Best Pet Insurance Companies & Plans in Maryland (2023 Review)

by | 10/31/2022

Purchasing pet insurance in Maryland is an excellent way to help protect your pet. Unfortunately, you can’t predict when an emergency will happen, and pet emergencies are expensive. Therefore, it’s much easier when you have pet insurance in Maryland because you won’t have to pay for all of the medical expenses related to your pet’s illness or injury. 

Pet insurance is also great if you find a reliable pet healthcare clinic that you want to use for all your pet’s needs. The clinic may be more expensive than others, but you don’t have to worry about the cost because you have pet insurance. 

Some of the best pet insurance providers you can choose from in Maryland include:


The Best Pet Insurance Companies & Plans in Maryland

Provider Visit Site Waiting Period Money-back Guarantee Maximum Enroll Age BBB Rating
Spot Site Link 14 days* Yes No age limit A
Lemonade Site Link 14 days for illnesses*, 48 hours for accidents  No 14 years old F
Embrace Site Link 14 days for illnesses*, 48 hours for accidents Yes 14 years old A+
Healthy Paws Site Link 15 days* Yes 14 years old A-
ASPCA Site Link 15 days*  Yes No age limit N/A
Prudent Pet Site Link 5 days for accidents, 14 days for illnesses*  Yes No age limit A+

*Certain conditions, such as cruciate ligaments or orthopedic conditions, may have longer waiting period times, usually six months to a year. This is common among many pet insurance providers, but most illnesses will be covered after the waiting period listed above. 


Pet Insurance Companies in Maryland Reviews

Shopping for insurance isn’t fun. There are so many variables to consider and options to compare. Luckily for you, we’re here to help. This article reviews six of the best options for pet insurance in Maryland. You’ll also find information on what is and isn’t covered and a general idea of what you can expect to spend. 

Spot Pet Insurance

Spot Pet Insurance is a no-obligation policy to safeguard your pet from high-cost and inconvenient veterinary visits. You may adjust the coverage amount to fit your pet’s needs and financial restrictions, as well as customize the policy to match your preferences. Crum & Forster Pet Insurance is the insurance provider for Spot. 

Key features:

  • An annual limit of $2,500
  • Preventive care programs are available at an extra cost
  • No age limit
  • Dog coverage is usually $30-$50 per month, while cats will cost around $18-$25 per month

Spot covers a wide variety of things, including:

  • X-rays
  • Tooth extractions
  • Poison control
  • IV fluids 
  • Cancer treatment
  • Blood tests
  • Accidents
  • Emergency care
  • Surgery
  • Hospitalization

Of course, there are drawbacks. For example, Spot does not cover dental treatments, gland expression, preventative care, vitamins, experimental therapies, cosmetic surgery, and house visits.


  • No upper age limit
  • 30-day money-back guarantee


  • No preventive care options
  • 14-day waiting period
  • Low Annual Limit

ASPCA Pet Insurance

ASPCA pet insurance is a member of the American Society for the Prevention of Cruelty to Animals, contributing to its high standing as a pet insurance provider. It also backs up its coverage and provides a 30-day money-back guarantee. In addition, similar to other pet health insurance providers, ASPCA does not require preliminary tests before enrolling.

Features of ASPCA pet insurance:

  • ASPCA has a user-friendly mobile app that allows pet insurance members to file claims, contact customer care, check their benefits, and pay their premiums using their phones
  • Multi-pet discount
  • Microchipping is covered
  • ASPCA presently offers coverage only for cats and dogs.

List of covered services:

  • Cancer treatments
  • Microchipping
  • Stem cell therapy
  • Prescription foods
  • Supplements for specific conditions
  • Tooth extractions
  • Exams
  • Medical supplies

Like other pet insurance providers, ASPCA does not cover pre-existing conditions, plastic surgery, or breeding expenses. It also offers less coverage for dental issues than others.

Although ASPCA is a fantastic organization, it charges more than other pet insurance companies. The average cost of ASPCA insurance for dogs is $49 per month, while for cats, it’s $29. Please keep in mind that these costs will vary based on your pet’s age and condition, as well as where you live and other circumstances.


  • Microchipping included
  • Multiple pet discount


  • Lower annual limits
  • Higher prices

Lemonade Pet Insurance

Lemonade has a variety of insurance plans to choose from to meet your needs and budget. In addition to pet insurance, Lemonade provides home and renters’ coverage, and you can even bundle them together for a discount. Lemonade pet insurance is now available in 35 states, including Maryland, with additional states coming soon.

Key benefits of Lemonade’s plans include:

  • Rates as little as $10 a month 
  • There’s a simple claims process that doesn’t require a bunch of paperwork 
  • Coverage levels range from $5,000 to $100,000

Lemonade covers a variety of conditions and medical procedures like:

  • MRIs
  • CT scans
  • X-rays
  • Urinalysis
  • Emergency care
  • Surgery
  • Hospitalization
  • Medications

Unfortunately, Lemonade doesn’t cover pre-existing conditions, preventable illnesses, or experimental treatments.

The typical cost of cat insurance is $15 per month, whereas the average cost for a dog is $37 per month. You may also add extra coverage to your policy if you wish. It begins at $10 per month for cats and rises to $15 per month for dogs on preventative plans.


  • Preventative coverage
  • Donates unpaid claims to a nonprofit
  • Easy claims process


  • New to the pet insurance market
  • Limited availability

Embrace Pet Insurance

The Embrace pet insurance program is competitive, and it also offers unique benefits. Embrace has protected over 100,000 pets over the 19 years it has been around. It also has a match program to add $2 to a pet-related charity for each policy acquired. Since 2012, Embrace has worked with American Modern Insurance Group to underwrite its policies.

Key features include:

  • 10%multi-pet discount
  • 5% Armed Forces discount
  • ACH discounts
  • Spay/neuter savings
  • Monthly payment discounts if you pay yearly rather than every month
  • A wellness rewards program called Embrace Wellness Rewards
  • A preventative care policy that reimburses basic veterinary training and grooming costs regularly
  • A Healthy Pet Deductible, which allows you to deduct $50 from your pet’s yearly premium if you don’t file a claim

Embrace covers a fair amount of tests, illness, and issues such as:

  • Diagnostic tests
  • Specialty care
  • Cancer treatments
  • Hospitalization
  • Behavioral therapy
  • Follow-up care
  • Rehabilitation
  • Prosthetic limbs
  • Dental Illness up to $1,000/year 
  • Prescription medications 
  • Breed-specific issues
  • Congenital illness
  • Chronic conditions

Embrace’s exclusions are better than those of other insurance companies. However, Embrace does not cover pregnancy, pre-existing conditions, intentional injuries, cosmetic operations, DNA testing, or stem cell treatment. 

The cost of dog insurance varies from $30 to $40 per month, while cat insurance costs between $15 and $20 a month. Rates will differ based on the pet’s age, gender, and breed. Lastly, Embrace currently covers only cats and dogs.


  • Healthy Pet Deductible
  • Wellness Program


  • Tight pre-existing conditions rules
  • Higher Premiums

Healthy Paws Pet Insurance

Healthy Paws was established in 2009 as a nonprofit organization focused on assisting pet owners with financial obligations for their pets while also aiding animal rescue organizations with sick animals. It operates grant programs that have dispersed over 1.6 million dollars to shelters and rescues.

Healthy Paws has partnered with Aon Corporation, a global insurance broker, and Chubb Group backs its pet insurance plans. 

Key features of Healthy Paws’ plans:

  • 30-day money-back guarantee 
  • Customizable coverage
  • Only covers cats and dogs
  • Does charge a one-time new customer fee of $25
  • Typical cost for dogs is $39 per month and for cats it’s $12 per month

Here is a brief list of what’s included in Healthy Paws plans:

  • Prescription medication
  • X-rays
  • Tooth extractions
  • Stem cell therapy
  • Poison control
  • Cancer treatment
  • Blood tests
  • Surgery
  • Hospitalization

If you want to partner with Healthy Paws, there are still some expenses you would be responsible for. All pre-existing conditions, examination fees, preventative care, behavioral treatment, and non-FDA pet nutrition and supplements are excluded from its plans. 


  • Covers breed-specific conditions
  • Fast claim repayment


  • $25 New member fee
  • No preventive care options

Prudent Pet Insurance

Prudent Pet is an excellent alternative for people who want to pay for unlimited yearly coverage. Prudent Pet has several plan choices with set annual limits, such as its ultimate plan, which provides infinite annual coverage. If your pet requires complex treatment in the event of an accident or illness, an unrestricted plan eliminates the worry of running out of money. It also offers wellness plans covering routine care costs like vet visit expenses and vaccinations.

Key benefits:

  • Unlimited annual coverage
  • Wellness plans
  • Coverage for routine care

Prudent will also cover:

  • Cancer and treatments
  • Bite wounds
  • Broken bones
  • Emergency care
  • Hospitalization
  • Surgery
  • Congenital disabilities
  • Eye, ear, and skin conditions
  • Urinary infections
  • Hereditary conditions
  • Hip dysplasia

Prudent Pet does not cover pre-existing conditions, organ transplants, cosmetic operations, alternative therapies, or prescription food. Also, at this time, the company only covers dogs and cats.

The cost of pet insurance is determined by several factors, such as the breed and age of your dog or cat. The typical cost for a dog is $39, whereas a cat’s expenditure is about $23. A wellness plan for a cat will set you back around $13.95 per month, and that price increases to around $19.95 for a dog. Lastly, Prudent Pet claims to have faster claim processing thanks to its usage of AI technology.


  • Fast claim processing with AI tech
  • Offers a multi-pet discount
  • No age limit for coverage


  • High premiums
  • Big list of exclusions

How Does Pet Insurance Work in Maryland?

According to ASPCA, “Pet insurance can help provide coverage for medical costs that traditional health insurance doesn’t cover as well as those expenses you’re simply unprepared to pay. When it comes to your pet, there’s no predicting when an accident or illness might happen.”

In general, a plan is set up between the owner and the insurer. The details of this agreement — the rules of coverage, exclusions, limitations on dollar amounts for specific procedures — are spelled out in the policy. 

Once the premium is paid and everything is in place, most significant diseases and injuries are covered regardless of age or breed. However, there may be times when veterinary care wasn’t fully compensated for whatever reason, even due to personal reasons such as not having updated the policy. In these instances, the pet owner would have to pay the vet bill and submit a claim to the insurance company for reimbursement.

Many pet insurance companies operate in Maryland, so it’s essential to do your research before deciding which is best for you and your furry friend. Remember, preventive care is key to maintaining your pet’s health, so make sure you’re up-to-date on all vaccinations and screenings!

How to Choose the Best Pet Insurance in Maryland for You

The most important factors you should consider when buying pet insurance are:

  • Your budget
  • The overall health of your pet
  • Where you live 
  • Your age 
  • Your lifestyle 
  • Types of coverage 
  • Deductible: The amount you pay before the insurance company begins to reimburse you. This is usually per incident, not annually.
  • Annual Limit: The maximum amount the insurance company will pay out in a year. Once this limit is reached, the policy stops covering veterinary costs for the rest of the year.
  • Coverage Limit: The maximum amount the insurance company will pay per incident.
  • Exclusions: What the policy does not cover. This can vary from company to company, so reading the fine print before signing up is essential.
  • Reimbursement: How much of the cost of a procedure or medication will be reimbursed to you. This also varies depending on the carrier and your plan. 
  • Preventative Care: Some plans offer free or discounted preventive care, such as routine exams, vaccinations, and spaying/neutering. Others do not cover these services at all.

How Much is Pet Insurance in Maryland?

It is a huge responsibility to be in charge of and look after a pet, and if an unforeseen event happens and your pet is injured or sick, it might be expensive. Pet insurance may assist you with these medical expenditures. When compared to other types of insurance, pet insurance is relatively inexpensive. The cost of your policy depends on a variety of criteria.

  • Insurance company
  • Type of pet
  • Breed of dog
  • Age of dog
  • Geographic location
  • Type and amount of coverage
Provider Sample Monthly Cost For Dogs Sample Monthly Cost For Cats Sample Monthly Wellness Cost
Spot Average $30-$50/month Average $18-$25/month Starting at $9.95
Lemonade Average $37/month  Average $15/month  Cats start at $10

Dogs start at $15

Embrace Average $30-$40/month Average $15-$20/month Start at $18.75/month
Healthy Paws Average $39/month Average $12/month N/A
ASPCA $48.78  $29.16 N/A
Prudent Pet Average $39/month Average $23/month Cats start at $7.95 and dogs at $11.95

Veterinary Costs in Maryland

Caring for your pet is more than just petting him and showering him with love. He also needs veterinary care at times. Veterinary costs in Maryland can vary depending on if it’s for routine wellness checks or emergency medicine. What follows is an example of some fees at a Maryland veterinary service. Remember, these costs are just wellness care and don’t take into account the high cost of surgery or cancer treatment.

Veterinary Service Cost
Physical exam $50
Comprehensive exam $63
In-patient care $40 exam fee (additional for treatment)
Urgent care $75 exam fee (additional for treatment)
Telephone consult $30
Annual vaccinations $45
Rabies shot $20
Puppy shots protocol $200

City/Monthly Cost of Pet Insurance

Here is a list of example prices based on location. The test was conducted using a 4-year-old mixed breed, 55-pound dog. This policy, which is the most preferred, covers 80% of the bill and includes a $250 deductible.

City Monthly Cost
Baltimore $35.68
Annapolis $42.78
Rockville $34.67
Frederick $38.63
Beltsville $38.63

Final Thoughts

When looking for pet insurance, it’s essential to keep the needs of both you and your pet in mind. Additionally, some companies offer more comprehensive plans than others, so reading the fine print before signing up is essential. Generally, most policies do not cover preventive care, so make sure you’re up-to-date on all recommended screenings and vaccinations.

Information for Pet Owners in Maryland

Maryland offers a lot of resources for pet owners. The good news is that there are many pet-friendly places to eat, walk, swim, or sleep in Maryland. Working in Maryland does not necessitate the separation of your pet from home regularly. Some businesses allow pets (mainly dogs) in the office, including The Humane Society and Key Technologies.

Maryland Pet Laws 

In Maryland, there are several pet regulations in place. Some are for particular counties or towns, while others are for the entire state. So whether you’re a resident and pet owner or someone visiting Maryland with your dog, it’s crucial to be aware of the legislation near you. 

Here is a rundown of some of the local pet laws.

  • The Dog Pooper Scooper Law states that if your dog does its job outside the house, you must pick it up and remove it. You may be fined $100 if you do not comply.
  • All dogs and cats must have a license and be vaccinated if they’re at least four months old.
  • The county requires that all dogs and cats older than a year be registered.
  • If your dog or cat is not on your property, the Animal at Large law states that it must be leashed or confined.
  • The Unwanted Contact legislation stipulates that dog owners keep their dogs away from locations where their presence might cause alarm or injury to another person.

Fun Things to Do With Your Pet in MD

One of our primary concerns when traveling with our dogs is where we can go with them and where they will be permitted and accepted. Maryland has a lot of pet-friendly restaurants, walking paths, beaches, and hotels that allow dogs.

  • 2nd Sunday Hikes at Baltimore Humane Society – Bring your dog, your kids, your friends, or just yourself and go for an hour walk around Baltimore Humane Society’s beautiful 365-acre wildlife sanctuary.
  • Ocean City Dog Playground in Ocean City – Small dogs may enjoy the one fenced-in space for big dogs, while big dogs can use the separate area for small ones.
  • Cruised on the Bay by Watermark Annapolis – This pet-friendly cruise allows pets and owners to take a nice cruise together. 
  • Lake Roland Park in Baltimore – This large park offers open fields, plenty of water, and some walking trails.
  • Macky’s Bayside Bar & Grill in Ocean City – This dog-friendly bar and restaurant on the beach, which features American pub grub and beachfront tables, is one of the top places for dog owners to eat.
  • Riptide by the Bay in Baltimore – This seafood place specializes in seafood and crabs, offers live music, and caters to your canine friend.
  • Prime Outlets in Hagerstown – This huge shopping paradise offers more than 100 stores and a very big welcome to dogs.
  • Annapolis Trolley Tours – Imagine touring the entire city and sightseeing with your dog.

Maryland Pet Resources 

Maryland has several organizations and businesses that provide low-cost veterinary services and supplies to pet owners in need.

Frequently Asked Questions About Pet Insurance in Maryland

Is buying pet insurance worth it? 

For most pet owners, pet insurance is absolutely worth it. We never know when our pet could have an unexpected accident or develop an illness, so having a backup plan in place to help pay for your pet’s vet bills is beneficial for most pet parents. Vet bills can quickly add up to hundreds, or even thousands of dollars, which many pet parents don’t have readily available. 

Having pet insurance protects you financially and gives you peace of mind that you won’t have to say no to recommended treatments to benefit your pet’s health and happiness. 

Do pet insurance policies have waiting periods?

Yes, pet insurance policies more than always have waiting periods. between your initial enrollment period and when coverage officially begins for the plan. Across most providers, the standard is around 14 days for accidents and illnesses, but some others, including Lemonade and Embrace, can shorten your waiting period to as low as two days for accidents.

Does pet insurance cover all veterinary expenses? 

No, pet insurance won’t cover all expenses you build up at the vet’s office. However, insurance will typically cover accidents and illnesses that aren’t pre-existing. Some policies will even offer wellness and preventative care add-ons that add additional benefits to your policy, like wellness exams and vaccines. 

Our Methodology

​​Here at 365 Pet Insurance, our research team looks to examine all pet insurance policies and comes up with reviews based on:

  • Coverage
  • Plan options
  • Cost 
  • Reputation
  • Customer service 
  • Species available
  • Wellness benefits 

We’ve created a 5-star rating system to score pet insurance brands based on a 100-point scale. To develop a list of the best pet insurance plans, we looked into plans, rating coverage, claims handling, reimbursements, deductibles, and limitations. 

Each factor is weighted differently based on the following factors:

  • Monthly Pricing (25 points): How each pet insurance company charges for their plans is a crucial part of the decision-making process of the customer. Affordable rates and comprehensive coverage are the defining characteristics of providing the best pet insurance.
  • Coverage (20 points): We scored companies based on the treatments and procedures they cover. Providers offering broader coverage and more unique treatments received more points.  Pet insurance policies are not offered by all companies for older pets. Providers who have an age limit on the pets they cover were deducted points.
  • Plans (15 points): Pet insurance providers offer accident-and-illness plans, accident-only plans, wellness add-ons, and pet preventive care add-ons, so customers can choose the right plan for their pets. We also factored in costs to achieve the most comprehensible review for your pet’s needs.
  • Customization Options (10 points): You can ensure your pet only gets what they need by customizing your policy. A higher score was earned by providers who offered a greater range of annual limits, deductibles, and reimbursement rates.
  • Customer Service (10 points): We scored companies based on their website accessibility and usability, mobile apps, and grating points to companies with the most customer experience options.
  • Industry Reputation (10 points): We assessed each company’s industry reputation by reviewing up-to-date BBB ratings and accreditation information, as well as their years of experience in the industry.
  • Waiting Periods (10 points): Companies with shorter accident and illness waiting periods scored higher than companies with longer waiting periods.

Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.