Pet insurance in Ohio for dogs & cats
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American Pitbull Terrier
Most popular breed in Ohio
How much does pet insurance cost in Ohio?
It costs an average of $34/mo. for dogs and $18/mo. for cats to protect your pet in Ohio with Fetch Pet Insurance — the most complete coverage. Fetch Pet covers what others charge extra for or don’t cover at all, like dental disease, sick-visit exam fees and behavioral therapy. From backyard BBQs in Columbus to lakeside weekends on Lake Erie, Ohio is a great place to raise a dog or cat. But the state’s humid summers, wet climate and river-valley geography also bring some real health risks your pet can’t avoid just by staying close to home. Fetch Pet reimburses up to 90% of unexpected vet bills so you’re covered wherever life with your pet takes you in the Buckeye State.
Get the most complete coverage for accidents & illnesses in Ohio with Fetch Pet
Fetch Pet protects your pet and your wallet with the most complete coverage. That means we cover more injuries and illnesses than others, ranging from common issues like vomiting and diarrhea to more serious conditions like cancer and IVDD. And because there are no networks, you can see any vet in Ohio — or anywhere else in the U.S. and Canada — including specialists and emergency care. Whether you're in Columbus, Cleveland, Cincinnati or somewhere in between, you’re covered with Fetch Pet.
Included coverage
Accidents
Emergency vet visits
Hospital stays
Cuts & scratches
Swallowed objects
Broken teeth
Broken bones
Bite wounds
Poisoning
Online vet visits
Illnesses
Sick visits
Vomiting & diarrhea
Skin & ear infections
Cancer treatment
Dental & gum disease
Allergies
Arthritis
Cherry eye
Breed-specific issues
Tests
X-Rays & CT scans
Physical therapy
Surgeries
Ultrasounds
Laboratory tests
Acupuncture & chiropractic care
Treatment for aggression & anxiety
Medications
Accidents, Illnesses & Tests
Emergency vet visits
Hospital stays
Cuts & scratches
Swallowed objects
Broken teeth
Broken bones
Bite wounds
Poisoning
Explore Accident & Illness
Optional coverage
Wellness
Accident and Illness pet insurance doesn’t include preventive care coverage. By adding it, you’ll also get money back for the vet visits that help keep your pet healthy, like:
Annual exams
Vaccinations
Spaying/Neutering
Dental cleanings
Heartworm, flea & tick prevention
Explore preventive add-on
Common health risks for pets in Ohio
Ohio’s rivers, lakes and humid summers make for great days outdoors with your dog or cat — whether you’re hiking the waterfalls of Hocking Hills, exploring Cuyahoga Valley National Park or spending an afternoon at one of the many dog-friendly beaches along Lake Erie. But all that fresh air and adventure also comes with a distinct set of regional health risks. Take a look at some of the most common issues for pets in Ohio and how much you’d get reimbursed for treatment with Fetch Pet Insurance.
Take a look at what a 90% reimbursement and a $300 deductible looks like in these examples:
What is Leptospirosis?
Leptospirosis is a bacterial infection spread through water or soil contaminated with the urine of infected animals. Most pets contract the disease when they come into contact with an infected body of water — like a puddle, rainwater or drain.
How Leptospirosis affects pets: Symptoms of Leptospirosis can vary — many pets show no clear signs of disease, or their symptoms are subtle. Common signs include fever, vomiting, lethargy, jaundice, polyuria (increased urination), polydipsia (increased drinking) and loss of appetite. More advanced cases can lead to kidney or liver failure.
Why pets in Ohio are at an increased risk
Leptospirosis is common throughout Ohio, due in part to the state’s wet climate and wildlife population. Dogs are commonly exposed on trails and at parks, including in suburban neighborhoods. The good news is that a vaccine is available for dogs, which is worth considering if you live in Ohio.
Leptospirosis
Fetch pays back: $1,405
Average cost to treat: $1,895
What is heatstroke?
Heatstroke, also known as hyperthermia, is a potentially life-threatening condition that occurs when a pet’s body temperature becomes dangerously high. Pets can’t regulate their body temperatures the way humans do — dogs, for example, rely primarily on panting to cool down.
How heatstroke affects pets: Heatstroke can cause organ damage and, in severe cases, death. It requires immediate emergency care.
Why pets in Ohio are at an increased risk
Ohio’s humid summers make heatstroke a real seasonal risk, especially for flat-faced breeds. Even ordinary summer activities can cause heatstroke in dogs and cats if they’re over-exercised.
Heatstroke
Fetch pays back: $1,388
Average cost to treat: $1,876
What are tick-borne diseases?
Tick-borne diseases are infections spread through the bite of an infected tick. The most common tick-borne diseases in Ohio are Lyme disease, Anaplasmosis and Rocky Mountain Spotted Fever (RMSF).
How tick-borne diseases affect pets: Lyme disease is transmitted by black-legged (deer) ticks and can cause shifting leg lameness, fever, swollen lymph nodes and lethargy. Anaplasmosis is a bacterial infection that is also transmitted by black-legged ticks. While infected pets may never show clinical signs of Anaplasmosis, some common symptoms are fever, decreased appetite and dehydration. Rocky Mountain Spotted Fever is transmitted by American dog ticks and wood ticks. RMSF is one of the most severe and life-threatening tick-borne illnesses, causing fever, rash and potentially fatal organ damage.
Why pets in Ohio are at an increased risk
Ticks have become increasingly more prevalent over the past decade and the chance of encountering a Lyme-infected tick in Ohio is now on par with long-standing high-risk states like Connecticut, according to Ohio State University. Black-legged ticks have now been reported in all 88 Ohio counties, though the highest risk is in forested areas in the eastern and southern regions.
Tick-borne diseases
Fetch pays back: $237
Average cost to treat: $264
Deductible has been met in this example.
What are toxic algal blooms?
Toxic algal blooms happen when cyanobacteria — commonly called blue-green algae — multiply in warm water and release toxins that can sicken or kill people and animals that come into contact with them. Cyanobacteria are found in fresh water, brackish water and salt water.
How toxic algal blooms affect pets: Dogs are especially at risk because they’re more likely to swim in and drink from contaminated water than cats. Ingestion can cause fatal poisoning within hours. If your pet consumes potentially toxic algae, seek immediate vet care.
Why pets in Ohio are at an increased risk
Cyanobacteria are commonly found in Ohio’s lakes, ponds, and rivers — like Lake Erie and the Ohio River — according to the Ohio Department of Health. Algal blooms are common in late summer and pet parents should keep dogs and cats away from any water with visible green scum.
Toxic algal blooms
Fetch pays back: $282
Average cost to treat: $647
What is Histoplasmosis?
Histoplasmosis is an infection caused by a fungus that’s most commonly found in soil containing large amounts of bat or bird feces. People and pets can get the infection by breathing in spores (airborne cells) from the fungus. Cats tend to be more susceptible to infection than dogs.
How Histoplasmosis affects pets: Histoplasmosis may cause lung lesions and can move through the bloodstream causing disease in other organs. Hunting and sporting dogs are at higher risk for infection than other breeds, most likely due to more exposure to contaminated soil. Signs of Histoplasmosis include lethargy, fever, weight loss and lack of appetite. Histoplasmosis is treatable but long-term treatment is typically required.
Why pets in Ohio are at an increased risk
Ohio sits right in the Ohio and Mississippi River valleys, one of the areas in the country where Histoplasmosis shows up most. This puts pets native to Ohio or traveling there at greater risk of infection than other states.
Histoplasmosis
Fetch pays back: $297
Average cost to treat: $330
Deductible has been met in this example.
What is Blastomycosis?
Blastomycosis is a serious fungal infection caused by inhaling spores that typically thrive in sandy soil near bodies of water. Dogs and humans are at risk but it’s less common in cats.
How Blastomycosis affects pets: Signs of Blastomycosis vary depending on which of the pet’s organs are affected. Some dogs will experience eye problems while others may have neurological symptoms or lameness. Lethargy, fever, weight loss and lack of appetite are also common.
Why pets in Ohio are at an increased risk
The Ohio river valley is one of the biggest hotspots for Blastomycosis. Most dogs that get infected live within a quarter-mile of water, according to the Merck Veterinary Manual.
Blastomycosis
Fetch pays back: $227
Average cost to treat: $253
Deductible has been met in this example.
How pet insurance claims & reimbursement work in Ohio
It’s fast and easy to get reimbursed for approved claims with Fetch Pet.
1
You pay the vet first
You pay your pet’s bill in full at the veterinarian’s office during your visit.
2
Submit a claim to get paid back
Upload a picture of your paid invoice and supporting medical records and submit them in the Fetch Pet Insurance app.
3
Get reimbursed — fast
Claims are typically processed in less than 10 days. Once approved and you’ve met your deductible, get paid back up to 90% straight to your bank account when you set up direct deposit.
With Fetch Wellness, you can get coverage for preventive care in Ohio
When you sign your pet up for Fetch Pet, you have the option to add a Wellness plan to your pet insurance, so you’ll also get money back for vaccines, annual checkups, preventive oral care, spaying/neutering and more. With coverage for both unexpected and preventive vet care, your pet (and your wallet) will have total protection.
Get your price
Mel & Sienna
Fetch Members since 2021
Your Ohio pet insurance questions, answered
How much is pet insurance for a dog in Ohio?
Fetch Pet Insurance averages $34/mo. for dog insurance in Ohio. Your price is determined by 3 key factors: your dog’s age, their breed and where you live. When you sign up for Fetch Pet, you’ll select an annual deductible, max annual payout and reimbursement rate so you can customize your price to fit your pet and your budget. Not all providers let you customize your price like this. Fetch Pet is the best pet insurance for puppies at the best price with the most complete coverage.
Does Fetch Pet cover dental disease for pets in Ohio?
Yes, Fetch Pet Insurance has the most complete coverage which includes dental disease for pets in Ohio and throughout the U.S. and Canada. Forbes named Fetch Pet the "Best Pet Insurance for Dental Coverage." Fetch Pet’s complete coverage also includes dental injuries and diseases in every adult tooth, plus gums. Other providers only cover specific teeth or provide no coverage for dental disease. Periodontal disease is the most common disease in dogs and cats, so having full-mouth dental coverage is crucial for giving your pet their longest, healthiest life.
Can I use any veterinarian in Columbus or Cleveland with Fetch Pet Insurance?
Yes, you can use any veterinarian in Columbus, Cleveland and anywhere else in Ohio or throughout the U.S. and Canada with Fetch Pet Insurance. There are no networks, so you have the flexibility to find the best care where and when you need it — including emergency clinics and specialists.
Is pet insurance in Ohio worth it?
Yes, pet insurance in Ohio is worth it. If you live in Ohio, having the most complete coverage for unexpected accidents and illnesses is important — and that's Fetch Pet Insurance. Here's why: Dogs and cats in Ohio are at high risk of heatstroke, tick-borne diseases and Leptospirosis — in addition to other common injuries and sicknesses you can’t see coming. With Fetch Pet, you’ll have the most complete protection for your pet and your wallet.
How does Fetch Pet Insurance compare to other pet insurance in Ohio?
Fetch Pet is the most complete coverage in Ohio, including what others charge extra for or don’t cover — all in one simple plan. Fetch Pet also covers more injuries and illnesses than other providers. Fetch’s complete coverage includes:
- Accidents
- Illnesses
- Full-mouth dental
- Online vet visits
- Breed-specific conditions
- Medications
Does Fetch Pet Insurance offer wellness plans in Ohio?
Yes, Fetch Pet offers wellness plans in Ohio. You can choose between 3 different Fetch Wellness plans to best fit your pet and your budget. When you add Fetch Wellness to your Accident and Illness pet insurance, you’ll also get coverage for the preventive care that keeps your pet healthy, including:
- Annual exams
- Preventive oral care
- Vaccines
- Heartworm, flea and tick prevention
- And more!
