Best Pet Insurance Ohio

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Best Pet Insurance Ohio

Provider	Monthly Cost	Annual Coverage Limits	Reimbursement Rates	Deductibles	Waiting Periods
Fetch	$49.12	$5,000	90%	$500	15 days for accidents and illnesses
Figo	$36.24	$5,000	90%	$500	1 day for accidents; 14 days for illnesses
Embrace	$52.00	$5,000	90%	$500	2 days for accidents; 14 days for illnesses
Lemonade	$26.31	$20,000	90%	$500	2 days for accidents; 14 days for illnesses
ASPCA	$44.84	$5,000	90%	$500	14 days for accidents and illnesses

1. Fetch
Fetch is a top choice for Ohio pet owners who value flexibility, allowing access to any licensed vet in the U.S. or Canada. It’s especially convenient for those in smaller cities like Dayton and Akron.

Features:
- Annual Coverage Limits: $5,000
- Reimbursement Rates: 90%
- Deductibles: $500
- Waiting Periods: 15 days for accidents and illnesses

Pros:
- Alternative therapies covered
- No upper age limit
- Quick claims processing

Cons:
- No preventive care coverage

Learn more about Fetch

2. Figo
Figo stands out for its 100% reimbursement option and an easy-to-use mobile app, which is ideal for pet owners in bustling cities like Columbus and Cleveland.

Features:
- Annual Coverage Limits: $5,000
- Reimbursement Rates: 90%
- Deductibles: $500
- Waiting Periods: 1 day for accidents; 14 days for illnesses

Pros:
- No upper age limit
- Short accident waiting period
- Tech-friendly app for claims

Cons:
- Pre-existing conditions not covered

Learn more about Figo

3. Embrace
Based in Ohio, Embrace is a local favorite for its diminishing deductible feature and wellness add-ons, providing excellent value for pet owners in Cincinnati and Toledo.

Features:
- Annual Coverage Limits: $5,000
- Reimbursement Rates: 90%
- Deductibles: $500
- Waiting Periods: 2 days for accidents; 14 days for illnesses

Pros:
- Wellness coverage for routine care
- Discounts for military families
- Covers alternative therapies

Cons:
- Limited coverage for senior pets

Learn more about Embrace

4. Lemonade
Lemonade’s AI-driven claims processing makes it a favorite for Ohioans who value quick and easy policy management, particularly in tech hubs like Columbus.

Features:
- Annual Coverage Limits: $20,000
- Reimbursement Rates: 90%
- Deductibles: $500
- Waiting Periods: 2 days for accidents; 14 days for illnesses

Pros:
- Affordable monthly premiums
- Bundling discounts with home insurance
- Fast claims processing

Cons:
- Limited alternative therapy coverage

Learn more about Lemonade

5. ASPCA
ASPCA’s plan offers excellent behavioral and alternative therapy coverage, making it a trusted choice for Ohio families in suburbs like Westerville and Fairlawn.

Features:
- Annual Coverage Limits: $5,000
- Reimbursement Rates: 90%
- Deductibles: $500
- Waiting Periods: 14 days for accidents and illnesses

Pros:
- Multi-pet discounts
- No upper age limit for enrollment
- Behavioral therapies included

Cons:
- Lower annual coverage limits

Learn more about ASPCA