Pet Insurance in West Virginia: Compare the Best Pet Insurance Companies and Most Affordable Quotes

Are you looking for pet insurance in West Virginia? MoneyGeek analyzed policy details, coverage options, and thousands of quotes to help you find the best pet insurance company in West Virginia with affordable rates.

By Mark Fitzpatrick

Updated: September 26, 2024

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The best pet insurance in West Virginia can save you money and provide peace of mind in protecting your furry friends. Pets occasionally need veterinary visits — a plan with preventative care can help you cover the costs and keep them in good health.

We have collected information from different pet insurance companies in the largest cities in West Virginia, including Charleston and Huntington. With this analysis, we have determined the average cost of pet insurance in West Virginia, along with additional benefits and perks available for your pets.

TABLE OF CONTENTS

Best Pet Insurance Companies
The Average Cost of Pet Insurance
The Cheapest Pet Insurance Quotes
What Impacts Pet Insurance Cost?
FAQ’s About Pet Insurance

The Best Pet Insurance Companies in West Virginia

MoneyGeek evaluated thousands of quotes from pet insurance companies in West Virginia, along with coverage details and policy information. We identified the best providers in the state based on their policy offerings and affordability.

The cost of pet insurance may vary based on the breed, age and medical history of the animal. Compare multiple policies and insurers to find the best policy for your needs.

Best Overall Pet Insurance for Your Pet

pros

Multi-pet discount

Wide range of deductibles

Coverage for acupuncture

All lab tests and exams coverage

cons

No coverage for pre-existing conditions

Limited coverage for preventive care

COMPANY HIGHLIGHTS

In West Virginia, MoneyGeek’s overall top pick is Pets Best. This insurer provides reasonable plans and flexible policies. You can personalize the policies for your budget and pet's needs. The average cost for insuring your pet with Pets Best is $22.14 per month in West Virginia.

Pets Best offers coverage ranging from $5,000 to unlimited coverage. Its deductible options start at $50 and increase to $1,000 annually. Pets Best provides a multiple-pet discount of 5% when you insure more than one animal.

This insurer covers almost all lab tests for your pet, including MRI, CAT and other expensive procedures. With Pets Best, you can opt for direct payment to the vet or receive reimbursements.

However, Pets Best doesn’t cover pre-existing conditions. This insurer also provides only limited coverage for preventive care.

Best Pet Insurance Company: Unlimited Coverage

pros

All policies have unlimited coverage

Covers chronic and recurring diseases

Lower price than most insurers

cons

Doesn’t cover alternative therapies

COMPANY HIGHLIGHTS

Pets Best is also our top pick for unlimited pet coverage in West Virginia. With unlimited coverage, you do not have to worry about it becoming exhausted — even when your pet needs critical care. However, the cost of unlimited coverage policies is a bit higher than average prices. It will cost you $28.01 per month, on average, for a policy with unlimited coverage.

Pets Best covers chronic illness, accidents and recurring diseases, offering you peace of mind with unlimited coverage for your pet. However, this provider doesn’t cover any pre-existing conditions and alternative therapies. So, if you are looking for policies that cover alternative therapies for your animal family member, Pets Best may not be the right choice.

Best Pet Insurance Company: Affordable Coverage

pros

Very affordable pricing for most policies

Covers a wide range of conditions

Pay for dental care and prescribed food supplements too

cons

Do not cover bilateral conditions

COMPANY HIGHLIGHTS

For the most affordable coverage for your pet in West Virginia, we have selected Pets Best again. It costs an average of $16.26 per month for a $5,000 coverage policy for one pet. The policy covers vet visits, accidents, illnesses, dental care and other critical ailments, aside from pre-existing conditions.

Pets Best has a wide range of policies and deductibles to choose from. You can customize your policy based on the age of your pet and any hereditary issues. As your animal friend ages, you can increase your coverage by paying a bit extra each month. This will ensure that your pet gets the best care when needed.

At such an affordable price, Pets Best provides a lot of coverage. It even covers vaccinations and prescribed food supplements and medicines, along with coverage for hip dysplasia and similar conditions. However, bilateral conditions are not covered in these policies.

Best Pet Insurance with Multiple Pets

pros

Multi-pet discounts

Coverage for chronic diseases

cons

No coverage for pre-existing conditions

COMPANY HIGHLIGHTS

If you have more than one pet and you want to insure them all, Pets Best offers the most affordable option in West Virginia. It provides a 5% discount for insuring more than one animal. Pets Best charges an average of $19.92 per month to cover multiple pets.

Along with coverage for all types of diseases and limited coverage for preventive care, Pets Best covers accidents, cancer treatment and other chronic conditions. However, this provider does not pay for any bilateral conditions. They reimburse up to 90% of the medical expenses incurred for any treatment of your pets.

Pets Best also provides coverage for acupuncture and recurring illness treatment for all your pets, as long as they are not pre-existing conditions.

Best Pet Insurance Company: Cats

pros

100% reimbursement policy

Unlimited coverage

Affordable

cons

No coverage for preventive care

No coverage for pre-existing conditions

COMPANY HIGHLIGHTS

Figo is MoneyGeek’s top pick for pet insurance for cats in west Virginia. Compared to dogs, cats tend to be less expensive to insure. Figo charges an average of $15.42 per month to insure your cat.

This provider offers unlimited coverage, with minimum coverage starting at $5,000. You can choose from deductible options of $100 to $750. Figo features a 100% reimbursement policy, as well. Policyholders can insure multiple pets with Figo to receive an additional discount.

Exam fees and veterinary fees are also covered by the insurer, as well as holistic and alternative treatments. Figo also covers all chronic conditions that appear after the waiting period of the insurance policy.

Figo doesn’t cover pre-existing conditions, preventive care or vaccinations. It also does not offer coverage for any bilateral conditions that may have appeared during the extended waiting period of the policy.

Ranking	Winner	Avg. Monthly Cost
Overall	Pets Best	$22
Unlimited Coverage	Pets Best	$28
Affordable Coverage	Pets Best	$16
Multiple Pets	Pets Best	$20
Cats	Figo	$15

What Is the Average Cost of Pet Insurance Cost for Dogs and Cats in West Virginia?

The cost of pet insurance in West Virginia depends on several factors, such as the coverage level, age of your pet and its breed l. For insuring your dog in West Virginia, policyholders pay $24.63 per month for a $5,000 coverage policy, $44.12 per month for coverage of $10,000 and $45.35 per month for unlimited coverage, on average.

Cat owners in West Virginia pay less for insurance in the state: $13.40 per month for $5,000 in coverage, $22.09 per month for $10,000 in coverage and $29.48 per month for unlimited coverage, on average.

Aside from basic factors like age, breed and coverage level, premiums vary based on deductibles and any other added features. Make sure to request personalized pet insurance quotes in West Virginia for a clearer sense of costs based on your pet's needs.

Pet Insurance Policy	$5k Coverage	$10k Coverage	Unlimited
Average Cost for a Dog	$25	$44	$45
Average Cost for a Cat	$13	$22	$29

HOW MUCH PET INSURANCE DO YOU NEED?

MoneyGeek recommends a $5,000 to $10,000 coverage limit for most pet insurance buyers in West Virginia, along with a reimbursement rate of 80% or more.

Compare the Cheapest Pet Insurance Quotes in West Virginia

MoneyGeek has collected information and data from different pet insurers to help pet owners in West Virginia understand typical options. These generally include:

Annual Reimbursement Limits: Ranges from $3,000 to unlimited
Deductible: $250 to $500, but some companies offer higher or lower options
Bill Reimbursement Percentage: 70% to 90%

While some pet owners in West Virginia seek less expensive policies with lower coverage amounts to keep prices down or cover their otherwise healthy pets, others prefer policies with high coverage limits to ensure maximum protection for their pets.

High coverage policies are generally more expensive and the average pet owner may not need unlimited protection, but these policies offer maximum protection for your pet. MoneyGeek generally recommends the average coverage amount below for pet insurance shoppers in West Virginia.

Maximum Policy Coverage	Winner: Cheapest Policy	Avg Cost
$5,000	Pets Best	$16
$10,000	Figo	$30
Unlimited	Pets Best	$28

If you want to pay less for your pet insurance, opt for low annual coverage with a high deductible and low reimbursement rate policies. We compare pet insurance policies in West Virginia with a $5,000 coverage limit, $500 deductible and 80% reimbursement rate in the following table.

Pet Insurance Company	Low Coverage Monthly Cost
Pets Best	$16
Figo	$20
Pet Plan	$20
Spot	$21
ASPCA	$23
Embrace	$29
GEICO	$29
24 Pet Watch	$40

Pet Insurance Company	Average Coverage Monthly Cost
Figo	$30
ASPCA	$41
GEICO	$41
Embrace	$41
Hartville	$43
Spot	$43
Pumpkin	$51
24 Pet Watch	$53
Nationwide	$53

Pet Insurance Company	Unlimited Coverage Monthly Cost
Pets Best	$28
Healthy Paws	$38
Figo	$43
Pet Plan	$45
Trupanion	$48
Spot	$70

The Best Cheap Pet Insurance by City in West Virginia

While the age and breed of your pet, along with the coverage limit, primarily influence the cost of pet insurance in West Virginia, your location can also affect prices. Medical care for pets varies with cost of living figures among cities.

Apart from the cost of living, many places may be more prone to accidents due to higher traffic density, which also increases the cost of pet insurance. Always make sure to shop around to find the cheapest rates in your city.

City	Coverage Level and Average Monthly Rate
Charleston	$5k: Pets Best, $16 Unlimited: Pets Best, $28 $10k: Figo, $30
Huntington	$5k: Pets Best, $16 Unlimited: Pets Best, $28 $10k: Figo, $30
Morgantown	$5k: Pets Best, $16 Unlimited: Pets Best, $28 $10k: Figo, $30

What Factors Impact Pet Insurance Cost in West Virginia?

Your pet insurance premium depends on multiple factors, including the age of your pet, breed of the pet, added coverage options and the place you live. Most pet insurance companies in West Virginia allow you to personalize your policy based on your pet's needs.

Annual reimbursement limit

The annual reimbursement limit refers to the amount your insurance company will pay toward your pet’s medical expenses each year. Coverage options range from as little as $3,000 up to unlimited coverage.

Deductible

Deductibles generally range from $250 to $500. If you keep your deductible low, then the premium of your insurance will increase. Similarly, the higher your deductible, the lower your monthly pet insurance cost becomes.

Bill reimbursement percentage

This refers to how much of your total bill the insurance company will reimburse for your pet's medical bills. For example, if you reach your deductible and receive a bill for $1,000 with a bill reimbursement percentage of 90%, you still have to pay $100 to the vet.

Breed

The cost of insurance for larger breeds or pets with known congenital health issues typically cost more. Usually, dogs tend to be more expensive to insure than cats.

Animal age

The older your furry friend is, the more expensive their insurance tends to be. Many pets develop health issues as they age.

Location

If you live in an area with a higher cost of living or a location with additional environmental concerns like traffic or severe weather, your costs could be higher.

Multi-pet discount

Some insurers offer discounts if you insure more than one pet.

FAQ’s About Pet Insurance in West Virginia

Is pet insurance in West Virginia worth it?

Over 70% of households in West Virginia have pets, but very few of them have adequate insurance for their pets. MoneyGeek believes pet insurance is good protection against large pet expenses for the pets we love.

For instance, if your dog gets diagnosed with cancer, it would cost an average of $4,137 for treatment. Paying to care for a broken bone for your dog can cost $2,371 or $2,257 for your cat, on average. Without insurance coverage, it can be expensive and it may also delay the treatment of your loved animal family member.

Which company has the cheapest pet insurance in West Virginia?

MoneyGeek’s overall top pick for the cheapest pet insurance in West Virginia is Pets Best, which costs an average of $16.26 per month. However, the cheapest insurance policy varies based on the city you live in, along with the breed and age of your pet and other factors.

What is the cost of pet insurance in West Virginia?

The average cost of pet insurance in West Virginia for your dog is $24.63 for $5,000 of coverage, $44.12 for coverage limit of $10,000 and $45.35 for unlimited coverage. The cost of insuring your cats is lower — the average $5,000 coverage limit costs $13.40, while it's $22.09 for $10,000 in coverage and $29.48 for unlimited coverage.

What are the best pet insurance companies in West Virginia?

While there are many pet insurers in West Virginia, MoneyGeek’s recommendations for the best pet insurance companies in West Virginia are Pets Best and Figo.

MoneyGeek's Rating Methodology for Pet Insurance

MoneyGeek believes that data helps us make better financial decisions. For pet insurance, our data team spent countless hours gathering thousands of pet insurance quotes across the 13 largest providers to ensure you find the most affordable policy to meet your pet's needs.

To determine the best pet insurance companies in West Virginia, MoneyGeek built a detailed rating system by analyzing each company’s product offerings and costs. For our rating score, we weighted affordability by coverage level at 50% of the total score and our 24 qualitative research policy option data points at 50%.

To determine our affordability scores and the cheapest pet insurance companies in West Virginia, MoneyGeek gathered quotes by company across many zip codes in West Virginia for four pet types with the following coverage levels:

Low Coverage: $5,000 coverage, $500 deductible, 80% reimbursement
Average Coverage: $10,000 coverage, $250 deductible, 80% reimbursement
High Coverage: Unlimited coverage, $250 deductible, 90% reimbursement

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About Mark Fitzpatrick

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.

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sources

Care Credit. "Average Costs: Veterinary Care." Accessed September 26, 2024.