Pet Insurance in Pennsylvania
Vet costs in Northeast PA — from Scranton and Wilkes-Barre to rural Lackawanna, Luzerne, and Monroe counties — can add up fast. These are the top-rated pet insurance providers available to Pennsylvania residents, compared by coverage quality, price tier, and what makes each one stand out.
Ranked by coverage quality
Top pet insurance providers in Northeast PA
Healthy Paws
One of the most popular plans in Pennsylvania, Healthy Paws covers accidents and illnesses with no annual or per-incident caps. Reimbursements are fast — often within 2 days — and their mobile app makes filing claims simple for busy pet owners.
- Unlimited lifetime benefits
- No annual or per-incident caps
- Fast claim reimbursements
- Covers cancer, hereditary conditions
Trupanion
Trupanion pays vets directly at checkout, so you never have to front the bill. Plans cover 90% of eligible veterinary costs with no payout limits. Widely accepted at vets throughout Scranton, Wilkes-Barre, and the greater NEPA region.
- Direct vet payment at checkout
- 90% reimbursement on eligible costs
- No payout limits
- Covers congenital & hereditary conditions
Embrace Pet Insurance
Founded in Ohio and serving all of Pennsylvania, Embrace lets you tailor your deductible, reimbursement rate, and annual limit to fit your budget. They also cover dental illnesses — something many competitors exclude — making it a strong choice for older dogs.
- Diminishing deductible each claim-free year
- Dental illness covered
- Flexible plan customization
- Wellness rewards add-on available
Fetch Pet Insurance
Fetch covers more conditions than most competitors, including behavioral issues, alternative therapies, and specialist visits. There's no age limit for enrollment, making it a great option for owners with older dogs in the Poconos or rural Lackawanna County.
- No upper age limit
- Covers behavioral therapy
- Alternative & holistic care included
- Specialist & ER visits covered
ASPCA Pet Health Insurance
Backed by the ASPCA name, this plan offers solid accident-and-illness coverage at some of the lowest monthly premiums available to Pennsylvania residents. A wellness add-on covers routine care like vaccinations and annual exams.
- Low monthly premiums
- Optional wellness add-on
- Covers exam fees
- 30-day money-back guarantee
Nationwide Pet Insurance
The only major provider to offer a whole-pet plan that includes routine wellness alongside accidents and illness. Nationwide has been serving Pennsylvania pet owners for decades and is accepted by thousands of licensed vets across the state.
- Whole-pet wellness plan available
- Exotic pet coverage offered
- Decades of service in PA
- Large vet network
Lemonade Pet Insurance
Lemonade uses AI to process most claims in seconds via their app — no paperwork, no phone calls. Base plans are affordable, and you can add on coverage for preventive care, dental, and physical therapy. Available to Pennsylvania residents.
- AI-powered instant claims
- App-first experience
- Preventive care add-ons
- Transparent flat-fee model
Figo Pet Insurance
Figo's Pet Cloud app lets Pennsylvania owners file claims, store vet records, and track coverage all in one place. They offer up to 100% reimbursement plans and cover chronic conditions, prescription food, and cancer treatment.
- Up to 100% reimbursement option
- Covers chronic & recurring conditions
- Lost pet assistance included
- 24/7 vet chat available
Pets Best Insurance
Pets Best offers accident-only, accident-and-illness, and BestWellness plans. Claims are processed quickly — typically within 5 business days — and there's no age limit for enrollment. A reliable, no-frills option for Northeast PA pet owners.
- No enrollment age limit
- Multiple plan tiers
- Fast claim processing
- 24/7 vet helpline
Progressive Pet Insurance
Progressive underwrites pet insurance through Pets Best and lets you bundle it alongside home or auto coverage. If you're already a Progressive customer in Pennsylvania, adding pet coverage is straightforward and may earn you a multi-policy discount.
- Bundle discount with home/auto
- Backed by Pets Best underwriting
- Flexible annual limits
- Online quote in minutes
Disclosure: This page is an informational resource for Pennsylvania pet owners. Links may be affiliate or referral links. Ratings and coverage details are based on publicly available information and are subject to change. Always review plan terms directly with the insurer before purchasing.