Some pet insurance plans available in Virginia offers comprehensive coverage, low premiums, and top-notch customer service. In our research and reviews, we’ve looked for policies that cover the most common pets and that have solid financial backing. Here’s what we found, along with reviews of each insurance company and more information you may need when shopping for a policy.
A Quick Look at the Winners for 2023
Image Product Details
Best Overall
Spot Pet Insurance
Comprehensive coverage
Low annual premium
Solid financial backing
Click to Get Quote
Best Value
Pumpkin Pet Insurance
Customizable coverage
Affordable pet insurance plans
Good customer reviews
Click to Get Quote
Best for Customer Service
Lemonade Pet Insurance
24/7 customer support
User-friendly mobile app and website
Click to Get Quote
Best for Bundle Discounts
Wagmo Pet Insurance
Bundle discounts
100% reimbursement
Wellness Rewards Program
Click to Get Quote
Best for Online Quotes
Fetch Pet Insurance
Lower deductibles
A lot of customization options
User-friendly website and mobile app
Click to Get Quote
Our 10 Pet Insurance Reviews in Virginia
- Spot Pet Insurance – Best Overall
Compare Spot Plans
Annual Limit: $2,500-unlimited
Reimbursement: 70, 80, 90%
Deductible Amounts: $100-$1,000
Spot is one of the best pet insurance companies in Virginia for a number of reasons. Their coverage is comprehensive, and they have a low annual premium. Its standout feature is their “Wellness Rewards” program which reimburses you for routine vet care, vaccinations, and more.
Compare Spot Plans
Annual Limit: $2,500-unlimited
Reimbursement: 70, 80, 90%
Deductible Amounts: $100-$1,000
They are also backed by a solid financial institution. However, according to reviews, their customer service could be improved.
Comprehensive coverage
Low annual premium
Solid financial backing
Wellness Rewards Program
- Comprehensive coverage
- Low annual premium
- Solid financial backing
- Wellness Rewards Program
Mediocre customer service
- Mediocre customer service
- Pumpkin Pet Insurance – Best Value
Compare Pumpkin Plans
Annual Limit: $7,000-unlimited
Reimbursement: 90%
Deductible Amounts: $100, $250, $500
Pumpkin offers some of the most affordable pet insurance plans in Virginia. Their “Basic” plan has a $250 deductible and covers up to 90% of vet bills.
Compare Pumpkin Plans
Annual Limit: $7,000-unlimited
Reimbursement: 90%
Deductible Amounts: $100, $250, $500
Pumpkin is also one of the only pet insurance companies that allows you to customize your coverage. For example, you can add on riders for dental care, alternative therapies, and more.
The only downside to Pumpkin is that they don’t have the best financial backing. However, they do have great customer reviews.
Affordable pet insurance plans
Customizable coverage
Good customer reviews
- Affordable pet insurance plans
- Customizable coverage
- Good customer reviews
Not the best financial backing
- Not the best financial backing
- Lemonade Pet Insurance – Best for Customer Service
Compare Lemonade Plans
Annual Limit: $5,000-$100,000
Reimbursement: 70, 80, 90%
Deductible Amounts: $100, $250, $500
Lemonade is one of the only pet insurance companies that offers 24/7 customer support. They also have a user-friendly mobile app and website. While their coverage is good, it’s not as comprehensive as other companies on this list. For example, they don’t cover hereditary or congenital conditions.
Compare Lemonade Plans
Annual Limit: $5,000-$100,000
Reimbursement: 70, 80, 90%
Deductible Amounts: $100, $250, $500
24/7 customer support
User-friendly mobile app and website
- 24/7 customer support
- User-friendly mobile app and website
Coverage isn’t as comprehensive as other companies
Doesn’t cover hereditary or congenital conditions
- Coverage isn’t as comprehensive as other companies
- Doesn’t cover hereditary or congenital conditions
- Wagmo Pet Insurance – Best for Bundle Discounts
Compare Wagmo Plans
Annual Limit: $20,000
Reimbursement: 100%
Deductible Amounts: $500, $750, $1,000
Wagmo offers a discount if you bundle your pet insurance with their other products, like homeowners’ insurance. They also have a “Wellness Rewards” program that reimburses you for routine vet care, vaccinations, and more. They have a set annual limit and reimburse 100% of vet bills after your deductible is paid. However, their deductibles are higher than other companies. Customers also say that their customer service could be improved.
Compare Wagmo Plans
Annual Limit: $20,000
Reimbursement: 100%
Deductible Amounts: $500, $750, $1,000
Bundle discounts
Wellness Rewards Program
100% reimbursement
- Bundle discounts
- Wellness Rewards Program
- 100% reimbursement
Higher deductibles
Mediocre customer service
- Higher deductibles
- Mediocre customer service
- Fetch Pet Insurance – Best for Online Quotes
Compare Fetch Plans
Annual Limit: $5,000, $10,000, $15,000
Reimbursement: 70, 80, 90%
Deductible Amounts: $250, $300, $500
Fetch has a user-friendly website and mobile app. While their coverage is good, it’s not as comprehensive as other companies on this list. For example, they don’t cover hereditary or congenital conditions. They also have a lot of different customization options and lower deductible amounts so you can find one that meets your budget.
Compare Fetch Plans
Annual Limit: $5,000, $10,000, $15,000
Reimbursement: 70, 80, 90%
Deductible Amounts: $250, $300, $500
User-friendly website and mobile app
A lot of customization options
Lower deductibles
- User-friendly website and mobile app
- A lot of customization options
- Lower deductibles
- MetLife Pet Insurance – Best for Discounts
Compare MetLife Plans
Annual Limit: $500-unlimited
Reimbursement: 70, 80, 90, 100%
Deductible Amounts: $0-$2,500
MetLife offers a number of discounts, including a multi-pet discount and a military discount. They also pay covered expenses and also offer a wide range of reimbursement, annual limits, and deductible options, including the option for no deductible.
Compare MetLife Plans
Annual Limit: $500-unlimited
Reimbursement: 70, 80, 90, 100%
Deductible Amounts: $0-$2,500
However, their customer service could be improved, and they don’t have the best financial backing.
Multi-pet discount
Military discount
Wide range of customizations
- Multi-pet discount
- Military discount
- Wide range of customizations
Mediocre customer service
Not the best financial backing
- Mediocre customer service
- Not the best financial backing
- Trupanion Pet Insurance – Best for No Payout Limits
Compare Trupanion Plans
Annual Limit: None
Reimbursement: 90%
Deductible Amounts: $0-$1,000
Trupanion is one of the only pet insurance companies that doesn’t have a payout limit. They also reimburse covered costs at 90%, one of the highest rates in the industry and will pay vets directly if your vet is in their network.
Compare Trupanion Plans
Annual Limit: None
Reimbursement: 90%
Deductible Amounts: $0-$1,000
However, their customer service could be improved, plus they have a waiting period and they do not cover preexisting conditions.
No payout limits
Pays vets directly
Reimburses at 90%
- No payout limits
- Pays vets directly
- Reimburses at 90%
Mediocre customer service
Waiting period
Does not cover preexisting conditions
- Mediocre customer service
- Waiting period
- Does not cover preexisting conditions
- Figo Pet Insurance – Best for Technology
Compare Figo Plans
Annual Limit: $5,000, $10,000, unlimited
Reimbursement: 70, 80, 90, 100%
Deductible Amounts: $100-$750
Figo is one of the most technologically advanced pet insurance companies. They have a user-friendly website and mobile app, and they offer GPS tracking for lost pets. They are also one of the few companies that offers the option for 100% reimbursement. You also have the option for unlimited annual limits and a wide range of deductible amounts.
Compare Figo Plans
Annual Limit: $5,000, $10,000, unlimited
Reimbursement: 70, 80, 90, 100%
Deductible Amounts: $100-$750
However, their customer service could be improved.
User-friendly website and mobile app
GPS tracking for lost pets
Up to 100% reimbursement
- User-friendly website and mobile app
- GPS tracking for lost pets
- Up to 100% reimbursement
- ASPCA Pet Insurance – Best for Overall Coverage
Compare ASPCA Plans
Annual Limit: $3,000, $4,000, $5,000, $7,000, $10,000
Reimbursement: 70, 80, 90, 100%
Deductible Amounts: $100, $250, $500, $1,000
ASPCA pet insurance offers some of the most comprehensive coverage on this list. They cover hereditary and congenital conditions, as well as alternative therapies like acupuncture and chiropractic care. They also cover horses and offer a wide range of annual limit, deductible, and reimbursement options. However, their premiums are higher than other companies on this list.
Compare ASPCA Plans
Annual Limit: $3,000, $4,000, $5,000, $7,000, $10,000
Reimbursement: 70, 80, 90, 100%
Deductible Amounts: $100, $250, $500, $1,000
Comprehensive coverage
Covers hereditary and congenital conditions
Alternative therapies like acupuncture and chiropractic care
- Comprehensive coverage
- Covers hereditary and congenital conditions
- Alternative therapies like acupuncture and chiropractic care
Higher premiums than other companies
- Higher premiums than other companies
- Geico Pet Insurance – Best for Military Discount
Compare Geico Plans
Annual Limit: $5,000-$30,000
Reimbursement: 65, 70, 80, 90%
Deductible Amounts: $200-$1,000
Geico offers a military discount on their pet insurance plans, and they already have a great reputation in the insurance world. You may have the option to bundle with other policies as well. They offer a wide range of annual limits, reimbursement rates, and deductible amounts. However, their customer service could be improved, as it may take a while to get through to someone.
Compare Geico Plans
Annual Limit: $5,000-$30,000
Reimbursement: 65, 70, 80, 90%
Deductible Amounts: $200-$1,000
Military discount
Wide range of plan customization
- Military discount
- Wide range of plan customization
May take a while to get in touch with someone
- May take a while to get in touch with someone
Buyer’s Guide: How to Choose the Right Pet Insurance Provider in Virginia
What Does Pet Insurance Cover?
As a pet parent, it’s important to know what kinds of things pet insurance can cover. In general, most policies will reimburse you for some or all of the costs associated with:
Vet bills (including routine care, accidents, and illnesses)
Prescription medications
Emergency care
Surgery
Some policies will also cover things like:
Rehabilitation therapy
Cancer treatment
Dental care (both routine and emergency)
Alternative therapies (such as acupuncture or chiropractic care)
Behavioral training
Boarding fees (in the event that you have to go into the hospital)
Of course, not all policies are created equal. Some will cover more than others, and some will have higher deductibles or copays. That’s why it’s important to read the fine print and understand exactly what your policy does and does not cover before you sign on the dotted line.
- Vet bills (including routine care, accidents, and illnesses)
- Prescription medications
- Emergency care
- Surgery
Some policies will also cover things like:
- Rehabilitation therapy
- Cancer treatment
- Dental care (both routine and emergency)
- Alternative therapies (such as acupuncture or chiropractic care)
- Behavioral training
- Boarding fees (in the event that you have to go into the hospital)
What You Need to Know About Virginia’s Policies About Pet Insurance
Pet insurance is not required by law in Virginia, but it is a good idea to consider buying a policy for your pet. Pet owners are responsible for their pet’s medical bills, and veterinary care can be expensive.
There are a few things to keep in mind when considering pet insurance in Virginia. First, make sure to read the policy carefully to understand what is and is not covered. Some policies have exclusions for pre-existing conditions, so it’s important to know if your pet has any conditions that would not be covered by the policy.
It’s also important to compare different policies and companies before buying. Make sure you understand the deductibles, co-pays, and reimbursement levels of each policy. And be sure to ask about any discounts that may be available.
Finally, keep in mind that you may need to purchase separate policies for each pet you own. Some companies offer discounts for multi-pet households, so be sure to ask about that as well.
Now that you know a little bit more about pet insurance in Virginia, you can make an informed decision about whether it’s right for you and your pet.
What to Look for in Pet Insurance
When you’re looking for pet insurance, there are a few things you should keep in mind.
Coverage
The first thing you need to consider is what kind of coverage you want. Some pet insurance companies only cover accidents and illnesses, while others also cover routine care, like vaccinations and teeth cleaning. Make sure to read the fine print so you know what’s covered.
Deductibles and Reimbursement Levels
Another thing to look at is the deductible and reimbursement level. The deductible is the amount you have to pay out-of-pocket before your insurance kicks in, and the reimbursement level is the percentage of your vet bills that the insurance company will pay. For example, if you have a $500 deductible and 80% reimbursement level, you will have to pay $500 out-of-pocket before the insurance company would start paying, and they would only pay 80% of your vet bills after that.
Exclusions
You also need to be aware of exclusions, which are conditions or treatments that are not covered by insurance. For example, some policies don’t cover hereditary or congenital conditions, while others exclude alternative therapies like acupuncture or chiropractic care. Most policies don’t cover preexisting conditions either, which are conditions your pet had before purchasing an insurance policy. Make sure you know what’s excluded so you can make an informed decision about whether the policy is right for you.
Cost
Of course, cost is always a factor to consider. Premiums can vary widely depending on the company, the coverage, and the deductible and reimbursement levels. Higher deductibles mean lower premiums, and vice versa. Higher reimbursement percentages and annual limits mean higher premiums.
Claim Repayment
As we’ve mentioned, it’s important to choose a pet insurance company that has a history of paying claims promptly. You don’t want to be stuck with a huge vet bill and a delayed reimbursement. To get an idea of how quickly companies reimburse claims, you can check out their websites or contact customer service.
Customer Service
Speaking of customer service, this is another important factor to consider when choosing a pet insurance company. You want to make sure the company you choose has friendly, helpful customer service representatives who are available to answer your questions.
Can I Get Pet Insurance Outside the U.S.?
Yes, there are a few companies that offer pet insurance internationally. One such company is Trupanion, which offers coverage in Canada, Australia, and New Zealand. Another option is Pets Best, which offers coverage in the U.K.
What’s the Difference Between Pet Insurance and Veterinary Pet Insurance (VPI)?
Pet insurance and VPI are two different things. Pet insurance covers your veterinary bills, while VPI covers your pet’s health care costs. VPI also offers some additional benefits, like lost pet recovery and 24/7 emergency hotline access.
How Much Does Pet Insurance Cost?
Pet insurance premiums can vary widely depending on the company, the coverage, and the deductible and reimbursement levels. The average premium amount in Virginia is $33.21 per month.
How Do I File a Claim with Pet Insurance?
To file a claim with pet insurance, you will need to contact the company and provide them with your policy number, the date of service, and the name of the veterinarian. You will also need to submit a copy of the veterinary bill. The reimbursement process can take up to two weeks.
What Should I Do If My Pet Gets Sick or Injured?
If your pet gets sick or injured, the first thing you should do is contact your veterinarian. They will be able to help you assess the situation and determine the best course of action. If your pet needs to be seen by a specialist or needs to have surgery, pet insurance can help you cover the cost.
Is There a Time Limit on Filing a Claim?
Yes, most pet insurance companies have a time limit for filing claims. For example, Pets Best has a 14-day time limit, while Trupanion has a 30-day time limit.
What Is the Claims Process Like?
The claims process can vary depending on the pet insurance company. Most companies will require you to submit a claim form, along with your veterinary bill and other supporting documentation. Once the claim is received, it will be reviewed by a claims adjuster. The adjuster will determine if the claim is eligible for reimbursement and how much the reimbursement will be. The whole process can take up to two weeks.
Is There a Limit on How Much I Can Claim with Pet Insurance?
Most pet insurance policies have a maximum benefit limit, which is the maximum amount that the policy will pay out per year. Once you reach this limit, your policy will not cover any additional veterinary expenses.
I Have More Than One Pet. Can I Get a Multi-Pet Discount on My Policy?
Some pet insurance companies offer discounts for multi-pet households. These discounts can range from 5% to 15% off your premium.
What Happens If I Move to Another State?
If you move to another state, you will need to contact your pet insurance company to see if your policy is still valid. Some policies are only valid in the state where they were purchased, while others are valid nationwide.
What Happens If I Need to Cancel My Policy?
Most pet insurance companies will allow you to cancel your policy at any time. However, you may not be eligible for a refund if you have already filed a claim or if your policy has been in effect for less than a year.
How Do I Choose the Best Pet Insurance Company?
There are a few things to consider when choosing a pet insurance company. First, make sure the company offers the type of coverage you need. Second, compare premiums and deductibles to find the most affordable option. Finally, read reviews and check financial stability ratings to make sure the company is reputable and will be able to pay out claims.
What the Users Say
Reviews of the top pet insurance companies in Virginia are positive, with many owners citing the peace of mind that comes with having coverage. The most common complaint is that premiums can be expensive, but many owners feel that the coverage is worth the cost. Some specific reviews include:
“I’ve been very happy with my policy from Nationwide. They’ve always been quick to process claims and the customer service is excellent.”
“I shopped around for a long time before I decided on Trupanion. They had the best coverage at the most affordable price.”
Which Pet Insurance Provider Is Best for You?
The right pet insurance company for you will depend on your individual needs and budget. If you’re looking for comprehensive coverage at an affordable price, Spot or Pumpkin may be a good option. If you’re willing to pay more for the peace of mind that comes with a high-benefit limit, Trupanion could be the right choice.
No matter which company you choose, pet insurance can give you peace of mind and financial protection in the event of an unexpected veterinary emergency.
Conclusion
Pet insurance is a wise investment for any pet owner. It can help you cover the cost of unexpected veterinary bills and gives you peace of mind in knowing that your pet will be taken care of if they get sick or injured. When choosing a pet insurance company, make sure to compare premiums, deductibles, and coverage options to find the best policy for your needs. We hope this helps you sleep easier at night, and that your pet isn’t hogging the covers.
Featured Image Credit: Robert Kneschke, Shutterstock
