9 Best Pet Insurance Plans in Delaware – 2023 Reviews & Top Picks

If you’re a pet parent, you know how important it is to take care of your pet’s health. However, vet check-ups, examinations, and treatments can be pretty expensive and can lead to financial issues for the pet owner. Because of this, many people decide on pet insurance that will help them cover the costs of treatments, medications, and other health necessities for their beloved pets.

There are a bunch of excellent pet insurance companies in Delaware, which can make it hard for you to decide on a particular plan they offer. Since you want the best for your pet, finding a pet insurance company that’s reliable, within your budget, and offers coverage for the procedures you might need is crucial.

This article will provide you with all the details about the nine best pet insurance plans in Delaware, and hopefully, help you to find the best coverage for your pet!

A Quick Look at Our Favorites in 2023

The 9 Best Pet Insurance Plans in Delaware

1. Spot Pet Insurance – Best Overall

spot logo 22

Spot Pet Insurance is our best overall choice of pet insurance in Delaware this year. This company provides several separate coverages for dogs and cats, and they have no age limits when it comes to your pet. One of the most significant reasons why this pet insurance company is our top pick is that they cover various things such as behavioral modification, microchips, and prescription food, which other pet insurance companies typically don’t.

Spot offers unlimited yearly coverage options, and they give discounts for people with multiple pets. Another excellent thing about this company is that they offer 24/7 customer support, so you can reach them whenever you have questions or problems. The only drawback of Spot pet insurance is that they can take longer to reimburse your claim, typically around 14 days.

  • No age limits
  • Discounts for multiple pets
  • Unlimited yearly coverage options
  • 24/7 customer support
  • Longer waiting period for reimbursement

2. Pumpkin Pet Insurance – Best Value

Pumpkin Pet Insurance

Pumpkin pet insurance is another excellent insurance plan for pets in Delaware. The company has been around for just a few years, but they have proven that they’re really an excellent choice for any pet, especially because they offer various plans. They have no restrictions when it comes to your pet’s age or breed, and they also cover hereditary conditions, which is not that common in other pet insurance companies. Also, Pumpkin pet insurance provides dental coverage free of charge, which is something most other companies don’t.

Their reimbursement rate is also quite high at 90%, making this company an excellent ally for people with pets. The only downside of this pet insurance company is that they take more time to reimburse the money than some of their competitors.

  • No age or breed restrictions
  • Reliable
  • Multiple available plans
  • Hereditary conditions are covered
  • Dental coverage free of charge
  • Excellent reimbursement rate (90%)
  • Longer waiting period for money reimbursement

3. ASPCA Pet Insurance

ASPCA Pet Health Insurance Logo

When looking for a pet insurance company in Delaware, ASPCA pet insurance should definitely be among your top picks. This company is reliable, and it’s one of the most trusted companies in the business, especially since they’ve been around for ages. ASPCA offers excellent coverage plans for dogs, cats, and horses, and it even has accident-only coverage plans. They offer quick reimbursement, typically less than 14 days after you file the claim.

One of the downsides of ASPCA pet insurance is that they don’t cover hereditary problems, and they don’t offer quotes online. Instead, you need to contact the company by phone and get more details about the coverage you’re interested in.

  • Reliable
  • Excellent coverage plans
  • Years of experience
  • Quick reimbursement
  • No online quotes
  • No coverage for hereditary conditions

4. MetLife Pet Insurance

MetLife Pet Insurance Logo

Another excellent option for pet insurance in Delaware is MetLife pet insurance. This company offers free online quotes, and they provide coverage for both cats and dogs. MetLife doesn’t have any breed restrictions, and the only age restriction is that your pet needs to be at least 8 weeks old. Although this company offers various plans, they also provide the ability to customize your own plan according to your needs and budget. They are typically quick at returning your money, and in case of accidents, they will pay you out within 24 hours after the accident occurred.

They cover hereditary conditions which is not the case with all pet insurance companies. However, some people had issues getting their claims approved, and said that the company has poor customer support.

  • Free online quotes
  • No breed restrictions
  • Customizable plans
  • Poor customer service
  • Doesn’t cover pre-existing conditions

5. Trupanion Pet Insurance

Trupanion Pet Insurance Logo

Trupanion pet insurance is another excellent pet insurance option in Delaware that’s truly unique. While most pet insurance plans have an annual deductible, that’s not the case with Trupanion. This company offers precondition deductibles, meaning that if and when you meet the given deductible, the coverage for treatments for a particular condition in your pet will be life-long. With this company, in case of a pet health emergency, you can call their customer support to see if you’ll get pre-approval for a particular procedure.

Trupanion also offers unlimited coverage for all types of pets, and their prices don’t increase as your pet gets older. The downside of this pet insurance company is they take slightly longer to reimburse your money, typically around 12 days.

  • No deductibles
  • Unlimited coverage
  • Excellent customer support
  • Slightly longer reimbursement period

6. Hartville Pet Insurance

Hartville Pet Insurance Logo

Hartvillle pet insurance is another great pet insurance plan in Delaware. This company offers coverage for cats and dogs, and they have no age limits as long as your pet is at least 8 weeks old.  Hartville also offers a 30-day trial period to see if the company works for you or not. However, if you apply for one of their plans, remember to choose wisely because you won’t be able to make any changes until your first plan expires. Hartville pet insurance allows you to choose if you want to make annual or monthly payments, which can help you manage your finances better.

While this company is overall good, some people reported they had issues with getting reimbursement and that it typically took a while to receive the money after a claim was approved.

  • No age limits
  • 30-day trial period
  • Choose between annual or monthly payments
  • Poor reimbursement rate
  • Reimbursement may take time

7. Embrace Pet Insurance

Embrace Pet Insurance

Embrace pet insurance is another company you should check out when looking for the best pet insurance plans in Delaware. This company offers 24/7 customer support and offers several types of coverage you can choose from. If you have Embrace pet insurance, but your pet remains healthy for a year, the company will reduce your deductible, making your overall expenses for the insurance lower. They are typically quick to reimburse the claims and have a good reimbursement rate.

However, their plan options are a lot lower than some of the other companies on the list, which may be disappointing to some pet parents.

  • Free online quotes
  • 24/7 Customer support
  • Quick reimbursement
  • Good reimbursement rate
  • Fewer plan options than other companies

8. Figo Pet Insurance

Figo Pet Insurance Logo

Figo pet insurance offers various policies for different pets, so you shouldn’t have an issue with finding the coverage you need. One of the best things about this pet insurer is that they have a personal app with a 24/7 working chat that allows you to speak with a vet, track your claims, and see the medical history of your pet. They have no restrictions when it comes to your pet’s age, and you can choose the reimbursement amount for your pet’s claims.

The downside to this company is that they have an administrative fee of $15 that you have to pay when you apply for the insurance.

  • Multiple coverage plans
  • Personal app
  • 24/7 support and live vet chat
  • No age restrictions
  • Customized reimbursement amount
  • Administrative fee of $15

9. Wagmo Pet Insurance

Wagmo Pet Insurance Logo

Last but not least, when looking for the best pet insurance plans in Delaware, consider Wagmo pet insurance. This company offers two coverage options, and there’s no age limit for your pet. They have a good reimbursement rate and are typically quick to get the money to your account. However, Wagmo has a lifetime payout limit of $100,000. If you already get that much in reimbursement for your pet, the company won’t provide the money for any future claims.

Since they’re somewhat new on the market, this company offers a lot of discounts, but their insurance plans could use some improvement.

  • No age limits
  • Discounts on offer
  • Quick reimbursement
  • Lifetime payout limit of $100,000
  • Limited plan selection


Buyer’s Guide: How to Choose the Best Pet Insurance Plan in Delaware

What to Look for in Pet Insurance?

When looking for pet insurance for your pet companion, you should consider multiple factors to ensure you’re getting the best deal for your money. One of the most important things is to look for coverage that takes care of the services you think your pet might need, as well as look at the reputation of the company.

Also, you should verify how long it takes for the company to pay out the claim and if they’re reliable or not.

Policy Coverage

Each company offers different policy coverage, so finding the one that suits your needs is essential to ensure you’ll get your money back quickly after you file a claim. The policies typically vary from pet to pet, and there are multiple options to choose from; some companies even offer specialized plans or a mixture of multiple plans they offer to help you get the best deal.

Because of that, before deciding on a particular pet insurance company, ensure to do your research and find a plan that will suit you and your pet.

Customer Service & Reputation

The pet insurance company you choose for your pet will be vital in the case of health emergencies, which is why there needs to be a way to easily contact them with any questions and concerns. Because of this, you should look for a pet insurance company with excellent customer service. Even if you don’t need the services of their customer support, it’s always helpful to know that there’s someone you can reach out to in case of an emergency.

Obviously, the pet insurance company should have a good reputation. There’s no better way to determine if a company is good or not than to hear what other users have to say about it. That said, when you find a pet insurance company you like, try to find as many user experiences as possible to determine if the company is as good as it claims to be.

Claim Repayment

When applying for pet insurance, you should get information about the claim repayment process. Most pet insurance companies reimburse the money after you file a claim for a particular service, but the actual payout time will vary.

If you’re someone who typically needs payments quicker, it’s best to find a company that offers fast repayment after the claim is made. However, if you’re not concerned about the time the company takes to reimburse your costs, you can consider other factors before finding your perfect match.

eyeglasses on top of insurance documents
Image Credit: Mikhail Nilov, Pexels

Price of Policy

Another crucial factor in choosing the best pet insurance policy for your pet is the policy price. The prices vary from company to company and from coverage to coverage. Most of the time, you can choose your annual deductible and the maximum yearly coverage amount.

It’s also common for some companies to offer discounts for multiple pets or lower the price when you get multiple coverages in bulk.

Plan Customization

Some pet insurance companies offer plan customization where you have the ability to choose the services and select the pricing that works best for your needs. This is not the case with all pet insurance companies, but it’s always good to ask if a company you’re interested in offers similar customization.



What If My Insurance Company Is Not Listed in Your Reviews?

There are a variety of great pet insurance options out there, and this list is just a collection of our favorites. If your insurance company is not listed here, that certainly doesn’t mean there’s anything wrong with it. However, be sure to look at some of the above companies, as we feel they’re some of the best in the industry.

Is It Worth Shopping Around for Pet Insurance?

Yes! Different companies offer different plans and different rates, so taking the time to look at each one carefully is certainly worth your time. You may find a company offering an inexpensive plan that covers everything you need, so you can avoid paying more money for coverage you may not necessarily want.

Is It Better to Get Pet Insurance or Put Money Aside?

This depends on your unique needs and situation. Many pet owners opt to put money aside in case of an emergency, and this is fine. That said, you never know what kind of emergency may come up, and your savings may not be enough to cover vet bills. For this reason alone, using a pet insurance company is better peace of mind overall for most pet parents.

woman filling up the digital pet insurance form
Image Credit: Rawpixel.com, Shutterstock


Which Pet Insurance Provider in Delaware Is Best for You?

When choosing the best pet insurance provider in Delaware, it all comes down to your needs and budget. Our top pick and best overall pet insurance company in Delaware is Spot, followed by Pumpkin and ASPCA. Again, these companies might not be the best choice for everyone, so we strongly suggest you compare all the pet insurance companies from our list and find the one that best suits your pet.



If you live in Delaware and have pets you want to insure, Spot Pet Insurance should be at the top of your list. This company is reliable, offers various coverage options, and is typically quick to reimburse your money. If Spot doesn’t work for you, be sure to check out Pumpkin, ASPCA, MetLife, and Trupanion. Each of these companies is a great option, so you won’t make a mistake regardless of your choice.

Featured Image Credit: Andrew S, Unsplash

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