Pennsylvania Pet Insurance (2026)
Average pet insurance rates, top-rated insurers, and state-specific pet health risks in Pennsylvania. Rates shown for a mixed-breed pet, age 3, with accident and illness coverage.
Dog Monthly
$57
Mixed breed, 3yo
Cat Monthly
$36
Mixed breed, 3yo
Dog Annual
$684
Per year
State Rank
#17
1 = most expensive
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Top Pet Insurers for Pennsylvania
1
Get QuoteTrupanion
Unlimited coverage, direct vet payment
Dog/mo
$65
Cat/mo
$42
Annual Limit
Unlimited
Reimbursement
90%
2
Get QuoteNationwide Pet Insurance
Wellness add-on available
Dog/mo
$55
Cat/mo
$35
Annual Limit
$10,000
Reimbursement
70%–90%
3
Get QuoteHealthy Paws
Unlimited annual limit + fast claims
Dog/mo
$50
Cat/mo
$32
Annual Limit
Unlimited
Reimbursement
70%–90%
4
Get QuoteASPCA Pet Insurance
Comprehensive coverage
Dog/mo
$48
Cat/mo
$30
Annual Limit
$10,000
Reimbursement
70%–90%
5
Get QuoteLemonade Pet
Low-cost option, AI claims
Dog/mo
$35
Cat/mo
$22
Annual Limit
$100,000
Reimbursement
70%–80%
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What to Know Before Buying in Pennsylvania
- •Tick-borne disease coverage is essential in Pennsylvania
- •Penn Vet is world-class specialist access for PA pet owners
- •Comprehensive Lyme disease treatment coverage should be confirmed
Pennsylvania Pet Health Facts
Pennsylvania has one of the highest Lyme disease rates in the US.
Pennsylvania's wooded landscape means tick exposure is extremely high.
Excellent specialist vet access via University of Pennsylvania School of Veterinary Medicine.
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