uses an annual deductible
Uses a diminishing deductible
Customizable plans
Affordable monthly rates
Optional wellness plans
10% multi-pet discount
- Uses an annual deductible
- Uses a diminishing deductible
- Customizable plans
- Affordable monthly rates
- Optional wellness plans
- 10% multi-pet discount
Rates increase as your pet gets older
Not all plans provide adequate coverage
- Rates increase as your pet gets older
- Not all plans provide adequate coverage
Compare Figo Plans
While Figo is an affordable pet insurance company, there’s no doubt that its top feature is that it’s the only insurance company that offers a 100% reimbursement option.
All the plans are extremely customizable and at least provide some kind of adequate coverage. Moreover, it has options for wellness packages that cover preventative care procedures that typical pet insurance policies don’t cover.
While these are all great features, it’ll still increase your pet insurance rates as your pet gets older, and you need to purchase an additional add-on if you want the plan to cover veterinary exam fees.
Also, after your pet turns a certain age, you will need to get a checkup from a vet for Figo to renew your plan.
Pros
Options for up to 100% reimbursement
Customizable plans
Optional wellness coverage
Cons
Rates increase as your pet ages
You need to pay extra to cover veterinary exam fees
As your pet ages, you need veterinary approval to renew
- Healthy Paws
Compare Healthy Paws PlansHealthy Paws is one of the most straightforward and easy-to-understand pet insurance policies out there. It doesn’t have any annual limits, but you can customize both the deductible and the reimbursement rate to give yourself a few customization options.
It also ensures that all its plans provide adequate coverage, which pairs well with its easy-to-follow claims process. However, while Healthy Paws pet insurance has plenty of perks, there are a few things that it could improve on.
Options for up to 100% reimbursement
Customizable plans
Optional wellness coverage
- Options for up to 100% reimbursement
- Customizable plans
- Optional wellness coverage
Rates increase as your pet ages
You need to pay extra to cover veterinary exam fees
As your pet ages, you need veterinary approval to renew
- Rates increase as your pet ages
- You need to pay extra to cover veterinary exam fees
- As your pet ages, you need veterinary approval to renew
Compare Healthy Paws Plans
Healthy Paws is one of the most straightforward and easy-to-understand pet insurance policies out there. It doesn’t have any annual limits, but you can customize both the deductible and the reimbursement rate to give yourself a few customization options.
First, it increases your premium each year as your pet gets older. Second, its plans don’t cover exam fees or any dental work. None of these things are unheard of for pet insurance policies, but it does mean that Healthy Paws isn’t going above and beyond in any area either.
Pros
No annual limits
Customizable plans
All plans provide adequate coverage
Straightforward plans
Easy claims process
Cons
Does not cover exam fees
Rates increase as your pet ages
Does not cover dental
- Pumpkin
Compare Pumpkin PlansPumpkin might not have the most “pet insurance-sounding” name, but if you look at its plans, it’s certainly a good option to consider. It’s also why Pumpkin pet insurance is one of the biggest names in the industry.
Its plans are extremely customizable, and it doesn’t let you sign up for a plan that doesn’t provide adequate coverage for your pet. Even better is what the plans actually cover. They cover things like behavioral training and dental work, which many other plans won’t touch.
No annual limits
Customizable plans
All plans provide adequate coverage
Straightforward plans
Easy claims process
- No annual limits
- Customizable plans
- All plans provide adequate coverage
- Straightforward plans
- Easy claims process
Does not cover exam fees
Rates increase as your pet ages
Does not cover dental
- Does not cover exam fees
- Rates increase as your pet ages
- Does not cover dental
Compare Pumpkin Plans
Pumpkin might not have the most “pet insurance-sounding” name, but if you look at its plans, it’s certainly a good option to consider. It’s also why Pumpkin pet insurance is one of the biggest names in the industry.
It also has an optional wellness plan that you can purchase to help you keep up with routine care for your pet. The rates will go up as your pet gets older, though, and it doesn’t cover exam fees with its plans.
Both are standard for pet insurance plans, but these are things that we’d like to see improved on.
Pros
10% multi-pet discount
Customizable plans
All plans provide adequate coverage
Plans cover behavioral training
Covers dental work
Optional wellness plan
Cons
Rates increase as your pet gets older
Does not cover exam fees
- USAA
Compare USAA PlansIf you’re eligible for USAA, check out the exclusive pet insurance rates that it can offer you. It works with Embrace pet insurance, but if you go through USAA to get your plan, you get an exclusive discount that you can’t get with anyone else.
This gives you some of the lowest possible rates out there, and that’s a huge perk. It also has great customer service, so it’ll help you figure out any problems that you might have.
10% multi-pet discount
Customizable plans
All plans provide adequate coverage
Plans cover behavioral training
Covers dental work
Optional wellness plan
- 10% multi-pet discount
- Customizable plans
- All plans provide adequate coverage
- Plans cover behavioral training
- Covers dental work
- Optional wellness plan
Rates increase as your pet gets older
Does not cover exam fees
- Rates increase as your pet gets older
- Does not cover exam fees
Compare USAA Plans
If you’re eligible for USAA, check out the exclusive pet insurance rates that it can offer you. It works with Embrace pet insurance, but if you go through USAA to get your plan, you get an exclusive discount that you can’t get with anyone else.
However, while USAA is an excellent service, not everyone is eligible for it — only service members, veterans, and their families. If you have a service member in your family or if you’re a service member or veteran yourself, check to see if you’re eligible, then take a look at the discounts that USAA can give you on pet insurance.
You get to customize the plans, but the rates go up for your pet as they get older. Still, before going with another pet insurance plan, if you’re eligible for USAA, see what it can offer you.
Pros
Outstanding customer service
Exclusive discounts
Customizable plans
Cons
Not everyone can sign up
Rates increase as your pet gets older
Sources out the plans
- Progressive
Compare Progressive PlansProgressive is a huge name in the insurance industry, so it’s no surprise that it offers pet insurance too. It has extremely customizable plans, and one of the top perks is that most of its plans cover exam fees when your pet is visiting the vet for a covered condition.
It also has optional coverage add-ons for routine care, an easy claims process, and extremely affordable rates. A unique feature of Progressive’s pet insurance plan is its 24/7 emergency vet hotline. This can help you make decisions on whether you need to take your pet to the vet or not. However, your rate will increase as your pet ages, and its plans don’t cover dental work.
Outstanding customer service
Exclusive discounts
Customizable plans
- Outstanding customer service
- Exclusive discounts
- Customizable plans
Not everyone can sign up
Rates increase as your pet gets older
Sources out the plans
- Not everyone can sign up
- Rates increase as your pet gets older
- Sources out the plans
Compare Progressive Plans
Progressive is a huge name in the insurance industry, so it’s no surprise that it offers pet insurance too. It has extremely customizable plans, and one of the top perks is that most of its plans cover exam fees when your pet is visiting the vet for a covered condition.
It’s worth checking out, especially if you already have a Progressive insurance policy. That said, while it has a few notable features, we feel like you can do better with one of the other pet insurance plans on this list.
Pros
You get access to a 24/7 emergency vet hotline
Adjustable plans
Most plans include exam fees
Optional coverage for routine care
Affordable rates
Easy claims process
Cons
Rates increase as your pet gets older
Does not cover dental
- Nationwide
Compare Nationwide PlansWhile Nationwide offers pet insurance plans, it has one of the most complicated pet insurance policies out there. It has two different styles of pet insurance. Its first plan is much like traditional pet insurance, but it covers less, has lower annual payout limits, and charges more.
That’s why its “Major Medical” plan is its more popular option by far. However, these plans have preset payout limits for each service. This makes it hard to know what to expect to pay until after you take your animal to the vet.
You get access to a 24/7 emergency vet hotline
Adjustable plans
Most plans include exam fees
Optional coverage for routine care
Affordable rates
Easy claims process
- You get access to a 24/7 emergency vet hotline
- Adjustable plans
- Most plans include exam fees
- Optional coverage for routine care
- Affordable rates
- Easy claims process
Rates increase as your pet gets older
Does not cover dental
- Rates increase as your pet gets older
- Does not cover dental
Compare Nationwide Plans
While Nationwide offers pet insurance plans, it has one of the most complicated pet insurance policies out there. It has two different styles of pet insurance. Its first plan is much like traditional pet insurance, but it covers less, has lower annual payout limits, and charges more.
However, while it does pet insurance a bit differently, it does offer affordable rates. What really sets them apart is the fact that it’s the only pet insurance company on this list that will cover exotic pets too!
But even with all these perks, it’ll still raise your monthly rate as your pet ages. It’s not a bad insurance plan, but you have more fine print to read if you want to know what you’re actually getting.
Pros
Has insurance for exotic pets
Affordably priced
Multiple pet plans
Optional wellness plans
Cons
Complicated payouts
Rates increase as your pet gets older
Preset payout limits for most plans
- ASPCA
Compare ASPCA PlansYou might think that a company like the ASPCA would offer the best possible pet insurance. However, while it has customizable plans, not all of them will provide adequate protection for your pet.
Also, its plans have low maximum payout limits. So, if the worst does strike, ASPCA pet insurance will only cover so much.
Has insurance for exotic pets
Affordably priced
Multiple pet plans
Optional wellness plans
- Has insurance for exotic pets
- Affordably priced
- Multiple pet plans
- Optional wellness plans
Complicated payouts
Rates increase as your pet gets older
Preset payout limits for most plans
- Complicated payouts
- Rates increase as your pet gets older
- Preset payout limits for most plans
Compare ASPCA Plans
You might think that a company like the ASPCA would offer the best possible pet insurance. However, while it has customizable plans, not all of them will provide adequate protection for your pet.
However, the plans are affordable, and it offers a 10% multi-pet discount. The top perk has to be that it uses an annual deductible instead of a deductible that you must meet for each visit.
It also has an outstanding customer service team, and its plans cover behavioral issues. But even with everything that it offers, you’ll likely be better served by a different company.
Pros
Customizable plans
10% multi-pet discount
Covers behavioral issues
Outstanding customer service
Has an annual deductible
Cons
Low maximum limits
Not all plans provide adequate coverage
Customizable plans
10% multi-pet discount
Covers behavioral issues
Outstanding customer service
Has an annual deductible
- Customizable plans
- 10% multi-pet discount
- Covers behavioral issues
- Outstanding customer service
- Has an annual deductible
Low maximum limits
Not all plans provide adequate coverage
- Low maximum limits
- Not all plans provide adequate coverage
Buyer’s Guide: Choosing the Best Pet Insurance Plan in West Virginia
With so many great pet insurance companies out there, it can be hard to narrow it down to just one. So, what do you need to look for in a pet insurance? We break it all down for you here.
What to Look For in Pet Insurance in West Virginia
When picking the 10 best pet insurance plans in West Virginia for this list, we considered what the company covered, the quality of its customer service team, its repayment process, and much more.
Policy Coverage
The last thing that you want when you have a pet insurance plan is to try to use it, only to realize that it doesn’t cover something. While no pet insurance plan covers preexisting conditions and all have a waiting period before you can use the plan, there are various areas where coverage can differ, such as dental problems, behavioral issues, exam fees, and even alternative therapies. Look deeply into the policy before purchasing it to see what it does and doesn’t cover.
We highly recommend trying to find a plan that can cover dental issues and exam fees, since these are both expenses that you’ll likely need to pay for at some point in your pet’s life.
Customer Service & Reputation
If you need to file a claim with your pet insurance company, you want to deal with a reputable company that isn’t going to make it difficult for you.
While we hope that your pet stays healthy so you don’t have to use your plan, none of the companies on this list make it hard to file claims, and all have well-earned reputations for paying out when users need their insurance.
Claim Repayment
Most pet insurance companies require you to pay the entirety of the vet bill up front and then reimburse you the covered amount. This makes a few factors extremely important when you’re picking out a plan.
First, how easy is it to file a claim? The process can’t start until you file, and the easier it is to file, the faster you can do it. Second, how long from a claim until it gets paid? Most of the companies on this list pay out in less than a week, and this enables you to keep your budget intact even if an unexpected vet bill tries to throw a wrench in things.
Price of Policy
It doesn’t matter what features an insurance policy has if you can’t afford it. But not only should you look at the pricing now, but you should also look at it over the life of the policy.
While it’s great to get pet insurance for your pet now, if you can’t afford the rate hikes in the future, then you’re setting yourself and your pet up for failure in the long run. You don’t want to pay more than you need to, and you also need a policy that you can afford.
Plan Customization
Not only do you know what’s best for your pet, but you also know what’s best for your budget. What’s the point in getting a plan with an unlimited annual payout and a 90% reimbursement if you don’t have more than $1,500 to drop on a vet bill right now?
That’s what a $10,000 bill with a $500 deductible comes down to. So, you should set up a plan that lowers your monthly premium while maxing out the bills at that amount.
Plan customization enables you to do this. You can also choose if you want to add on routine care coverages. You know your pet and your budget, and plans that enable you to take control are ideal.
Now that you know more about the most popular pet insurance companies in West Virginia, here are the answers to some of the most frequently asked questions.
Does Pet Insurance Cover Medication?
It depends on the pet insurance policy that you have and the specific medication that you need for your pet. For instance, if your pet needs medication because of a medically necessary surgery, pet insurance will usually cover it.
However, if your pet needs a routine medication, like a dewormer, there’s a good chance that you’ll have to pay the bill out of pocket. The exception to this is if you have a pet wellness plan that specifically covers these types of medications.
Do You Have to Go to a Specific Vet With Pet Insurance?
Since most pet insurance plans simply reimburse you when you file a claim, you typically don’t need to go to a specific vet. This means you can keep going to your favorite vet regardless of the pet insurance plan that you pick.
What Is an Annual Policy Limit on Pet Insurance?
The annual policy limit on pet insurance is the maximum amount that a pet insurance company is willing to pay out for your pet in a year. If you exceed that limit, you’re on your own to fund the rest of the bills. Some plans offer unlimited annual payouts, and this is a big perk if your pet experiences a serious health problem.
What the Users Say
There are countless testimonials out there of users who got pet insurance and the company bailed them out of an otherwise crippling situation.
You don’t want to have to pick between your pet’s life or your budget, and pet insurance helps you avoid that terrible situation. Just know what you’re getting with your pet insurance policy beforehand — there are also testimonials out there of people complaining that they didn’t get the coverage that they expected or that rates went up on them.
Which Pet Insurance Provider Is Best for You?
While we like Trupanion as the top pet insurance company, that doesn’t necessarily mean it’s right for you. If you can’t afford the high upfront premiums or want a more customizable plan, Spot pet insurance might be a better choice.
Look into the plans, get a few quotes, and then make a decision. The best pet insurance provider for you and your pet is the one that you actually get.
All the pet insurance companies on this list have great options and features, so you just need to prioritize the most important ones.
Conclusion
If you’re thinking about getting pet insurance for your pet, you should. The sooner that you get insurance, the less that you’ll pay in monthly premiums and the more likely that your pet won’t develop any preexisting conditions before you get coverage.
Don’t take the health of your pet for granted; get pet insurance, and ensure that you have the coverage that you need year after year.
Featured Image Credit: FamVeld, Shutterstock
