Best Pet Insurance in Massachusetts of 2022


We on the Home Media evaluations group have spent tons of of hours surveying pet house owners, studying tons of of buyer evaluations on third-party web sites and analyzing prime pet insurance firms on aspects akin to buyer care, plan choices and month-to-month pricing to allow you to select one of the best pet insurance coverage in Massachusetts.

Although your pet’s pre-existing situations gained’t be lined by pet insurance coverage suppliers, buying a pet insurance coverage coverage can nonetheless be a fantastic approach to keep away from costly vet payments associated to future incidents or situations that will but occur to the one you love companion.

When we surveyed 1,000 pet dad and mom within the United States to study extra about widespread ache factors of pet possession, we discovered that solely 25% have paid lower than $200 for emergency vet visits for his or her canine and cats, whereas 21% of respondents said that they’ve paid greater than $1,000. Considering these excessive bills, pet insurance coverage might be value its month-to-month premium.


7 Best Pet Insurance Companies in Massachusetts

Here are our prime picks for one of the best pet insurance coverage in Massachusetts:

*Each supplier’s month-to-month price relies on accident and sickness coverage premiums from quotes we obtained for 4-year-old medium-sized combined canine in Boston.


Coverage and Cost: Lemonade provides a single accident and sickness plan. It covers objects akin to diagnostic checks, procedures, most cancers therapies, hospitalizations, damaged bone repairs and prescriptions. The coverage doesn’t cowl pre-existing situations, beauty or elective procedures or behavioral remedy.

Add-ons: Lemonade has a preventive care add-on that foots the invoice for a wellness examination, bloodwork, a heartworm take a look at and three vaccines per 12 months. You may also add particular person vet go to, examination charge and bodily remedy endorsements to your plan for an extra month-to-month charge.

Sample Monthly Premiums: The month-to-month premiums under are from pattern quotes we obtained for an accident and sickness coverage with a $5,000 annual protection restrict, a $250 deductible and an 80% reimbursement price:

Note: Lemonade is at present going through a class-action lawsuit for its alleged assortment of biometric knowledge. After reviewing the swimsuit, we nonetheless advocate it as a dependable and upstanding alternative of supplier based mostly on its affordability, customizable protection and charitable emphasis.

To Learn More: Lemonade Pet Insurance Review

Get a Quote: Enter your tackle and pet’s data into Lemonade’s on-line quote software to get a free custom-made price estimate.



Coverage & Cost: With Spot, you should purchase accident-only protection to obtain reimbursement for emergency incidents like accidents, swallowed objects and poisonous ingestions. You may also buy protection for accidents and sicknesses, together with ailments like gingivitis, hip dysplasia, most cancers, diabetes and extra. Spot doesn’t cowl elective procedures and pre-existing situations that come up earlier than the top of the 14-day ready interval.

Add-Ons: Spot additionally provides preventive care to assist pay for therapies like dental cleanings, wellness exams, fecal checks, vaccinations and extra. The Gold Plan comes with a complete of $250 of annual per-item limits, and the Platinum Plan comes with a complete of $450 annual per-item limits and contains just a few extra procedures, akin to an extra vaccination and spay or neuter surgical procedure.

Sample Monthly Premiums: The following month-to-month premiums are from pattern quotes we obtained for accident-only insurance policies with an annual protection restrict of $2,500, a $250 deductible and an 80% reimbursement price:

Note: Spot’s Accident-Only Plan’s premiums don’t change based mostly in your pet’s age or breed, so it could possibly be your least expensive possibility if you’ve an older pet.

To Learn More: Spot Pet Insurance Review

Get a Quote: Customize your pet’s coverage by getting a quote from Spot on the corporate’s web site.



Coverage & Cost: Embrace’s accident and sickness pet insurance coverage plan covers emergency vet payments associated to accidents, sicknesses and different situations, akin to hip dysplasia, persistent situations, congenital situations and most cancers. It doesn’t cowl boarding, different therapies or any pre-existing situations that come up earlier than or through the ready intervals of two days for accidents and 14 days for sicknesses.

Add-Ons: You can add protection for preventive care to your coverage by buying the elective Wellness Rewards Plan, which reimburses pet house owners for 100% of their payments associated to lined routine care, akin to microchipping, grooming, vaccinations and routine vet visits. You can make a choice from $250, $450 or $650 of annual protection at three totally different month-to-month value factors.

Sample Monthly Premiums: Here are some month-to-month premiums from pattern quotes we obtained on insurance policies in Boston with a $300 annual deductible, a $5,000 annual protection restrict and an 80% reimbursement proportion:

To Learn More: Embrace Pet Insurance Review

Get a Quote: Get a free quote from Embrace by filling out this fast type on-line.



Coverage & Cost: ASPCA Pet Health Insurance provides two plans for reimbursement on vet payments for therapies, procedures, vet visits and different prices. The Accident-Only Coverage plan covers accidents, akin to accidents, damaged bones and chunk wounds. The Complete Coverage plan covers the whole lot within the Accident-Only Coverage plan along with sicknesses, together with behavioral points, most cancers, hereditary situations, congenital situations and extra.

Add-Ons: This supplier doesn’t cowl breeding prices, beauty procedures, pre-existing situations that come up earlier than the top of the 14-day ready interval and preventive care, except you add it on to your coverage. It provides two ranges of routine care protection for issues like wellness exams and vaccinations. The Basic plan comes with a complete of $250 of protection per 12 months, and the Prime plan comes with $450 of protection per 12 months.

Sample Monthly Premiums: Below are some month-to-month premiums from our pattern quotes on Complete Coverage plans for pets in Boston with a $5,000 annual protection restrict, an 80% reimbursement price and a $250 annual deductible:

To Learn More: ASPCA Pet Health Insurance Review

Get a Quote: For a free quote from ASPCA Pet Health Insurance, enter your canine or cat’s data into this straightforward on-line type.



Coverage & Cost:Fetch provides one plan that covers each accidents and sicknesses and sudden vet payments or prices associated to them, together with dental care, behavioral therapies, imaging, rehabilitation, surgical procedure, specialist therapies, prescription medicines, most cancers therapies and extra.

The firm doesn’t cowl beauty procedures, preventive care or pre-existing situations, and it stipulates a 15-day ready interval for accidents and sicknesses.

Add-ons: Similar to Prudent Pet, Fetch provides protection for just a few additional objects, akin to trip cancellation charges associated to your pet’s lined situations, lost-pet promoting and reward cash and boarding charges when you’re hospitalized for greater than 4 days and may’t care for your pet.

Sample Monthly Premiums: Here are some pattern month-to-month premiums from our quotes in Boston on insurance policies with a $250 deductible, a $5,000 annual protection restrict and an 80% reimbursement price:

To Learn More: Fetch by The Dodo Pet Insurance Review

Get a Quote: You can fill out this type for a fast, free quote on a coverage from Fetch.



Coverage & Cost: Healthy Paws provides one plan with limitless annual protection for prices associated to your pet’s accidents and sicknesses, akin to most cancers therapies, diagnostic checks, surgical procedure, hospitalization, emergency care and different therapies. This means you’ll by no means attain a restrict on vet payments that the supplier agrees to pay, and also you’ll owe solely your deductible and copay out of pocket throughout a lined incident. Healthy Paws doesn’t supply any preventive care choices, and it doesn’t cowl elective procedures, examination or vet go to charges, behavioral therapies, spaying or neutering, hip dysplasia inside the first 12 months of the coverage and pre-existing situations that come up earlier than the top of the 15-day ready interval.

Sample Monthly Premiums: Here are some pattern month-to-month premiums on quotes we obtained in Boston for insurance policies with a $250 annual deductible and an 80% reimbursement price when relevant:

*Policies that cowl pets older than 6 years of age include decrease reimbursement charges (50%–70%) and better annual deductibles ($500–$1,000).

To Learn More: Healthy Paws Pet Insurance Review

Get a Quote: Click by Healthy Paws’ on-line quote software for a free quote in your pet’s coverage.



Coverage & Cost: Prudent Pet provides the Accident-Only Plan, which covers as much as $10,000 per 12 months for accidents, akin to chunk wounds, damaged bones and accidents. The Essential Plan extends that accident protection to sicknesses and different situations, akin to most cancers, growths, digestive sicknesses, hereditary situations and extra. Prudent Pet additionally provides the Ultimate Plan with limitless annual protection caps, which suggests there isn’t a annual restrict to how a lot you may be reimbursed. This plan contains the whole lot within the Essential Plan plus $1,000 for behavioral problems, and it reimburses policyholders for lost-pet promoting prices, boarding charges, the substitute price of a pet that’s misplaced or stray, mortality prices that cowl cremation or burial of a pet and trip cancellation charges as a result of a sick pet.

Add-Ons: You may also buy an add-on for examination charges and preventive care with three totally different month-to-month costs and annual protection ranges of $210, $315 and $460. Covered routine care contains vaccinations, fecal exams, wellness exams and extra, and every remedy comes with a per-item restrict.

Sample Monthly Premiums: Here are month-to-month costs from pattern quotes we pulled in Boston for Prudent Pet’s Essential Plan with a $250 deductible and an 80% reimbursement price:

To Learn More: Prudent Pet Insurance Review

Get a Quote: Click by this on-line software to get a quote from Prudent Pet to your animal’s pet insurance coverage coverage.



Which Is the Best Pet Insurance In Massachusetts for You?

Whether you reside in Boston or elsewhere in Massachusetts, contemplate buying a pet insurance coverage coverage from one in all the suppliers reviewed above. Before buying a plan, take into consideration your price range and protection wants.

If you’re searching for a streamlined claims course of and inexpensive protection, Lemonade could possibly be a wonderful alternative. Embrace is one other prime choose for pet dad and mom on a price range. For extremely customizable protection, you might need to contemplate Spot, with its vary of versatile protection caps. Take just a few minutes to match quotes from a number of suppliers earlier than locking right into a coverage.



Types of Pet Insurance Plans

Before buying pet insurance coverage in Massachusetts, familiarize your self with the differing types of plans obtainable:

  • Accident-only plans: Offered by Prudent Pet, ASPCA Pet Health Insurance and Spot, these plans are usually the least expensive pet insurance coverage plans, since they cowl solely emergency incidents, akin to accidents, chunk wounds, swallowed objects and sprains.
  • Accident-and-illness plans: These plans are usually supplied by all pet insurance firms and canopy accidents, sicknesses and different situations, akin to hereditary situations, persistent situations, most cancers and congenital situations. Your pet might be eligible for protection so long as it didn’t present any indicators of those points earlier than your coverage’s official protection begin date. For a complete accident and sickness plan with additional perks, you might need to contemplate Fetch or Prudent Pet
  • Preventative care add-ons: You can add extra preventative care protection to your plan with Lemonade, Embrace, Prudent Pet, ASPCA Pet Health Insurance and Spot. These add-ons cowl routine care as much as a certain quantity established by the insurer, together with therapies and procedures like wellness exams, vaccinations, spay or neutering, microchipping and dental cleanings.

You’ll additionally want to make your mind up how a lot annual protection you would like along with your chosen annual deductible and reimbursement proportion to your pet’s coverage. All of those customizable choices impression your month-to-month premium.

The annual protection restrict is the quantity your supplier agrees to pay throughout one 12 months of protection. The annual deductible is the quantity you owe out of pocket throughout a declare earlier than the insurer reimburses you for the remainder of the invoice. Lastly, the reimbursement proportion — usually 70%, 80% or 90% — is the quantity of your vet payments that your supplier agrees to pay, whilst you pay what’s left.




Methodology: Our system for rating one of the best pet insurance firms

Our overview of pet insurance firms relies on in-depth trade analysis that features studying tons of of buyer evaluations, simulating the quote and buying course of, talking to representatives on the telephone to evaluate the shopper service expertise and surveying 1,000 canine and cat house owners nationwide to find out an important components of pet insurance coverage protection. We have scored every supplier on a 100-point scale based mostly on these components.

Here are extra particulars about every issue and the way they’re weighted:

  • Monthly pricing (25 factors): How a lot every firm fees for its pet insurance coverage is a vital a part of a buyer’s resolution. The finest pet insurance firms mix complete protection and plan choices with inexpensive charges.
  • Plans (15 factors): The prime pet insurance firms supply accident and sickness plans, accident-only plans and wellness or preventive care add-ons to present clients the choice to decide on a plan that’s finest for his or her pet.
  • Covered therapies (15 factors): With this issue, we scored corporations based mostly on the therapies and procedures they cowl. Companies with a breadth of included therapies and distinctive coverages obtained extra factors than suppliers with extra customary or basic insurance policies.
  • Customization choices (10 factors): Customizing your coverage is a beneficial approach to make sure you solely pay for what your pet wants. Providers with extra annual-limit, deductible and reimbursement-rate choices earned the very best scores.
  • Customer care (10 factors): We scored corporations on their web site accessibility and total usability, customer support availability, cellular apps (if any), money-back ensures and veterinarian telehealth choices, awarding factors to the insurers with extra buyer expertise choices.
  • Industry popularity (10 factors): To decide every firm’s trade popularity, we reviewed up-to-date rankings and accreditation data from the Better Business Bureau (BBB) and scored corporations on their years of expertise within the trade and their state availability.
  • Waiting intervals (10 factors): Companies with shorter accident, sickness and orthopedic ready intervals between the sign-up and protection begin date scored larger than corporations with longer ready intervals.
  • Eligible age (5 factors): Some corporations don’t supply insurance policies for pets which can be over a sure age. We deducted factors from suppliers which have age limits for lined pets.

We use our ranking system to match and distinction every firm towards key aspects to assist us decide one of the best pet insurance firms within the trade. Additionally, we maintain our analysis up thus far and revisit our evaluations frequently.