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5 Best West Virginia Pet Insurance for Dogs & Cats (2022 Reviews)

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Conscientious pet owners understand that accidents and emergencies can happen at any time in their cats’ and dogs’ lives and therefore seek pet insurance for extra protection. Urgent veterinary services can be expensive, but pet insurance provides essential financial support that helps to offset the costs. To help simplify your search, we are pleased to share the 5 best West Virginia pet insurance companies.

Shetland Sheep Dog watching over rolling green meadow, West Virginia
Shetland Sheep Dog watching over rolling green meadows of West Virginia :)

5 Top Dog & Cat Insurance Companies Compared for West Virginia

  • 1. Wagmo

    (Best for wellness)

    Why it’s great: Wagmo is best known for their lightning-fast reimbursements via direct deposit, PayPal or Venmo. They will also reimburse up to 100% of veterinary fees after you meet your deductible for the year. Discounts are available to those who insure multiple pets or have renewals without claim reimbursements from the previous year. Pet parents will also be pleased to know they can take their best pals to any veterinarian of their choice.

    Keep in mind: Lifetime benefits are limited to $100,000, after which your pet will no longer be eligible for coverage.

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

    Average price for DOGS in West Virginia: $37.93/month 

    Average price for CATS in West Virginia: $23.14/month

  • 2. Figo

    (Best for cats)

    Why it’s great: While Figo insures most pets, they offer some of the best rates for cats out there. All pet owners get access to live 24/7 veterinary support via the mobile app should their cat or dog gets sick outside of standard veterinary business hours. Furthermore, all standard policies come with unlimited lifetime benefits. Figo also features a selection of wellness plans to suit various needs and preferences, including one that pays for up to $250 of prescription food should your vet prescribe it for your pet.

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

    Good for: Cat parents and any pet owners who want 24/7 televet services included with their plan. 

    Average price for DOGS in West Virginia: $28.55/month 

    Average price for CATS in West Virginia: $14.41/month

  • 3. Pawp

    (Best for pre-existing conditions)

    Why it’s great: Unlike traditional pet insurance plans, Pawp offers an emergency fund that protects up to 6 pets within a household, regardless of their age, breed or medical history. In addition, pet parents will have access to unlimited 24/7 veterinary consultations, along with the opportunity to confer with pet experts should non-veterinary issues arise. Better yet, Pawp does not require copays, deductibles or credit checks, and pet owners will be relieved to know their bills will be paid in full before leaving the vet’s clinic.

    Keep in mind: The emergency fund only covers true emergencies as determined by their virtual team of veterinarians. Moreover, it will only cover a single vet bill for less than $3,000 for only one of your pets each year.

    Good for: Senior pets or pets with pre-existing conditions. This makes a good supplement for a traditional pet insurance plan.  

    Price: $24/month 

  • 4. Embrace

    (Best established brand)

    Why it’s great: Embrace gives unlimited lifetime benefits with all of their plans and discounts for those who insure multiple pets. However, one of the best perks of their coverage is their diminishing deductible. With a diminishing deductible, a pet owner’s deductible automatically drops by $50 upon renewal if they did not have claim reimbursements in the year prior. A popular offering by Embrace is their wellness plan that extends coverage to alternative veterinary treatments such as reiki, acupuncture, chiropractic and massage therapy.

    Keep in mind: The wellness plan has a maximum combined claims total of $650. Also, any unused wellness plan funds will not be refunded at the end of each year.

    Good for: Pet parents who want their insurance to cover alternative veterinary treatments.  

    Average price for DOGS in West Virginia: $45.18/month 

    Average price for CATS in West Virginia: $26.38/month

  • 5. Eusoh

    (Best pet healthshare community)

    Why it’s great: Eusoh is a community for health-sharing plans, not a pet insurance company. Their members save as much as 50% on veterinary care fees when compared with conventional pet insurance. They also benefit from being able to choose their pets’ veterinarians and having access to televet services via Eusoh’s partner, FirstVet.

    Keep in mind: Eusoh is a veterinary-centric expense-sharing community, not a pet insurance company. Their highest reimbursement rate is 80%, and the maximum payout each year is $8,500.

    Good for: Pet owners who like healthshare communities. 

    Average price for DOGS in West Virginia: $62.58/month 

    Average price for CATS in West Virginia: $40.94/month

Best Overall

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

Average price for DOGS in West Virginia: $37.93/month 

Average price for CATS in West Virginia: $23.14/month

FAQs about Pet Insurance in West Virginia

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

    This will vary to some degree from one pet insurance company to the next, but you can expect sudden and catastrophic accidents and illnesses to be covered. Such covered veterinary care includes tests, other diagnostics, emergency treatments, surgery and medication.

  • 2. How much does pet insurance cost in West Virginia?

    Pet insurance in West Virginia costs anywhere from $13.03 to $39.33 per month for dogs (based on prices for a healthy 2-year-old located in the 25305 zip code). And anywhere from $12.18 to $15.19 per month for cats (based on prices for a healthy 2-year-old located in the 25305 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?

    On the whole, most companies will let you cancel your dog or cat insurance plan at any time. Be sure to check with your provider about the appropriate steps to do so.

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

    West Virginia pet insurance companies do not cover spaying and neutering. However, Embrace has a wellness plan that extends coverage to these operations.

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

    You can expect your pet insurance rates to increase as your pet gets older. This becomes most noticeable once they reach 4 or 5 years old. Insurance companies raise rates to mitigate the elevated risk that your pet will get ill or develop a chronic health condition as they age.

  • 6. Which companies cover pre-existing conditions?

    Pawp tops our rankings when it comes to covering pre-existing conditions, particularly emergencies, and Embrace also covers a limited number of ‘curable’ pre-existing conditions.

  • 7. Is pet insurance worth it in West Virginia?

    Since emergencies inevitably occur in most cats’ and dogs’ lives, pet insurance can provide a valuable safeguard against sky-high urgent veterinary care bills. It also helps ensure your pet can access the necessary treatment and procedures whenever they may need them.

Conclusion

We hope this article gives you insight into what the right pet insurance company for your dog or cat may be. We encourage you to further explore each provider’s offerings before applying for a policy. Purchasing the best West Virginia pet insurance will help protect your best pal for many years to come by providing coverage for emergency care and supporting their overall health.

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 25305 zipcode. 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 = $8,500