Pet Insurance Coverage in Virginia

Embrace provides coverage for your pet whether you visit a neighborhood vet in Richmond, Virginia Beach, Norfolk or anywhere else in Virginia.

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 Virginia

Virginia pet owners can get peace of mind with Embrace Pet Insurance. Our plans are built for financial control, featuring a diminishing deductible and customizable reimbursement rates to fit your budget. We offer flexible policies with no lifetime limits and include coverage for breed-specific conditions, protecting your pet from both common and unexpected health issues. Excellent customer service and simple claims management make Embrace a top choice for pet parents across the Old Dominion.

Why Pet Insurance is Important in Virginia

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 Virginia, where pets face distinct regional health challenges. For those in the Old Dominion, a highly-rated provider like Embrace Pet Insurance offers excellent options for coverage. 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.

Foxtails

Foxtails are common in Virginia's fields, these barbed seeds can embed in a pet's paws, ears, or nose. They can migrate deep into the body, causing painful infections that often require expensive surgical removal.

Snakebites

Diverse landscapes are home to venomous snakes like rattlesnakes and copperheads. An unexpected snakebite on a hike or even in your own backyard can lead to a life-threatening, and expensive, veterinary emergency.

How Much Does Pet Insurance Cost in Virginia

In Virginia, the price of pet insurance is based on your pet's age, breed, and zip code. Premiums are lower for younger pets, while some breeds cost more due to hereditary health risks. Your specific location also matters, reflecting the varying cost of veterinary services throughout the Old Dominion.

Dog Insurance

On Average:

$56 per month for Dog Insurance

Cat Insurance

On Average:

$33 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 Virginia?

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

Kennel Cough

With Virginia's active dog community, Kennel cough is a common concern. This airborne illness is easily transmitted in social settings like boarding facilities and dog parks, leading to a persistent, harsh cough. While most dogs recover easily, it can be severe for the very young or old. Vaccination against Bordetella is a crucial safeguard for any dog that interacts with others in the Old Dominion.

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

Wellness Care in Virginia

A wellness plan is a proactive tool for managing your pet's routine health costs in Virginia. While insurance is for unforeseen events, a wellness plan helps you budget for predictable care by paying you back for services like spay/neuter surgery, vaccinations, and annual check-ups, making preventative care in the Old Dominion more affordable.

What is the average cost of pet insurance in Virginia?

There’s a wide range of pet insurance costs, depending on a wide variety of factors, including coverage limits. On average, our Virginia pet insurance costs between $45 and $60 per month in 2025.

Which company has the cheapest pet insurance in Virginia?

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

Despite its scenic beauty, from the Blue Ridge Mountains to the Atlantic coast, Virginia is home to many hidden dangers for pets. In the sweltering summer months, severe heat and humidity create a major risk for heatstroke, while icy winters bring dangers of hypothermia and paw damage from chemical ice melts. Virginia's weather can be unpredictable, with hurricanes and severe thunderstorms causing flooding, especially in coastal and low-lying areas.

Heartworms, fleas, and ticks are prevalent year-round, and Virginia's woodlands make it a hotspot for tick-borne illnesses like Lyme disease, Ehrlichiosis, and Rocky Mountain Spotted Fever. If you frequent Virginia's popular dog parks or trails, parvovirus and kennel cough are other contagious risks to be aware of.

The state’s natural areas also pose unique threats. Venomous snakes like the Copperhead are common even in suburban yards, and encounters with coyotes, bears, and rabid raccoons are a concern. In late summer, toxic blue-green algae can contaminate lakes and ponds. The Old Dominion’s varied 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 Virginia?

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 people 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.

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.