FurVerdict
State guide

Pet insurance in Pennsylvania

PA · 2 citiesHow we review
PA at a glance
Avg. annual vet costNational reference, cited below. Individual cost varies by region and pet.$1,050
Regulatory notesPet insurance in Pennsylvania is regulated as a property and casualty product by the Pennsylvania Insurance Department. Insurers must file policy forms and rates with the Department before offering coverage to Pennsylvania residents. Pennsylvania has no state-specific mandated pet insurance benefits beyond standard property and casualty regulatory requirements.
Common health concerns

Listed for insurance cost context only, not medical guidance.

  • Lyme disease and tick-borne illness claim rates are well above the national average across much of the state
  • Winter cold and ice-related injury claim frequency is elevated for outdoor dogs
  • Higher emergency-vet and specialist claim costs in the Philadelphia metro reflect elevated local vet labor costs
  • Seasonal allergy and skin claim frequency is elevated in humid summer months
Cost and regulatory sources
  1. Pennsylvania Insurance Department: consumer insurance guidance (2026-05-17) State regulator guidance backing the regulatory notes on this page.
  2. NAPHIA State of the Industry, Average Premiums (2026-05-17) National accident-and-illness reference. The figure shown is a regional estimate against this national average; individual cost varies by region and pet.

Providers that write coverage in Pennsylvania

These insurers offer policies to pet owners in Pennsylvania. We list them here for reference while our full provider write-ups are in progress.

Lemonade
Healthy Paws
Embrace
Trupanion
ASPCA Pet Health Insurance

Cities in Pennsylvania

PhiladelphiaPittsburgh