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Pet Insurance in Ohio

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 Golden retriever sitting on a forest trail in autumn, wearing a collar and leash.

Just as Ohio weather keeps us guessing, our pets can be just as unpredictable. Health issues can pop up out of nowhere, and accidents happen regardless of how safe we are. That’s why, whether you're strolling through Cleveland, exploring Columbus, or chilling in Cincinnati, you’ll want to make sure you've got your pet—and your wallet–covered.   

The ASPCA® Pet Health Insurance program offers coverage that extends across the Buckeye State, giving you the assurance that your pet's health can be protected no matter where you are in Ohio, the US, and Canada. 

Visit Any Licensed Veterinarian in Ohio

With an ASPCA® Pet Health Insurance plan, you have the freedom to visit any licensed veterinarian in the state — From Toledo to Parma, you decide where your pet receives top-notch care.

There are currently over 1,520* licensed veterinarians in Ohio. Use our Vet Locator tool to find one that works for you!

The Cost of Pet Care in Ohio

From routine veterinary visits to unexpected emergencies, the cost of veterinary care for cats and dogs in Ohio can add up quickly. The ASPCA® Pet Health Insurance program can help ease the financial burden by reimbursing up to 90% of covered conditions, so you can help ensure that your four-legged friend gets the top-notch veterinary care they deserve anywhere within the Buckeye State.

Ohio Pet Insurance Quotes

Your cost is based on a few different things, including the age and breed of your pet and your zip code, as well as which plan you choose. Below are a few estimates to give you a better idea of what pet insurance might cost in Ohio. 

How Much Does Pet Insurance In Ohio Cost for Dogs?

Species Breed Age Zip Estimated Premium
Dog Australian Shepherd 6 months 43207 Starting at $20.47-$29.10
Dog Goldendoodle 2 years 44223 Starting at $22.58-$32.09
Dog Shih Tzu Mix 5 years 45840 Starting at $16.47-$19.41

How Much Does Pet Insurance In Ohio Cost for Cats?

Species Breed Age Zip Estimated Premium
Cat Domestic Shorthair 1 month 45385 Starting at $9.43-$12.37
Cat Mixed Cat 3 years 44601 Starting at $11.72-$15.38
Cat American Shorthair 6 years 45113 Starting at $11.72-$21.54

**Estimated premium quotes based on a $5,000 annual limit, 80% reimbursement rate, and $250 annual deductible, as of 4/21/24. Plan costs vary based on plan type, pet breed, age, and location. Take a look at a sample policy to see what’s covered.

Fetch your quote faster than you can chant “O-H-I-O!”

Why Get Pet Insurance in Ohio?

Pet parents in Ohio should stay vigilant about the potential risks their furry friends might encounter. Common dangers faced by pets include:

Toxic Plants

Buckeye trees are found just about everywhere throughout the aptly named Buckeye State. Sprouts, leaves, nuts, and even the bark of the tree are known to have caused illness and death in animals, including dogs, cats, and horses. The most poisonous parts of the buckeye tree are the seeds, bark, and fresh sprouts.

Signs of buckeye poisoning are usually evident approximately six to eight hours after consumption and can include intestinal symptoms such as vomiting and diarrhea. Other symptoms to watch for are muscular symptoms, which are usually the most prominent, with muscle spasms and seizures soon after ingestion. In addition, because buckeye poisoning causes an increased potassium level, it can affect your dog’s muscle function, including their heart.

If you believe your dog has eaten any part of a buckeye tree or shrub, take him to the veterinarian or animal hospital right away, even if there are no obvious symptoms yet, or call the animal poison control center immediately.

Sago Palms are low maintenance, decorative, and commonly seen throughout Ohio landscaping, but they're also highly toxic to pets. While all parts of the Sago Palm are poisonous, the seeds/nuts are particularly dangerous.

If your pet gets into a Sago Palm, they may experience symptoms such as vomiting, diarrhea, unsteady gait, seizures, and jaundice in their eyes and skin. They might also get nosebleeds or bleed from the mouth. The symptoms of poisoning related to this plant can appear within fifteen minutes of exposure, or they can take a few hours to show up. In most cases, signs are present within the first 24 hours.

Even if your pet has only chewed on a Sago Palm leaf they discovered on the ground or toyed with the trunk, it could still lead to poisoning. If you suspect your pet has consumed any portion of a Sago Palm, contact your veterinarian immediately or call the ASPCA Animal Poison Control Center at (888) 426-4435.

Poisonous Spiders

Black widow: The female black widow spider is extremely venomous and will typically only bite when provoked. These spiders are small, black, and shiny with an orange or red hourglass mark. Young females are brown with a very light hourglass mark. These spiders enjoy hanging out in dark, warm environments like garages, sheds, or attics.

A black widow’s venom is highly toxic to cats and dogs, leading to symptoms such as cramping, tremors, drooling, vomiting, or paralysis. It can be fatal to pets, so if you suspect your four-legged friend has been bitten by a black widow, seek immediate veterinary care.

Brown recluse: Like the black widow, brown recluse spiders are typically not aggressive unless agitated. In fact, they can be quite shy. Brown recluses are known for their reclusive nature, often hiding in dark, secluded places such as closets, attics, basements, sheds, and woodpiles. They prefer dry environments and can be found in both urban and rural areas. These spiders are typically a pale or reddish-brown color with long legs and a body shaped like a violin.

Symptoms of brown recluse bites may include pain, blistering, swelling, and a bullseye pattern around the bite. Brown recluse bites can also be fatal in pets, so it’s critical you get your pet treatment immediately if you believe they’ve been bitten.


Taking the proper precautions to ensure that all family members, including the four-legged ones, are safe in the event of a tornado strike can make a significant difference. It is crucial not to wait until a tornado has formed to consider what steps to take to keep your pets safe. 

Be patient before going outside after the storm. In the aftermath of a tornado, debris will likely be strewn about, so keep your pet crated or on a leash and avoid hazards like power lines, contaminated water, and sharp materials. Remain patient with your pets and allow them to readjust to changed scents and landmarks.  

Remember, accidents can happen unexpectedly, but having pet insurance can provide peace of mind and help cover unexpected medical expenses. By keeping a close eye on your pets and taking precautions, you can help them live happier, healthier, longer lives.  

From Toledo to Athens and everywhere in between, help ensure your pet's health is protected across the state of Ohio with the ASPCA® Pet Health Insurance program. Get a free pet insurance quote today.

Ohio’s VIPs (Very Important Pups)

From former service dogs supporting college students on campus to mascots in canine cheering on teams, there are a handful of VIPs (Very Important Pups) who stand out in the Buckeye state.

    Chomps, Cleveland Browns

    Meet Chomps (short for Chomps Swagger Jr.), the official mascot of Cleveland’s NFL team, the Browns. This 6’1” fuzzy friend is the embodiment of team spirit, spreading happiness among football fans of multiple generations. It’s said that Chomps is a labrador, a breed well-known for their affectionate, outgoing, and playful demeanor. True to the breed, Chomps has the look of an energetic, fun-loving puppy, always mingling with the fans, taking pictures, and giving high fives.

    Moondog, Cleveland Cavaliers

    Moondog is one of two official mascots of the NBA’s Cleveland Cavaliers. Representing the team with enthusiasm and energy, this large canine mascot is all about being creative, playful, and enthusiastic, bringing true Cleveland vibes to every game. Whether it’s in his half-court shots, gravity-defying dunks, or tender interactions with fans and opposing players, Moondog has a unique and authentic connection with the team he roots for and the city itself, capturing the essence of Cleveland's rich history and passionate community.

    Ivy and Newton Crawford, Miami University

    The canines outlined above may be entertaining characters representing their sports team or college, but no one can match the heart and soul of a real, live pup.

    Meet Ivy and Newton, the First Dogs of Miami University, belonging to Miami University’s President Greg Crawford and his wife, University Ambassador and Adjunct Professor of Physics, Renate Crawford.

    Ivy, a former service dog in training, may have "flunked out" of service dog school, but her impact on campus is anything but insignificant. Younger brother Newton, named after the illustrious Sir Isaac Newton, is a trained and registered therapy dog whose mere presence seems to melt away stress and bring smiles to faces. These golden retrievers are not just mascots; they are instrumental in promoting mental wellness and creating a positive atmosphere on campus.

    Miami University takes dog therapy seriously, with a robust program that trains dogs like Newton to provide emotional support and companionship to students. Paws For A Cause is a student organization working to advance service dogs in training and future guide dogs, as well as raise awareness about the distinctions between service dogs, service dogs in training, and future guide dogs.  

    As the sidekicks of Miami U’s top leaders, Ivy and Newton happily attend open houses, orientations, sports games, and other on-campus events. They’re here to bring smiles, receive chin scratches and belly rubs, and offer unwavering support to students who are feeling homesick, stressed, or in need of some puppy love. Their presence also allows the President and Ambassador Crawford to make meaningful connections with students they might not otherwise have the opportunity to engage with, strengthening the sense of community and belonging at Miami University. 

    As they amble through campus, tails wagging and eyes gleaming with affection, Ivy and Newton create an atmosphere of inclusivity and camaraderie that defines the Miami University experience. Their presence isn't just felt; it's celebrated, making every day a little brighter and every interaction a little warmer.  

    In Ohio, these Very Important Pups (VIPs) aren't just mascots or pets; they're integral members of their communities, bringing joy, comfort, and a sense of unity to everyone they encounter. From Chomps and Moondog, the spirited mascots of Cleveland's NFL and NBA teams, to Ivy and Newton, the adorable First Dogs of Miami University, each pup plays a unique role in fostering connections, spreading positivity, and making every day a little brighter. 

    *Number of veterinarians in Ohio is based on internal data as of 4/21/24.

    The information presented in this article is for educational and informational purposes only and does not constitute or substitute for the advice of your veterinarian.

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