Pet Insurance Coverage in Pennsylvania

Embrace provides the best pet insurance in Pennsylvania, with complete coverage for your pet whether you visit a neighborhood vet in Harrisburg, Pittsburgh, Philadelphia or anywhere else in Pennsylvania.

A fluffy golden-colored small dog and a tabby cat with white markings sit peacefully side by side on a white windowsill, both gazing out through a large window at the greenery beyond, with a small potted plant visible on the left side of the frame. This serene moment between two beloved pets highlights why many pet owners consider insurance coverage.

Why Embrace is Right for Pennsylvania

Embrace Pet Insurance is an ideal choice for Pennsylvania pet owners, offering coverage tailored to the unique risks pets face in the region, such as Lyme disease from ticks. With flexible plans, no lifetime limits, and coverage for breed-specific conditions, Embrace ensures your pet is protected against both routine and unexpected health challenges. Their commitment to excellent customer service and easy claims management makes Embrace a trusted partner for pet parents across the Keystone State.

Why Pet Insurance is Important in Pennsylvania

Pet insurance provides invaluable peace of mind for any pet owner by preparing them for unexpected veterinary costs. This financial protection is especially crucial for residents of Pennsylvania, where pets face distinct regional health challenges. For those in the Keystone State, a highly-rated provider like Embrace Pet Insurance offers excellent options for coverage. From tick-borne illnesses common in the state's dense forests to harsh winter conditions, having a policy ensures you can prioritize your pet's health without financial hesitation.

Ticks

Lyme disease is spread through infected tick bites, affecting people and pets. Check your pets for ticks and ask your vet about prevention options, including vaccines.

Winter's Bite

Blankets of snow hide dangers below. Harsh winters bring toxic ice melts that burn sensitive paws and frigid air that can cause frostbite in minutes, making protective coats and limited outdoor time essential for keeping your pet warm.

Heartworm

The warm evening air carries the hum of mosquitoes, their buzz masking a lethal threat. A single bite can transmit heartworm, a silent parasite that attacks the heart and lungs.

How Much Does Pet Insurance Cost in Pennsylvania?

Pet insurance costs* depend on your pet’s age, breed, and location. Younger pets are typically cheaper to insure, while certain breeds may cost more due to medical risks. Veterinary care costs, which vary by location, also impact pricing.

Dog Insurance

On Average:

$57 per month for Dog Insurance

Cat Insurance

On Average:

$32 per month for Cat Insurance

*Based on internal Embrace claims data from 2025

Embrace Insurance Plans Help Protect Your Pet

An Embrace Plan allows you to be reimbursed up to 90% of eligible expenses once your annual deductible is met.

Accident & Illness Plans include coverage for illnesses your pet might contract.

Example Bill
Total Vet Bill $5,000
Deductible Amount - $100
Cost After Deductible $4,900
Coverage Rate x 90%
You Pay $590
Embrace Covers $4,410

Is Pet Insurance Worth it in Pennsylvania?

Here's why we recommend it to our Pennsylvania Embrace customers.

Kennel Cough

Kennel cough is a highly contagious respiratory illness for dogs, posing a significant risk in Pennsylvania where dogs socialize at parks, trails, and daycare facilities. Caused by bacteria and viruses like Bordetella, it's recognized by a persistent, hacking cough. While often mild, the illness can lead to serious complications for puppies and senior dogs. The most effective preventative measure for any social dog in the Keystone State is the Bordetella vaccine.

A Golden Retriever enjoying a bath, highlighting the importance of regular grooming as part of comprehensive pet wellness plans

Wellness Care in Pennsylvania

A wellness plans is a proactive budgeting tool for Pennsylvania pet owners. While insurance is there for unexpected events, a wellness plan reimburses you for routine services like annual exams, vaccinations, and dental cleanings. This optional add-on helps you spread out the predictable costs of keeping your pet healthy in the Keystone State.

What is the average cost of pet insurance in Pennsylvania?

There’s a wide range of pet insurance costs, depending on a wide variety of factors, including coverage limits. On average, our Pennsylvania pet insurance costs between $30 and $60 per month in 2025.

Which company has the cheapest pet insurance in Pennsylvania?

We believe honesty is the best policy, so we won’t tell you that Embrace is the cheapest in Pennsylvania 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.

What are common risks to pets in Pennsylvania?

Despite its beautiful landscape, Pennsylvania is home to many hidden dangers to pets. The state's four distinct seasons present unique challenges, from heatstroke during humid summers to frostbite and paw damage from chemical deicers during harsh winters. Heartworms, fleas, and ticks are also prevalent, and the state is a known hotspot for tick-borne illnesses like Lyme disease. If you frequent the dog park, parvovirus (which can be deadly) and kennel cough are other risks to be aware of. Additionally, Pennsylvania has unique dangers such as encounters with porcupines, bears, and coyotes in its vast woodlands, venomous snakes like the Copperhead and Timber Rattlesnake, and poisonous wild mushrooms found along hiking trails. The Keystone State’s distinct environment calls for pet owners to take extra precautions to keep their furry friends safe from these hazards.

Is it worth having pet insurance for dogs in Pennsylvania?

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 paid back 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 save your pet’s life.

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.

Can pet insurance be used immediately?

Details vary, so here’s what you can expect: Whether or not you can use pet insurance immediately depends on it's effective date. 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.