Ohio Pet Insurance

There’s a wide range of pet insurance costs, depending on a wide variety of factors, including coverage limits. On average, our Ohio pet insurance costs between $17 and $50 per month in 2025.

We believe honesty is the best policy, so we won’t tell you that Embrace is the cheapest in Ohio when it isn’t always. But our goal isn’t to be the cheapest, our goal is to cover more and offer the best pet protection we can. We are highly rated by our members (4.0 Google; 4.1 Trustpilot), have a 4.2-star rating from Forbes and are also highly rated by Rover, Investopedia, Money, Canine Journal and others. If you’re the type of pawrent who wants the best for their fur baby, you’ve come to the right place.

Ohio's landscapes beckon with rolling hills, shimmering lakes, and vibrant forests, promising endless adventures for our furry companions. But amidst this charm lie potential hazards worth noting, especially for those with four paws. Lake-effect snow can lead to rapidly changing conditions and reduced visibility, making walks and outdoor adventures potentially hazardous. Winter's icy grip also brings the risk of antifreeze poisoning, its sweet taste a hidden danger. Summer's sun can lead to heatstroke if proper precautions aren't taken. Even seemingly calm lakes and ponds can harbor toxic algae blooms, posing a threat with a single sip.

Beyond the seasons, Ohio's varied terrain presents its own set of considerations. Lush fields and shady forests hide poisonous plants like lilies and mushrooms. Stagnant water becomes breeding grounds for mosquitos, carrying the threat of heartworm. And while Ohio's wildlife is a source of wonder, coyotes, hawks, and even raccoons can pose a danger to smaller pets, especially during unsupervised playtime. Common foes like heartworm, fleas, and ticks are prevalent here as well.

Cincinnati's quaint historic districts boast exposed brick, uneven sidewalks and lead paint pose silent threats. Even dog parks, built for fun, can put your pup at risk for kennel cough and Parvovirus. The majestic Ohio River demands a watchful eye for swift currents and hidden hooks.

For any pet parent who wants to avoid being stuck with thousands in vet bills, pet insurance offers a way to pay upfront and get reimbursed for covered costs later. No matter how careful we are with our pets, accidents happen, and illness is largely unpredictable.

An emergency with a few zeroes behind it can lead to tough decisions, and pet insurance can help you make life saving decisions without financial worry.

If you’re contemplating pet insurance, you’re in good company. According to Nerd Wallet, the number of pet parents who opted for pet insurance has doubled since 2019.

Oh, and if you’re wondering, pet insurance is likely to pay off faster than you think. More than 50% of Embrace customers submit a claim within their first policy year, based on Embrace’s claims data.

Details vary, so here’s what you can expect: Whether or not you can use pet insurance immediately depends on the type of coverage you have. All policies cover accidents from the effective start date of the policy. All polices have a 2 week illness waiting period. Most pet wellness plans, on the other hand, aren’t insurance policies and your full benefits are available from day one. Other waiting periods and exclusions vary by state. Check your policy or click here for details.