Pet insurance can help offset the costs associated with your pet’s veterinary care. This is incredibly helpful during emergencies or unforeseen events that can cost thousands of dollars. Picking a pet insurance provider is not easy. To help you choose the right pet insurance in Delaware, we gathered the top companies and listed them in this article.
Here, you can browse reviews and see what each company has to offer. Your decision is a personal one based on your pet’s needs. While everyone will have different requirements for their pet’s coverage, this list is sure to give you a few good options. Read on to learn more about pet insurance in the First State.
A Quick Look at the Winners for 2023
Image Product Details
Best Overall
Spot Pet Insurance
Excellent customization
Offers partial coverage for dental cleanings
Includes accident-only coverage
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Trupanion Pet Insurance
No limits on payouts
Additional coverage options
Per-condition deductibles
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Wagmo Pet Insurance
Provides excellent wellness coverage x
Provides excellent wellness coverage High reimbursement rates
Wellness plans can be purchased without insurance
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Pumpkin Pet Insurance
Offers an additional wellness package
High reimbursement percentage
Vast comprehensive plan
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Nationwide Pet Insurance
Covers exotic pets
Covers previously cured conditions that reoccur
Includes a wellness-only option
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Our 10 Pet Insurance Reviews in Delaware
- Spot Pet Insurance — Best Overall
Compare Spot Pet Insurance PlansSpot Pet Insurance has a flexible range of customizable policies. You can choose from five deductible amounts and six annual coverage limits. With these options, pet owners can choose their ideal coverage while still managing their premium costs.
Spot’s comprehensive coverage is also above average. It includes things like microchipping and alternative therapies. These things are usually either excluded from pet insurance policies completely or only available with additional riders that make your policy more expensive. For these reasons, Spot is the best overall pet insurance in Delaware.
Compare Spot Pet Insurance Plans
Spot Pet Insurance has a flexible range of customizable policies. You can choose from five deductible amounts and six annual coverage limits. With these options, pet owners can choose their ideal coverage while still managing their premium costs.
Pet parents can choose from an Accident-Only Plan, an Accident-and-Illness Plan, a Gold Preventative Plan, and a Platinum Preventative Plan. Under the Platinum plan, which is also the most expensive, you receive $150 per year for dental cleanings. This can help pet owners take better care of their pets’ dental health.
Spot doesn’t have customer service available on the weekends, which can be difficult if an emergency happens during that time. There is also a 14-day waiting period for accidents, which is long compared to some other companies.
Pros
Excellent customization
Offers partial coverage for dental cleanings
Includes accident-only coverage
Cons
No customer service on weekends
Long waiting period for accidents
- Trupanion Pet Insurance
Compare Trupanion Pet Insurance PlansTrupanion Pet Insurance has one single accident-and-illness plan for dogs and cats, with no limits on payouts. There is no accident-only coverage and no wellness option. What the company does offer is per-condition deductibles, which can save you money over time if your pet has a chronic illness.
Additional coverage options include a Recovery and Complementary Care rider and a Pet Owner Assistance Package. The Recovery and Complementary Care rider covers things like rehab, acupuncture, and chiropractic care. The Pet Owner Assistance Package will cover your pet’s boarding fees if you’re sick and hospitalized. It will also cover cremation and burial services for your pet.
Excellent customization
Offers partial coverage for dental cleanings
Includes accident-only coverage
- Excellent customization
- Offers partial coverage for dental cleanings
- Includes accident-only coverage
No customer service on weekends
Long waiting period for accidents
- No customer service on weekends
- Long waiting period for accidents
Compare Trupanion Pet Insurance Plans
Trupanion Pet Insurance has one single accident-and-illness plan for dogs and cats, with no limits on payouts. There is no accident-only coverage and no wellness option. What the company does offer is per-condition deductibles, which can save you money over time if your pet has a chronic illness.
Trupanion offers a 90% reimbursement rate. Like Healthy Paws, pets can only be enrolled until they turn 14 years old. There is no minimum age limit, so you can enroll pets as soon as you get them.
Pros
No limits on payouts
Additional coverage options
Per-condition deductibles
Cons
Age limit for pet enrollment
No accident-only or wellness option
- Wagmo Pet Insurance
Compare Wagmo Pet Insurance PlansWagmo Pet Insurance mostly provides wellness coverage, and these plans are sold separately. There are also standalone preventative care options that you can purchase. While many insurance companies do not offer wellness plans alone, Wagmo offers them without the requirements of purchasing an accident-and-illness plan too.
Wagmo is woman founded and led. The ideal goal of the company is to provide wellness and preventative coverage to dogs and cats. It’s new to the scene, having been founded in 2018.
No limits on payouts
Additional coverage options
Per-condition deductibles
- No limits on payouts
- Additional coverage options
- Per-condition deductibles
Age limit for pet enrollment
No accident-only or wellness option
- Age limit for pet enrollment
- No accident-only or wellness option
Compare Wagmo Pet Insurance Plans
Wagmo Pet Insurance mostly provides wellness coverage, and these plans are sold separately. There are also standalone preventative care options that you can purchase. While many insurance companies do not offer wellness plans alone, Wagmo offers them without the requirements of purchasing an accident-and-illness plan too.
The accident-and-illness insurance plan is available and will cover things that the wellness plans don’t, like surgery, dental illnesses, and genetic conditions.
The plans have exclusions, though. None cover spaying or neutering, dental surgeries, prescription food, or alternative care.
Wagmo offers three tiers of wellness plans. The highest-priced plan covers more services. There are three deductible options of $250, $500, or $1,000. Reimbursement rates are 90% or 100%, which are on the higher end of the companies on this list. The lower the deductible and the higher the reimbursement rate, the more your monthly premiums will be raised. But you should be able to find the right plan for your budget with Wagmo’s offerings.
Pros
Provides excellent wellness coverage
High reimbursement rates
Wellness plans can be purchased without insurance
Cons
Excludes spaying and neutering
Excludes dental surgeries
- Pumpkin Pet Insurance
Compare Pumpkin Pet Insurance PlansPumpkin pet insurance has one pet health insurance plan that offers comprehensive coverage for things like surgeries, lab tests, dental care, prescriptions, and exam fees for accidents and illnesses. If you’d like to add on a wellness package, a preventative essentials pack is offered. This will include coverage for things like vaccines, fecal exams, and other annual blood tests.
Pumpkin is the best value pet insurance in Delaware. There is one reimbursement percentage of 90%, no matter your pet’s age. There are three deductible amounts and three coverage caps to choose from so you can select the plan that fits your budget.
Provides excellent wellness coverage
High reimbursement rates
Wellness plans can be purchased without insurance
- Provides excellent wellness coverage
- High reimbursement rates
- Wellness plans can be purchased without insurance
Excludes spaying and neutering
Excludes dental surgeries
- Excludes spaying and neutering
- Excludes dental surgeries
Compare Pumpkin Pet Insurance Plans
Pumpkin pet insurance has one pet health insurance plan that offers comprehensive coverage for things like surgeries, lab tests, dental care, prescriptions, and exam fees for accidents and illnesses. If you’d like to add on a wellness package, a preventative essentials pack is offered. This will include coverage for things like vaccines, fecal exams, and other annual blood tests.
Like Spot, Pumpkin doesn’t provide customer service on the weekends, and there’s currently no mobile app to use instead.
A notable thing about Pumpkin is that while the company does not provide coverage for pre-existing conditions, it will cover conditions that have already been cured. As long as the pet has remained symptom free for at least 180 days, if the issue reoccurs, you can receive reimbursement for its treatment.
Pros
Offers an additional wellness package
High reimbursement percentage
Vast comprehensive plan
Covers previously treated recurring conditions
Cons
No mobile app
No customer service on weekends
- Nationwide Pet Insurance — Best for Unique Pets
Compare Nationwide Pet Insurance PlansNationwide Pet Insurance is the best option for unique pets because it includes coverage for exotic animals. The Avian & Exotic Pet Plan applies to birds, reptiles, hedgehogs, and even goats. This is the only insurance that includes animals other than dogs, cats, and horses.
You can choose from Whole Pet, Major Medical, Basic Wellness, and Avian & Exotic Pets plans to get the right coverage for your pet. The wellness plan includes coverage for vaccinations and other routine veterinary care. There aren’t any other add-ons to these plans. Like Pumpkin, if your pet has been cured of a condition for 180 days, they can be covered if it reoccurs after that time.
Offers an additional wellness package
High reimbursement percentage
Vast comprehensive plan
Covers previously treated recurring conditions
- Offers an additional wellness package
- High reimbursement percentage
- Vast comprehensive plan
- Covers previously treated recurring conditions
No mobile app
No customer service on weekends
- No mobile app
- No customer service on weekends
Compare Nationwide Pet Insurance Plans
Nationwide Pet Insurance is the best option for unique pets because it includes coverage for exotic animals. The Avian & Exotic Pet Plan applies to birds, reptiles, hedgehogs, and even goats. This is the only insurance that includes animals other than dogs, cats, and horses.
One downside is that Nationwide has a pet age limit of 10 years for enrollment eligibility. Your pet won’t be excluded if they age past 10 years while enrolled, but they won’t be eligible for enrollment if they are currently over 10 years old.
Nationwide has higher premium prices than some other plans on this list. The benefit limits depend on your selected plan.
Pros
Covers exotic pets
Covers previously cured conditions that reoccur
Includes a wellness-only option
Cons
Age limit of 10 years for enrollment
High premiums
- ASPCA Pet Insurance — Best for Horses
Compare ASPCA Pet Insurance PlansASPCA Pet Insurance provides coverage for dogs, cats, and horses, making it unique among other companies. Plans include complete coverage or accident-only options, so you can choose the one that fits your budget. These plans can be customized with options for wellness plans for routine vet visits.
There is a preventative care option with annual limits that reset at the start of each policy year. You can choose the Basic or Prime Preventative Care plan, which reimburses you a predetermined amount of money instead of a percentage of the bill for things associated with routine care. However, microchipping is covered under the complete coverage plan so you won’t need a preventative care plan for that. The plans also cover alternative treatments and behavioral health.
Covers exotic pets
Covers previously cured conditions that reoccur
Includes a wellness-only option
- Covers exotic pets
- Covers previously cured conditions that reoccur
- Includes a wellness-only option
Age limit of 10 years for enrollment
High premiums
- Age limit of 10 years for enrollment
- High premiums
Compare ASPCA Pet Insurance Plans
ASPCA Pet Insurance provides coverage for dogs, cats, and horses, making it unique among other companies. Plans include complete coverage or accident-only options, so you can choose the one that fits your budget. These plans can be customized with options for wellness plans for routine vet visits.
Multi-pet owners can take advantage of discounts for enrolling more than one pet. Claims can be filed with a customer service rep or through an app on your phone or tablet. Claims take around 30 days for processing, which is higher than some other companies on this list.
Pros
Offers coverage for horses
Includes an accident-Only plan
Good preventative care options
Mobile app available
Cons
Long claims-processing time
- Figo Pet Insurance — Best Extra Care Options
Compare Figo Pet Insurance PlansFigo Pet Insurance was founded in Chicago and partners with Costco. If you’re a Costco member, you may be able to receive a discount on your policy. Figo offers broad coverage for a variety of conditions, including orthopedic conditions and hip dysplasia. There is no age limit for pets, and certain reimbursement options reach 100%.
There is one accident-and-illness plan offered, but you can opt to add a wellness plan for routine vet care. There’s no accident-only option, which could make the policy cheaper.
Offers coverage for horses
Includes an accident-Only plan
Good preventative care options
Mobile app available
- Offers coverage for horses
- Includes an accident-Only plan
- Good preventative care options
- Mobile app available
Long claims-processing time
- Long claims-processing time
Compare Figo Pet Insurance Plans
Figo Pet Insurance was founded in Chicago and partners with Costco. If you’re a Costco member, you may be able to receive a discount on your policy. Figo offers broad coverage for a variety of conditions, including orthopedic conditions and hip dysplasia. There is no age limit for pets, and certain reimbursement options reach 100%.
There is also an extra care pack available that covers things like lost pet advertising, cremation, burial, and boarding fees. You can even have vacation cancellation coverage in case your trip is canceled due to an emergency with your pet.
Figo does not cover pre-existing conditions, breeding costs, pregnancy, cosmetic surgery, or parasite treatment. Pets can be covered starting at 8 weeks old. However, there is a 6-month orthopedic waiting period for dogs.
Pros
Wide coverage
Discount for Costco members
100% reimbursement option
Extensive extra care pack
Cons
Does not cover parasite treatment
No accident-only plan
- Embrace Pet Insurance
Compare Embrace Pet Insurance PlansEmbrace Pet Insurance offers accident-and-illness policies with reimbursement percentage options of 70%, 80%, or 90%. There is an accident-only policy with a reimbursement percentage of 90%. There is no age restriction for enrollment, but pets over 15 years old are only eligible for accident coverage.
Embrace has one of the shortest waiting periods for accidents at 48 hours. There is a 14-day waiting period for illnesses, which is standard. Pets can be covered as young as 6 weeks old. A wellness plan is offered in addition to the basic plan for routine vet care.
Wide coverage
Discount for Costco members
100% reimbursement option
Extensive extra care pack
- Wide coverage
- Discount for Costco members
- 100% reimbursement option
- Extensive extra care pack
Does not cover parasite treatment
No accident-only plan
- Does not cover parasite treatment
- No accident-only plan
Compare Embrace Pet Insurance Plans
Embrace Pet Insurance offers accident-and-illness policies with reimbursement percentage options of 70%, 80%, or 90%. There is an accident-only policy with a reimbursement percentage of 90%. There is no age restriction for enrollment, but pets over 15 years old are only eligible for accident coverage.
One unique feature of Embrace is a shrinking deductible. For every year that you don’t file a claim, your deductible is reduced by $50 until it reaches $0. This will reset once a claim is filed. The Embrace mobile app offers a 24/7 pet helpline for access to any questions that you have about your pet’s health.
Policies from Embrace are more expensive than some others, but there are flexible deductible options, so you can choose the one that best matches your budget.
Pros
Customizable for different budgets
Shrinking deductible feature
48-hour accident waiting period
No age restrictions
Cons
Expensive
- Healthy Paws Pet Insurance
Compare Healthy Paws Pet Insurance PlansHealthy Paws Pet Insurance offers one plan for accidents and illnesses. There is no annual or lifetime limit on payouts. This requires less decision-making on your part because everything is laid out for you. However, the company does have more exclusions than some others do.
There is no accident-only or wellness coverage with Healthy Paws. If your policy begins after your pet is 6 years old, hip dysplasia is not covered. The policy also won’t cover dental cleanings or extractions due to dental disease.
Customizable for different budgets
Shrinking deductible feature
48-hour accident waiting period
No age restrictions
- Customizable for different budgets
- Shrinking deductible feature
- 48-hour accident waiting period
- No age restrictions
Expensive
- Expensive
Compare Healthy Paws Pet Insurance Plans
Healthy Paws Pet Insurance offers one plan for accidents and illnesses. There is no annual or lifetime limit on payouts. This requires less decision-making on your part because everything is laid out for you. However, the company does have more exclusions than some others do.
Healthy Paws is a good option if you want to be sure your pet is covered in case of an emergency. There are reimbursement options of 70% and 80%, but these can be higher or lower depending on your geographic location.
Healthy Paws also has an age restriction. Your pet can only be enrolled until they turn 14 years old.
Pros
Good option for emergency coverage
Provides one simple plan
No limits on payouts
Cons
Many exclusions
14-year age restriction
No accident or wellness coverage
- Hartville Pet Insurance
Compare Hartville Pet Insurance PlansHartville Pet Insurance offers an accident-only policy and an accident-and-illness policy. There are two optional preventative care packages that you can add on: basic and prime. The prime plan includes spaying and neutering coverage.
Dental cleaning and care are not included in the accident-and-illness policy, but you can get them covered with the basic preventative care add-on. The accident-and-illness plan covers prescription food, which is not part of many other comprehensive plans from other companies. It also includes end-of-life expenses, another thing that other companies normally don’t automatically include without an additional purchase.
Good option for emergency coverage
Provides one simple plan
No limits on payouts
- Good option for emergency coverage
- Provides one simple plan
- No limits on payouts
Many exclusions
14-year age restriction
No accident or wellness coverage
- Many exclusions
- 14-year age restriction
- No accident or wellness coverage
Compare Hartville Pet Insurance Plans
Hartville Pet Insurance offers an accident-only policy and an accident-and-illness policy. There are two optional preventative care packages that you can add on: basic and prime. The prime plan includes spaying and neutering coverage.
There are three deductible options and three reimbursement amounts to choose from, so you can customize the plan that fits your budget. There is no age limit for enrollment.
Multi-pet owners will receive a 10% discount for each additional pet that’s enrolled.
Pros
Includes an accident-only policy
Offers preventative care coverage
No age limits
Discount for multiple pets
Cons
Dental cleanings aren’t included in the comprehensive plan
Buyer’s Guide: Choosing the Right Pet Insurance Provider in Delaware
What to Look For in Pet Insurance in Delaware
These pet insurance companies in Delaware made this list because of the following factors. We considered the companies’ coverage, reputation, price, and policy options. When deciding on which pet insurance is best for you, these are the things to consider to ensure that you get the coverage that your pet needs.
Includes an accident-only policy
Offers preventative care coverage
No age limits
Discount for multiple pets
- Includes an accident-only policy
- Offers preventative care coverage
- No age limits
- Discount for multiple pets
Dental cleanings aren’t included in the comprehensive plan
- Dental cleanings aren’t included in the comprehensive plan
Policy Coverage
Policy coverage will vary, and it’s important to carefully read what each company offers so you’re not left with any surprises when you file a claim. The policy coverage is what your plan covers and can include illnesses, accidents, and routine care.
The plans on this list have options for customization or include everything in one comprehensive plan. Comprehensive plans are usually more expensive, but they can be worth it if you must often file claims.
Some companies offer one basic plan and have available riders that you can add on for things that you choose, like routine vet visits and vaccinations.
Customer Service & Reputation
The customer service and reputation of your pet insurance company are important because they determine how satisfied most current customers are. If your company has a reputation for paying claims quickly or having compassionate customer service, that’s a good sign. From asking questions to filing claims, the right customer service can make a huge difference during a claims process.
This is especially true because many people contact their pet insurance company during stressful and emotional times. If a pet is severely sick or injured and hospitalized, you may have questions regarding your policy and their care. A compassionate and sympathetic person on the other end of the phone call can help you get through this time instead of making it worse.
Claim Repayment
Claim repayment refers to the money that you get from filing a claim. This is done through a reimbursement, where you will submit your paid vet bill to the insurance company. Depending on the reimbursement percentage established when you enrolled, you will get that percentage of your bill back in the form of a direct deposit or a check. Reimbursement percentages can differ. Depending on the one that you choose, it may affect the price of your policy. Typically, the higher the reimbursement percentage, the higher the premium cost. Some companies only offer one reimbursement percentage, which takes most of the guesswork out of things.
The reimbursement processes of these chosen pet insurance companies in Delaware are all smooth, so you will get your money back easily and quickly.
Price of Policy
The price of your policy may be affected by certain factors. Some companies offer discounts if you enroll multiple pets or bundle your insurance policies. While many policyholders pay monthly for their insurance, you may also get a discount if you pay for the entire year at once.
The coverage that you choose affects the price of the policy, as do your pet’s age and health status. The right coverage for you will be one that you can easily afford and that offers many of the benefits that you think that you’ll need. If you just want coverage for accidents and emergencies, this can be much cheaper than insurance that covers routine veterinary care and wellness.
Plan Customization
By customizing your plan, you get to control what coverage your pet has. You can choose which illnesses and treatments are covered. This requires more work and research, though. Most of the companies on this list offer customization, and some offer just one comprehensive plan that includes everything, with options for additional riders. Your plan should be something that you are comfortable with and that brings you peace of mind.
A comprehensive plan may cost more money, but it saves you the time in picking and choosing what you think that you might need. Customizing your plan may offer you more peace of mind, but it can get expensive to add everything to your policy. There are pros and cons with each option, but the bottom line is that you have to consider what your pet needs and what you can afford.
Does My Pet Need Pet Insurance?
No, you can have a pet and not have pet insurance. It’s not a requirement. If you don’t have pet insurance, it just means your veterinary expenses will have to be paid in full by you. Vets won’t refuse to see pets if they don’t have pet insurance.
The need for pet insurance is based on your circumstances, so the decision to get it is a personal one. Many pet owners purchase pet insurance in case of accidents and emergencies that cost thousands of dollars to treat. It’s a good investment considering that emergency veterinary care is so expensive. However, if you can easily afford these bills should they occur, another monthly bill might not make sense for you.
Are There Disadvantages to Pet Insurance?
Pet insurance is beneficial, but it’s not without its drawbacks. The insurance won’t cover everything that your pet may need. You only get reimbursed a certain percentage of your bill, and you might not use all the benefits offered in your plan. You also may not file claims often, but you still have to pay the premiums.
Even with pet insurance, vet bills must typically be covered in full by you before you file a claim and get reimbursed. This means you’re responsible for the entire cost at the time of the services. There are a few pet insurance companies that can pay your vet directly. That said, pet insurance doesn’t work the same way that health insurance does for people. Your vet won’t be the one billing the insurance company. You’ll have to file a claim each time you need to use the insurance.
Pre-existing conditions are almost never covered by pet insurance. These include any condition that your pet had prior to the purchase of the policy. Plans are also more expensive the older the dog is. If you adopt an elderly pet and they have a host of conditions, pet insurance may not be easily affordable each month.
Does My Vet Take Pet Insurance?
One good thing about pet insurance is that you don’t have to make sure your vet takes it before you buy it. You can get any plan that works for you. Pet insurance works with any licensed veterinary practice, so you can choose any one that you like. Unlike health insurance for people, you don’t have to remain in a certain network or see a certain doctor.
When Should I Get Pet Insurance?
The best time to buy pet insurance is when your pet is young and healthy. The younger the pet, the cheaper the premiums. Also, young pets may not have chronic health conditions yet, which means the insurance will cover any that appear over time.
Older pets with health problems may cost more to insure, but some pet owners find it worthwhile just to have accident or illness coverage for emergencies. These can be cheaper than comprehensive coverage and may save your pocketbook from taking a huge hit if your pet is accidentally injured.
Will My Pet’s Policy Be Canceled as They Age?
Some pet insurance policies do go up as your pet gets older, but once they are insured, they are insured for their lifetime. Certain pet insurance companies have age limits, meaning that pets over a certain age do not qualify for new insurance policies.
What the Users Say
Pet insurance policyholders are generally happy with their plans. Some people have regretted not getting it sooner. When a traumatic event occurs, like a dog getting hit by a car, the treatment and surgeries that follow can cost over five figures. Pet insurance enables pet owners to make decisions based on their pet’s health and wellbeing rather than focusing on the financial aspect of things. In some cases, it removes the life-or-death decision because pet owners know that they will be reimbursed for the majority of their expenses. Pet owners like the peace of mind that comes with knowing that their pet is covered should the unthinkable happen.
Other pet owners don’t like the idea of another monthly bill to pay. In this case, they are either able to pay out of pocket for their pet’s expenses or they save money on their own for these events. Savings accounts just for pets are not uncommon. Instead of paying an insurance premium, they set aside a certain amount of money each month for the pet emergency account. That way, the money is there if they ever need it.
Which Pet Insurance Provider in Delaware Is Best for You?
The pet insurance provider that is best for you is the one that you’re happy with. There are several factors to consider before you make your final choice. Unfortunately, there’s no one perfect policy for everyone, so research has to be involved.
The type of pet that you have matters too. Most companies insure cats and dogs, but if you’re looking for coverage for exotic pets, your options are limited. Nationwide is a great option for unique and exotic pets like sugar gliders, potbellied pigs, and many types of birds.
You are sure to find the right plan for your pet’s needs according to the coverage, price, and options that you want. Even if you’re just looking for coverage for unforeseen illnesses and accidents, you can find a plan from this list that will work for you.
Conclusion
Choosing pet insurance in Delaware can be time consuming and difficult. We hope that this list has helped you decide which companies you’d like to look into and what will be best for your pet. We like Spot the best for pet insurance in Delaware, but another company on this list may work better to fit your needs. No matter which company you choose, you’re bound to find the right coverage to keep your pet healthy and safe.
Featured Image Credit: Africa Studio, Shutterstock
