Lemonade is the best pet insurance company for cats and dogs in Pennsylvania, delivering the highest-rated coverage for both types of pets. Other strong insurance options in the state include AKC, Pumpkin, Spot and Pets Best.
Best Pet Insurance in Pennsylvania
Updated: October 26, 2025
Advertising & Editorial Disclosure
Key Takeaways
Lemonade offers the best pet insurance for pets in Pennsylvania, with monthly rates starting at $10. It combines competitive pricing with excellent customer service.
In Pennsylvania, Lemonade provides the cheapest pet insurance for dogs at $54 per month, while Pumpkin has the lowest premiums for cats at $22.
Compare multiple insurance providers to find coverage that matches your pet's needs and your budget while considering both cost and quality of coverage.
Best Pet Insurance Companies in Pennsylvania
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| Lemonade | 4.50 | $54 |
| AKC | 4.35 | $67 |
| Pets Best | 4.05 | $65 |
| Rainwalk | 3.95 | $75 |
| ASPCA | 3.85 | $60 |
Lemonade
Best Overall
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate for Dogs
$54Average Monthly Rate for Cats
$26Overall Reddit Sentiment
72% positiveMaximum Annual Limit
$100,000
Best Pet Insurance by Dog Breed
Overall, AKC dominates the best pet insurance rankings for most dog breeds in Pennsylvania, while Lemonade and Pets Best are top picks for select breeds. Below, you can review which companies are best for your dog in the state.
Data filtered by:
Affenpinscher
| Pets Best | 4.35 | $29 |
| AKC | 4.3 | $57 |
| Lemonade | 4.25 | $33 |
| Rainwalk | 4.25 | $53 |
| Spot | 3.95 | $51 |
Best Pet Insurance by Cat Breed
AKC dominates the best pet insurance rankings for most cat breeds in Pennsylvania, offering superior coverage and customer experience across breeds. Below, you can review which companies are best for your cat in the state.
Data filtered by:
Abyssinian
| AKC | 4.5 | $42 |
| Rainwalk | 4.4 | $40 |
| Lemonade | 4.35 | $26 |
| Pets Best | 4.3 | $34 |
| Spot | 4.2 | $34 |
Cheapest Pet Insurance in Pennsylvania
In Pennsylvania, Lemonade offers the cheapest pet insurance for dogs at $54 per month or $645 per year. For cats, Pumpkin provides the most affordable coverage at $22 per month or $269 per year.
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| Lemonade | $54 | $645 | -29% |
| ASPCA | $60 | $722 | -20% |
| Pets Best | $65 | $785 | -13% |
| Pumpkin | $66 | $785 | -13% |
| AKC | $67 | $797 | -12% |
| Met Life | $69 | $822 | -9% |
| Hartville | $69 | $829 | -8% |
| Spot | $72 | $863 | -5% |
| Liberty Mutual | $74 | $893 | -1% |
| Figo | $75 | $896 | -1% |
| Rainwalk | $75 | $897 | -1% |
| Embrace | $99 | $1,182 | 31% |
| Nationwide | $109 | $1,311 | 45% |
| Fetch | $110 | $1,314 | 46% |
Cheapest Pennsylvania Pet Insurance by Dog Breed
In Pennsylvania, Lemonade, Pumpkin and Pets Best offer the most affordable dog insurance across multiple breeds, with rates starting at $18 monthly.
Data filtered by:
Affenpinscher
| Pets Best | $29 | $350 | -49% |
| Lemonade | $33 | $395 | -43% |
| Pumpkin | $39 | $467 | -32% |
| ASPCA | $43 | $509 | -26% |
| Hartville | $49 | $588 | -15% |
Cheapest Pennsylvania Pet Insurance by Cat Breed
In Pennsylvania, Pets Best (13 wins), Lemonade (8 wins) and Pumpkin (8 wins) provide the most affordable coverage across cat breeds. Rates start at $16 per month for standard plans.
Data filtered by:
Abyssinian
| Lemonade | $26 | $315 | -54% |
| Figo | $32 | $381 | -45% |
| Hartville | $33 | $396 | -43% |
| Pets Best | $34 | $407 | -41% |
| Spot | $34 | $407 | -41% |
How Much Is Pet Insurance in Pennsylvania?
Pennsylvania pet insurance costs average $94 monthly for dogs and $48 for cats. These rates run about 4% higher than the national average for both types of pets.
Data filtered by:
$5,000
$500
80%
| Cat | $48 | $572 | 4% |
| Dog | $94 | $1,127 | 4% |
How to Get the Best Cheap Pet Insurance in Pennsylvania
Finding the best cheap provider and coverage plan in Pennsylvania can be difficult.
- 1Evaluate Your Pet's Coverage Needs First
Consider your pet's age, breed and potential health risks before shopping for insurance. Talk with your vet about common health issues for your pet's breed to determine necessary coverage levels.
- 2Look for Available Insurance Discounts
Research offers like a multi-pet plan or annual payment discounts. Many insurers offer reduced rates for military members and spayed or neutered pets.
- 3Check Insurance Company Ratings
Check customer reviews and claim payment histories of different pet insurance providers. Focus on companies with a strong record of paying claims and providing good customer service.
- 4Get Multiple Insurance Quotes
Get quotes from at least three different pet insurers for comparable coverage levels. Compare deductibles, coverage limits and monthly premiums.
- 5Review Your Policy Annually
Set a yearly reminder to check your pet insurance rates and coverage. As pets age and rates change, switching providers could lead to savings.
Best Pet Insurance in Pennsylvania: Bottom Line
Lemonade is our top pick for pet insurance in Pennsylvania, while Pumpkin offers the most affordable coverage for cat owners. If you're insuring a dog, Lemonade offers quality coverage and competitive rates. Compare providers to find the right balance of coverage and cost for your pet's needs.
Pet Insurance in Pennsylvania: FAQ
What are the best pet insurance companies in Pennsylvania?
Pet owners in Pennsylvania can find excellent coverage through Lemonade, AKC, Pumpkin, Spot and Pets Best. These providers offer comprehensive plans for your pets.
Which company has the cheapest pet insurance in Pennsylvania?
Pumpkin and Lemonade provide the most affordable pet insurance rates in Pennsylvania. Monthly premiums start at $54 for dogs and $22 for cats.
How much is pet insurance in Pennsylvania?
Pet insurance costs in Pennsylvania average $572 annually for cats and $1,127 for dogs. Annual premiums can range from $71 to $13,908, depending on coverage options and your pet's characteristics.
What is the best way to find the right pet insurance provider?
Start by determining your pet's specific coverage needs based on age, breed and health history. Research multiple providers' reputations through customer reviews and industry ratings. Compare policy details, coverage limits and deductibles from at least three companies. Get quotes from top-rated insurers to find competitive rates that match your requirements.
How We Found the Best and Cheapest Pet Insurance in Pennsylvania
Veterinary costs in Pennsylvania continue climbing, and pet insurance helps you afford necessary care without emptying your savings. We designed this research to show you which providers offer the best combination of affordable premiums, reliable claim payments, and comprehensive coverage for Pennsylvania pet owners.
We analyzed 20 major pet insurance providers and gathered quotes using a standard profile that reflects common coverage choices and popular breeds in the state.
Our baseline pet profiles:
We collected quotes for a 6-year-old Labrador Retriever for dog coverage and a 7-year-old Ragdoll for cat coverage. Both profiles used $5,000 annual limits, 80% reimbursement, and a $500 deductible. These mid-range coverage settings balance affordability with meaningful financial protection when your pet needs surgery, diagnostic testing, or ongoing treatment.
How we scored each provider:
We evaluated companies across three weighted categories that reflect what matters most when you're choosing pet insurance:
- Affordability (50%): Quote data across coverage combinations, pet ages, and breeds, plus available discounts and how they reduce your premiums
- Customer Experience (30%): Ratings from multiple online sources, AM Best industry scores, and Reddit sentiment analysis about claim handling
- Coverage Options (20%): Policy terms, available add-ons, coverage restrictions, and how well benefits align with common veterinary expenses
Why these weights: Your monthly premium is what you'll pay for your pet's entire life, making affordability the dominant factor. But cheap coverage means nothing if the company denies legitimate claims or excludes conditions your pet actually develops, so customer experience and coverage breadth still carry substantial weight.
This scoring system prioritizes real-world value. Pennsylvania pet owners need affordable premiums from companies that pay claims fairly and cover the conditions pets commonly face, and our weighted approach reflects that priority.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Trustpilot. "Lemonade Reviews." Accessed November 7, 2025.