Pet insurance is an ever-growing point of protection for your pets. If you live in West Virginia, you might wonder about your options. Luckily, you have all of the same options as the other 49 states when it comes to the majority of pet or insurance companies.
Each one will differ slightly with the services they offer, add-ons they include, deductibles they require, and reimbursement payout rates. Hopefully, with this breakdown of individual reviews, you can see which one will clearly work for you, your pet, and your budget.
A Quick Look at Our Favorites in 2023
Image Product Details
Best Overall
Pumpkin
Up to 90% cashback on bills
Covers prescription diets
No declining coverage due to age
Click to Get Quote
Best Value
Fetch
Covers an extreme list of issues
Terrific, affordable prices
Easy to contact
Click to Get Quote
Figo
100% reimbursement rate
One annual deductible
24/7 vet advice line included
Click to Get Quote
Trupanion
Lock-in rates
Pays vet at the time of checkout
No penalties for older pets
Click to Get Quote
Lemonade
Completive rates
Add-on services available
Multiple discount options
Click to Get Quote
Comparing 10 Pet Insurance Plans for West Virginia
- Pumpkin Pet Insurance – Best Overall Compare Pumpkin Plans
Reimbursement Rates Up to 90%
Deductibles $100-$500
The Basics
Pumpkin Pet Insurance is our favorite overall—it has so many fantastic perks and upsides that we don’t think you can beat it. This insurance will definitely fit most pet needs, but it might not always be the best choice for specific policy requests.
Coverage
Pumpkin has a comprehensive coverage list with tailorable plans to meet your pet’s needs. They even offer preventative coverage as an add-on option, which is a desirable feature for frequent vet visits.
Eyes, ear, and throat infections
Digestive issues
Cancer
Parasites
Infectious disease
Orthopedic injury
Swallowed objects
Diagnostic testing
Emergencies
Microchipping
Dental illness
Hereditary conditions
Behavioral issues
Exam fees
Alternative therapies
Prescription food
- Eyes, ear, and throat infections
- Digestive issues
- Cancer
- Parasites
- Infectious disease
- Orthopedic injury
- Swallowed objects
- Diagnostic testing
- Emergencies
- Microchipping
- Dental illness
- Hereditary conditions
- Behavioral issues
- Exam fees
- Alternative therapies
- Prescription food
Preexisting conditions
- Preexisting conditions
Customer Service
Pumpkin is all about adequate customer service. If you’re a shopper who prefers online information and app-related activity rather than old-fashioned phone calls, you are in luck. Pumpkin offers a comprehensive website so you can navigate your potential policy conveniently.
If you want to speak to a representative to gather more info or make any changes, that’s also possible. Go ahead and contact the company by any contact option on the website.
Pricing
Pumpkin has very excellent prices in comparison to competitors. They have high reimbursement rates, too—offering up to 90% back on vet bills. You don’t have to wait very long for payout, either, which is a major perk when money is tight.
Special Perks
Pumpkin does not charge add-on fees, which can be extremely beneficial to some. Also, Pumpkin does not decline coverage with age. So, if you have an older pup that could use the extra coverage for vet costs, Pumpkin might be your best bet!
Up to 90% cashback on bills
Covers prescription diets
No declining coverage due to age
- Up to 90% cashback on bills
- Covers prescription diets
- No declining coverage due to age
No special add-ons
- No special add-ons
- Fetch Pet Insurance– Best Value Compare Fetch Plans
Reimbursement Rates 70%, 80%, 90%
Deductibles $250, $300, $500
If you’re a fan of cute animals online, you’re probably already following The Dodo. The Dodo now offers Fetch Pet Insurance, directly tied to The Dodo company. Caring about domestic pets of all shapes and sizes, this insurance is dominating competitors.
Fetch is really keeping up with the times. The company offers a look at the average prices of dog and cat insurance on the homepage of the website. They offer competitive rates at or below what other companies are charging—so you get the biggest bang for your buck.
Prescription medications and supplements
Emergency vet visits
Virtual, in-home, and office visits
Hospital stays
Physical therapy
Allergies
Surgeries
X-rays and CT scans
Ultrasounds
Blood tests
Breed-specific issues
Specialists
Sick visits
Lab tests
Vomiting and diarrhea
Hereditary and congenital conditions
Swallowed objects
Every tooth covered
Gum disease
Diabetes and insulin
Cancer treatment
Acupuncture and chiropractic care
Treatment for aggression and separation anxiety
- Prescription medications and supplements
- Emergency vet visits
- Virtual, in-home, and office visits
- Hospital stays
- Physical therapy
- Allergies
- Surgeries
- X-rays and CT scans
- Ultrasounds
- Blood tests
- Breed-specific issues
- Specialists
- Sick visits
- Lab tests
- Vomiting and diarrhea
- Hereditary and congenital conditions
- Swallowed objects
- Every tooth covered
- Gum disease
- Diabetes and insulin
- Cancer treatment
- Acupuncture and chiropractic care
- Treatment for aggression and separation anxiety
Fetch offers many different avenues to get in touch with customer service. Not only can you get free quotes per the website, but you can also get in touch with them via phone with the click of a button.
Pricing
Some people might not like the fact that fetch has up to 15 days of a delay with payouts. Once you submit your claim, you should be paid via direct deposit within two weeks, which is too long for some people.
Fetch aims to offer coverage in areas where other companies fail to. However, they still do not offer coverage for preexisting conditions. This company also offers treatment for aggression and separation anxiety, which is a tremendous benefit and a big change of pace for most companies.
Covers an extreme list of issues
Terrific, affordable prices
Easy to contact
- Covers an extreme list of issues
- Terrific, affordable prices
- Easy to contact
Long reimbursements waits
- Long reimbursements waits
- Figo Pet Insurance Compare Figo Plans
Reimbursement Rates 80%-100%
Deductibles $100-$1,000
Figo is an excellent insurance company—and the only one to date that offers 100% reimbursement rates. So, as that might raise the question, does that make the monthly premiums more money? The fact of the matter is, it does, but it can be worth it for the right pet parents.
Figo offers comprehensive coverage options for policyholders. The company works to ensure your pet has what they need in a time of need—and we definitely think it’s worth looking into.
Emergencies
Hospitalization
Surgeries
Veterinary specialist appointments
Diagnostic testing
Knee conditions
Prosthetics or orthopedics
Hereditary or congenital conditions
Prescriptions
Hip dysplasia
Chronic conditions
Dental illness and injury
Imaging
Cancer treatment
Wellness coverage
Veterinary exam fees
- Emergencies
- Hospitalization
- Surgeries
- Veterinary specialist appointments
- Diagnostic testing
- Knee conditions
- Prosthetics or orthopedics
- Hereditary or congenital conditions
- Prescriptions
- Hip dysplasia
- Chronic conditions
- Dental illness and injury
- Imaging
- Cancer treatment
- Wellness coverage
- Veterinary exam fees
Preexisting conditions
Experimental procedures
Breeding, pregnancy, or whelping
Cosmetic surgery
Cloned procedures
Parasites
- Preexisting conditions
- Experimental procedures
- Breeding, pregnancy, or whelping
- Cosmetic surgery
- Cloned procedures
- Parasites
Figo ensures that they have a set of professionals on standby, waiting to help at every turn. So whether you want a quote, have a question, or need to make changes to your policy—they have you covered. Also, there is a 24/7 vet chat line to answer any medical questions.
Figo is a little higher priced compared to other insurance companies. The reason for this is that they offer a 100% reimbursement rate. Because they offer more cash back, it makes sense that the monthly premium is a little higher.
Figo offers one annual deductible to help save money throughout the year. That means once you meet your deductible, all is covered by insurance.
100% reimbursement rate
One annual deductible
24/7 vet advice line included
- 100% reimbursement rate
- One annual deductible
- 24/7 vet advice line included
Pricey
- Pricey
- Trupanion Pet Insurance Compare Trupanion Plans
Reimbursement Rates 70%-90%
Deductibles $0-$1,000
Trupanion is one of the most popular pet insurance companies today—and for a good reason. They offer fantastic coverage with your pets in mind, not punishing seniors for aging by charging outlandish premium costs. Also, they have fantastic lock-in rates for puppies and kittens!
Trupanion has comprehensive upsides when comparing them to other companies. They do not punish pets for aging, offering the same rates at the time of enrollment that extends throughout their lifetime. Also, they are the only company to pay your vet directly at the time of checkout.
Diagnostic
Surgeries
Hospitalizations
Medications
- Diagnostic
- Surgeries
- Hospitalizations
- Medications
Preexisting conditions
Wellness care
Exam fees
- Preexisting conditions
- Wellness care
- Exam fees
You can tell that Trupanion really considers your pet’s well-being. They have a professional on standby to take care of policy coverage, processing issues, technical support, and various other service arenas.
Trupanion has a plan to match virtually any budget, though they are average in terms of insurance premiums. You can choose between zero and $1,000 deductibles, and you will work closely with an agent to determine which one of these options works best for you. You can also pick your deductible, so you aren’t tied to just one.
Trupanion offers a really unique approach to locking in rates. Rather than raising your rates annually, they have a set-for-life pricing system. You benefit extra the earlier you enroll your pet.
Lock-in rates
Pays vet at the time of checkout
No penalties for older pets
- Lock-in rates
- Pays vet at the time of checkout
- No penalties for older pets
Older pet policies cost more to start
- Older pet policies cost more to start
- Lemonade Pet Insurance Compare Lemonade Plans
Reimbursement Rates 70%, 80%, 90%
Deductibles $100, $250, $500
Lemonade Pet Insurance is a big favorite because they take your finances seriously. Not only does Lemonade offer affordable policies, but they also speed up reimbursement times to ensure you’re paid accordingly.
In addition to accident and illness coverage, Lemonade offers options for preventative care. They designed wellness plans just for puppies and kittens, giving them a great start in life. That means you can save money on routine vet costs, keeping routine visits discounted, too.
Lemonade’s plans could be more flexible compared to competitors. You can request changes to your plan only once within the first 14 days of enrollment but not again until your annual review.
Diagnostics procedures
Medication
Wellness visits
Intestinal parasite testing
Heartworm testing
Blood work
Vaccinations
Flea and heartworm prevention
Medical advice chat
- Diagnostics procedures
- Medication
- Wellness visits
- Intestinal parasite testing
- Heartworm testing
- Blood work
- Vaccinations
- Flea and heartworm prevention
- Medical advice chat
Lemonade offers excellent customer service options. Someone on the team is always ready to help when you need it.
Lemonade is all about value. They have very competitive rates and offer lots of ways to tailor your policy to meet your needs by offering add-on services. You can get a policy that fits with virtually any budget, which we feel is important.
Lemonade offers a few savings options, including a 10% bundle discount, a multi-pet discount, and an annual fee discount. During the quote process, you can also see what additional discounts you qualify for based on your individual pet.
Completive rates
Add-on services available
Multiple discount options
- Completive rates
- Add-on services available
- Multiple discount options
Preexisting conditions are not covered
- Preexisting conditions are not covered
- Wagmo Pet Insurance Compare Wagmo Plans
Reimbursement Rates 70%-100%
Deductibles $250, $500, $1,000
Wagmo Pet Insurance is an up-and-coming woman-led company that prides itself on offering wellness coverage above all else. These plans make them very different from most competitors. You can count on this insurance company to stand by your pet in times of need for sure.
Wagmo offers lots of coverage options from preventative care to serious conditions. They also have an upper age limit cut-off, so any pet can enjoy insurance benefits. Here are a few issues they cover and exclude.
Virtual vet visits
Exam fees
Wellness exam fees
Diagnostic testing
Bilateral conditions
Genetic conditions
Surgery
Prescription medication
Dental illness
Routine dental care
Heartworm prevention
Vaccines
- Virtual vet visits
- Exam fees
- Wellness exam fees
- Diagnostic testing
- Bilateral conditions
- Genetic conditions
- Surgery
- Prescription medication
- Dental illness
- Routine dental care
- Heartworm prevention
- Vaccines
Holistic care
Rehabilitation
Alternative therapies
Preexisting conditions
- Holistic care
- Rehabilitation
- Alternative therapies
- Preexisting conditions
Wagmo offers decent customer service with many avenues of contact. They pride themselves on being there for their customer base, so you can contact them or request a free quote for more information.
Wagmo has average to higher prices on policies, but it makes sense, and we think you’ll agree. They also offer up to 100% reimbursement rates like Figo—so prices often reflect that. One downside is that Wagmo has a cap. You cannot have more than $100,000 in payouts over a pet’s lifetime.
If you do not file a claim within an annual time frame, a 15% discount is applied to your monthly premium thereafter.
Woman-led company
Wellness plan focus
100% reimbursement option
- Woman-led company
- Wellness plan focus
- 100% reimbursement option
Lifetime payout limit of $100,000
More things are not covered than with other companies
- Lifetime payout limit of $100,000
- More things are not covered than with other companies
- Healthy Paws Pet Insurance Compare Healthy Paws Plans
Reimbursement Rates 70%-90%
Deductibles $100, $250, $500, $750, $1,000
Healthy Paws Pet Insurance were once the innovator on the scene, bringing this idea to the forefront. It’s no wonder they are still among the leaders in the industry. Healthy Paws has many perks and features designed with your pet in mind with middle-of-the-road pricing.
Healthy Paws definitely offers a wide range of coverage categories. They have sped up their claims process, processing with speedier times of roughly 2 days. You simply submit your bill online and wait.
Accidents
Illness
Emergencies
Hereditary and congenital conditions
Cancer
Chronic conditions
Diagnostic treatments
X-rays
Blood tests
Ultrasounds
Surgery
Hospitalization
Prescriptions
Medications
Emergency care
Specialty care
Alternative treatment
- Accidents
- Illness
- Emergencies
- Hereditary and congenital conditions
- Cancer
- Chronic conditions
- Diagnostic treatments
- X-rays
- Blood tests
- Ultrasounds
- Surgery
- Hospitalization
- Prescriptions
- Medications
- Emergency care
- Specialty care
- Alternative treatment
Preexisting conditions
Exam fees
Preventative care
Dental Health
- Preexisting conditions
- Exam fees
- Preventative care
- Dental Health
Healthy Paws has excellent customer service and tons of self-serve options for convenience. You can do practically anything on the website, including file claims, manage your policy, update information, and contact a rep.
As far as monthly premiums are concerned, Healthy Paws is around the average of its competitors. Actual policy costs will vary depending on your pet’s age, health state, and other specifics at the time of enrollment. Keep in mind there is an administrative fee to set up an account on the website.
Deductible amounts also change depending on the age of your pet. Older pets have higher deductible amounts, which means more than you’ll have to pay out of pocket before your coverage will kick in.
Healthy Paws has a special Refer-a-Friend program where you get $25 if a person you send their way signs up.
Tons of coverage options
Lots of self-service options
Easy claim submission
- Tons of coverage options
- Lots of self-service options
- Easy claim submission
Admin fees
Higher deductibles for older pets
- Admin fees
- Higher deductibles for older pets
- ASPCA Pet Insurance Compare ASPCA Plans
Reimbursement Rates 70%-90%
Deductibles $100-$500
The ASPCA has its core foundation in advocacy for animals. No wonder they offer insurance to ensure our pets are loved and cared for. On top of coverage for dogs and cats, the ASPCA luckily provides insurance for horses as well, making this highly attractive to some shoppers.
Coverage
We love the plans the ASPCA offers policyholders. You can select from accident-only or wellness plan coverage, depending on the care your pet needs. Wellness plans cover standard vet appointments, while accident only covers emergencies, surgeries, and illness.
The ASPCA is the only pet insurance company currently covering pet horses. So, if you own one of these majestic beauties, this is your only option!
Accidents
Emergencies
Hereditary illness
Sudden illness
Behavioral issues
- Accidents
- Emergencies
- Hereditary illness
- Sudden illness
- Behavioral issues
Preexisting conditions
Cosmetic procedures
Breeding costs
- Preexisting conditions
- Cosmetic procedures
- Breeding costs
The ASPCA offers a handy vet on staff to answer any pet-related questions—advising you to take your animal to a local vet if needed. The company also offers many avenues of contact on the primary website for your convenience.
The total of your policy depends on the features you opt for. But the general consensus is that the ASPCA offers customers average or slightly below average-priced policies. So, most pet owners can find a plan that works for them.
The ASPCA offers a 10% discount on multi-pet enrollment. They also offer a GoFetch reimbursement plan, which allows you to split your bill into payments. For your convenience, the ASPCA also offers a MyPet insurance app to make claim submission a breeze.
Covers domestic horses
Multiple discount options
Very trusted organization
- Covers domestic horses
- Multiple discount options
- Very trusted organization
Pricey add-ons
- Pricey add-ons
- Nationwide Pet Insurance Compare Nationwide Plans
Reimbursement Rates 50%-70%
Deductibles $250
Nationwide Pet Insurance definitely deserves credit. They are an innovative company that extended coverage for exotic pets, which is a broad list. It covers virtually every common reptile, bird, or small cage pet you can think of. It’s worth looking into it if this is what you’re in the market for.
The great thing about Nationwide coverage is that it’s a one-stop-shop for many policyholders. You can simply add pet coverage in addition to your existing plans. Some might already count on this company for other coverage areas, like life or car insurance.
Get your quote for a direct list of coverage.
Taxes
Waste
Grooming
Boarding
Preexisting conditions
- Taxes
- Waste
- Grooming
- Boarding
- Preexisting conditions
Nationwide prides itself on offering outstanding customer service for its customers. You can contact the company to activate or change your policy at any time. Also, it’s effortless to get a free quote on the website with the click of a mouse.
Nationwide can be slightly pricey in terms of other competing companies. However, they are a trusted insurance company, and many people could benefit from bundling with them, adding in their other forms of insurance. You can receive quite a few discounts this way.
After your policy has been activated for ten days, you have a 100% money-back guarantee.
Exotic pet coverage
Fast, easy quotes
Can bundle other insurance coverage
- Exotic pet coverage
- Fast, easy quotes
- Can bundle other insurance coverage
Lack of website info
- Lack of website info
10. AKC Pet Insurance
Compare AKC Plans
Reimbursement Rates 70%-90%
Deductibles $100-$1,000
Are you strictly a dog owner with a registered pooch? Then you might benefit most from this pet insurance. The AKC offers insurance exclusively for dogs and has many benefits for licensed breeders, covering costs some other companies do not.
The AKC offers comprehensive coverage that other companies do not concerning breeding and birthing processes. They also offer extremely good benefits for people with purebred dogs registered with the AKC.
Injuries
Allergies
Broken bones
Cancer
Emergency care
Hospitalization
Lab tests
Physical therapy
Surgery
Tooth extraction
- Injuries
- Allergies
- Broken bones
- Cancer
- Emergency care
- Hospitalization
- Lab tests
- Physical therapy
- Surgery
- Tooth extraction
Cats and other pets
Preexisting conditions
- Cats and other pets
- Preexisting conditions
The AKC definitely takes customer service seriously. They want each and every crew member taken care of, which is why a representative is on standby to help you along.
The AKC offers excellent insurance that really works well for breeders and people with purebred dogs, but it is rather pricey. If you require dog-specific insurance, then this company will work wonders for you. You know what they say: You get what you pay for.
However, if you have a pet you do not plan to breed, you will likely find less expensive options elsewhere.
Unlike any other insurance company, the AKC offers coverage for breeding services. They support breeding programs, pregnant dames, and any medical work needed during the birthing process.
Covers breeding
A great option for purebred dogs
- Covers breeding
- A great option for purebred dogs
Expensive
For dogs only
- Expensive
- For dogs only
Buyer’s Guide: Comparing Pet Insurance Providers in West Virginia
What to Look for in Pet Insurance (for Cats, Older Dogs, Etc.)
While each insurance company has perks and downfalls, only you can decide what to pick. Here are some aspects of pet insurance we found most important, so remember to look at these areas before committing.
Policy Coverage
Policy coverage greatly depends on the company and the areas and issues they are willing to pay for. Some might offer terrific prices but not the right coverage—and vice versa. Each company will have a list of things they reimburse for, so it’s worth extensively comparing companies.
Many sites offer a policy coverage comparison on their website to see how they match up to their competitors. Once you get an essential list of a few companies, it’s easier to identify which one meets your needs, what additional questions you need to ask, and which insurance plan is ultimately best.
Customer Service & Reputation
When it comes to trusting a company to help with areas of both health and finance, it’s a big deal. So, having a trusted team of professionals on standby is essential when choosing the company.
Looking at customer satisfaction from real-life people who hold policies with said companies is essential. See a pattern in compliments or complaints and choose the insurance you think will take care of you best.
Claim Repayment
You’re likely opting for pet insurance to reduce your output for unexpected vet bills among other perks. If you want quick cash back, you need to know how quickly to expect your reimbursement.
Companies have different claim reimbursement rates and payout times. Usually, these facts are listed on the website. For others, you just have to contact the company for specific details.
Price of Policy
It’s important to get a plan within your means. Any policy you get will need to fit in a monthly budget plan. Many insurance companies will consider any diagnosis during preexisting conditions coverage if you allow your policy to lapse or cancel and reactivate.
So, anytime you select a company, you’ll want to fit the policy cost in with a long-term vision.
Plan Customization
Everyone loves to tailor services to match their needs. Most insurance companies are flexible, and coverage options keep growing as popularity rises. Tailoring a plan to meet your needs allows you to keep your pet safe no matter how sudden problems arise.
Can I Get Pet Insurance Outside the U.S.?
If you travel outside of the United States, you can check with your insurance company to see if they cover out-of-country vets. Every company will be different. While it likely isn’t going to work in most places, as they will have their own companies, it’s worth checking if you frequently travel with your pet.
What If My Insurance Company Is Not Listed In Your Reviews?
If the insurance company you currently have in West Virginia isn’t on our list, that is okay. If you’re getting the coverage you want and don’t see another company that would work better for you—we say stick with what works.
As companies continue to expand, more will rise to the occasion. You simply have to do a little research to figure out which one works for you.
Which Pet Insurance Provider Has the Best Consumer Reviews?
It seems like people have good things to say about nearly every insurance company. But we don’t find there are more compliments for anything else like there is for Pumpkin.
What Is the Best And Most Affordable Pet Insurance?
The best and most affordable are different depending on your pet. For example, if you have an exotic pet or a horse, you might benefit from one of the only pet insurance companies that offer services for these animals.
However, if you have a domestic dog or cat, you can look for specifics you think you will use most in an insurance company to make your final choice. The best insurance company will be different for each situation.
What the Users Say
Most folks would agree that they get a real sense of peace knowing their domestic pets are covered in times of need. While things like monthly premiums and upfront bill costs are areas of concern, most agree that it’s worth it.
Which Pet Insurance Provider Is Best for You?
Only you can decide which insurance company works best for your pets. Certain attractive features will make one shine over another for you. If you’re looking for savings, check out Fetch.
If you’re looking to lock in a rate that will last until your little one is in their golden years, you might do best with Trupanion or even Lemonade.
Conclusion
Pumpkin Pet Insurance is our number one recommendation for pet owners living in West Virginia. Pumpkin offers excellent coverage options at really affordable prices, and you can tailor the policy to match your needs. It would work best for the widest variety of pet owners.
However, if you’re looking to save the most money, Fetch would work best for you. You can save a lot of money and only get the necessary coverage. Also, they are highly competitive with other insurance companies, constantly improving the services they offer.
Figo might be expensive, but it’s really worth it for some people. With their 100% reimbursement rate and vanishing deductible, it is a really attractive company for many reasons, making folks willing to pay the monthly premium.
Hopefully, our reviews gave you a good breakdown on each insurance company so you can find the one that best matches your needs. You could also go to each website directly to receive a free quote.
Featured Image Credit: Kaganovich Lena, Shutterstock
