Pet Insurance In West Virginia

Choosing the right pet insurance company for you and your dog or other pets in WV can be a frustrating and confusing process. How much coverage will my plan provide? How fast will I be reimbursed? Are there any health issues not covered?

Here at iHeartDogs, we created an easy comparison below of all the major pet insurance brands in West Virginia and across the US. You can also use the form below to receive a no obligation quote from all the major pet insurance carriers at once, allowing you to compare pricing and coverage:

Best Pet Health Insurance For Dog in West Virginia

Let’s take a deep dive into the features and benefits of each of the major pet insurance brands here in West Virginia and across the USA. Simply scroll to the right to view all the brands:

Pets Best
Prudent Pet
Annual Coverage
Annual Coverage
$5,000 or Unlimited
Up To $100,000
$5,000 or Unlimited
$10,000 or Unlimited
$5,000 – $30,000
Multi-pet Discount?
Multi-pet Discount?
What They Do Best
What They Do Best
Best for plan customization
Great pricing for puppies & kittens
$0 copay option. No fees for paying monthly.
Best for paying claims to veterinarian direct
Short waiting periods
Best for paying claims fast
Best Trustpilot reviews
Best plan for superior benefits
Fast claims. Wellness plan available.
iHeartDogs Customer Rating ⭐⭐⭐⭐⭐
iHeartDogs Customer Rating ⭐⭐⭐⭐⭐
4.3 / 5
4.6 / 5
4.7 / 5
4.5 / 5
4.1 / 5
4.4 / 5
4.5 / 5
4.5 / 5
4.1 / 5
Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)
Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)
Example Quote for 1 Year Old 30 lb Mixed Breed
Example Quote for 1 Year Old 30 lb Mixed Breed
$35.81 per month
$20.00 per month
$30.00 per month
$68.25 per month
$69.30 per month
$26.25 per month
$73.46 per month
$42.35 per month
Reimbursement Amount
Reimbursement Amount
90%, 80%, or 70%
90%, 80%, or 70%
90%, 80%, or 70%
100%, 90%, 80%, or 70%
90%, 80%, 70%, 60%, or 50%
90%, 80%, or 70%
90%, 80%, or 70%
100% or 90%
Annual Deductible
Annual Deductible
$50, $100, $200, $250, $500, or $1,000
$100, $250, or $500
$100, $250, or $500
$0 to $1,000
$100, $250, $500, or $750
$100, $250, $500, $750, or $1,000
$100, $250, $500, or $1,000
$200, $300, $500, $750, or $1,000
$250, $500, or $1,000

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Receive a Free No-Obligation Quote from All the Pet Insurance Carriers At Once
Rather than visiting each insurance carrier’s website, you can use the form below to receive a no obligation quote from all the pet insurance carriers at once, allowing you to easily compare:

West Virginia Pet Insurance FAQs

What Pet Insurance Is Most Widely Accepted In WV?

Most reputable and well-known pet insurance companies have a presence in West Virginia as pet insurance works with the pet owners, not the veterinarian clinics or animal hospitals. Using a reimbursement method, you can use any insurance company you like, with few exceptions. As of right now, Lemonade does not offer insurance in West Virginia.

What Is Usually Not Covered By Pet Insurance In WV?

Before coverage starts or during a waiting period, pets can get sick or hurt, and the insurance company will not cover any pre-existing health issues. Insurance also does not cover plastic surgery, breeding, or preventative care. You will still have to pay for supplements, boarding, dental care (although this option is an add-on with some companies), and grooming.

Do Pet Insurance Premiums Go Up With Age In WV?

Your pet insurance premium might go up for three main reasons, including because your pet gets sick, improvements in medical technology, and when your pet ages. Age is one of the main factors that will affect your monthly pet insurance premium. As your pet gets older, health problems and expensive trips to the vet become more common. Therefore, pet insurance companies can raise your premium when your pet gets older to cover the cost of the extra care they will need.

After about four years, the premium price for your puppy or kitten may start to go up. After that, it usually keeps going up as they get older until it may become unaffordable to sustain. For example, a puppy policy’s monthly premium could start at $40 and go up to $170 by the time the dog is 12 years old. The increase depends on the insurance company, the breed, and other factors such as pre-existing conditions and so on.

Can I Get Pet Insurance After Diagnosis In WV?

Pet insurance companies do not cover pre-existing conditions. However, some insurance companies will cover diseases that can be treated. But most pet insurance companies will not cover a sick dog, and all companies will even require a physical exam and a waiting period before they will treat a sick dog. So, you should get pet insurance as soon as possible after you bring your new puppy home before it gets sick or develops a disease, so you will be covered before you need the policy.

Does Pet Insurance Cost More For Certain Breeds In WV?

An insurance company’s job is to give you reliable coverage when you need it most while keeping the company’s losses to a minimum. Because of this, premiums are based on the risk of each policy. There are a few ways in which the breed of your pet could affect the price of your premium, such as the size of the dog, breed, and if that animal is mixed or purebred.

The monthly price is only a few dollars, so it is not a huge difference. It is just enough to help the insurance company cover its costs. But their premiums for at-risk breeds go up a little bit more every year. If your dog’s breed is more likely to have an urgent or emergency condition, you can expect to pay more for coverage.

Is Pet Insurance Mandatory In WV?

The only reason pet insurance exists is to help pet owners pay their huge vet bills and make money for the insurance companies. Pet owners in West Virginia do not need pet insurance because the government is not involved, and vets do not require insurance for treatments. But it is a good investment because the cost of veterinary care goes up yearly, making it harder for the average family to afford.

How Long Does It Take For Pet Insurance To Pay Out In WV?

Processing a pet insurance claim is usually an easy process done online. Most insurance companies will pay out on a claim within 10 to 20 working days. But, to be sure, you can call your insurance company and ask how long they take to process claims.

Ensure you give the insurance company all the information and paperwork they need to process your claim quickly. Most insurance companies already have a website, so it is easy to go to their site and download a claim form. Then, simply fill out the form and ask your vet to give you the necessary medical reports and other paperwork.

What Are The Pros Of Having Pet Insurance In WV?

Pet insurance has many benefits ready to offer you comfort and reduced costs. One of the benefits of insurance that you can see immediately is that you can cut costs for vet visits. Traditional vets often charge a lot, especially if your dog already has a health problem. Having insurance will lower your costs so you can keep up with your bills.

If your dog has insurance, he or she may be able to get certain kinds of care, such as advanced therapies and additional diagnostic testing. Furthermore, no one wants to use their savings when they do not have to for an emergency. So, if you have pet insurance, you may be less likely to take money out of accounts you are saving for other emergencies or trips.

When it comes to the insurance plan itself, there are a lot of different choices. If your dog has certain needs, you can find a plan that fits your budget and gives them the care they need. Having a safety net makes a lot of worries go away. While pet insurance is not perfect, you can see there are many benefits.

How Much Is Pet Insurance A Month In WV?

The average cost of pet insurance in West Virginia can be quite different depending on things like where the policyholder lives and how much coverage they choose. The age and breed of your pet are also taken into account when figuring out their premium. Depending on what factors are taken into account, the least expensive pet insurance options could cost anywhere from $15 to $98 per month. However, on average, people will pay about $45 to $50 on average.

Can Pet Insurance Be Dropped In WV?

Yes. Your pet insurance company might cancel your policy if you do not pay your monthly premiums. Also, after a certain age, your pet may no longer be covered by some insurance policies. However, depending on the insurance company, you can cancel the policy anytime.

Coverage will last until the end of the policy term and as long as the policy is still in force. This means until the pet insurance policy ends or until you decide to cancel the policy before it does. However, depending on the type of pet insurance you have, your claim for this year may not be covered in future years.

Does Pet Insurance Start Immediately In WV?

Most pet insurance policies do not start right away and do not start working until about two weeks later. Only accidents are covered, and some policies start right away while others take longer. Insurance companies have waiting periods so that pet owners will not wait until it is too late to buy coverage for their animals.

Without waiting periods, pet owners might be tempted to wait to buy insurance for their animal until after an accident or illness has happened. Unfortunately, there are no plans for insurance coverage for pets that do not have a waiting period. Insurance is meant to protect you in case something unexpected happens but not to cover all past problems.

What Is The Best Deal On Pet Insurance In WV?

Insurance rates can vary greatly from company to company, but in West Virginia, you will find the best rates through Figo and Pet’s Best. Of course, the price depends on the options you choose and the specifics of your pet. It’s smart to check with multiple companies to find which offers the best rates and coverage for your and your pet’s needs.

Which Pet Insurance Company Does Recommend?

Our recommendation depends very much on your individual situation. You can compare quotes for your dog’s age and your location here. We can report that Trupanion, HealthyPaws, and Pets Best are very popular with iHeartDogs supporters.

What do iHeartDogs Readers Think About Pet Insurance?

Is Pet Insurance Worth It? – We asked [33] Dog Owners and Here’s What They Said

Pet insurance is “worth it” if you can afford the cost of the insurance, but could not afford an emergency vet bill. However, the best plan is to only get a pet if you can afford vet care, & to have a special savings account set aside for pet emergency care. – Louise 

Very much worth it. I have Nationwide. It used to be VPI. It doesn’t cover things in full, but it very much helps. More then paid for itself with my first two dogs. Haven’t needed it much with the two I have now but if something happens, I won’t hesitate to get the best treatment I can. It really helps. – Beth

Yes it is worth it. But you need to shop wisely for it. I have care credit that is used when needed. With no excluded treatments because it’s up to me! Great rates and options to pay back. Saved my bank account a number of times. – Jennifer

Always worth it with my previous pet dog, Louie (French bulldog) and current pet dog, Lucy (dachshund).
It’s more than paid for itself each time. Unless you can cough up $10,000 for an emergency surgery I suggest you get pet insurance. Healthy Paws I highly recommend!!! – Leo

My vet one time said…my a “Dogs are Expensive” account. Whatever the going rate for pet insurance is…say $100…put that monthly in the “D A E” account. If you are ahead at the end of the year roll that money over….then, if you do need a big sum you have it, and if you don’t the $ is in your pocket and not the insurance company’s… whatever you decide..good luck! – Peggy

With my last dog no. I paid 17 years and never made a claim. With the two I have now definitely. My JR managed to get a dog toy piece stuck in her intestine – hugh, expensive op so worth it. I don’t like the fact that even though my dogs are both young, the premium has gone way up however. 3&2 are not senior dogs. – Kit

Before just checking quotes check with your vet or ones in your area. The one problem with many pet insurances it actually may affect the cost a vet or clinic may charge for a service based on what they may have to pay or what they need to do get paid. For example a base xray charge may be $100 if you pay yourself but say you use insurance A that may cost the clinic so much a year to be a member or requires so much documentation or takes so long for payment may increase the charge to $130-150 .Then if you have a deductible you will be paying more. Your vet will also know which ones are more reliable for your area and for the needs for your breed. – Candi

I would never have a pet without insurance. Way too risky for those sudden and age related injuries/health issues . Everyday check- ups and vaccines are incidental costs compared to many things that can go wrong w ur furry family member  – Holly

I’m furious that insurance companies have now made owning pets incredibly expensive. Once insurance companies enter into the equation, the price for everything goes “through the roof.” I wish these monsters would be regulated and insurance, health care was NON PROFIT!!!!!! – Rhonda

Yes Healthy Paws has been great. My Boston is on constant eye meds for about 6 years and 2 surgeries. I have 80 percent and they pay right away. – Lynda

Worth it if you plan ahead. One of my dogs I adopted and got insurance a year or so later and insurance has denied EVERYTHING…even an ear infection at 10 years old, as a preexisting condition because she had one when she was 3years old. My other dog I got insurance right away (lesson learned!) and it has been a huge benefit because ten years later he had significant medical expenses that were covered at 90% I could not be more thankful to have the insurance – Shannon

Definitely worth every penny! Our Shitz tore her ACL, swallowed my husband’s hearing aid, puts everything in her mouth!!! We have Healthy Paws. Very pleased. Just wish we went with 90% coverage instead of 80%. Get it BEFORE they have an issue!! – Jan

Nope not worth it. I love my babies but, it’s like human insurance, Hardly worth getting. More n likely whatever your pet has insurance won’t cover it so your still gonna pay out the ying yang. So here we are paying out the ying yang for insurance and still paying high dollar to a vet. – Nancy

Yes. My sweet hound developed allergies. The insurance covers are $73. Apoquel prescription plus everything else that goes wrong. She had a cough with meds the bill was over $400. Very happy we have insurance. – Pamela

Yes! For 10 years I never had to use it. Then my dog got very sick and needed to go to the animal hospital. She was diagnosed with diabetes and cushings disease and the costs for all the medications and testing she undergoes until we get her regulated is exorbitant. With the insurance I’ve been getting most of it back. – Erica

Worth it! Preventative/wellness services usually aren’t included with accident/injury plans, but most insurances offer that separately (for more money). Get coverage asap when you get a pet… preexisting conditions are almost never covered and the older a dog gets, the higher the cost gets. I had Nationwide through my previous employer. The plans were supposed to follow my pets for life, after I left the job, but (long story short) the plans were cancelled. So now I’m getting new insurance through ManyPets for a dog who was 9 when I got the Nationwide plan, but is now 13 – with preexisting conditions. For all three of my dogs, it’s about $235/month (that’s with the optional wellness plans added for each). But if anything happens to any of my “kids”, I pay a $250 annual deductible, then ManyPets covers 80% – with no lifetime limit. – Andrea

Yes. It’s worth it. You never know what might happen. I see so many go fund me’s to help animals when insurance would have covered it. Fyi, Trupanion is slightly more expensive but can pay the Vet directly if the Vet is signed up on their system. I have my 2 dogs and 2 cats covered. – Blythe

More Popular Pet Insurance Resources
Thanks for reviewing our guide to comparing pet insurance brands. Below you find some additional pet insurance resources from

Compare Pet Insurance Quotes
A Vet Explains What You Need To Know About Pet Insurance For Your Dog
If You Don’t Have This Much Money Set Aside In An Emergency Fund, You Probably Need Pet Insurance
Pet Insurance: Rip-Off Or Life-Saver?
With Pet Insurance, Your Dog Is 4x More Likely To Survive A Medical Emergency
Trupanion vs. Pets Best Pet Insurance: In-Depth Comparison

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