Pet insurance eases some of the worry when your pet gets ill. It can reduce the amount you have to pay but, depending on the policy you choose and the pet insurance company you opt for, it can affect the type of treatments that are covered, how quickly you are reimbursed for the costs, and even the type of pets that can be covered. Whether you’re a Panhandle poodle owner, or a Lewisburg lizard owner, there is a pet insurance policy that’s right for you.
Below, you will find reviews and details of pet insurance providers in West Virginia to help you find the coverage you need.
A Quick Look at the Winners for 2023
Image Product Details
Spot Pet Insurance
100% reimbursement options available
Deductibles as low as $100
Alternative therapies are covered
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Trupanion Pet Insurance
Payment is made directly to the vet
$0 deductible available
Alternative treatments are covered
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Figo Pet Insurance
100% vet bill reimbursement available
No annual limits
Accepts pets of any age
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Healthy Paws Pet Insurance
Alternative therapies like acupuncture are covered
Good copay and reimbursement options available
Offer direct payments to the vets in some circumstances
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Pumpkin Pet Insurance
No upper age limit
Prescription food can be covered
Preventive Essentials add-ons options
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Our 9 Pet Insurance Reviews in West Virginia
- Spot Pet Insurance
Compare Spot Plans Spot Pet Insurance offers a wide range of benefits, although its premiums may be a little higher as a result. You can opt for a 0% copay. You can also set your deductible as low as $100, which means that you won’t be hit with any huge vet bills, even in an unexpected emergency. You can also choose annual limits between $2,500 and unlimited.
Furthermore, Spot Pet Insurance also covers alternative treatments like acupuncture and massage. There is no age limit to coverage, but their insurance can prove expensive for younger pets, so Spot may prove a better option for pet owners with older cats and dogs. Finally, the company offers multi-pet discounts and microchip implantation is included as part of the policy.
Compare Spot Plans
Spot Pet Insurance offers a wide range of benefits, although its premiums may be a little higher as a result. You can opt for a 0% copay. You can also set your deductible as low as $100, which means that you won’t be hit with any huge vet bills, even in an unexpected emergency. You can also choose annual limits between $2,500 and unlimited.
Pros
100% reimbursement options available
Deductibles as low as $100
Alternative therapies are covered
No senior age limit for your pet
Cons
Can be expensive, especially for younger pets
2. Trupanion Pet Insurance
Compare Trupanion Plans Most insurance companies reimburse the policyholder directly, which means that pet owners have to pay vet fees directly before the money is reimbursed into their bank account once a claim has been approved. While you do get your money back. Some insurance companies do offer payments directly to the vet but in limited circumstances. Trupanion Pet Insurance pays directly to the vet, which means you don’t have to meet the payment initially.
Their policies do not have any pay-out limits, either, and they do cover alternative treatments like acupuncture and even prescription food. However, there is only a single policy option. The only thing you can really change within the policy is the level of deductible, which can be set between $0 and $1,000 and is a per-condition deductible.
100% reimbursement options available
Deductibles as low as $100
Alternative therapies are covered
No senior age limit for your pet
- 100% reimbursement options available
- Deductibles as low as $100
- Alternative therapies are covered
- No senior age limit for your pet
Can be expensive, especially for younger pets
- Can be expensive, especially for younger pets
Compare Trupanion Plans
Most insurance companies reimburse the policyholder directly, which means that pet owners have to pay vet fees directly before the money is reimbursed into their bank account once a claim has been approved. While you do get your money back. Some insurance companies do offer payments directly to the vet but in limited circumstances. Trupanion Pet Insurance pays directly to the vet, which means you don’t have to meet the payment initially.
Pros
Payment is made directly to the vet
$0 deductible available
Alternative treatments are covered
No maximum payout limits
Cons
Expensive
Reimbursement level is fixed, albeit at 90%
Examination fees are not covered
- Figo Pet Insurance
Compare Figo Plans Copayment is the percentage of vet bills that pet owners have to pay, with the remainder being paid by the insurance company. Most insurance companies offer up to 90% reimbursement, which means that you still have to pay 10% of the bill. But with Figo Pet Insurance, you can opt for a copay of 0% so that they will pay all of the bill. There are no annual limits, although there is a lifetime limit of how much they will reimburse over the life of your pet. You can also opt for low deductibles.
Be aware that low deductibles, no annual limits, and 0% copays does push the price of your premium up, but it also means that you won’t have vet bills for accidents or illnesses in the future.
Payment is made directly to the vet
$0 deductible available
Alternative treatments are covered
No maximum payout limits
- Payment is made directly to the vet
- $0 deductible available
- Alternative treatments are covered
- No maximum payout limits
Expensive
Reimbursement level is fixed, albeit at 90%
Examination fees are not covered
- Expensive
- Reimbursement level is fixed, albeit at 90%
- Examination fees are not covered
Compare Figo Plans
Copayment is the percentage of vet bills that pet owners have to pay, with the remainder being paid by the insurance company. Most insurance companies offer up to 90% reimbursement, which means that you still have to pay 10% of the bill. But with Figo Pet Insurance, you can opt for a copay of 0% so that they will pay all of the bill. There are no annual limits, although there is a lifetime limit of how much they will reimburse over the life of your pet. You can also opt for low deductibles.
Payout times are also generous, with a three day wait for injuries and two weeks for illnesses, and policies are available for pets of any age: however, pets enrolled after their second birthday will not be covered for hereditary conditions.
The range of coverage options, generous lifetime limit, and the company’s free app that offers 24/7 emergency vet consultation makes Figo the best pet insurance in West Virginia in 2022.
Pros
100% vet bill reimbursement available
No annual limits
Accepts pets of any age
Useful free app that includes 24/7 emergency vet consultation
Cons
Premiums can be high with 0% copays and no annual limits
- Healthy Paws Pet Insurance
Compare Healthy Paws Plans Healthy Paws offers the best pet insurance in West Virginia for the money thanks to its single accident and illness policy available for cats and dogs. There are no lifetime or annual limits and no maximum per incident. Total reimbursement can be set to 70%, 80%, or 90%, and your level of deductibles can also be customized to $100, $200, or $500. Also, unlike most insurance companies, Healthy Paws covers holistic and alternative treatments like acupuncture and massage therapy as long as it has been prescribed by a vet and performed by a licensed practitioner.
The range of deductibles and copay limits means that you can get cheap premiums, but these really are the only options and policy alternatives offered and the policy isn’t the best choice for older pets. Claims are made through the company’s app, and you can opt for Healthy Paws to directly reimburse the vet so you don’t have to pay the initial bill.
100% vet bill reimbursement available
No annual limits
Accepts pets of any age
Useful free app that includes 24/7 emergency vet consultation
- 100% vet bill reimbursement available
- No annual limits
- Accepts pets of any age
- Useful free app that includes 24/7 emergency vet consultation
Premiums can be high with 0% copays and no annual limits
- Premiums can be high with 0% copays and no annual limits
Compare Healthy Paws Plans
Healthy Paws offers the best pet insurance in West Virginia for the money thanks to its single accident and illness policy available for cats and dogs. There are no lifetime or annual limits and no maximum per incident. Total reimbursement can be set to 70%, 80%, or 90%, and your level of deductibles can also be customized to $100, $200, or $500. Also, unlike most insurance companies, Healthy Paws covers holistic and alternative treatments like acupuncture and massage therapy as long as it has been prescribed by a vet and performed by a licensed practitioner.
Pros
Cheap
Alternative therapies like acupuncture are covered
Good copay and reimbursement options available
Offer direct payments to the vets in some circumstances
Cons
Very limited options and only one policy available
- Pumpkin Pet Insurance
Compare Pumpkin Plans Pumpkin Pet Insurance is one of the best pet insurance companies especially for puppies and kittens because they not only provide effective insurance, but they also offer preventive care add-ons. For puppies, this means that you can enjoy puppy vaccines, a fecal test to detect parasites, and a wellness exam. And you can continue with these preventative options as your pet ages, although older pets get fewer vaccinations.
The insurance policy itself is available for pets of all ages and coverage levels can be customized from $7,000 and $10,000 for cats and dogs to unlimited. Unfortunately, the level of reimbursement is set at 90% and you can’t increase or decrease this, and the options for deductibles are also somewhat limited. You can only cover cats and dogs with pumpkins, though—no exotics or other pets can be covered.
Cheap
Alternative therapies like acupuncture are covered
Good copay and reimbursement options available
Offer direct payments to the vets in some circumstances
- Cheap
- Alternative therapies like acupuncture are covered
- Good copay and reimbursement options available
- Offer direct payments to the vets in some circumstances
Very limited options and only one policy available
- Very limited options and only one policy available
Compare Pumpkin Plans
Pumpkin Pet Insurance is one of the best pet insurance companies especially for puppies and kittens because they not only provide effective insurance, but they also offer preventive care add-ons. For puppies, this means that you can enjoy puppy vaccines, a fecal test to detect parasites, and a wellness exam. And you can continue with these preventative options as your pet ages, although older pets get fewer vaccinations.
Pros
Preventive Essentials add-ons cover vaccines, fecal tests, and wellness examinations
Limits between $7,000/$10,000 and unlimited
Prescription food covered by policies
No upper age limit on policies
Cons
Reimbursement is set at 90%
Limited deductibles levels
- Nationwide Pet Insurance
Compare Nationwide Plans A lot of pet insurance companies limit the types of pets that they will cover. Some only offer policies for cats and dogs. If you own a pet bird or an exotic pet, you can still get coverage. As well as offering policies for cats and dogs, Nationwide Pet Insurance also offers policies for birds and exotics. You can even insure your pot-bellied pig.
However, while Nationwide does offer good coverage in terms of the types of pets they will insure, it is somewhat lacking in other options. Reimbursement levels between 50% and 90% are available, but there is no option for 100% reimbursement. Also, your policy will include a $250 deductible level, and this can’t be changed to either increase your coverage or reduce your premium. The company does offer wellness packages for cats and dogs, too, and if you already have another Nationwide insurance policy, you will get 5% off the cost of your pet insurance policy.
Preventive Essentials add-ons cover vaccines, fecal tests, and wellness examinations
Limits between $7,000/$10,000 and unlimited
Prescription food covered by policies
No upper age limit on policies
- Preventive Essentials add-ons cover vaccines, fecal tests, and wellness examinations
- Limits between $7,000/$10,000 and unlimited
- Prescription food covered by policies
- No upper age limit on policies
Reimbursement is set at 90%
Limited deductibles levels
- Reimbursement is set at 90%
- Limited deductibles levels
Compare Nationwide Plans
A lot of pet insurance companies limit the types of pets that they will cover. Some only offer policies for cats and dogs. If you own a pet bird or an exotic pet, you can still get coverage. As well as offering policies for cats and dogs, Nationwide Pet Insurance also offers policies for birds and exotics. You can even insure your pot-bellied pig.
Pros
Offers policies for birds and exotic pets
5% discount for existing Nationwide policy holders
Low 50% reimbursement option available
Wellness add-ons are available
Cons
Deductible level is fixed at $250
No 100% reimbursement option
- Embrace Pet Insurance
Compare Embrace Plans Older pets are more prone to illness and injuries, although that isn’t to say that a senior dog is guaranteed to get ill. Because of this, insurance companies are reluctant to offer policies to owners of old pets, and when they do, they tend to charge a premium and their policies include a number of exclusions. Being left with no insurance coverage just because your pet has reached six or ten years of age can be a major concern, but with Embrace Pet Insurance you do have options.
Embrace offers policies for pets up to 15 years old. Beyond that age, your options are limited to accident-only coverage, but that’s still better than most companies offer. Although policies do not cover pre-existing chronic conditions, they do cover pre-existing curable conditions as long as your pet has been symptom-free for 12 months. You can also select up to a $30,000 annual limit, which is more generous than most, and for every year that you have the policy and do not make a claim, the deductible value will reduce by $50 with options ranging from $200–$1,000.
Offers policies for birds and exotic pets
5% discount for existing Nationwide policy holders
Low 50% reimbursement option available
Wellness add-ons are available
- Offers policies for birds and exotic pets
- 5% discount for existing Nationwide policy holders
- Low 50% reimbursement option available
- Wellness add-ons are available
Deductible level is fixed at $250
No 100% reimbursement option
- Deductible level is fixed at $250
- No 100% reimbursement option
Compare Embrace Plans
Older pets are more prone to illness and injuries, although that isn’t to say that a senior dog is guaranteed to get ill. Because of this, insurance companies are reluctant to offer policies to owners of old pets, and when they do, they tend to charge a premium and their policies include a number of exclusions. Being left with no insurance coverage just because your pet has reached six or ten years of age can be a major concern, but with Embrace Pet Insurance you do have options.
Embrace does offer wellness add-ons, but they require monthly contributions and wellness allowances don’t roll over, which means that you could theoretically end up contributing more than you actually receive if you don’t use the benefits.
Pros
Offers standard policies for pets up to 15
Pets over 15 can get accident policies
Deductible reduced by $50 for each year with no claims
Choose up to $30,000 annual limit
Cons
Wellness add-ons are limited and need careful management
- ASPCA Pet Insurance
Compare ASPCA Plans The ASPCA is best known as the American Society for the Prevention of Cruelty to Animals, but it also offers insurance policies for cats, dogs, and horses. Horse coverage is unusual from pet insurance companies but essential for owners. The company’s rates are affordable and ASPCA pet insurance has no upper age limits and policies cover hereditary and congenital conditions for pets of all ages, as long as they were undiagnosed before the policy started.
Pre-existing, curable conditions are also covered as long as the pet is symptom free for 180 days. A lot of insurance companies don’t cover pre-existing curable conditions, and those that do set a symptom-free limit of a year, so ASPCA’s policy is beneficial for older pets and those with congenital conditions.
Offers standard policies for pets up to 15
Pets over 15 can get accident policies
Deductible reduced by $50 for each year with no claims
Choose up to $30,000 annual limit
- Offers standard policies for pets up to 15
- Pets over 15 can get accident policies
- Deductible reduced by $50 for each year with no claims
- Choose up to $30,000 annual limit
Wellness add-ons are limited and need careful management
- Wellness add-ons are limited and need careful management
Compare ASPCA Plans
The ASPCA is best known as the American Society for the Prevention of Cruelty to Animals, but it also offers insurance policies for cats, dogs, and horses. Horse coverage is unusual from pet insurance companies but essential for owners. The company’s rates are affordable and ASPCA pet insurance has no upper age limits and policies cover hereditary and congenital conditions for pets of all ages, as long as they were undiagnosed before the policy started.
There is only a 14-day waiting period after commencement of the policy, you can choose deductible levels between $100–$500 and reimbursement levels between 70%–90%, and annual limits between $3,000–$10,000. However, there is a fee if you pay for your policy monthly, and you typically have to wait 30 days before receiving reimbursement.
Pros
Pre-existing curable conditions are covered after a 180-day symptom free period
14 day waiting period for new policies
Policies available for horses, as well as cats and dogs
Covers hereditary and congenital diseases
Cons
Fee charged for monthly policy payments
30-day reimbursement period
- Geico Pet Insurance
Compare Geico Plans Some pet owners prefer basic policies with limited options. It means they have to make fewer decisions on things like coverage level and whether to include congenital conditions. However, other pet owners prefer more flexibility when buying pet insurance policies. Geico has flexible insurance plans that allow for basic to extensive coverage, although the extensive packages are expensive and the company is preferred for its more budget-friendly policies. They do offer a good selection of discounts and there are three wellness packages that can also be included.
However, there are no options for zero deductibles, 100% reimbursement, or unlimited annual limits. Also, although it is good to see wellness plans, Geico’s packages offer minimal annual savings. If you don’t take advantage of everything offered by the plan, you could end up out of pocket.
Pre-existing curable conditions are covered after a 180-day symptom free period
14 day waiting period for new policies
Policies available for horses, as well as cats and dogs
Covers hereditary and congenital diseases
- Pre-existing curable conditions are covered after a 180-day symptom free period
- 14 day waiting period for new policies
- Policies available for horses, as well as cats and dogs
- Covers hereditary and congenital diseases
Fee charged for monthly policy payments
30-day reimbursement period
- Fee charged for monthly policy payments
- 30-day reimbursement period
Compare Geico Plans
Some pet owners prefer basic policies with limited options. It means they have to make fewer decisions on things like coverage level and whether to include congenital conditions. However, other pet owners prefer more flexibility when buying pet insurance policies. Geico has flexible insurance plans that allow for basic to extensive coverage, although the extensive packages are expensive and the company is preferred for its more budget-friendly policies. They do offer a good selection of discounts and there are three wellness packages that can also be included.
Pros
Especially good for lower premium policies
Wellness plans are offered
Various discounts can bring costs down
Reasonable flexibility on coverage levels
Cons
No unlimited annual limits, 0 deductibles, or 100% reimbursement options
Wellness plans offer limited value
Buyer’s Guide: Choosing the Right Pet Insurance Provider in West Virginia
What to Look for in Pet Insurance
There are a lot of factors to consider when choosing pet insurance, from the inclusion or availability of wellness packages, to annual and lifetime maximum limits. When evaluating the pet insurance companies above, we looked at the following factors.
Especially good for lower premium policies
Wellness plans are offered
Various discounts can bring costs down
Reasonable flexibility on coverage levels
- Especially good for lower premium policies
- Wellness plans are offered
- Various discounts can bring costs down
- Reasonable flexibility on coverage levels
No unlimited annual limits, 0 deductibles, or 100% reimbursement options
Wellness plans offer limited value
- No unlimited annual limits, 0 deductibles, or 100% reimbursement options
- Wellness plans offer limited value
Policy Coverage
Generally, pet insurance covers accidents and illnesses, but you do need to ensure this is the case. Some companies offer these policies separately and some will only offer accident policies for pets over a certain age.
Look at what is covered as part of the standard policy. Are examination fees included in a policy? Can you use prescribed alternative treatments like massage? Will the cost of prescription foods be covered?
Most policies do not cover pre-existing conditions, and if they do, they will only cover those conditions once your pet is symptom free for a certain amount of time. Some companies will cover these conditions if your pet is symptom free for one year, a few will cover conditions after 180 days or approximately six months.
Some policies may also include wellness coverage, although in most cases you do have to opt to include this at extra cost. Wellness policies and conditions cover the cost of preventative treatments and may include an annual check-up and vaccinations.
You may also find additional elements included in some policies. For example, microchipping is included with some puppy and kitten policies. Microchipping benefits you and the insurance company because, if your pet goes missing, there is a greater chance of them being returned to you sooner if they have a traceable chip.
Customer Service & Reputation
Customer service can be difficult to judge without first-hand experience, but online review sites can be used to highlight the positive and negative experiences of other customers.
You should also consider whether the company offers the type of contact you prefer. Some operate phone lines, others have an app with chat features, but not all provide 24/7 communication, which means if you have an emergency outside the hours they operate, you might struggle to get answers to your questions.
Claim Repayment
The majority of policies reimburse the policy holder, who has to pay the bill themselves initially. This does take time with standard waiting times ranging from two days to two weeks. There are outliers, including companies with a month-long waiting list and a very limited number that can assess a claim within a matter of minutes.
Alternatively, some policies will pay the vet directly, which means that the policy holder doesn’t have to pay a cent out of their own pocket and the vet invoices the insurer, who pays them.
Price Of Policy
Policy price is obviously important. One of the reasons that we use pet insurance is to help avoid unforeseen and potentially massive vet fees. However, simply comparing the premium of one policy to another isn’t a fair comparison because policies differ greatly. Different annual limits or deductibles can have a huge impact on the price of a policy, for example, and those policies that include wellness coverage or that have unlimited limits will typically attract higher prices but may still offer better value for money.
You can look for ways to legitimately reduce the amount you pay, including through multi-pet discounts or annual payment discounts.
Plan Customization
No two pets are the same, and, similarly, no two pet owners’ circumstances are the same. As such, there is no single policy that suits all potential policy holders and having the capability to customize a plan to exactly suit your needs means that you can get what you want without having to pay for features that you don’t require.
Most policies offer some degree of customization, usually via increased or decreased limits, but true customization comes from being able to include or exclude conditions such as congenital illness coverage.
What Is the Average Cost of Pet Insurance Per Month?
There are a lot of factors that determine how much you will pay for pet insurance, with probably the biggest determining factor being the type of pet you have. Dogs cost more to insure than cats because they tend to rack up bigger vet bills over their life. Other factors include age, breed, and the level of coverage you want. Generally, though, you can expect to pay between $30–$50 per month for a single pet and for a policy with reasonable coverage levels.
What if My Insurance Company Is Not Listed in Your Reviews?
There are many companies that offer pet insurance, as well as a lot that act as intermediaries and offer insurance provided by third parties. Above, we have listed ten pet insurance companies in West Virginia, but because every pet and every pet owner has different requirements, there will be some highly respected companies that haven’t made the list. Just because your pet insurance company isn’t listed doesn’t mean that they don’t offer good value and a desirable product.
Can You Go to Any Vet With Pet Insurance?
You do need to check your specific policy or double-check with your insurer, but because pet insurance typically reimburses the costs of veterinary visits to you, it means that you are usually able to visit any licensed and recognized veterinary practice. There may be exceptions if you use a company that directly pays the vet themselves.
Can I Get Pet Insurance and Use It Straight Away?
No, not usually. There is a waiting period between 7 days a month where any claims will be rejected, but once this period has lapsed you should be able to claim for previously undiagnosed and unreported illnesses. If you get free pet insurance through a shelter or another third party, there may be exceptions to this rule.
Which Pet Insurance Provider Is Best for You?
No two pets are the same, and different pet owners have different requirements and different personal circumstances. As such, it is impossible to give one policy or company that will prove best for everybody. Consider whether you are looking for the cheapest, bare-bones style policy or a comprehensive insurance product that will cover all eventualities and eliminate all financial implications associated with vet visits or accidents involving your pet. If you have more than one pet, choosing a company that offers multi-pet discounts can be beneficial, and if you have pets other than cats or dogs, your choices will be limited to those that specialize in the type of animal you have.
Conclusion
Pet insurance offers you peace of mind and helps ensure that you can get your pet the treatment it requires in the case of an accident or an unexpected illness. Choose the right policy to meet your requirements and those of your pet, taking into account factors such as coverage type, limits, and whether you want any wellness coverage or add-ons. Remember that just because one policy has a lower premium than another doesn’t necessarily mean that it offers better value for money.
Featured Image Credit: Bogdan Sonjachnyj, Shutterstock
