Get the Best Pet Insurance in West Virginia in 2025

Sponsored by Figo Pet Insurance

If you’re a pet parent in West Virginia, choosing the right pet health insurance can feel like a big task. With so many options out there, it’s essential to know what’s covered, what isn’t, and how it fits into your budget. Picking the right plan means you’ll be ready to handle unexpected vet bills while ensuring your furry friend gets the care they deserve.

This guide is designed to simplify the process for pet owners in the Mountain State. We’ll go over average costs, highlight some top pet insurance companies, and discuss how pet insurance in West Virginia may vary compared to other regions. Whether you’re looking for coverage for accidents and illnesses or routine wellness care, this guide will help you make a confident, informed choice.

Summary: Best West Virginia 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 1/22/2025 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 West Virginia?

According to our research, West Virginia pet insurance costs an average of $30 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 $47 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 West Virginia cities: Charleston, a major urban center, and Clarksburg, an average-sized city for the state.

It's important to note that your own West Virginia 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 West Virginia 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 West Virginia

Per our research, the average cost of pet insurance for a medium-sized mixed breed dog in West Virginia is $30 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 $47 monthly.

Cost of Pet Insurance in West Virginia 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 West Virginia:

Cost of Pet Insurance for Cats in West Virginia

Pet insurance for cats is significantly cheaper than dog insurance in West Virginia. The average monthly cost for cat insurance in the state ranges from $13 to $37, depending on factors such as age, annual coverage, breed, deductible, plan type, and reimbursement amount**.

Cost of Pet Insurance in West Virginia 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 West Virginia pet insurance, here are the average monthly rates for these breeds:

Cost Comparison for Pet Insurance Companies in West Virginia

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 West Virginia

West Virginia’s lush forests, rolling hills, and humid climate create unique risks for pets that make comprehensive pet insurance a smart investment. From parasite concerns to weather-related challenges, pet parents in the Mountain State should be prepared for a range of potential health issues.

Tick-borne illnesses like Lyme disease are a major concern in West Virginia’s wooded and grassy areas. Year-round tick prevention is essential for outdoor pets. Intestinal parasites such as whipworms and hookworms are also common, making regular deworming and routine vet visits important.

In addition, wildlife encounters with animals like coyotes and raccoons can pose risks to pets, leading to injuries or disease. Supervision and up-to-date vaccinations are key to keeping pets safe.

West Virginia’s seasonal weather adds more challenges. Humid summers increase the risk of heatstroke, while cold winters can lead to hypothermia without proper shelter. Monitoring pets and providing adequate protection helps reduce these risks.

A pet insurance plan with broad coverage for preventive care, illnesses, and emergencies ensures your pet is ready for West Virginia’s unique challenges year-round.

Here are some important features to keep in mind when selecting the best pet insurance plan in the Mountain 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, especially in a state like West Virginia, where environmental issues are a common concern.
• 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. Veterinary costs in West Virginia are often lower than in many states, but having coverage for exam fees can still lead to significant savings over time.
• Multi-pet discount. If you have multiple pets, look for providers that offer discounts for insuring more than one pet.

West Virginia Pet Laws

Known for its stunning mountain landscapes and historic sites like Harpers Ferry, West Virginia enforces pet laws that promote animal welfare, responsible pet ownership, and public safety. Here’s what West Virginia pet parents need to know:

• Dangerous dogs. Owning a dog known to be vicious or dangerous is illegal unless a special license is obtained from the county assessor. Licensed dangerous dogs must be securely restrained or enclosed and may be kept for protection purposes.
• Rabies observation. Any domesticated animal, including dogs and cats, that bites a person must be confined and quarantined for ten days for rabies observation.
• Leash laws. Dogs are prohibited on the grounds of the state capitol buildings or governor’s mansion unless controlled by a leash. Violations result in a fine.
• Dogs running at large. Vaccinated dogs and cats are permitted to roam freely unless a local ordinance restricts this or a rabies quarantine is in effect. Exceptions apply to dogs engaged in lawful activities such as hunting, training, herding, or farm work.
• Animal cruelty. It is a misdemeanor to mistreat, abandon, or withhold essential care, such as food, water, shelter, or medical treatment, from an animal. Intentionally torturing or killing an animal is a felony offense.

Charleston Pet Laws

Charleston is full of history and famous spots like the Capitol Market and Clay Center. The city also has rules to promote responsible pet ownership and keep everyone safe. Here’s what pet parents should keep in mind:

• Licensing and vaccinations. All dogs, cats, and ferrets over six months old must be vaccinated against rabies. Dogs are required to wear a collar or harness with a current rabies tag at all times, and owners must obtain an annual license for each dog.
• Tethering restrictions. Dogs cannot be tethered directly by a chain or rope without a proper collar or harness. When the temperature is 90°F or above, or 32°F or below, tethering is limited to one hour at a time and no more than five times within a 24-hour period.
• Running at large. Dogs are not allowed to roam freely in Charleston. A dog is considered at large if it is off the owner’s property and not on a leash or chain under direct control. Exceptions include fenced areas or closed structures with the property owner’s permission. Electronic collars are acceptable for control but are not permitted in the central business district.
• Dangerous dogs. Dogs designated as dangerous must be registered annually, microchipped, and covered by an insurance policy for any injuries or damages they may cause. Dangerous dogs must be confined indoors or in a secure enclosure. Noncompliance can lead to fines, impoundment, or euthanasia.

Huntington Pet Laws

Huntington, home to Marshall University and the stunning Ritter Park, has a range of pet laws designed to ensure animal welfare and public safety. Here are some important ordinances for pet owners in the city:

• Restraint and running at large. Dogs must always be under effective restraint. A dog is considered "at large" if it is off the owner’s property without a leash or not under the control of a competent person.
• Rabies vaccination. Dogs aged five months or older must be vaccinated against rabies by a licensed veterinarian every two years. Owners must ensure dogs wear a collar with a current rabies vaccination tag, and veterinarians must forward vaccination records to the Animal Control Authority monthly.
• Annual license tax. Dog owners in Huntington must pay a $1 annual license tax per dog. Upon payment, owners receive a metal tag that must be attached to the dog's collar.
• Pit bull and wolf-hybrid regulations. Owners of pit bulls or wolf-hybrids must register their dogs with the Animal Control Authority, providing their name and the address where the dog is kept. These dogs must be securely confined indoors or in a locked pen or kennel. When outside the enclosure, they must be on a leash no longer than six feet and muzzled. Specific requirements govern the construction of enclosures for these breeds.

Morgantown Pet Laws

Morgantown, home to West Virginia University and beautiful Coopers Rock State Forest, has animal laws in place to keep tails wagging and neighborhoods thriving. Here are a few rules and regulations pet owners should know about:

• Running at large. Dogs must be confined to the owner’s property or leashed when in public. Leashes cannot exceed six feet, and dogs must wear a collar displaying the owner’s name, address, and city tax tag. Cats may roam freely but must wear identification.
• Cruelty to animals. It's unlawful to mistreat or abandon animals or deny them proper food, water, shelter, or medical care needed for their health or to prevent suffering. Leaving animals in vehicles under conditions likely to cause injury or death is also prohibited.
• Tethering restrictions. Dogs cannot be tethered in a way that is harmful or cruel. Prohibited actions include tethering nursing females or dogs under six months old, using chains with metal links thicker than one-quarter inch, and tethering dogs outdoors between 10:00 p.m. and 6:00 a.m. Tethers must be at least 15 feet long.
• Rabies vaccination. All dogs and cats over six months old must be vaccinated against rabies. Boosters are required one year after the first vaccination and every three years thereafter. Vaccination tags must be attached to a collar worn by the animal.

Common Pet Risks in West Virginia

West Virginia’s rich forests and outdoor spaces offer plenty of adventure for pets but also come with unique challenges. From parasites to extreme weather, pet parents need to stay vigilant to keep their companions safe. Here are some of the most common risks:

• Tick-borne diseases. West Virginia’s wooded and grassy areas are prime habitats for ticks that spread diseases like Lyme disease and Ehrlichiosis. Regular tick prevention and checks after outdoor activities are essential to protect pets.
• Intestinal parasites. Parasites like whipworms and hookworms are common in the state, often contracted through contaminated soil or water. Routine deworming and veterinary care can help prevent these infections.
• Wildlife encounters. Wild animals such as coyotes, raccoons, and skunks in rural or wooded areas can harm pets through injuries or by spreading diseases like rabies. Supervision and updated vaccinations are key to reducing risks.
• Heat-related illnesses. Humid summers increase the risk of heatstroke and dehydration, especially for pets with thick coats or flat faces. Access to fresh water, shade, and limited outdoor activity during peak heat helps prevent these issues.
• Cold weather risks. Winters in West Virginia bring freezing temperatures that can lead to frostbite or hypothermia, especially for short-haired or older pets. Proper shelter and limiting outdoor exposure are essential during cold spells.

Veterinary Costs in West Virginia

According to Banfield Pet Hospital's Price Estimator, the average cost for a vet visit in West Virginia is $73. 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 West Virginia

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 West Virginia:

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 West Virginia. 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 West Virginia 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