Best Pet Insurance In Ohio: Companies Reviewed in Canton, Cleveland, Columbus, And More

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There are many things to love about the Buckeye State for people and pups alike, from the dog-friendly Lake Erie trails to the endless parks throughout the area. But what should you expect when you insure your dog in Ohio? What is the best way to save on vet care costs when an unexpected accident or illness occurs? Learn this, as well as the most popular breeds in Ohio and local dog-related statistics.

Article Overview

Most Popular Breeds In Ohio

One of the primary factors in the cost of a pet insurance policy is your dog’s breed. Here is a ranking of the most popular dog breeds in Ohio.1

  1. Labrador Retriever
  2. German Shepherd
  3. Golden Retriever
  4. Beagle
  5. Bulldog
  6. Siberian Husky
  7. French Bulldog
  8. Poodle
  9. Yorkshire Terrier
  10. Boxer

How Much Does Pet Insurance Cost In Ohio?

We ran example quotes for pet insurance plans in Ohio with our best-rated pet insurance providers (see below), based on some of the popular dog breeds listed above. None of the quotes we ran were for dogs with pre-existing conditions.

All quotes were generated in March 2021 and are for example purposes only. You need to run your own quote to get an estimate of how much pet insurance will cost for your pet.

CompanyBreedGenderAgeZip CodeDeductibleReimbursementPayout LimitMonthly Price
FIGO logoLabrador RetrieverMale1 Year Old44105 (Cleveland)$25080%Unlimited$46.45
Healthy Paws logoLabrador RetrieverMale1 Year Old44105 (Cleveland)$25080%Unlimited$45.39
Pets Best logoLabrador RetrieverMale1 Year Old44105 (Cleveland)$25080%Unlimited$40.59
FIGO logoGolden RetrieverFemale3 Months Old45204 (Cincinnati)$25080%Unlimited$57.70
Healthy Paws logoGolden RetrieverFemale3 Months Old45204 (Cincinnati)$25080%Unlimited$48.36
Pets Best logoGolden RetrieverFemale3 Months Old45204 (Cincinnati)$25080%Unlimited$41.73
FIGO logoGerman ShepherdFemale4 Years Old43210 (Columbus)$25070%Unlimited$60.39
Healthy Paws logoGerman ShepherdFemale4 Years Old43210 (Columbus)$25070%Unlimited$49.37
Pets Best logoGerman ShepherdFemale4 Years Old43210 (Columbus)$25070%Unlimited$44.61

Dog laying in the grass next to water (caption: Best Pet Insurance In Ohio)As you can see, prices vary depending on the dog’s age, location, and breed. You can also adjust the monthly premium by raising or lowering the deductible or reimbursement percentage. Read our pet insurance comparison to learn more about the differences in deductibles, reimbursement levels, and payout options by company.

When comparing pet insurance, you should always consider what coverage you need in addition to the cost. Plans may have exclusions or waiting periods that could prove problematic for you. Some companies also offer wellness plans to help cover your routine, preventative care costs.

We recommend getting quotes from at least three different companies to know your range of coverage options, and prices. You can obtain free quotes from multiple top-rated insurance companies here. Always read the policy’s fine print and if you have any questions, we encourage you to call the insurance company to get clarification before committing.

Note: The monthly price will likely increase slightly each year as your dog ages and has more health concerns. Vet costs also rise over time, making pet care more expensive.

Pet-Friendly Cities In Ohio

Ohio is ranked as the 13th most pet-friendly state in the country. There are 3.6 pet shelters and 1.9 pet-friendly restaurants per every 100,000 residents, and 62% of Ohioans are pet owners.2

Below are the most pet-friendly cities in Ohio when ranked against the 100 largest U.S. cities.3 Further, Cincinnati came in first (tied) for the most vets per capita in the U.S.

Note: Our table excludes cities that fall outside of Ohio.

 Overall Ranking In Most Pet-Friendly CitiesPet Budget*Pet Health & Wellness**Outdoor Pet-Friendliness***

*Pet budget was determined by considering vet care costs, minimum pet-care provider rate per visit, and dog insurance premiums.

**Pet health and wellness was determined by considering veterinarians per capita, pet caretakers per capita, animal trainers per capita, pet businesses per capita, dog-friendly restaurants per capita, share of pet-friendly hotels, dog-friendly shops per capita, pet meetup groups per capita, doggie daycare and boarding establishments per capita, pet-friendliness of rental markets, average home square footage, share of single-family detached homes, share of homes with one or fewer occupants per room, animal shelters per capita, and strength of animal protection laws.

***Outdoor pet-friendliness was determined by considering weather, dog parks per capita, parkland as a share of the city area, walk score, dog-friendly trails per capita, and dog shows per capita. 

We also love Ohio because Embrace pet insurance is based in Cleveland, OH, and Hartville is based in Akron. There must be some serious pet-loving mojo in Ohio for several leading pet insurance companies to host their headquarters here.

Columbus is the home of a dog-friendly beer hotel called the DogHouse. If you choose to stay here, you will wake up to the aroma of fermenting hops and can kick back in your hotel room with a draft beer straight from the BrewDog tap (but no beer for your pup, of course).

Pet Insurance Story In Ohio

Yorkie sitting with ownerBelow is a real-life pet insurance story from a Healthy Paws (a top-rated pet insurance provider) customer in Ohio.

  • Dog Name: Unknown
  • Breed: Yorkshire Terrier
  • Location: Beachwood, OH
  • Illness: Vomiting
  • Total Vet Cost: $2,000
  • Reimbursement: $1,700
  • Amount Customer Paid: $300

Their customer service team is incredible, and their mobile app makes it incredibly easy to submit claims. My dog had a bout of pancreatitis earlier this year which was stressful enough, but knowing that Healthy Paws was there to help made the situation a tad less stressful.

Should I Get Pet Insurance?

A pet’s health can change in an instant. Sadly, in minutes your dog can go from jumping and kissing your face to sluggish and throwing up. That’s why many pet parents choose to get pet insurance. When emergencies arise, it’s there for you to help cover unexpected medical bills. That way, you don’t have to worry about the cost of care for your pet and can focus on providing prompt treatment and love. Learn more about why pet insurance may be worth it for your family.

What’s most important to you when considering a pet insurance policy?

Sources: [1] Penn Live, [2] Joy Organics, [3] WalletHub