Best Pet Insurance In Virginia: Companies Reviewed In Richmond, Norfolk, Virginia Beach, 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 on a Dock (Caption: Best Pet Insurance In Virginia)

Virginia’s official state dog is the American Foxhound, but many other breeds fill Old Dominion households and walk the scenic Blue Ridge Mountains and beaches. No matter your dog’s breed, you want the best for them, and that’s why you’re considering pet insurance. Your dog is lucky that you care so much about their health and wellbeing.

Purchasing a pet insurance policy for your dog can provide peace of mind when disaster strikes. All of our top-ranked pet insurance providers offer coverage in Virginia, so you have many options from which to choose.

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)10-30 Days3 Days2 Days5 Days2 Days
Vet Direct Pay Option
Policy Price (avg)LowerLowerVariableHigherLower
Plan CustomizationsMany OptionsMany OptionsRestricted OptionsMany OptionsMany Options
 Read ReviewRead ReviewRead ReviewRead ReviewRead Review
Lab smiling

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

  1. Labrador Retrievers
  2. German Shepherds
  3. Beagles

Richmond

These are the most popular dog breeds in Richmond, VA, the capital city.

  1. English Bulldog
  2. American Staffordshire Terrier
  3. American Pitbull Terrier
  4. Beagle
  5. Pembroke Welsh Corgi

How Much Does Pet Insurance Cost In Virginia?

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 unique 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 several top pet insurance providers when you fill out one quick and easy form. 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 Virginia Cities Are Most Pet Friendly?

Virginia as a state ranks eighth for its overall pet-friendliness. It also scores high for pet-friendly restaurants per 100,000 residents (4.6), and overall, 56% of residents are pet owners. Below are the rankings for the most pet-friendly cities in Virginia based on the 100 largest U.S. cities. The scores are from 1-100 with 1 being the best city and 100 the worst.

Note: Cities outside of Virginia were excluded from this table except for Washington, DC. It is included due to its proximity and close connection with Northern Virginia, but it is not technically located in Virginia.

 Most Pet-Friendly CitiesPet Budget*Pet Health & Wellness**Outdoor Pet-Friendliness***
Chesapeake48588121
Virginia Beach60505479
Norfolk92569473
Washington DC+6191419

*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, 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. 

Pet Insurance Claim: Cost And Reimbursement From A Virginia Customer

Cartoon of veterinarian petting dog next to piggy bank (Caption: Start Saving Money On Vet Bills, Compare Pet Insurance Rates In Minutes; Button Text: Get My Quotes)

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

  • Location: Oakton, VA
  • Condition: Laceration
  • Total Vet Cost: $952
  • Reimbursement: $756
  • Amount Customer Paid: $196

Should I Get Pet Insurance?

Pet insurance provides peace of mind knowing you’ll never have to choose your wallet over your dog’s health. We all understand that the health status of a loved one can change quickly, which means increased stress and worry about them. Thankfully, pet insurance takes the burden away from you financially so you can focus on your pup’s health instead of your bank account. Learn more about why pet insurance is worth considering.

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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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