Best Pet Insurance in Vermont

Choosing the right pet insurance company for you and your dog or other pets in Vermont 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 Vermont 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:


Dog & Cat Insurance In Vermont

Let’s take a deep dive into the features and benefits of each of the major pet insurance brands here in Vermont 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?

Vermont Pet Insurance FAQs

What Is The Average Cost Of Pet Insurance In VT Per Month?

Pet insurance for dogs in Vermont varies from $13 to $98 per month. Therefore, the typical family can expect to pay between $33 and $45 a month to cover their family dog. The cost of a pet insurance policy depends on various variables, principally those unique to your pet. 

In general, dog insurance is more expensive than cat insurance. However, even for the same species, prices might differ significantly depending on your pet’s age and breed. Areas with higher costs for care, such as California, as well as more densely populated areas, tend to have higher rates. Vermont, of course, will not have the same issue. 

Who Has The Cheapest Pet Insurance In Vermont?

Pawp takes the lead in the most affordable pet insurance, with Figo offering a close second. However, most insurance companies offer comparable rates in Vermont, giving you plenty of options. Check out the rates of several companies to find which works best for your pet’s specifics. 


Do Pet Insurance Premiums Go Up With Age In Vermont?

The longer your pet lives, the more likely it is that he or she will develop health problems, some of which may be age-related (or made worse by age), leading to increased veterinary expenses and thus increasing your likelihood of making a claim on pet insurance. As a result, the premiums for your pet tend to rise over time. 

Can You Claim Animal Expenses On VT Taxes?

Tax incentives are only available for working, performance, and service dogs; normal family pets are not eligible. In addition, the price of veterinarian care for animals is not deductible; however, it may be for service animals. Dogs for people with epilepsy and guide dogs for clients with hearing or vision impairments are two examples of service animals. 

This deduction is available for guide dogs who assist people with vision, hearing, mental, or other medical problems. If you assert that a pet provides “emotional support,” you must demonstrate that its primary purpose is medical care or pain relief. Once more, this calls for copious paperwork, including a physician’s certification that your pet is capable of treating a known illness or condition. 

The majority of pet-related deductions benefit animal charities. Donations to shelters are tax deductible, but adoption fees are not. If you foster an animal from a recognized charity, you can write off the costs of food, supplies, transportation, and veterinary care.


Are Monthly Pet Plans Worth It In VT?

The coverage for your pet will pay off the most in the event that the worst-case scenario occurs. For example, if your canine companion develops a serious medical condition or when they are involved in a serious accident that requires extensive surgery, then insurance will be worth the cost. Similar to most insurances, the money spent may seem like a waste until you are in a car accident or have a medical emergency.

People who are willing and able to pay for increased tranquility will gain the greatest benefit from purchasing pet insurance. If you do not plan to put an older pet through significant (and sometimes painful) treatment or surgery to lengthen its life, a policy may not be the best financial decision for you. For many families, a smaller monthly charge is far more affordable than a massive lump sum when something bad happens to their pet. 

It is necessary to compare the total cost of insurance to the anticipated expense of your pet’s medical care to determine whether pet insurance is affordable for your pet. Additionally, you must decide what the insurance plan will cover. The most crucial thing for you to know is what the coverage can accomplish for you and your pet. 

Remember that insurance plans can be wellness, comprehensive, or accident-only. Although an accident or comprehensive plan has more advantages than disadvantages, wellness pet policies are frequently not worth the money. This is because the typical pet only needs one or two trips to the vet, which are frequently not expensive enough to raise your monthly insurance rate. 


Does Pet Insurance In VT Cost More For Certain Breeds?

An insurance provider must provide reliable coverage while reducing company losses. Premiums are based on each policy’s risk. Breed can affect the premium price for several reasons. For example, larger dogs have more hip and cardiac problems leading to higher payouts, while smaller dogs are less at risk for issues. 

If your dog’s breed is prone to emergencies, expect to pay more for coverage. Purebreds generally come from the same bloodline, increasing the risk of inherited diseases or birth defects. In addition, breed affects pet insurance premiums as some canines are riskier and insurance companies still need to make a profit and provide for thousands of animals.

How Does Zip Code In Vermont Affect Pet Insurance?

Due to the fact that pet insurance premiums are partially based on regional veterinary fees, your location, state, and postal code are crucial. Veterinary treatment is probably more expensive in larger cities like Charleston or Columbia than it is in smaller ones. Requesting price quotes from several service suppliers to find the smartest plan.

Is Spaying Covered In VT By Pet Insurance?


Most pet insurance policies do not cover the spaying or neutering of your pet; however, if you pay an additional premium, this service may be covered under supplementary coverage (typically for wellness or preventative care). When looking for pet insurance from multiple companies, some may ask if you have had your pet spayed or neutered and offer discounts for neutered pets.

What Is The Average Annual Deductible For Pet Insurance In VT?

You must first realize that your deductible is the sum you will be required to pay before the insurance provider begins to provide benefits. As a result, if you need to use the plan, you will pay more the larger the deductible. Most companies offer deductibles of $100, $250, $500, $750, and $1,000.

The insurance company’s monthly rates typically reflect the buyer’s likelihood of using the policy. The deductible is one of the conditions that can cause the monthly rates to change. The bigger deductible you select, in general, will usually result in a lower monthly premium for you.

It could cost your pet’s life if you do not know much about this subject. Some businesses may have an annual deductible for each pet, some will have lifetime deductibles, and others will charge the deductible for each occurrence, much like your personal health insurance. If your pet is prone to accidents or is very ill, as you might guess, this may become pretty expensive.


What Is Not Covered By Vermont Pet Insurance?

Insurance will not cover any health issues that developed before the start date of the pet insurance coverage (aka effective date). Therefore, any condition included on your pet’s medical record before purchasing pet insurance will probably be regarded as a pre-existing condition and excluded from coverage. Any claims you submit for that condition will be rejected. 

Next, companies do not cover veterinary treatments and procedures to keep your pet healthy and free from sickness. Spaying and neutering, yearly exams, immunizations, flea and tick prevention, heartworm medicine, teeth, ear cleaning, and microchipping are typically under wellness. However, you can often add wellness coverage for an extra fee with many policies. 

Most pet insurance companies will not pay for dental coverage, spaying or neutering, or cosmetic procedures for animals. However, some companies will offer add-ons that could increase your premiums but offer more coverage for these treatments. 

Additionally, before purchasing any pet insurance plan, make sure you study a sample policy. These ought to be accessible online. To ensure that you understand everything that is excluded, carefully read the list of exclusions. When your pet requires pricey care, you do not want an exclusion to come as a surprise to you.


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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Thanks for reviewing our guide to comparing pet insurance brands. Below you find some additional pet insurance resources from iHeartDogs.com

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