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5 Best Delaware Pet Insurance Plans for Dogs & Cats (2022 Reviews)

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For pet owners, their beloved dogs and cats are important members of the family, and if you’re here reading about pet insurance, then you no doubt feel the same. They fill our days with joy, fun and affection. However, there will most likely come a time in your little pal’s life when an emergency strikes, and they will need urgent veterinary care. Such incidents can be costly and stressful, but they don’t have to be. Pet insurance is here to provide financial support during those emotionally challenging times.

The good news is that we’re here to share the 5 best pet insurance companies for Delaware residents from Dover to Wilmington to Newark so you can decide the best option for your dog or cat.

Forest walk with dog
Nothing more relaxing than a forest walk with your furry friend :)

5 Top Dog & Cat Insurance Companies Compared for Delaware

  • 1. Wagmo

    (Best for wellness)

    Why it’s great: Delaware pet parents will love Wagmo because they reimburse up to 100% of vet fees for the rest of the year once you meet your deductible. Also, they have a wide range of wellness plan add-ons, and lightning-fast reimbursement via direct deposit, PayPal or Venmo. Their multiple pet discounts and discounts for renewals without claims in the previous year are a bonus perk. Even better, you are free to take your pet to any veterinarian you wish.

    Keep in mind: Wagmo’s lifetime payout limit is $100,000. Should you reach this threshold, coverage will cease.

    Good for: Pet parents who want a combination of wellness and emergency care coverage. 

    Average price for DOGS in Delaware: $42.77/ month 

    Average price for CATS in Delaware: $25.98/month 

  • 2. Figo

    (Best for cats)

    Why it’s great: While Figo insures both dogs and cats, their premiums for cats are some of best on the market. Figo knows that emergencies happen at any time of day, which is why they provide their customers with live, 24/7 veterinary support through their mobile app. They also have several wellness package add-ons, including an option that covers as much as $250 of prescription food should your pet’s health and recovery require it. And to make certain that pets get the care they need, Figo offers unlimited lifetime benefits.

    Keep in mind: Coverage does not extend to pre-existing conditions.

    Good for: Cat parents and pet owners who value having 24/7 telehealth services covered. 

    Average price for DOGS in Delaware: $36.55/ month 

    Average price for CATS in Delaware: $18.44/month 

  • 3. Pawp

    (Best for pre-existing conditions)

    Why it’s great: Irrespective of age, breed or pre-existing conditions, Pawp will protect up to 6 of your pets under an emergency fund for a flat fee of $24 per month. In addition, pet parents will have unlimited 24/7 access to telehealth services with licensed veterinarians and consultations with pet experts. What pet parents will appreciate most about Pawp’s emergency fund is that there are no copays, deductibles, or credit checks. Better yet, you are free to take your pet to the vet of your choice, and you will leave the veterinary clinic with your bill fully paid, saving you the trouble of going through the claim-filing process.

    Keep in mind: Pawp only covers claims which their virtual vets deem to be emergencies. Moreover, the emergency fund only covers one of your pets for a single vet bill up to $3,000 per year.

    Good for: Senior pets and those with pre-existing conditions. A good supplement for a typical pet insurance policy.

    Price: $24/ month 

  • 4. Embrace

    (Best established brand)

    Why it’s great: Embrace has no maximum lifetime payout limits, which means your cat or dog will be eligible for coverage well into their life. Along with multiple pet discounts, Embrace proudly offers diminishing deductibles. This means your annual deductible drops by $50 after each year you do not have any claim reimbursements. And their optional routine care plan covers spaying and neutering. The standout feature of their wellness plan is that it covers alternative veterinary treatments, including acupuncture, massage therapy, chiropractic and reiki.

    Keep in mind: Only pets up to the age of 14 are eligible for coverage. Also, the maximum combined claims total for the wellness plan is $650/year, equaling approximately $25 in annual savings. Lastly, there are no refunds on wellness plans on any unused funds within the year.

    Good for: Pet parents interested in new age veterinary treatments.  

    Average price for DOGS in Delaware: $51.77/ month 

    Average price for CATS in Delaware: $30.23/month 

  • 5. Eusoh

    (Best pet health sharing community)

    Why it’s great: Eusoh is not a pet insurance company. Alternatively, they offer community health sharing plans that allow members to save up to 50% on vet bills. Members are reimbursed for preventive and emergency care expenses. What’s more, their partner FirstVet provides televet services to all members. And pet parents will be happy to know that they are able to choose their pets’ veterinarians.

    Keep in mind: Eusoh requires that each member be voted in by existing members of the expense-sharing community, so older dogs or cats with pre-existing conditions may be denied coverage. Their maximum annual reimbursement is $8,500, and their top reimbursement rate is 80%.

    Good for: Peer-to-peer community coverage.  

    Average price for DOGS in Delaware: $62.58/month 

    Average price for CATS in Delaware: $40.94/month

Best Overall

Wagmo is our overall top recommendation. It’s the most comprehensive pet insurance provider in Delaware and they also offer the best value.

Average price for DOGS in Delaware: $42.77/ month 

Average price for CATS in Delaware: $25.98/month 

FAQs about Pet Insurance in Delaware

  • 1. What does pet insurance typically cover for dogs and cats?

    While coverage differs between providers, you can expect coverage to extend to any injuries and illnesses that can be considered sudden and catastrophic. Your policy will offer more specifics, but this typically includes exams, medications, tests, other diagnostic procedures, emergency care and surgery.

  • 2. How much does pet insurance cost in Delaware?

    Pet insurance in Delaware costs anywhere from $16.68 to $50.38 per month for dogs (based on prices for a healthy 2-year-old located in the 19711 zip code). And anywhere from $15.61 to $19.46 per month for cats (based on prices for a healthy 2-year-old located in the 19711 zip code). Prices can vary greatly depending on your zip code, the breed of your pet, its age, and medical history.

    We recommend getting a quote from Wagmo who we’ve seen consistently offer the lowest prices and best coverage out of any other provider.

  • 3. Can I cancel my dog or cat insurance plan after I make a claim?

    Regardless of the insurance company, you can usually cancel your policy at any time. However, you will need to notify your provider in writing. It’s best to read each company’s policy details to determine their specific cancellation process. Keep in mind that any illnesses diagnosed before canceling may be deemed pre-existing conditions should you ever wish to reinstate your policy at a future date.

  • 4. Do Delaware pet insurance companies cover spaying and neutering?

    In general, pet insurance in Delaware does not cover the costs of getting your dog or cat spayed or neutered. However, some insurance companies offer wellness packages you can add to your policy to cover these procedures, such as Embrace .

  • 5. Does the cost of insurance increase as my pet ages?

    Monthly premiums usually increase as your pet ages, particularly once they reach 4 or 5 years old. This is due to the increased likelihood of your pet getting sick as they age and the dog or cat insurance provider has to offset the elevated risk.

  • 6. Which companies cover pre-existing conditions?

    Pawp is best overall for covering pre-existing conditions, especially in emergencies. Embrace also may extend coverage to curable pre-existing conditions, but it is best to check with them upfront when applying for insurance. That said, be aware that most pet insurance companies will not cover pre-existing conditions at all. The upshot is that pre-existing conditions will not prevent you from being able to get a policy for your beloved dog or cat.

  • 7. Is pet insurance worth it in Delaware?

    There comes a time in most pets’ lives when they have an accident or experience the sudden onset of an illness. Pet insurance is a great way to be able to afford such emergencies. Therapies for diseases such as cancer can cost north of $10,000, and hip replacement surgery runs as high as $7,000. Pet insurance is there to alleviate the financial stress, so you can focus your energy on helping your little furry friend get well.

Conclusion

We hope this article has made the process of selecting the right pet insurance company a bit less of a headache. We suggest you take the necessary time to review the companies you’re interested in, along with their specific offerings, before applying for a policy for your dog or cat. Buying the right Delaware pet insurance policy will give your lil’ buddy the coverage they need for emergencies and preventative care, keeping them healthy for many years to come.

In our experience, after careful review, we’ve consistently seen Wagmo has the best combination of coverage and price.

Note: Our prices listed above are accurate in January 2022 and may change at any time. Please get a quote for your pet on one of the recommended websites for the most accurate monthly costs. These prices are based on a Labrador Retriever dog and American Shorthair cat located in the 19711 zip code. We chose a $500 deductible and 90% reimbursement amount for each policy we reviewed (except for Pawp). The annual benefit amount we selected for each provider is as follows:

  • Wagmo = $20,000
  • Figo = $5,000
  • Pawp = $3,000
  • Embrace = $5,000
  • Eusoh = $8500