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Pet insurance in Pennsylvania
Top-ranked coverage for Keystone critters
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Forbes' #1 pet insurance company for 2023
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Nose-to-tail coverage for Pennsylvania's dogs & cats
Pennsylvania is home to a lot of pet owners. In fact, 61% of Keystone State households contain at least one furry family member. True to our name, ManyPets insures many pets in Pennsylvania.
But taking care of your pet can get fairly pricey in Pennsylvania, which is the 15th-most expensive state for vet care according to ManyPets data. The average ManyPets insurance claim in the Keystone State is $418. By comparison, our average US claim is for $399, and Montana boasts our lowest state average at $238 per claim.
And these are just averages.
Costs can soar with emergency care, specialist treatments, and surgeries. Treating cancer can cost more than $10,000.
Pet insurance can be a lifesaver—literally. If your pet needs expensive treatment for an accident or illness, insurance may be the only tool that allows you to afford vet care.
ManyPets is here to help in Pennsylvania and all around the country. Our insurance plan covers both accidents and illnesses, with no annual or lifetime payout limits.
We even offer an optional Wellness Plan that can reimburse you for routine and preventative care.
Why get pet insurance in Pennsylvania?
Pennsylvania's varied terrain and climate pose unique pet health risks, including tick-borne diseases, blastomycosis in river valleys, and seasonal allergies from diverse flora. Here’s what to look out for:
Seasonal allergies
From springtime pollen to fall mold spores, four-legged Pennsylvanians are susceptible to seasonal sniffles and itching. Keep your pet’s living areas clean, regularly bathe them, and consider using air purifiers.:quality(75)){kind=icon}
Tick-borne diseases
Furry Pennsylvanians are blessed with countless fields, forests, and hiking trails. But open-air adventures expose them to tick-borne illnesses like Lyme disease and Anaplasmosis. Use regular preventive treatments, and check for ticks after outdoor activities.
Blastomycosis
Be wary of the soil-dwelling Blastomyces dermatitidis fungus, which lurks in Western PA. It causes blastomycosis in furry locals, with symptoms like coughing, fever, and weight loss. Avoid damp soil digs and stick to leashed walks.Find the pawfect plan
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Praise from our pack
Don't just take it from us. Read reviews from happy ManyPets pack members!
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Is pet insurance worth it in Pennsylvania?
Without insurance, veterinary care can drain your savings or be unaffordable, especially for acute conditions needing surgery or costly treatments. For example, hip surgeries can cost up to $4,000, knee surgeries up to $5,000, and cancer treatments over $10,000.
Vet costs are rising due to advances in veterinary health care and specialty treatments, leading to better care but higher expenses. Without pet insurance, you may be unable to afford treatments if your pet becomes sick or injured.
Pet insurance can quickly reimburse approved claims, putting money back in your bank account.
And in some critical situations, it may be the only thing that lets you opt for life-saving treatment instead of euthanasia.
Unfortunately, unexpected veterinary costs do pop up, and the last thing you want to worry about is money when your focus should be on helping your pet feel better.
Good pet insurance policies will pay for most treatment options that your veterinarian might recommend. Some insurance companies even offer wellness plans to reimburse you for preventive care! The peace of mind that pet insurance provides is truly priceless.
What does ManyPets insurance cover?
Our insurance policy covers approved claims (up to your selected reimbursement percentage) for the following:
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Exams
Get to the root of the problem fast with your pup’s favorite vet.:quality(75))
Diagnostics
Lab work, x-rays, MRIs, blood work and any other tests your pup needs:quality(75)){kind=icon}
Treatments
Rehabilitation, chiropractic treatment, or even acupuncture, so long as a vet prescribes it.:quality(75))
Digestive illnesses
Get covered for your dog’s tummy or intestinal issues:quality(75))
Broken bones
Accidents happen. We’ve got your pup’s back, even if it’s in a brace.:quality(75))
Cancer treatments
Get covered for (very costly) radiation treatments, surgeries and chemotherapy:quality(75))
Hereditary conditions
It doesn’t matter if your pup got it from his mama or papa - we’ll still cover it if it's not a pre-existing condition.:quality(75))
Congenital conditions
If your dog was born with it and it's not a pre-existing condition, we’ll take care of it.:quality(75))
Prescription meds
If the FDA approved it and a vet prescribed it, we’ve got it covered.:quality(75))
What’s not covered?
Far too often, pet parents must dip into their savings to treat their four-legged friends. Our mission is to prevent that.
However, there are instances when claims won’t qualify for coverage. We want our customers to be fully informed, and we don’t believe in burying important information in the fine print.
Like other pet insurers, ManyPets doesn't cover pre-existing conditions (more on that below). Our insurance policy also won't reimburse for preventative care, though our Wellness Plan will.
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How does ManyPets define pre-existing conditions?
ManyPets defines a pre-existing condition as:
Any condition for which your pet received medical advice, treatment, or showed symptoms in the 18 months before the policy start date or during the waiting period.
While pet insurance companies usually exclude pre-existing conditions, ManyPets will no longer consider a condition pre-existing if your pet has been symptom-free, undiagnosed, and untreated for 18 months (except for hip dysplasia, cruciate ligament conditions, and, in some states, invertebral disc disease).
Claims & reimbursements
How to make pet insurance claims in Pennsylvania
Unlike your pet, you’ve got opposable thumbs and an electronic device. That means you can send us their vet bill in a flash, and we’ll process your claim ASAP. And our customer care team can answer any questions by phone or email.
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1. Pay the vet (any vet)
Take your pet to any licensed vet and pay your bill. (It gets more fun from here.):quality(75)){kind=icon}
2. Submit your claim online
Just upload your vet bill and submit it to us. We’ll take things from there.:quality(75)){kind=icon}
3. Sit back and wait to get paid.
That's it.:quality(75))
Your pets deserve the best—so do you
ManyPets is dedicated to making pet insurance accessible for every pet parent. We provide peace of mind with easy-to-understand policies and swift reimbursements.
We also have the best customer support team in the business. In stark contrast to many other companies, the average customer wait time before speaking to a live customer support professional on the phone is less than 60 seconds! Taking care of an ailing pet is hard enough; we aim to make things easier.
We’re humbled to know our customers agree, giving us a 4.6/5 Trustpilot rating (as of March 2023). And Forbes rated us as the #1 US pet insurance provider for 2023!
Get a quote in 60 seconds
Want more state-specific insurance info?
Policy examples, endorsements, disclosures, and other state-specific must-reads, right this way.
Pet insurance in Pennsylvania FAQs
Do all vets take pet insurance in Pennsylvania?
Pick any licensed vet—no networks! Technically, ManyPets doesn’t work directly with veterinarians, so it's not an issue. Instead, you'll simply submit your claim directly to us, and we’ll reimburse you for any approved claims.
How many pets can I insure at once in Pennsylvania?
At ManyPets, you can sign up each of your pets for their own policies; there is no limit to the number of dogs and cats you can insure.
Bring one, bring all! We are named "ManyPets," after all!
How much is cat insurance in Pennsylvania?
In general, ManyPets kitten insurance starts at just $15 per month, and our adult cat insurance costs an average of $20–$25 per month.
These prices might range higher or lower depending on a number of factors, including the price of veterinary care in your location.
Location is just one factor in pricing. To learn more, read our explainer about how we determine pet insurance costs.
How much is dog insurance in Pennsylvania?
In general, ManyPets puppy insurance starts at just $20 a month, and our adult dog insurance will cost between $30 and $40 per month.
These prices might range higher or lower depending on a number of factors, including the price of veterinary care in your location.
To learn more, read our explainer about how we determine pet insurance costs.
Which breeds are popular in Pennsylvania?
Pennsylvania is the fifth-most populated state in the US, and a whole lot of furry friends live there. Two out of five Pennsylvania residents own at least one dog! With its widely varied assortment of urban enclaves, suburban locales, and sprawling rural landscapes, Pennsylvania is hospitable to dogs and cats of all shapes and sizes. Here are some of our most popular breeds in the Keystone State:
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Learn more about pet insurance
Insights about how pet insurance works—and what exactly terms like "deductibles" mean.
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