Get the Best Pet Insurance in Delaware in 2025

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Are you a pet parent in Delaware searching for the right insurance to protect your furry friend? With so many options out there, finding a plan that fits your budget and meets your pet’s needs can feel overwhelming. But don't worry, we're here to help!

In this guide, we'll walk you through the basics of pet insurance in the First State. We'll look at the types of plans available, coverage details, typical costs, and common health concerns pets face in Delaware. By the end, you'll know how to choose a policy that gives your pet the care they deserve – without breaking the bank.

Summary: Delaware Pet Insurance Ratings

AKC Pet Insurance

Best for pets with pre-existing conditions

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

ASPCA Pet Insurance

Best for wide-ranging coverage

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Embrace

Best for flexible policy options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Felix

Best for cats

Max Annual Coverage

$15,000

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Figo

Best for reimbursement options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$750

Pets Best

Best for senior pets

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$50-$1,000

Pumpkin

Best for puppies and kittens

Max Annual Coverage

Unlimited

Reimbursement Choices

90%

Deductible

$100-$1,000

Spot

Best for straightforward waiting periods

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Comparison information is provided using publicly available information as of 3/7/2025 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing info@petplace.com.

How Much Does Pet Insurance Cost in Delaware?

According to our research, Delaware pet insurance costs an average of $41 per month. This gets you a plan with $5,000 in annual coverage, a $250 deductible, and an 80% reimbursement level. For unlimited annual coverage with the same deductible and reimbursement rate, it's $66 a month*.

We calculated these figures by averaging the monthly costs from eight major pet insurance providers. To estimate typical expenses, we gathered quotes for a three-year-old, medium-sized, mixed-breed dog in two Delaware cities: Wilmington, a major urban center, and Georgetown, an average-sized city for the state.

It's important to note that your own Delaware pet insurance cost will depend on factors such as:

• Annual limit, deductible, and reimbursement level. These are the three primary components that determine your monthly premium. The annual limit is the maximum amount the policy will pay out in a year. The deductible is the amount you pay out-of-pocket before the insurance starts to cover costs. The reimbursement level is the percentage of the covered costs the insurance pays after the deductible. Generally, the higher the annual limit and reimbursement level, the more expensive the policy will be.
• Breed and gender. Some breeds are more prone to certain health conditions than others, which can impact the cost of insurance. Additionally, some insurers may charge different rates based on the gender of your pet.
• Your location. Where you live can affect the cost of pet insurance. Urban areas tend to have higher premiums due to the higher cost of veterinary care in cities.
• Your pet’s age. Just like with human insurance, the younger your pet is when you enroll them in a policy, the lower the premium will be. As they age, premiums may increase.

Additionally, there are other factors that can affect the cost of pet insurance, such as pre-existing conditions, your pet’s lifestyle, and whether or not you choose to add on any optional coverage. That's why it's vital to compare Delaware pet insurance plans carefully and choose a policy that suits your budget and your pet's individual needs.

Cost of Pet Insurance for Dogs in Delaware

Per our research, the average cost of pet insurance for a medium-sized mixed breed dog in Delaware is $41 per month*. This is based on a policy with $5,000 of annual pet insurance coverage, a $250 deductible, and an 80% reimbursement level. A policy offering unlimited annual coverage, with a deductible of $250 and an 80% reimbursement rate, costs $66 monthly.

Cost of Pet Insurance in Delaware by Dog Breed

According to the American Kennel Club (AKC), the three most popular dog breeds of 2023 in the U.S. were the French Bulldog, Labrador Retriever, and Golden Retriever. Here are the monthly pet insurance rates you can expect to pay for these breeds in Delaware:

Cost of Pet Insurance for Cats in Delaware

Pet insurance for cats is significantly cheaper than dog insurance in Delaware. The average monthly cost for cat insurance in the state ranges from $21 to $47, depending on factors such as age, annual coverage, breed, deductible, plan type, and reimbursement amount**.

Cost of Pet Insurance in Delaware by Cat Breed

In 2023, the three most popular cat breeds in the U.S. were the Ragdoll, Maine Coon Cat, and Persian, according to the Cat Fanciers' Association (CFA). Based on our analysis of Delaware pet insurance, here are the average monthly rates for these breeds:

Cost Comparison for Pet Insurance Companies in Delaware

Types of Pet Insurance Plans

Pet insurance companies offer policies that cover a wide range of issues, from accidents and illnesses to routine care. Here's an overview of the most common types of pet insurance plans:

Accident and Illness

This type of policy typically covers unexpected accidents and illnesses, such as broken bones, cancer, and infections. It generally includes diagnostic tests, x-rays, ultrasounds, exam fees, hospital stays, surgeries, and prescription medications.

Coverage may also extend to treatments like prosthetic devices, mobility aids, and, in some cases, alternative therapies such as acupuncture or chiropractic care. Coverage for behavioral issues and insurance for senior dogs and senior cats can vary between providers and might not always be included in the base plan, requiring add-ons or separate policies.

Accident Only

Accident-only pet insurance policies are typically the most affordable plans available, covering injuries from accidents like cuts, broken bones, and sprains. This includes vet exams, diagnostic testing (x-rays, MRIs, ultrasounds), hospitalization (surgery and treatment), medications, and rehabilitation.

Wellness and Routine Care

Wellness and routine care plans help manage and offset the cost of preventive care to keep your pet healthy. These policies generally cover routine check-ups, vaccinations, dental cleanings, microchipping, deworming, spay/neuter surgeries, and flea and tick prevention. This type of coverage is often available as an optional add-on to an accident and illness policy.

Pre-Existing Conditions

Pet insurance providers traditionally do not cover pre-existing conditions, making this an essential factor for pet owners to consider when choosing a policy. A pre-existing condition is any health issue that your pet was diagnosed with or showed symptoms of before the start date of the insurance policy or during the waiting period.

However, some insurance companies distinguish between curable and incurable pre-existing conditions. For curable conditions, if your pet has been symptom-free and has not required treatment for a specific period – typically for 6 to 12 months before the policy start date – these conditions might then be eligible for coverage. In contrast, incurable conditions, such as chronic diseases or ongoing illnesses, are generally not covered at any point.

Review your sample policy from your provider for a full list of condition coverage and exclusions.

Reimbursement

Reimbursement rates dictate the percentage of the vet bill that will be paid back to you after you've met your deductible. Common reimbursement levels offered by pet insurance companies range from 70% to 90%. Keep in mind that higher reimbursement rates typically result in higher monthly premiums, so you'll need to find the right balance that works for your budget and needs.

Waiting periods are another vital component of pet insurance policies. They refer to the time between the start date of your policy and when coverage actually begins. Most pet insurance plans have a waiting period for both accidents and illnesses, which can range from a few days to several months.

Accidents usually have a shorter waiting period, often starting within 48 to 72 hours after the policy begins, while waiting periods for illnesses might last anywhere from 14 to 30 days or more. It's vital to note these periods because no claims can be made for accidents or illnesses that occur during the waiting period.

How to Find the Best Pet Insurance in Delaware

From scenic beaches to wooded parks, Delaware offers plenty of space for pets to explore – but it also comes with a few risks. That's why it's important to choose a pet insurance plan with comprehensive coverage to keep your furry friend protected year-round.

Ticks are a major concern in Delaware’s forests and grassy areas, with Lyme disease being a common threat to pets. Regular tick prevention is important, particularly for pets that spend a lot of time outdoors. Wildlife like raccoons, bats, and skunks also pose a rabies risk, so keeping vaccinations up to date is an essential step in protecting your pet.

In addition, fleas thrive in Delaware’s humid climate, leading to skin irritation and potential health issues. Routine flea prevention not only keeps pets comfortable but also reduces the risk of flea-borne diseases.

Urban areas bring their own hazards, particularly in winter. Road salt and antifreeze can be harmful if ingested and may irritate sensitive paws. A quick wipe of your pet’s paws after walks is an easy way to help keep them safe.

When selecting pet insurance, look for a plan that covers preventive care, illnesses, and emergencies. A well-rounded policy ensures your pet is protected against Delaware’s seasonal and environmental risks, giving you peace of mind all year long.

Here are some important features to keep in mind when selecting the best pet insurance plan in the First State:

• 24/7 vet helpline. Access to a 24-hour veterinary helpline for immediate advice on emergency care or general health questions can be incredibly valuable.
• Direct vet payments. Some insurance providers offer the option to pay your vet bills directly, so you don't have to pay out of pocket and wait for reimbursement.
• Wellness and routine care coverage. Choosing a policy that offers wellness and routine care coverage can help offset the costs of preventive care.
• Waiting periods. Consider the waiting periods for accidents and illnesses to ensure you understand when coverage will begin.
• Vet exam fees coverage. Having coverage for exam fees can lead to significant long-term savings by reducing out-of-pocket costs for routine check-ups and unexpected visits.
• Multi-pet discount. If you have multiple pets, look for providers that offer discounts for insuring more than one pet.

Delaware Pet Laws

Delaware, home to scenic coastal towns and vibrant cities like Wilmington and Dover, has animal laws in place to protect pets, their owners, and the public. Whether you're enjoying the trails at Brandywine Creek State Park or strolling along Rehoboth Beach, responsible pet ownership is essential. Here’s what pet owners should know:

• Rabies vaccination. All dogs, cats, and ferrets over six months old must be vaccinated against rabies by a licensed veterinarian to help prevent the spread of the disease.
• Assistance animals. Service animals and guide dogs are legally recognized and granted special rights and protections under Delaware law.
• Animal cruelty. It is illegal to intentionally or recklessly mistreat or neglect an animal. This includes causing harm, withholding necessary care, or injuring another person's pet.
• Dangerous dogs. Dogs that have chased or attacked cyclists twice in a year, or have seriously injured or killed a person or domestic animal, may be classified as dangerous and subject to mandatory seizure.
• Dogs as property. Under Delaware law, dogs are considered personal property, meaning owners have legal rights and responsibilities regarding their pets.

Wilmington Pet Laws

From the scenic Riverfront to the historic streets of Old New Castle, Wilmington has regulations in place to promote responsible pet ownership and public safety. Whether you're walking your dog along the Christina River or in one of the city's parks, here are some important rules to follow:

• Dog licensing. All dogs over six months old must be licensed by the state. New residents or those with newly adopted dogs have 30 days to obtain a license.
• Restraint and confinement. Dogs must always be under control. When in public spaces like sidewalks, parks, or streets, they must be on a leash or chain no longer than six feet.
• Public nuisance animals. A domestic animal may be declared a public nuisance if it runs at large more than four times in a year, excessively barks, menaces pedestrians, or causes significant property damage.
• Humane care. Pet owners must provide sufficient food, water, shelter, and veterinary care when needed. It is illegal to abuse, neglect, or overwork an animal, as well as to instigate animal fights.

Dover Pet Laws

Owning a pet in Dover comes with responsibilities, from keeping them properly licensed to ensuring they don’t become a nuisance in public spaces. These local animal laws help protect pets, their owners, and the community:

• Leash and confinement rules. Dogs can't roam freely off their owner’s property. Any dog found running at large may be captured and impounded by police or animal control officers.
• Dog licensing requirements. All dogs must be licensed with the state. Owners who fail to comply with licensing laws may face fines.
• Waste cleanup. Pet owners must clean up after their animals in public areas, including streets, sidewalks, alleys, and stairways.
• Animal cruelty laws. It is illegal to abandon, mistreat, or harm an animal unnecessarily. Neglecting to provide proper food, water, or shelter is also a violation.

Georgetown Pet Laws

Georgetown, known for its historic charm and the scenic Red Barn Country Market, has pet laws in place to keep the community safe and enjoyable for all. Here are some important regulations for pet parents:

• Dogs must be contained. Owners must prevent their dogs from running loose by keeping them securely confined in a fenced yard, house, or other enclosure. When outside, dogs must be on a leash.
• Nuisance animals are prohibited. Dogs and cats cannot chase or impede pedestrians, cyclists, or vehicles, damage property, or repeatedly disturb others with excessive noise or aggressive behavior.
• Pet owners are responsible for their animals. Anyone who owns, harbors, or cares for a dog or cat is legally responsible for the animal’s actions and must ensure it does not cause harm or disruption.
• Property boundaries matter. Pet owners must keep their animals within their own property and ensure they do not roam onto public spaces or other people's land.

Common Pet Risks in Delaware

Delaware's diverse environments, from coastal beaches to lush forests, present various challenges for pet owners. Being aware of these common risks can help keep your pets safe and healthy:

• Tick-borne diseases. Delaware's wooded and grassy areas are home to ticks that can transmit illnesses like Lyme disease. Regular use of tick prevention products and thorough checks after outdoor activities are essential to protect your pets.
• Fleas. The state's humid climate creates an ideal environment for fleas, which can cause skin irritation and transmit diseases. Consistent flea prevention measures help maintain your pet's comfort and health.
• Rabies. Delawarean wildlife such as raccoons, bats, and skunks can carry rabies. Ensuring your pets' vaccinations are current is vital to prevent this fatal disease.
• Canine respiratory illnesses. Upper respiratory infections, including kennel cough, are common, especially in areas where dogs congregate. Symptoms may include coughing, sneezing, and lethargy. Keeping your dog up-to-date on vaccinations and avoiding contact with sick animals can reduce the risk.
• Intestinal parasites. Dogs in Delaware County have been diagnosed with parasites such as roundworms, hookworms, and whipworms. Regular deworming and preventive care are essential to protect your pet's health.
• Cold weather risks. During winter, pets are susceptible to hypothermia and frostbite. Providing adequate shelter and limiting exposure to extreme cold are vital steps to ensure their well-being.
• Heat-related illnesses. In the summer months, pets can suffer from heatstroke and dehydration. Ensure they have access to fresh water, shade, and avoid strenuous activities during peak heat hours.

Veterinary Costs in Delaware

According to Banfield Pet Hospital's Price Estimator, the average cost for a vet visit in Delaware is $83. However, costs will be higher for emergency care or specialized treatments. Here's an overview of vet visit costs in five cities across the state:

Best Pet Insurance by City in Delaware

As mentioned earlier, where you live can affect the cost of pet insurance. Here's an overview of the most affordable pet insurance providers in three major cities in Delaware:

Methodology

The PetPlace team compiled this guide through research and analysis of publicly available data. Some of the factors we considered include policy rates, waiting periods, the availability of a 24/7 vet helpline, and wellness routine care coverage. Our goal is to provide helpful information for pet owners in Delaware. However, we recommend conducting your own research, speaking to your vet, and considering your budget and your pet's specific needs before deciding on a pet insurance provider.

Best Pet Insurance in Delaware FAQs

Recommended Resources

• 7 Essential Tips for Choosing a Pet Insurance Policy That’s Right for You
• Compare and Contrast Pet Insurance Providers
• How Are Pet Wellness Plans Different from Pet Insurance?
• Is Pet Insurance Worth It for an Indoor Cat?
• Pet Insurance: What It Covers
• Pet Insurance for Kittens