Pet Insurance in Pennsylvania

Got a Devon Rex in Doylestown, or a Pointer in Pittsburgh? Cover your pet with Lemonade pet insurance in Pennsylvania—the smart choice to keep your fur baby happy and healthy in the Keystone State.

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How much does pet insurance cost in Pennsylvania?

As of 2025, the average estimated cost of Lemonade pet insurance in Pennsylvania ranges from roughly $30 to $34 a month, depending on factors like your pet’s breed and age, exactly where you live, and the coverages you choose.
CityAverage monthly premium*
Allentown$25 to $29
Erie$25 to $29
Philadelphia$25 to $29
Reading City$30 to $34
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What does a Lemonade pet insurance
policy in Pennsylvania cover?

A base Lemonade pet insurance insurance policy in Pennsylvania helps cover the costs of diagnostics, procedures, and medications to treat your cat or dog’s eligible accidents and illnesses. Here are some common types of care that Lemonade pet insurance covers in Pennsylvania:
  • Bloodwork
  • X-rays
  • MRI
  • CT Scan
  • Lab Work
  • Urinalysis
  • Ultrasounds
  • Cancer
  • Emergency Care
  • Surgery
  • Heart Disease
  • Hospitalization
  • Road Accidents
  • Outpatient Care
  • Allergy Medicine
  • Specialty Care
  • Injections
  • Prescription Medications
  • Arthritis Medications
  • Knee, Elbow, and Hip Dysplasia
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What pet insurance plans does
Lemonade offer in Pennsylvania?

Our preventative care packages help cover your pet’s regular trips to the vet.
Wellness examWellness exam

Wellness exam

Annual physical checkup for your pet

VaccinesVaccines

Vaccines

Up to 3 vaccines such as Rabies, DHLPP, and Bordetella

Heartworm testHeartworm test

Heartworm test

Annual screening of heartworm infestation

Fecal or internal parasite testFecal or internal parasite test

Fecal or internal parasite test

Annual parasite evaluation test

Routine dental cleaningRoutine dental cleaning

Routine dental cleaning

Including dental x-rays, anesthesia, polishing, and more

Preventative medicationPreventative medication

Preventative medication

Protection for your pet against fleas, ticks, and heartworm

Pet parents love Lemonade

Customizable coverage, seamless claims, and compassionate customer support —it’s no wonder why hundreds of thousands of pet parents choose Lemonade pet insurance

Is pet insurance worth it in Pennsylvania?

Check out how much dog and cat owners have saved on vet bills with pet insurance.

What additional coverage does
Lemonade offer in Pennsylvania?

You can easily mix and match our add-on coverages to meet your pet’s needs, and your budget.

Visit fees

Helps cover the extra fee vets charge for their time and labor, separate from the actual cost of the treatment.

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Physical therapy

Helps cover things like acupuncture and hydrotherapy related to functionality issues due to an unexpected illness or accident.

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Dental illness

Helps cover the cost of treatments related to eligible dental illness—including crowns, extractions, root canals, dental surgeries, and antibiotics.

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Behavioral conditions

Helps cover the costs of diagnostics, treatments, and therapies related to eligible behavioral conditions—like therapy sessions, prescription medications, and specialized training.

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End-of-life and remembrance

Helps cover the costs related to vet-recommended euthanasia, cremation, or commemorative items—like an urn, framed pictures, digital photo storage, or even a tattoo—even if the pet’s death is not related to an eligible condition.

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How much pet insurance do I need in Pennsylvania?

The right pet insurance balances your monthly premium with what you can afford for unexpected vet bills. Check out the estimated costs of some common vet services
for cats and dogs in Pennsylvania.

Estimated vet services costs for dogs across Pennsylvania

Vet ServiceAllentownEriePhiladelphiaReading city
Spay (over 6 months)$619 (over 50 lbs)/$541 (under 50 lbs)$576 (over 50 lbs)/$503 (under 50 lbs)$635 (over 50 lbs)/$555 (under 50 lbs)$635 (over 50 lbs)/$555 (under 50 lbs)
Neuter (over 6 months)$513$477$526$526
Professional dental cleaning$425$381$441$441
Office visit$75$65$79$79

Estimated vet services costs for cats across Pennsylvania

Vet ServiceAllentownEriePhiladelphiaReading city
Spay (over 6 months)$384$357$394$394
Neuter (over 6 months)$283$263$270$270
Professional dental cleaning$425$381$441$441
Office visit$75$65$79$79

Source: Banfield Pet Hospital

How does pet insurance work in Pennsylvania?

Lemonade harnesses the power of tech to make the process of filing a pet insurance claim—and getting reimbursed—a breeze
Go to the vetGo to the vet

Go to the vet

If your pet gets sick or injured, just visit any state-licensed veterinarian for the diagnostics, procedures, and medications your furry friend may need to recover.

File a claimFile a claim

File a claim

File a claim on the Lemonade app in minutes. You’ll need a pic of the vet invoice and/or a paid receipt, plus a copy of your medical records or notes from that specific vet visit.

Get reimbursedGet reimbursed

Get reimbursed

Get your money back directly into your bank account from Lemonade for eligible claims. Around 50% of Lemonade pet insurance claims are handled instantly.

FAQs

What are the main safety threats to pets in Pennsylvania?

Pennsylvania’s beautiful outdoors can pose some risks for pets, especially during winter. Cold temperatures and snowy conditions can lead to frostbite and hypothermia, so keep your pets bundled up with sweaters and booties. Be cautious of chemical de-icers on sidewalks—they can irritate paws and cause stomach issues if licked. Always rinse your pet’s paws after winter walks to keep them safe.

Another concern is Lyme disease, as Pennsylvania has a high tick population, especially blacklegged ticks. These tiny pests can carry the disease, so check your pet regularly, focusing on areas like ears and between toes. Using preventative tick medications, removing ticks properly and keeping your yard tidy are key to prevention!

What are the best dog parks in Pennsylvania?

Pennsylvania has some fantastic dog parks for you and your pup to enjoy.

  • Allen Township Dog Park in Northampton boasts agility equipment and hiking trails for added adventure.
  • Schuylkill River Dog Park in Philadelphia features K-9 grass to cut down on mess, with areas for both large and small dogs.
  • Lloyd Park in Caln Township has a stream running through the dog meadow for water loving pups.
  • Larry R. Fabrizi Dog Park in Erie offers grassy spaces with plenty of shade for fun and relaxation.

What are the top local pet-based businesses in Pennsylvania?

Pennsylvania is home to some unique pet-focused businesses that will spoil your furry friends.

  • Healthy Pet Products in Pittsburgh specializes in natural, additive-free foods and even features a bakery for doggy treats like donuts and birthday cakes.
  • Eva’s Play Pups in Union Dale boasts a one-of-a-kind boarding experience, offering 66 acres of trails, meadows, and even a swimming pond—perfect for adventurous dogs.
  • Unleashed Pet Photography in Lehigh Valley captures stunning portraits of your pets in natural settings.
  • Dr. Doug in Beaver is a go-to for holisitic pet car, offering acupuncture, herbal medicine, and chiropractic treatments.
  • Pampered Petz in Limerick provides pet visits, walks, and even overnight stays to keep your pets happy and cared for.

Can I use Lemonade pet insurance at any vet in Pennsylvania?

Yes, since we work on a reimbursement basis you can use your Lemonade pet insurance policy at any licensed vet in the U.S., including Pennsylvania.

How can I protect my pet from hawks and other birds of prey in Pennsylvania?

Supervise small pets when outdoors, especially in open areas. Just being near your pet can be a deterrent for birds of prey.

In the event you can not supervise your pet when they’re outside, consider placing them in a hawk protection vest, a protective garment designed to shield small pets from birds of prey, featuring spikes or bright colors to deter attacks. You can find these vests available for purchase on sites like Amazon or Coyote Vest, and pricing can range from around $60 to $100. You can also consider installing sheltered enclosures to keep your furry friend safe.

*Lemonade Insurance analyzed policy rates to calculate average pet premiums as of October, 2024. This analysis is based on Lemonadeu2019s internal data and is meant for illustrative purposes only; quotes may vary depending on individual circumstances

Please note: Lemonade articles and other editorial content are meant for educational purposes only, and should not be relied upon instead of professional legal, insurance or financial advice. The content of these educational articles does not alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. While we regularly review previously published content to ensure it is accurate and up-to-date, there may be instances in which legal conditions or policy details have changed since publication. Any hypothetical examples used in Lemonade editorial content are purely expositional. Hypothetical examples do not alter or bind Lemonade to any application of your insurance policy to the particular facts and circumstances of any actual claim.