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Find the Best Pet Insurance in Richmond, VA

Unexpected veterinary costs can wreck your budget, but pet insurance reimburses you for the cost of covered treatments. The Richmond Times-Dispatch has partnered with ConsumerAffairs to create this guide by comparing customer reviews and policies of more than 20 businesses and choosing six favorites from the top pet insurance companies in Richmond.

Companies pay ConsumerAffairs to be authorized, and the Richmond Times-Dispatch and/or ConsumerAffairs may receive compensation when you click a link, call a number or fill out a form on this site.

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How does pet insurance work in Richmond?

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Pet insurance policies are relatively simple. To use your pet insurance, you pay for your pet’s treatment at the time of service and then file for a claim with your insurance provider. If your plan covers the treatment, they reimburse you.

  • What pet insurance covers: Your plan should cover most common illnesses and accidents, including injuries from car accidents, accidental ingestions and skin conditions. Most plans include additional coverage for unexpected costs related to congenital conditions or behavioral issues, too.
  • What pet insurance doesn't cover: Pet insurance policies don’t cover preexisting conditions, and most don’t cover wellness services, breeding expenses or cosmetic procedures. Some pet insurance companies have upper age limits for pets, as well.

With most policies, you can customize your coverage, deductibles, reimbursement rates and yearly payout limit.

  • Reimbursement rates typically range from 70% to 100%.
  • Deductibles can be anywhere from $100 to $1,000.

Most policies come with annual payout limits up to $30,000. Some plans have unlimited payout caps, but these are usually the most expensive option. Once you sign up, expect a one- to 15-day waiting period before your coverage kicks in.

Sample pet insurance costs in Richmond

We asked Spot Pet Insurance, Embrace Pet Insurance and ASPCA Pet Health Insurance how much it would cost to insure a one-year-old, female Labrador retriever with comprehensive coverage in Richmond at the time of publishing:

  • Spot Pet Insurance: $67.16 per month for a policy with a $5,000 annual payout limit, an 80% reimbursement rate and a $250 deductible.
  • Embrace Pet Insurance: $62.21 per month for a policy with a $5,000 annual payout limit, an 80% reimbursement rate and a $300 deductible.
  • ASPCA Pet Health Insurance: $57.06 per month for a policy with a $3,000 annual payout limit, an 80% reimbursement rate and a $250 deductible.

Richmond pet insurance FAQ

How much is a vet visit in Richmond? The average vet visit in Richmond costs around $50, but this amount varies significantly, depending on the services required and if the visit is an emergency. Emergency visits can cost upwards of $1,000.

What can I do if I can't afford a vet in Richmond? If your budget is tight, seek out low-cost vet care or apply for financing or a personal loan. Your vet may have other options for those struggling to afford treatment. See our list of additional pet owner resources in Richmond below.

Do any pet insurances cover preexisting conditions in Virginia? No, there aren’t any pet insurance policies that cover preexisting conditions.

What are the common preexisting conditions in cats? Cats can have long-term health concerns like allergies, feline immunodeficiency virus, cancer or diabetes. If your cat has any of these conditions before enrolling in an insurance plan, your policy won’t cover it.

Is pet insurance worth it in Virginia? If your pet ever requires expensive medical treatment for an accident or illness, pet insurance can easily repay what you spent for coverage. However, if your pet remains relatively healthy, you may find that you’re paying more for a sense of security than a tangible benefit.

Additional Richmond pet resources

Useful resources for pet owners in Richmond include:

  • Richmond SPCA: This local rescue offers adoption services, training and educational resources to pet owners in the Richmond area. It is located at 2519 Hermitage Road, Richmond, VA 23220.
  • Helping Hands: Helping Hands provides low-cost vet care, including major surgeries and dental work. Find the clinic at 1605 Rhoadmiller St., Richmond, VA 23220.
  • Richmond Animal League: This animal welfare group provides adoption and pet surrender services, plus a spay and neuter clinic. Richmond Animal League is located at 11401 International Drive, Richmond, VA 23236.
  • Prevent A Litter: Prevent A Litter is committed to reducing the number of stray and unwanted animals in Richmond by offering low-cost spay and neuter services. Prevent A Litter is located at 3421 W. Cary St., Richmond, VA 23221.

Richmond pet insurance company information

ASPCA Pet Health Insurance

ASPCA Pet Health Insurance policyholders can choose their favorite Richmond vet, with no network or clinic restrictions. Your plan may feature a reimbursement rate from 70% to 90% and a deductible of $100 to $500. Plans cover accidents, illnesses, congenital conditions, behavioral issues and other common veterinary needs, with an annual payout limit of $3,000 to $10,000. All plans exclude preexisting conditions, preventive care, cosmetic procedures and breeding costs.

ASPCA Pet Health Insurance Learn More

Embrace Pet Insurance

Embrace Pet Insurance provides highly customizable coverage for dogs and cats in Virginia. You can choose a reimbursement rate of 70% to 90%, a deductible of $200 to $1,000 and an annual payout limit between $5,000 and $30,000. Embrace pet policies cover most major veterinary services but exclude preexisting conditions. Annual wellness is also not covered under a comprehensive plan, but you can purchase additional coverage to include annual exams and vaccinations.

Embrace Pet Insurance

FIGO Pet Insurance

FIGO Pet Insurance covers cats and dogs of all ages. Depending on your policy, annual deductibles range from $100 to $750 and reimbursement rates are between 70% and 100%. Yearly payout limits start at $5,000. Coverage options include prescription medications, surgeries, cancer treatments and more. Coverage exclusions include wellness or preventative care, cosmetic procedures, pre-existing conditions and experimental procedures. The company provides 24/7 support through an easy-to-use mobile app.

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Spot Pet Insurance

Spot Pet Insurance offers accident-only coverage and comprehensive plans for dogs and cats older than eight weeks. There’s no maximum age limit for coverage, though. You choose your deductible, annual limit and premium. Coverage options include behavioral issues, dental disease, hereditary and congenital conditions, illnesses, and annual exams. However, preexisting conditions, cosmetic procedures, breeding costs and preventive care are excluded.

Spot Pet Insurance Learn More


Trupanion is a nationwide pet insurance company offering comprehensive coverage for cats and dogs. Unlike other providers, it offers both direct vet payments and reimbursement for qualified conditions. Policies offer up to 90% coverage with unlimited payouts and deductibles ranging from $0 to $1,000. Preexisting conditions, wellness care and exam fees are not covered.


Healthy Paws Pet Insurance

Healthy Paws offers comprehensive pet insurance plans for dogs and cats, including coverage for illnesses, accidents and most other commonly covered conditions. Depending on your policy details, you may get 70% to 80% reimbursement and a deductible of $250 to $500. All policies have unlimited annual and maximum payouts, too. Plans don’t cover routine wellness checks, dental care, behavioral treatments, and other common insurance exclusions. Check Healthy Paws’ website for a complete list of included and excluded conditions.

Healthy Paws Pet Insurance