Posted on: May 20, 2022 Posted by: Petsynse Comments: 0

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Dog on a Dock (Caption: Best Pet Insurance In Virginia)

Virginia’s official state dog is the American Foxhound, but many other breeds fill Old Dominion households and walk the scenic Blue Ridge Mountains and beaches. No matter your dog’s breed, you want the best for them, and that’s why you’re considering pet insurance. Your dog is lucky that you care so much about their health and wellbeing.

Purchasing a pet insurance policy for your dog can provide peace of mind when disaster strikes. All of our top-ranked pet insurance providers offer coverage in Virginia, so you have many options from which to choose.

Best Pet Insurance Ranking Best Overall Best Value Fastest Claim Processing Best Discount For Multiple Pets Best Newcomer
Company Pets Best Figo Healthy Paws Embrace Lemonade
Policy Coverage Comprehensive Comprehensive More Limited Comprehensive More Limited
Customer Service & Reputation Good Excellent, Stable Excellent, Stable Excellent, Stable Uncertain, New
Claim Processing (avg) 25-40 Days 3 Days 2 Days 5 Days 2 Days
Price Of Policy (avg) Lower Lower Varies Higher Lower
Plan Customizations Many Options Many Options Restricted Options Many Options Many Options
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Table Of Contents


Lab smiling

A dog’s breed is one of the determining factors for your pet insurance policy cost. Below is a ranking of the three most popular dog breeds in Virginia.

  1. Labrador Retrievers
  2. German Shepherds
  3. Beagles


These are the most popular dog breeds in Richmond, VA, the capital city.

  1. English Bulldog
  2. American Staffordshire Terrier
  3. American Pitbull Terrier
  4. Beagle
  5. Pembroke Welsh Corgi

How Much Does Pet Insurance Cost In Virginia?

Pet insurance pricing is based on your pet’s details (e.g., age, breed, location, etc.). According to NAPHIA (North American Pet Health Insurance Association), the average monthly premium for an accident and illness dog insurance policy in the U.S. in 2021 was $48.66 ($28.57 for cats).

Since prices vary based on where you live as well as your pet’s unique characteristics, the best way to determine how much it would cost you is to complete our quick pet insurance quote form and get estimates from several top pet insurance providers when you fill out one quick and easy form. This allows you to see how companies compare price-wise. With most companies, you can also adjust your monthly premium by lowering the deductible, reimbursement percentage, and annual payout to make it better fit your budget.

Once you have your customized price quotes, you may wonder how coverage varies among the different companies. Our pet insurance comparison includes multiple comparison charts to help you see key differences between coverage, waiting periods, age limitations, and more.

Which Virginia Cities Are Most Pet Friendly?

Virginia as a state ranks eighth for its overall pet-friendliness. It also scores high for pet-friendly restaurants per 100,000 residents (4.6), and overall, 56% of residents are pet owners. Below are the rankings for the most pet-friendly cities in Virginia based on the 100 largest U.S. cities. The scores are from 1-100 with 1 being the best city and 100 the worst.

Note: Cities outside of Virginia were excluded from this table except for Washington, DC. It is included due to its proximity and close connection with Northern Virginia, but it is not technically located in Virginia.

  Most Pet-Friendly Cities Pet Budget* Pet Health & Wellness** Outdoor Pet-Friendliness***
Chesapeake 48 58 81 21
Virginia Beach 60 50 54 79
Norfolk 92 56 94 73
Washington DC+ 61 91 41 9

*Pet budget was determined by considering vet care costs, minimum pet-care provider rate per visit, and dog insurance premiums.
**Pet health and wellness was determined by considering veterinarians per capita, pet caretakers per capita, animal trainers per capita, pet businesses per capita, dog-friendly restaurants per capita, dog-friendly shops per capita, pet meetup groups per capita, doggie daycare and boarding establishments per capita, pet-friendliness of rental markets, average home square footage, share of single-family detached homes, share of homes with one or fewer occupants per room, animal shelters per capita, and strength of animal protection laws.
***Outdoor pet-friendliness was determined by considering weather, dog parks per capita, parkland as a share of the city area, walk score, dog-friendly trails per capita, and dog shows per capita. 

Pet Insurance Claim: Cost And Reimbursement From A Virginia Customer

Cartoon of veterinarian petting dog next to piggy bank (Caption: Start Saving Money On Vet Bills, Compare Pet Insurance Rates In Minutes; Button Text: Get My Quotes)

Below is a real-life pet insurance claim from a Healthy Paws customer in Virginia.

  • Location: Oakton, VA
  • Condition: Laceration
  • Total Vet Cost: $952
  • Reimbursement: $756
  • Amount Customer Paid: $196

Should I Get Pet Insurance?

Pet insurance provides peace of mind knowing you’ll never have to choose your wallet over your dog’s health. We all understand that the health status of a loved one can change quickly, which means increased stress and worry about them. Thankfully, pet insurance takes the burden away from you financially so you can focus on your pup’s health instead of your bank account. Learn more about why pet insurance is worth considering.

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