Best Pet Insurance In Massachusetts (2023 Review)

by | 10/31/2022

Massachusetts is known as The Bay State and the Old Colony State due to its old history, beautiful waters, and incredible fish. As residents of Massachusetts are known, Bay Staters have many unique places that they can take their pets to, including beautiful beaches, forests, trails, and much more.  

If you have a pet, it’s crucial that you choose a good pet insurance plan to protect it if it injures itself or develops an illness. So, what is the best pet insurance in Massachusetts? 

 In our article on the best pet insurance in Massachusetts, we’ll cover the following pet insurance providers: 

Top 4 Best Pet Insurance Companies in Massachusetts

Before choosing a pet insurance provider, you must know what each company offers and its strengths and weaknesses. There are many pet insurance companies in Massachusetts, so it can be overwhelming to shop for a pet insurance provider. However, we’ve compiled the following information for you about different pet insurance providers to make an educated decision about them based on various features, such as charitable giving, rates, discounts, coverage, and much more.

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

Spot Pet Insurance

Spot pet insurance is a well-rounded pet insurance company founded in 2019. The insurance is provided by Crum & Forster Pet Insurance Group, a respectable group that has been around since 2006. We like that Spot pet insurance has a generous 10% multi-pet discount, several preventive care packages, an accident-only plan, and behavioral issue coverage.

How Much Does Spot Pet Insurance Cost In Massachusetts?

The average cost for Spot’s dog insurance plan is anywhere between $30 to $50. Its cat insurance plans will usually cost between $18 and $25 per month. Accident-only plans will start at $10 or more. Spot also offers two types of wellness plans, which will cost an additional $9.95 per month for the gold tier and $24.95 per month for the platinum plan. 

What Is Covered?

Spot pet insurance has some of the best coverage in terms of wellness plans and can cover everything from spaying/neutering to routine teeth cleanings, vaccinations, wellness exams, and more. Its comprehensive accident and illness plans also offer extensive coverage for many things, including behavioral issues, emergency care, poison control consultation fees, dental diseases, as well as hereditary and congenital conditions. 

What Is NOT Covered?

Spot pet insurance will not cover pre-existing conditions, breeding costs, exotic animals, and cosmetic procedures, which are standard exclusions for pet insurance providers. Its plans have many customization options, including an unlimited annual limit, three different reimbursement percentage choices, and many annual deductible choices.

Overall, we like that Spot has many pet wellness plan options, great customization options that give you a lot of control over your monthly premium, an emphasis on education, coverage for behavioral issues, and some alternative therapies. We dislike that it doesn’t cover prescription dog food or exotic animals. 


  • Several comprehensive wellness plan options
  • Includes behavioral issue coverage
  • No upper age limit
  • No exam fees


  • No prescription pet food coverage
  • Exotic animals not covered

Learn More: Spot Pet Insurance Review

ASPCA Pet Insurance

ASPCA pet insurance is a partner of the American Society for the Prevention of Cruelty to Animals, giving this insurance provider significant respect. We’ve given ASPCA the “Most Customizable” title because it offers so many personalized choices, including options for reimbursement rates, annual limits, personalized deductibles, and multiple pet insurance plan options.  We like that ASPCA does not require an enrollment exam, which saves pet parents time and hassle before signing their pets up for policies. 

Other benefits of ASPCA pet insurance include its member center apps, where you can submit your claims, track the claim processing, review your policy benefits, contact ASPCA, and pay your bill. It offers a multi-pet discount and a 30-day money-back guarantee, which are significant pluses.

How Much Does ASPCA Pet Insurance Cost In Massachusetts?

You can expect to pay around $49 per month for dogs and $29 per month for cats, which is considered a competitive rate amongst pet insurance providers. We like that ASPCA has many customization options. However, we caution pet parents to consider ASPCA’s poorer customer reviews and low annual coverage limits. 

What Is Covered?

ASPCA offers a comprehensive accident and illness plan which has coverage for dental diseases, behavioral issues, hereditary conditions, and more.

We like that its policies also cover alternative therapies. However, its dental coverage is weaker than other providers with dental care coverage, which is something to consider.

What Is NOT Covered?

ASPCA also doesn’t cover pre-existing conditions, breeding costs, or cosmetic procedures. Like Embrace pet insurance, ASPCA will cover curable pre-existing conditions, which we do like. Another thing to keep in mind is that ASPCA only provides coverage for dogs and cats. 


  • Low deductibles
  • Coverage for microchipping
  • Partner of American Society for the Prevention of Cruelty to Animals
  • Offers multi-pet discount


  • Poor customer reviews
  • Low annual coverage limits

Learn More: ASPCA Pet Insurance Review

Embrace Pet Insurance

Embrace pet insurance offers thorough, comprehensive pet insurance coverage. Its plans include an impressive amount of coverage for conditions like dental problems, hip dysplasia, cancer, and much more. If you’re looking for nose-to-tail coverage, Embrace may be a great choice for you. 

How Much Does Embrace Pet Insurance Cost In Massachusetts?

If you choose Embrace, you can expect to pay between $20 and $100 per month depending on the policy you choose and your pet. Embrace is known for its comprehensive coverage, which can save you money over time if your pet develops a chronic condition or has a significant accident while on the policy. Please keep in mind that at this time, Embrace does not cover exotic animals, only dogs and cats.

What Is Covered?

We like that Embrace provides coverage for medications, prescription pet foods, cancer, preventatives, grooming, and many other things that other providers don’t cover. If you’re looking for a plan to give you extra peace of mind, Embrace is a great choice. 

Embrace will not cover pre-existing conditions unless you can prove that the condition is cured and your pet has remained symptom-free for 12 months. This is a major benefit because most pet insurance companies will not cover any type of pre-existing condition. In addition to this, Embrace has a Healthy Pet Deductible. Its Healthy Pet Deductible lowers your deductible by $50 every year that your pet doesn’t have any claims submitted. This can be a great bonus for pet parents with pets that are overall pretty healthy. 


  • User-friendly mobile app allows you to submit claims and see claim process updates
  • Embrace donates $2 to charity with every policy sold
  • Unique Healthy Pet Deductible reduces your bill over time
  • Comprehensive accident and illness coverage options


  • Rigid pre-existing conditions policy
  • Annual maximums

Learn More: Embrace Pet Insurance Review

Healthy Paws Pet Insurance

Healthy Paws is one of the most affordable pet insurance providers available. We love that it doesn’t have any lifetime benefits and has fast claims processing due to its user-friendly mobile app. We also like that Healthy Paws has a huge focus on charity. It has donated to over 300 nonprofit pet organizations, and each pet insurance quote leads to another donation. It also has fast claims processing due to its mobile app. Healthy Paws claims to reimburse you within 24 hours of claims processing when you make claims through its mobile app. 

How Much Does Healthy Paws Pet Insurance Cost In Massachusetts?

You can expect to pay around $39 per month for dogs and $12 per month for cats. This price point is a great, more affordable option than many pet insurance providers, significantly benefiting pet parents.

We like that Healthy Paws has an affordable accident and illness plan with unlimited benefits and donates to so many nonprofit pet charities. However, we don’t like that it doesn’t offer a wellness plan or accident-only plan option. 

What Is Covered?

Healthy Paws offers one straightforward pet insurance plan which covers both accidents and illnesses. Coverage can include emergency care, chronic conditions, surgery, cancer treatments, hereditary conditions, and more.

What Is NOT Covered?

Like other pet insurance providers, Healthy Paws will not cover pre-existing conditions. It also won’t cover wellness or routine care because this provider doesn’t offer wellness care. So, if you’re looking for wellness care, you’ll need to choose a different provider. Healthy Paws also doesn’t have coverage for exotic animals. 


  • Unlimited lifetime benefits
  • More affordable pet insurance option
  • Donates to over 300 nonprofit pet charities
  • User-friendly mobile app allows you to submit claims easily


  • No multi-pet discount 
  • Does not offer wellness plan options

Learn More: Healthy Paws Pet Insurance Review

How Does Pet Insurance Work in Massachusetts? 

Pet insurance works by reimbursing you for out-of-pocket veterinary bills. Most pet insurance providers allow you to go to any licensed vet, animal hospital, or veterinary center, so you never have to worry about being “in-network,” like human health insurance. Once you’ve visited the vet, you will submit your claim through your provider’s mobile app or online member center. Once it’s approved, your provider will reimburse you based on the agreed-upon percentage in your policy. Pet insurance covers accidents or accidents and illnesses typically. Some providers also offer wellness add-ons, which provide you with coverage for routine veterinary care costs, such as wellness checkups, routine blood work, and vaccinations. 

In short, pet insurance gives you a financial safety net so that you don’t have to worry about the costs of veterinary care if your pet develops an illness or has an accident. 

How to Choose the Best Pet Insurance in Massachusetts for You 

When choosing a Massachusetts pet insurance provider for your pet, there are many factors to consider. To keep it simpler, we recommend beginning by considering what kind of plan you want to enroll your pet in. These are the three primary types of pet insurance plans to consider: 

  • Accident-only coverage: This type of policy will not cover illnesses but cover costs related to accidents. This plan is for bug bites, animal fights, car accidents, and broken bones. These generally have the lowest monthly premiums. 
  • Accident and illness coverage: Accident and illness plans are more comprehensive and offer coverage for accidents and illnesses. On top of accidents, this would include coverage for cancer, diabetes, infections, hypothyroidism, and more. 
  • Wellness plans: Wellness plans are typically an add-on to one of the other pet insurance plan types. These plans will help with the cost of routine veterinary care, such as wellness exams, routine teeth cleanings, vaccinations, and regular blood work. 

Once you’ve considered what kind of plan you’d like for your pet, think about other details and options that matter most to you regarding your pet insurance policy: 

  • Are dental issues covered with the plan?
  • Does the pet insurance plan have a lifetime or annual benefits cap?
  • Can you talk to your provider through your preferred communication method (live chat, email, phone, etc.)?
  • Is your breed of dog or cat more susceptible to certain diseases? Are they covered?
  • What are its exclusions?
  • How is this company with claims?
  • Does the company offer a wellness plan?
  • Does this plan cover prescription diets and medications?
  • What kinds of reviews does this pet insurance provider have from its customers and consumer report websites, such as the Better Business Bureau?
  • Are behavioral treatments or alternative therapies available under this plan?

Consider Massachusetts’ tick prevalence. Ticks can cause diseases like Lyme disease, babesiosis, and anaplasmosis, so a pet insurance policy with coverage for these diseases may be a good choice. 

We recommend choosing a pet insurance provider as quickly as possible because the longer you wait, the more chances your pet will have to develop a pre-existing condition. Pre-existing conditions are not covered by any pet insurance provider, which is why it’s a good idea to get coverage for everything before anything happens to your pet. 

How Much Does Pet Insurance Cost In Massachusetts?

Massachusetts has many pet insurance providers to choose from. Depending on your pet’s breed, age, and even which part of Massachusetts you live in, the cost of your pet insurance monthly premium will vary significantly. The type of coverage you choose and if you add a wellness plan will impact the cost as well. Typically, you can expect to pay around $30 to $60 per month for dog insurance and between $15 and $30 per month for cat insurance.

Provider Sample Monthly Cost For Dogs Sample Monthly Cost For Cats Sample Monthly Wellness Cost 
Spot $40 $22 $9.95 (gold), $24.95 (platinum)
Embrace $35 $18 $35
Healthy Paws $39 $12 Not offered
ASPCA $49 $29 $9.95 (basic), $24.95 (prime)

Monthly Cost for Pet Insurance by City in Massachusetts

When pet insurance was first introduced to the public, many people scoffed at the idea of paying for insurance for their cat or dog with so many other insurance expenses to pay. It didn’t take paying more than one or two bills from the vet for emergency service for the pets for most of them to change their minds. Pet insurance can take a lot of the stress away from having a sick pet. Here are some examples of what premiums might cost in a few different cities in Massachusetts. This is for a policy that pays 80% with a $250 deductible on a mixed-breed, 55-pound, 5-year old male dog.

City Monthly Cost
Boston $43.39
Cambridge $43.39
Plymouth $39.19
Salem $36.73
Northampton $39.43

Massachusetts Veterinary Costs

Even if you’re lucky enough to never have to take your dog to the vet for injuries, illnesses, or some other emergency, you’ll still have to pay for routine care to ensure your dog is as healthy as possible and complies with the law regarding required vaccinations. Here are some average annual costs for veterinary costs in Massachusetts:

  • Office visit – $50
  • Vaccine boosters – $25
  • Fecal exam – $25-$45
  • Heartworm test – $50
  • Heartworm medication – $40

In addition to the routine costs of pet care, pet owners can easily find themselves saddled with hundreds or thousands of dollars in vet bills if the unfortunate happens and the animal becomes seriously ill or injured. Therefore, pet insurance can offer great help paying for many of these extra bills.

Final Thoughts 

Pet insurance is an excellent investment for pet parents looking to protect their pets and finances in the case of an accident or illness. Depending on the type of pet insurance plan, you can even receive coverage for your pet’s routine veterinary care. No matter what kind of plan you choose, you’re making an important investment in your pet’s future healthcare. We at 365 Pet Insurance hope that this piece on the best pet insurance in Massachusetts helps you narrow down your options. Regardless of which pet insurance provider you choose, we recommend that you gather multiple free quotes from several pet insurance providers so that you can weigh your options thoroughly. 

Information for Pet Owners in Massachusetts

Massachusetts is an exciting state to visit and a great place to live. With more and more people taking their pets on vacation with them, it’s important to know about all the best dog-friendly places in Massachusetts. Fortunately, this state has a great number of pet-friendly establishments for sleeping, eating, boarding, and playing. 

Massachusetts Pet Laws 

Massachusetts has a handful of notable pet laws that you should know about, whether you live in Massachusetts or are visiting: 

  • Massachusetts state law requires that pet owners get licenses for their dogs every year. If your dog is 6 months or older, you need a rabies vaccine and license. Without a license, you could be fined. 
  • Your dog must be on a leash when you’re off your property. You can’t let your dog roam your neighborhood or bother the public.
  • Laws require you to remove and dispose of your pet’s waste. This includes being prepared to clean up after your dog when you are out and about. 
  • Massachusetts state law prohibits you from leaving an animal in a cold or hot vehicle. Doing so is considered animal cruelty and will result in legal ramifications. 

Fun Things to Do With Your Pet in MA 

  • Nahant Doggie Beach: This beach is known for being super clean and a great place for pet parents and their dogs. At this beach, dogs are allowed to run and swim as long as they’re on a leash. 
  • Danehy Dog Park in Cambridge: Danehy Dog Park is a fenced-in dog park with separate areas for small and big dogs. It has a graveled area, grassy area, water, and benches. A perfect outdoor paradise! 
  • Jenna’s in Weymouth: This popular restaurant is dog-friendly and specializes in delicious tacos and burgers. It offers outdoor seating for you and your dog. 
  • Peter’s Park in Boston: This huge fenced-in park allows dogs to run around off-leash. This park features benches, graveled areas, and a smaller fenced area for small dogs. 
  • Marshfield Beaches in Marshfield: Another beautiful Massachusetts beach that allows leashed dogs to swim and run around. It also has a nice walking area. 

Massachusetts Pet Resources 

If you or someone in your life is in need, there are a variety of great resources to help pet parents take better care of their pets. These services are either free or provided at a discounted rate. 

  • Alliance for Animals in Boston: The Alliance provides veterinary medical care and spay/neuter assistance to pet parents in need. 
  • The Animal Rescue League of Boston: The Animal Rescue League helps pet parents keep their pets safe and healthy in their homes. They provide veterinary care, adoption, and field services. They also support special police investigations and advocacy for animal cruelty and neglect. 
  • Kane’s Krusade: This charity provides pet family support, including housing support, vet care options, spay/neuter services, advocacy, and training. 
  • Southborough Pet Food Pantry: If you need assistance for cat food, this animal food bank is an excellent option for getting additional pet food. 

Frequently Asked Questions About Pet Insurance in Massachesetts

What is Pet Insurance? 

Pet insurance is health insurance for your pet that reimburses you for part of your pet’s vet bills based on your specific plan’s coverage. Unlike human insurance, pet insurance providers do not pay for your pet’s medical bill at the vet clinic or animal hospital. Instead, your pet insurance provider will reimburse you directly after you’ve submitted your claim. Most pet insurance plans will reimburse you for between 50 to 90% of the total vet bill. This means that you’ll pay out of pocket for your dog or cat’s medical bill at the time of the visit, then submit your claim to your pet insurance provider, which will then reimburse you for the cost up to your plan’s reimbursement rate.

Do all vets take pet insurance in Massachesetts? 

In short, yes. Your pet insurance provider doesn’t work with your vet, so you don’t have to worry about your vet being in-network like a human health insurance plan. Instead, you submit your claim directly to your pet insurance provider, which will reimburse you based on your coverage. This allows you to go to any licensed veterinarian, whether they are at a clinic or animal hospital, to get your pet the care they need. As long as the treatment is covered under your plan, you’ll be covered. 

How do I get reimbursed for a vet bill?

Simply take your cat to any licensed veterinarian and submit your claim. Depending on your provider, you can submit your claim through its mobile app, online member center, or through the mail. Then, you’ll wait for your provider to approve the claim. Once approved, it will reimburse you for the allocated amount in your pet insurance policy through direct deposit or check.

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.