Pet Insurance in Massachusetts

Choosing the right pet insurance company for you and your dog or other pets in Massachusetts can be a frustrating and confusing process. How much coverage will my plan provide? How fast will I be reimbursed? Are there any health issues not covered?

Here at iHeartDogs, we created an easy comparison below of all the major pet insurance brands in Massachusetts and across the US. You can also use the form below to receive a no obligation quote from all the major pet insurance carriers at once, allowing you to compare pricing and coverage:

Best Pet & Dog Insurance in Massachusetts

Let’s take a deep dive into the features and benefits of each of the major pet insurance brands here in Massachusetts and across the USA. Simply scroll to the right to view all the brands:

Pets Best
Lemonade
ManyPets
Trupanion
FIGO
HealthyPaws
Prudent Pet
Embrace
Wagmo
Company
Company
Pets Best
Lemonade
ManyPets
Trupanion
FIGO
HealthyPaws
Prudent Pet
Embrace
Wagmo
Annual Coverage
Annual Coverage
$5,000 or Unlimited
Up To $100,000
Unlimited
Unlimited
$5,000 or Unlimited
Unlimited
$10,000 or Unlimited
$5,000 - $30,000
Unlimited
Multi-pet Discount?
Multi-pet Discount?
Yes
Yes
No
No
Yes
No
Yes
Yes
No
What They Do Best
What They Do Best
Best for plan customization
Great pricing for puppies & kittens
$0 copay option. No fees for paying monthly.
Best for paying claims to veterinarian direct
Short waiting periods
Best for paying claims fast
Best Trustpilot reviews
Best plan for superior benefits
Fast claims. Wellness plan available.
iHeartDogs Customer Rating ⭐⭐⭐⭐⭐
iHeartDogs Customer Rating ⭐⭐⭐⭐⭐
4.3 / 5
4.6 / 5
4.7 / 5
4.5 / 5
4.1 / 5
4.4 / 5
4.5 / 5
4.5 / 5
4.1 / 5
Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)
Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)
Yes
Yes
Yes
No
No
No
No
Yes
Yes
Example Quote for 1 Year Old 30 lb Mixed Breed
Example Quote for 1 Year Old 30 lb Mixed Breed
$35.81 per month
$20.00 per month
$30.00 per month
$68.25 per month
$69.30 per month
$26.25 per month
$73.46 per month
$42.35 per month
$15.00
Reimbursement Amount
Reimbursement Amount
90%, 80%, or 70%
90%, 80%, or 70%
90%, 80%, or 70%
90%
100%, 90%, 80%, or 70%
90%, 80%, 70%, 60%, or 50%
90%, 80%, or 70%
90%, 80%, or 70%
100% or 90%
Annual Deductible
Annual Deductible
$50, $100, $200, $250, $500, or $1,000
$100, $250, or $500
$100, $250, or $500
$0 to $1,000
$100, $250, $500, or $750
$100, $250, $500, $750, or $1,000
$100, $250, $500, or $1,000
$200, $300, $500, $750, or $1,000
$250, $500, or $1,000

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Receive a Free No-Obligation Quote from All the Pet Insurance Carriers At Once
Rather than visiting each insurance carrier’s website, you can use the form below to receive a no obligation quote from all the pet insurance carriers at once, allowing you to easily compare:

Which pet insurance company is best?

Massachusetts Pet Insurance FAQs

What Types Of Pet Insurance Plans Are There?

The pet insurance company determines your coverage options. A comprehensive pet insurance plan covers accidents and illness coverage will be combined with a routine care plan in a comprehensive pet insurance plan. Coverage for accidents and illnesses policies can help with unforeseen expenses for treatment, lab tests, operations, hospitalization, prescription drugs, and emergency care.

Accident-only coverage is available if your pet has an accident, such as a fractured bone, this type of policy will cover certain medical bills. Diagnostic tests, surgeries, X-rays, hospitalization, prescription drugs, and emergency treatment may all be covered. Wellness plans cover wellness checks, flea and heartworm prevention, vaccines, and other basic annual care are all covered under this type of protection. These plans are usually extras.

Which Is The Best Pet Insurance In Massachusetts For You?

Your pets are always at risk of unexpected accidents and diseases, whether you reside near the Cape Cod coast or further west in the Bay State. As a result, it is critical to ensure your four-legged friend with a pet insurance coverage. The right option depends on many factors, such as the type of coverage, breed, age, location, budget, and add-ons. Many brands work well in Massachusetts, with Lemonade, Spot, Embrace, Fetch, Healthy Paws, Prudent Pet, and ASPCA serving as the most popular. 

How Much Is Pet Insurance In Massachusetts?

The typical cost of pet insurance in Massachusetts with ordinary accident and illness coverage is roughly $30–$60 per month for dogs. These prices, however, might change depending on several criteria that go into each premium. Here are some factors that could affect the monthly rates you are quoted: 

Older pets are more prone to medical problems, which is why they cost more to insure than younger pets. However, when you insure your pet at a young age, you might save money on premiums when you renew the coverage year after year. Insuring some dog breeds that are more prone to illnesses might be substantially more expensive than insuring other kinds.

Your zip code may impact the cost of your pet insurance premium. We usually suggest getting a couple of quotes from local providers to evaluate pricing based on your precise location within the state. Although, many companies, including Pumpkin and Embrace, will give you a discount for each additional pet you add to your policy.

Many insurance companies provide flexible customization choices, allowing you to pay only for what you require. Reduced yearly coverage limitations, lower reimbursement rates, and larger deductibles can all help you save money on your insurance. However, larger out-of-pocket payments during a claim may cost you more money in the long term. 

Do Most Vets Accept Pet Insurance?

Pet insurance is classified as a sort of property and casualty insurance and does not fall within the health insurance umbrella. It is, on the other hand, pet health insurance. While it may appear complicated, pet insurance is based on a simple and successful approach. 

You pay the bill at the time of service, submit a claim, and get reimbursed for the cost of the visit — but not for the policy deductible and copay. Unlike with your health insurance, you will not have to worry about remaining in-network. You can see any veterinarian you want under this reimbursement-based arrangement.

Is There A Waiting Period For Pet Insurance?

All pet insurance companies enforce a waiting period to ensure a pet does not have a pre-existing condition. The typical waiting period for accident coverage is three days, but it can be as long as 15 days. Most illness coverage waiting periods are 14 to 15 days; however, they can be up to 30 days with other providers. For other disorders, such as cruciate ligaments or hip dysplasia, there are longer waiting periods ranging from six to 12 months.

Do Any Massachusetts Homeowner Insurance Companies Insure Pit Bull Dogs?

Most insurance companies have a written policy prohibiting them from insuring a property if a dog has a history of biting, attacking, or any other type of aggressive conduct. Furthermore, certain dog breeds are considered high-risk by most corporations, including pit bull breeds. Some insurance companies additionally demand an underwriter’s clearance for canines with a higher-than-average loss history.

Keep in mind that Massachusetts is a strict liability state, which means that the owner is responsible for dog bites unless the victim was trespassing, teasing, torturing, or abusing the dog, or was committing another felony. If a child under the age of seven is bitten, it is assumed that the child is not at fault.

Is Pet Insurance Legal In Massachusetts?

Yes, Massachusetts has extensive documentation on their pet insurance legality. Make sure to check that the insurance you choose works in Massachusetts, though, as not all pet insurance companies support the state. However, there is currently no legislation or regulation prohibiting an insurance provider from imposing breed limitations to receive or renew insurance coverage.

Is It Worth Getting Pet Insurance For Dog In MA?

Pet insurance is always recommended to ensure that your pet receives the essential medical attention or treatments when needed, as well as to avoid paying exorbitant out-of-pocket costs for vet bills. The most prominent causes of growing veterinarian bills for Massachusetts pet owners are accidents and illnesses. 

How Much Is Pet Insurance Every Month In MA?

Veterinarian bills in Massachusetts cost, on average, 11.60 percent higher than the national average, which drives up the costs of pet insurance in the state. The price also changes depending on coverage, add-ons, location, pet breed, and other factors. The average price in Massachusetts ranges from $37 to $44 per month for dogs. However, the prices can go as low as $18 a month and as high as $131 per month. 

What Massachusetts Pet Insurance Is Most Widely Accepted?

The majority of pet insurance providers repay the customer rather than paying the veterinarian directly. As a result, practically all insurance policies will cover you in Massachusetts, though there are few exclusions. Always check with the company before choosing to ensure they cover your state and zip code. 

What Is An Annual Deductible On Pet Insurance?

You must pay an annual deductible before insurance pays any of your pet health care costs. The higher the deductible, the more you will pay to use the plan. Additionally, the buyer’s likelihood of using insurance affects monthly premiums. Some companies have an annual deductible for each pet, akin to health insurance, while others have lifetime deductibles.

An annual deductible means you must pay before the insurance provider covers any annual expenses. A lifetime deductible means you must pay the deductible before the insurance company pays any expenses for the insured’s life. Finally, per incident deductibles mean you must pay the deductible amount for each incidence.

What Could Happen If You Lie About Pre-Existing Conditions For Pet Insurance?

Pet insurance fraud is the intentional filing of a fake claim to defraud, which is a felony. False insurance claims do not have to be paid; even if a fraudulent claim is dismissed, you may be held accountable. Most states have no pet insurance fraud laws. However, some states have pet insurance fraud rules. Pet insurance fraud penalties vary by amount. You must make restitution if the misrepresentation was uncovered after payment. 

A fraud conviction can have unforeseen consequences. Pet insurance fraud convictions may signal dishonesty to employers. Financial institutions and insurance companies may decline your business.

Is Spaying Covered By Pet Insurance In MA?

In most cases, typical pet insurance policies do not cover the costs of neutering and spaying pets. On the other hand, coverage providers typically offer this service as an add-on to their total product and service package. As a result, you should anticipate paying a higher premium for this coverage.

Which Pet Insurance Company Does iHeartDogs.com Recommend?

Our recommendation depends very much on your individual situation. You can compare quotes for your dog’s age and your location here. We can report that Trupanion, HealthyPaws, and Pets Best are very popular with iHeartDogs supporters.

Compare Pet Insurance Companies. Which is best?

What do iHeartDogs Readers Think About Pet Insurance?

Is Pet Insurance Worth It? - We asked [33] Dog Owners and Here's What They Said

Pet insurance is "worth it" if you can afford the cost of the insurance, but could not afford an emergency vet bill. However, the best plan is to only get a pet if you can afford vet care, & to have a special savings account set aside for pet emergency care. - Louise 

Very much worth it. I have Nationwide. It used to be VPI. It doesn’t cover things in full, but it very much helps. More then paid for itself with my first two dogs. Haven’t needed it much with the two I have now but if something happens, I won’t hesitate to get the best treatment I can. It really helps. - Beth

Yes it is worth it. But you need to shop wisely for it. I have care credit that is used when needed. With no excluded treatments because it's up to me! Great rates and options to pay back. Saved my bank account a number of times. - Jennifer

Always worth it with my previous pet dog, Louie (French bulldog) and current pet dog, Lucy (dachshund).
It’s more than paid for itself each time. Unless you can cough up $10,000 for an emergency surgery I suggest you get pet insurance. Healthy Paws I highly recommend!!! - Leo

My vet one time said...my a "Dogs are Expensive" account. Whatever the going rate for pet insurance is...say $100...put that monthly in the "D A E" account. If you are ahead at the end of the year roll that money over....then, if you do need a big sum you have it, and if you don't the $ is in your pocket and not the insurance company's... whatever you decide..good luck! - Peggy

With my last dog no. I paid 17 years and never made a claim. With the two I have now definitely. My JR managed to get a dog toy piece stuck in her intestine - hugh, expensive op so worth it. I don't like the fact that even though my dogs are both young, the premium has gone way up however. 3&2 are not senior dogs. - Kit

Before just checking quotes check with your vet or ones in your area. The one problem with many pet insurances it actually may affect the cost a vet or clinic may charge for a service based on what they may have to pay or what they need to do get paid. For example a base xray charge may be $100 if you pay yourself but say you use insurance A that may cost the clinic so much a year to be a member or requires so much documentation or takes so long for payment may increase the charge to $130-150 .Then if you have a deductible you will be paying more. Your vet will also know which ones are more reliable for your area and for the needs for your breed. - Candi

I would never have a pet without insurance. Way too risky for those sudden and age related injuries/health issues . Everyday check- ups and vaccines are incidental costs compared to many things that can go wrong w ur furry family member ❤️ - Holly

I'm furious that insurance companies have now made owning pets incredibly expensive. Once insurance companies enter into the equation, the price for everything goes "through the roof." I wish these monsters would be regulated and insurance, health care was NON PROFIT!!!!!! - Rhonda

Yes Healthy Paws has been great. My Boston is on constant eye meds for about 6 years and 2 surgeries. I have 80 percent and they pay right away. - Lynda

Worth it if you plan ahead. One of my dogs I adopted and got insurance a year or so later and insurance has denied EVERYTHING…even an ear infection at 10 years old, as a preexisting condition because she had one when she was 3years old. My other dog I got insurance right away (lesson learned!) and it has been a huge benefit because ten years later he had significant medical expenses that were covered at 90% I could not be more thankful to have the insurance - Shannon

Definitely worth every penny! Our Shitz tore her ACL, swallowed my husband’s hearing aid, puts everything in her mouth!!! We have Healthy Paws. Very pleased. Just wish we went with 90% coverage instead of 80%. Get it BEFORE they have an issue!! - Jan

Nope not worth it. I love my babies but, it's like human insurance, Hardly worth getting. More n likely whatever your pet has insurance won't cover it so your still gonna pay out the ying yang. So here we are paying out the ying yang for insurance and still paying high dollar to a vet. - Nancy

Yes. My sweet hound developed allergies. The insurance covers are $73. Apoquel prescription plus everything else that goes wrong. She had a cough with meds the bill was over $400. Very happy we have insurance. - Pamela

Yes! For 10 years I never had to use it. Then my dog got very sick and needed to go to the animal hospital. She was diagnosed with diabetes and cushings disease and the costs for all the medications and testing she undergoes until we get her regulated is exorbitant. With the insurance I’ve been getting most of it back. - Erica

Worth it! Preventative/wellness services usually aren't included with accident/injury plans, but most insurances offer that separately (for more money). Get coverage asap when you get a pet... preexisting conditions are almost never covered and the older a dog gets, the higher the cost gets. I had Nationwide through my previous employer. The plans were supposed to follow my pets for life, after I left the job, but (long story short) the plans were cancelled. So now I'm getting new insurance through ManyPets for a dog who was 9 when I got the Nationwide plan, but is now 13 - with preexisting conditions. For all three of my dogs, it's about $235/month (that's with the optional wellness plans added for each). But if anything happens to any of my "kids", I pay a $250 annual deductible, then ManyPets covers 80% - with no lifetime limit. - Andrea

Yes. It's worth it. You never know what might happen. I see so many go fund me's to help animals when insurance would have covered it. Fyi, Trupanion is slightly more expensive but can pay the Vet directly if the Vet is signed up on their system. I have my 2 dogs and 2 cats covered. - Blythe

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