Pet insurance in Ohio

Unexpected vet bills can make you say uh-O-H, but with Ohio pet insurance from Embrace, you can focus on getting your furry family member back to health without worrying about the cost of treatment. Coverage is offered at every neighborhood vet from Cleveland to Cincinnati, Toledo to Youngstown- just about everywhere throughout the Buckeye State.

Why We Recommend Pet Insurance if You Live in Ohio

Sometimes our four-legged friends find themselves in a “ruff” spot. In Ohio, everything from the change of seasons, to tiny bugs, harsh weather, and unexpected accidents can cause problems for our pets, which is why you should get pet insurance in Ohio. We've compiled a list of claims from the Buckeye State, and here are some of the most common concerns our Ohio pet parents have:


Get pet insurance in Ohio if your pet has allergies

Did you know your pet can suffer from seasonal allergies? In fact, we see allergies as the top diagnosed condition among pets covered throughout the Buckeye State. Allergies may be recurring and require prescription medication. Luckily, pet insurance from Embrace covers it, so you and your pet can enjoy all four seasons that the great state of Ohio has to offer.

Poisonous Insects

Get dog insurance in Ohio in case of ticks & fleas

You might not think of Ohio as a warm weather climate, but the heat and humidity that we experience throughout the summer are enough to put your pet at risk for ticks and fleas. Luckily, our Embrace policyholders can choose to add Wellness Rewards to their policy for proactive, routine care including tick and flea prevention.

Extreme Weather

Pet insurance in case of extreme weather

Ohio’s weather varies from season to season, putting dogs and cats at risk for seasonal illnesses and injuries. Cold winter weather may cause pets to suffer from frostbite or hypothermia. Hot, humid weather may lead to cats and dogs overheating and dehydration. With pet insurance, you can be prepared to protect your pet's health and safety, no matter what the weather forecast is.

Unexpected Accidents

Get pet insurance in case of unexpected accidents

We do our best to keep our pets safe and healthy, but accidents and illnesses are inevitable. Whether it’s a torn ligament from fetching too hard or an upset stomach from accidental ingestion, we don’t want to see our pets in pain. Some may take the chance and address these accidents when they arise; others invest in pet insurance to protect their pet and receive rewards for proactive care.

Some Happy Endings from Our Ohio Pet Parents

Sadie the Basset Hound Mix from Northfield, Ohio with insurance

Vet Bills: $9,032

Embrace Reimbursed: $6,525.24

"Our claims were filed very quickly, which eases so much stress in those tough moments. Sadie brings so much love and joy into our lives and we are just truly so grateful for Embrace and the coverage that Sadie has received. Thank you!" Brandon | Northfield, OH

Dexter the Dachshund with pet insurance diagnosed with gallstones
Dexter the black daschund

Vet Bills: $6,411

Embrace Reimbursed: $4,529.08

"Embrace has always been phenomenal to work with and has always helped us with the little claims, and the major ones. We are so thankful!" Karalee M | Newark, OH

Buddy from Chesterland, Ohio had pet insurance
Buddy - Mixed Breed Dog

Vet Bills: $9,989

Embrace Reimbursed: $7,554.56

"Thanks to Embrace [Buddy] is a happy dog with 20/20 vision and we're not 'sleeping in the doghouse' wondering how to pay the vet bills. They've been a real God-send." Michelle S | Chesterland, OH

How Much Does Pet Insurance Cost in Ohio?

Personalize a policy for your best bud (and budget) by picking your deductible, your annual maximum, and your reimbursement percentage. The cost of a pet insurance policy varies by breed, Zip Code, and a few additional factors. 

Below are a few estimates to give you a better idea of what pet insurance might cost in Ohio.

Species Breed Age Premium
Dog Mixed Breed 1 $30-$40 per month
Dog Golden Retriever 3 $35-$45 per month
Dog Labrador Retriever 5 $45-$55 per month
Cat Domestic Shorthair 3 $20-$25 per month

Estimates based on quotes by Embrace Pet Insurance

What All is Covered by Pet Insurance in Ohio?

Embrace’s comprehensive pet insurance covers accidents, injuries, illnesses, and a whole lot of ruff stuff. (We even cover exam fees!) Details of our coverage can be found here.

  • Illnesses

  • Chronic Conditions

  • Dental Accidents and Illnesses

  • Consultations & Tests

  • Accidents & Injuries

  • Procedures & Treatments

  • Follow-Up Care

  • & So Much More

What’s not covered with cat and dog insurance?

While no pet insurance covers pre-existing conditions – Embrace included – we do distinguish between curable and incurable pre-existing conditions and cover curable conditions after your pet is symptom and treatment-free for 12 months when we consider pre-existing condition pet insurance.

We also do not cover cosmetic procedures (declawing, ear cropping, tail docking, etc.), breeding and whelping, DNA testing, or cloning.

For routine and preventative care, we offer a flexible Wellness Rewards plan, which is the perfect complement to your full pet insurance policy.

Learn more about our dog insurance and cat insurance plans today.

How Does Pet Insurance Work in Ohio?

We make the pet insurance claims process so easy your pet could practically do it. Get an itemized invoice and the diagnosis from your vet and take a picture to submit. That's all you need when you submit your claim via your MyEmbrace customer account – because who has time to print and fax or snail mail? Voila. You’re done!  

We even offer direct deposit so you can get reimbursed quicker. 

Whether you need dog health insurance or pet insurance that covers dental, we can help.