The Best Pet Insurance Companies in Massachusetts
Based on our analysis, the top pet insurance companies in Massachusetts are:
- Spot: Most Customizable Coverage
- Embrace: Our Pick for Savings
- ASPCA Pet Health Insurance: Our Pick for Older Pets
- Fetch: Our Pick for Comprehensive Coverage
- Healthy Paws: Most Affordable Unlimited Coverage
Our Top 6 Pet Insurance Companies in Massachusetts Reviewed
How To Compare the Best Pet Insurance in Massachusetts
Company | Monthly Cost | Star Rating | BBB Rating | Accident Waiting Period | Visit Site |
---|---|---|---|---|---|
$15-$30 | B- | 48 hours | Compare Plans | ||
$34-$75 | A- | 14 days | Compare Plans | ||
$39-$73 | A+ | 2 days | Compare Plans | ||
$18-$44 | N/R | 14 days | Compare Plans | ||
$45-$90 | A+ | up to 15 days | Compare Plans | ||
$24-$54 | A+ | 15 days | Compare Plans |
Company | Monthly Cost | Star Rating | BBB Rating | Accident Waiting Period | Visit Site |
---|---|---|---|---|---|
$15-$30 | B- | 48 hours | Compare Plans | ||
$34-$75 | A- | 14 days | Compare Plans | ||
$39-$73 | A+ | 2 days | Compare Plans | ||
$18-$44 | N/R | 14 days | Compare Plans | ||
$45-$90 | A+ | up to 15 days | Compare Plans | ||
$24-$54 | A+ | 15 days | Compare Plans |
Consider Your Plan Options
Coverage options vary depending on the provider you choose. Consider the coverage you need and compare the plan options and costs offered by multiple pet insurance companies to find the best policy for your pet.
Read The Fine Print
Pet health insurance policies are complex. Always read a policy’s fine print for details about benefits and significant exclusions before enrolling.
You should be aware of any glaring exclusions and how long the waiting periods are for the brands you’re considering.
Customize Your Policy To Fit Your Budget
Coverage options vary by company and specific plans, and most providers allow you to adjust your coverage limit, deductible and reimbursement rate. Customizing these options can help you reach an ideal coverage level and monthly premium within your budget.
When comparing plans, be sure you have similar options selected so you can truly see the price and coverage differences. We recommend starting with an 80% reimbursement rate, a $250 deductible and at least a $10,000 annual limit.
Read Up On Customer Reviews
Read customer reviews on trusted platforms like the Better Business Bureau (BBB) Trustpilot to see if current and past customers are pleased with a pet insurance company’s performance. Compare online ratings to see which options customers seem to like the most.
Consider Pet Laws and Regulations In Massachusetts
Remember that where you live affects the availability and cost of pet insurance, as the laws and regulations that govern insurance providers vary from one area to another. Before choosing a pet insurance company, ensure it provides coverage in your state, and compare monthly premium costs.
How Much Does Pet Insurance Cost in Massachusetts?
Several factors influence the cost of pet insurance, including your pet’s breed, age and location. According to our research of 11 providers, the average cost to insure a dog in Massachusetts is $98 and the average cost to insure a cat is $51.
The table below reflects the average pricing for four different pets in Plymouth, M.A., based on quotes from 11 pet insurance companies.
Pet Details | Average Policy Cost |
---|---|
5-year-old medium mixed-breed male dog | $97.48 |
2-year-old large Golden Retriever female dog | $98.54 |
5-year-old mixed breed male cat | $60.15 |
2-year-old Siamese female cat | $42.21 |
What’s the Cheapest Pet Insurance in Massachusetts?
Based on our quotes, Lemonade is the cheapest pet insurance in Massachusetts. We received the following quotes from the company’s website for pets in Massachusetts:
- 5-year-old medium, mixed-breed dog: $42
- 2-year-old golden retriever: $49
- 5-year-old mixed-breed cat: $22
- 2-year-old Siamese cat: $12
Lemonade also offers two tiers of preventive care add-on plans for an additional monthly cost. The exact cost of your coverage will depend on your pet’s age, breed and location.
Massachusetts Pet Laws
Massachusetts state law requires all dog owners to get a license and renew it every year. The state also requires proof of rabies vaccination for dogs older than six months.
Additional laws in some of Massachusetts’ largest cities include:
Boston Pet Laws
- Pet owners must leash dogs when not on their property.
- You must remove and dispose of your pet’s waste when deposited on a property that is not yours.
- The city does not allow unleashed dogs to roam.
Springfield Pet Laws
- Pet owners must leash dogs when in public.
- The city prohibits animals that create a public nuisance.
- Authorities can fine pet owners $100 per violation if they let unspayed or unneutered pets wander free for six months or longer.
Worcester Pet Laws
- You may not allow your dog to roam free.
- The city may impound dogs deemed a nuisance or dangerous.
- Dog licenses cost $30 for unspayed or unneutered dogs and $25 for dogs that are spayed or neutered. Dog owners aged 70 and older do not have to pay fees.
If a Massachusetts pet owner believes a veterinary professional has violated the standards of professional conduct and wishes to file a complaint, they may submit a signed complaint to the Division of Occupational Licensure’s (DOL) Board of Registration in Veterinary Medicine online or by mail.
Is Pet Insurance Worth It in Massachusetts?
The potential cost savings and added peace of mind can make pet insurance a worthwhile investment for Massachusetts pet owners.
Based on our extensive research, Lemonade’s competitive rates and online tools make it the best overall choice for Massachusetts pet owners. However, depending on your pet’s needs, another company may be better. To find the right pet health insurance provider and policy, we recommend you research and compare at least three different companies.
How We Ranked and Rated Pet Insurance Companies in Massachusetts
We ranked pet insurance providers in Massachusetts based on the key factors that affect policyholders in the state. We analyzed the average age of pets in Massachusetts, state veterinary costs, average monthly premium prices for cats and dogs, and the most reported accidents for pets in the state.
Company rankings reflect affordability, coverage options, available discounts and benefits, and more. We also weighed responses to our survey of 1,000 pet owners with pet insurance nationwide, filtered by Massachusetts residents.
For ratings, we review each pet insurance company based on factors most important to pet parents like you. Our process includes in-depth industry research about each provider, such as comparing coverage options, gathering quotes online to determine pricing, speaking to representatives and reading reviews to assess customer service.
We then score each provider on a 100-point scale and divide the final score by 20 to calculate an overall rating out of 5.0 stars. Here are more details about the factors we consider when reviewing pet insurance providers:
- Pricing (25%): We assess affordable monthly premiums and the availability of multi-pet discounts.
- Plans (15%): We review the range of coverage options including accident, illness and wellness add-ons, with more points for unlimited coverage.
- Treatments (15%): Companies earn more points for covering a breadth of treatments beyond standard or general policies.
- Customization (10%): We score based on flexibility in customizing policies through annual limits, deductibles and reimbursement rates.
- Customer Care (10%): We evaluate website usability, availability of customer service, mobile apps, money-back guarantees and other customer experience factors.
- Reputation (10%): We consider BBB ratings, years in business, and state availability when assessing industry reputation.
- Waiting Periods (10%): Companies earn more points for having a shorter accident, illness and orthopedic waiting period.
- Age Limits (5%): Providers lose points if they have age restrictions excluding coverage for older pets.
We use our rating system to compare each company we review and determine the best pet insurance companies in the industry. To learn more, read our full pet insurance methodology for reviewing and scoring providers.
Additional Pet Insurance Resources
Use the resources below to learn more about pets and pet insurance in Massachusetts.
- Pet Insurance Companies Licensed in Massachusetts
- Massachusetts Animal Laws and Regulations
- Pet Insurance Quotes Finder
- Massachusetts Pet Insurance Information
- Average Pet Insurance Cost by Breed, Age and State
- Veterinary Service Price Estimator