Best pet insurance in Virginia

Ads by Money. We may receive compensation if you click on this ad.advertisement

The best pet insurance providers in Virginia share some common traits. Most of them provide a number of diverse plan options and extensive coverage for your pet. Fast claims processing and short waiting periods are also major factors. After analyzing data obtained from reliable sources such as Pawlicy and Care Credit, we have identified the five best insurers in the area. Read on to see our top picks for the best pet insurance companies in Virginia.

Our top pick for the best pet insurance in Virginia

Ads by Money. We may receive compensation if you click on this ad.advertisementAds by Money disclaimer

Best pet insurance reviews in Virginia


  • Unlimited annual coverage for pets of any age
  • 24/7 telehealth hotline available
  • Higher premiums for younger pets
  • Transaction fees for monthly, quarterly and semi-annual payments

Spot is perfect for pet owners who want to go beyond conventional insurance limits. Its unlimited annual cover, regardless of the pet’s age, makes it an attractive option. However, its rates tend to be higher than the industry average, especially noticeable in states with higher pet insurance costs in general.

The company’s customer service has consistently received positive reviews, with praise for their responsiveness and assistance during emergencies, making it a reliable choice for pet owners in need of immediate support.

Healthy paws

  • No accident, annual or lifetime limits
  • Expedited claims processing
  • Possibility of direct payments under certain conditions
  • No accident, annual or lifetime limits
  • Expedited claims processing
  • Possibility of direct payments under certain conditions

Healthy Paws stands out by covering a variety of alternative therapies at no additional cost, including hydrotherapy, acupuncture, chiropractic, physical therapy and massage therapy. The company won praise for its easy-to-use mobile app that streamlines claims submission and offers a user-friendly policy management interface, improving the overall customer experience.

The company’s policies have no accident limits or lifetime limits, and this, coupled with fast claims processing, is very attractive to pet owners looking for comprehensive coverage. However, coverage becomes more limited as your pets get older, making it more suitable for your youngest children.

A hug

  • Access to 24/7 telemedicine pet health experts
  • High upper age limit for enrollment
  • Higher annual reimbursement limit compared to competitors with annual caps
  • Limited wellness benefits
  • Limits dental coverage to $1,000 per year

Embrace is praised for its 24/7 access to pet health experts through PawSupport, the company’s 24/7 telehealth experts. The company stands out for its transparency in policy details, often offering comprehensive explanations of coverage options, helping customers make informed decisions about their pet’s insurance needs.

While it offers flexibility in choosing vets worldwide, it’s important to note that Embrace’s wellness benefits are limited compared to other pet care providers. Additionally, dental coverage is limited to $1,000 per year.


  • Covers emergency exam fees
  • Includes holistic and alternative therapies prescribed by a veterinarian
  • Up to $1,000 covers virtual visits
  • No routine care or wellness plans
  • Mandatory medical examinations

Fetch provides unique coverage for expenses indirectly related to pet health, such as hospitalization charges for the insured pet owner. The company also covers exam fees at no extra charge and accepts pets as young as six weeks old, with no age restrictions. However, the company does not provide routine care or wellness plans.

Fetch’s commitment to customer education shines through its informative blog and insightful articles, helping pet owners better understand their pets’ health needs and insurance coverage.


  • Swift claims processing
  • Multiple discounts available
  • Contributes to charities through payments
  • Available in only 38 states
  • Policy adjustments are limited to renewal periods
  • Potential ineligibility for older pets

Lemonade’s fast claims processing, personalized coverage, and proprietary app (powered by AI technology) make it a top choice in Virginia. The company’s commitment to transparency is reflected in its easy-to-navigate website, which provides comprehensive information on coverage details and processes, ensuring clarity for prospective customers.

However, it is currently only available in 38 states, has policy adjustment restrictions, and may not cover older pets depending on the breed.

Ads by Money. We may receive compensation if you click on this ad.advertisementAds by Money disclaimer

Virginia Pet Insurance Guide

Obtaining pet insurance coverage is a critical step for dedicated pet owners investing in the well-being of their pets, especially during periods of illness or accident. Although pre-existing conditions are usually exempt, the insurance serves to alleviate unexpected expenses during health crises or accidents. It’s important to research insurers, compare quotes and tailor coverage if necessary to meet your pet’s needs.

Although rare, some employers may extend health insurance benefits to your children. When shopping for pet insurance, it’s important to keep in mind that choosing higher deductibles can lower monthly costs. Consider the scope of coverage and the specific type of your pet when evaluating insurance costs.

A guide to buying pet insurance in Virginia

Knowing how to purchase pet insurance in Virginia involves several basic steps to ensure you get the most appropriate coverage for your furry companion. To start, dig into the available pet insurance providers in the state by researching their reputation, scope of coverage, and any policies that may be specific to your area. Online resources, customer reviews, and discussions with other pet owners offer valuable information about the state’s top insurance companies.

Next, assess your pet’s needs and health history. Understanding your pet’s breed, age, pre-existing conditions and potential regional risks, such as common diseases or environmental factors in your state, can help you choose the best coverage for your dog or cat.

Once you’ve narrowed down potential insurers, request quotes and compare policies thoroughly. Thoroughly review the coverage limits, deductibles, co-payments and exclusions in each policy, not only focusing on the monthly premiums, but also considering the total value of the coverage. Some insurers offer customized plans allowing for customized coverage within your budget.

Before finalizing your decision, carefully review the policy documents and seek clarity on any ambiguous terms or conditions. Familiarize yourself with the pet consumer protection laws in your state and find out where to file complaints if needed. Explore potential discounts or special offers, especially for multiple pets or specific breeds or age groups eligible for reduced rates.

After choosing a suitable pet insurance plan, complete the enrollment process. Provide your pet’s medical history and necessary documentation. Secure policy documents and familiarize yourself with the claims process and required claims documentation. Regularly review your policy to ensure it meets the changing needs of pets and complies with any changes in Virginia regulations or proposals.

Virginia pet insurance costs

Virginia pet owners can expect to pay anywhere between $16.34 and $339.86 in monthly premiums. This price range varies widely between suppliers and is an estimate gathered from quotes from our list of verified companies.

Virginia pet care costs

The average cost of pet care in Virginia is $69.67 per vet visit, according to Care Credit. This average includes all pets and is not broken down into cats and dogs.

Virginia Pet Laws

In Virginia, dogs and cats are considered personal property and thus susceptible to theft and trespass. The rights granted to owners extend to pursuing actions against any person responsible for injuring, killing, unlawfully imprisoning or abusing these animals, treating such cases as any damage to personal property.

Owners whose dogs or cats suffer injury or death in violation of this law have the right to seek redress through appropriate legal action against the responsible party.

It is important to note that if an animal control officer or other authorized officer discovers a stolen or illegally impounded dog or cat, they have the power to impound and temporarily impound the animal until the matter is resolved in court. However, if no legal action is taken within seven days, the officer must return the animal to its rightful owner.

The law ensures that adequate legal protection exists for the recovery of wrongfully held or impounded pets in order to quickly reunite them with their rightful owners, while respecting due process within the court system.

Consumer Protection for Virginia Pet Insurance

Virginia residents do not have specific pet insurance legislation, but can file general consumer protection complaints on the attorney general’s website.

How we found the best pet insurance in Virginia

As part of our methodology, we collected sample quotes from Virginia and reviewed pet insurance plans based on the following factors:

  • Plan and coverage options
  • Price and discounts available
  • Policy benefits, exclusions and limitations
  • Waiting periods
  • Customer service options and claims processes

For the average cost of each plan, we used pet profiles by Virginia zip code, including the most popular dog and cat breeds statewide at ages that would garner the lowest insurance premiums over the pet’s lifetime. We used Pawlicy and Pet Insurer to gather quotes and compare plan options.

Ads by Money. We may receive compensation if you click on this ad.advertisementAds by Money disclaimer

Summary of Money’s best pet insurance in Virginia

Leave a Comment

Your email address will not be published. Required fields are marked *