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

This content was reviewed by our licensed insurance agent, Michelle Schenker.

To keep the lights on, we receive affiliate commissions via some of our links. Our review process.

Dog laying in the grass next to water (Caption: Best Pet Insurance In Ohio)

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.

All of our top-ranked pet insurance providers offer coverage in Ohio. Your monthly premium is based on your dog’s breed, zip code, pre-existing conditions, and more. We’ve provided some information and stats for you to consider before signing up with a company.

Pet Insurance RankingBest OverallBest ValueFastest Claim ProcessingBest Multiple Pet DiscountBest Newcomer
CompanyPets BestFigoHealthy PawsEmbraceLemonade
Policy CoverageExtensiveExtensiveMore LimitedExtensiveMore Limited
Customer Service & ReputationGoodExcellent, StableExcellent, StableExcellent, StableUncertain, New
Claim Processing (avg)7-14 Days3 Days2 Days5 Days2 Days
Vet Direct Pay Option
Policy Price (avg)LowerLowerVariableHigherAverage
Plan CustomizationsMany OptionsMany OptionsRestricted OptionsMany OptionsMany Options
 Read ReviewRead ReviewRead ReviewRead ReviewRead Review

A dog’s breed is one of the determining factors for your pet insurance policy cost. Below is a ranking of the most popular dog breeds in Ohio.

  1. Labrador Retriever
  2. German Shepherd
  3. Golden Retriever

How Much Does Pet Insurance Cost In Ohio?

Pet Insurance Quote Form Widget

Pet insurance pricing is based on your pet’s details (e.g., age, breed, location, etc.). According to NAPHIA (North American Pet Health Insurance Association), the average monthly premium for an accident and illness dog insurance policy in the U.S. in 2021 was $48.66 ($28.57 for cats).

Since prices vary based on where you live as well as your pet’s characteristics, the best way to determine how much it would cost you is to complete our quick pet insurance quote form and get estimates from top pet insurance providers. This allows you to see how companies compare price-wise. With most companies, you can also adjust your monthly premium by lowering the deductible, reimbursement percentage, and annual payout to make it better fit your budget.

Once you have your customized price quotes, you may wonder how coverage varies among the different companies. Our pet insurance comparison includes multiple comparison charts to help you see key differences between coverage, waiting periods, age limitations, and more.

Which Cities In Ohio Are Pet-Friendly?

Below are the most pet-friendly cities in Ohio based on the 100 largest U.S. cities. Note: Cities that fall outside of Ohio were excluded from this table.

 Most Pet-Friendly CitiesPet Budget*Pet Health & Wellness**Outdoor Pet-Friendliness***
Cincinnati8192038
Columbus4029554
Cleveland63247581
Toledo6669359

*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. 

Ohio Pet-Friendliness Statistics

There are some other notable statistics you might like to know regarding cities in Ohio.

  • Based on 100 of the largest U.S. cities:
    • Columbus is 3rd for having the lowest veterinary-care costs.
    • Cincinnati is tied for 1st (with 4 other cities) for having the most veterinarians per capita.
    • Cincinnati is 5th for having the most pet businesses per capita.

Ohio is the 13th most dog-friendly state to live in and 62% of Ohioans are pet owners. The state also ranks high for the number of pet shelters per 100,000 residents (3.6).

Pet Insurance Claim: Cost & Reimbursement From Ohioan

Working lab in field

Below is a real-life pet insurance claim from a Healthy Paws customer in Ohio.

  • Location: Beachwood, OH
  • Condition: Vomiting
  • Total Vet Cost: $2,000
  • Reimbursement: $1,700
  • Amount Customer Paid: $300

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.

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Disclaimer: Information regarding insurance company offerings, pricing, availability, and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.

The information provided through this website should not be used to diagnose or treat a health problem or disease; it is not intended to offer any legal opinion or advice or a substitute for professional safety advice or professional care. Please consult your health care provider, attorney, or product manual for professional advice. Products and services reviewed are provided by third parties; we are not responsible in any way for them, nor do we guarantee their functionality, utility, safety, or reliability. Our content is for educational purposes only.

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