Massachusetts Pet Insurance

​As much fun as it can be to own a pet, not as many households’ own pets in Massachusetts when compared to other states. This state ranks among the lowest states in terms of pet-owning households with only about 49% of the households in Massachusetts owned pets as of 2016. Interestingly, more households in Massachusetts owned cats than dogs. Despite the lower number of pet-owning households, Massachusetts is still an exciting state to visit with your pet.

Pet Laws in Massachusetts

Massachusetts has very specific pet laws particularly where dogs are concerned, and these apply to owners as well as visitors. Information regarding laws other than those posted below can be found on the Massachusetts government web page.

  • A dog may not be tethered or chained for more than five hours in a 24-hour period.
  • A dog may not be chained or tethered or left unattended outside during the hours of 10 p.m. and 6 a.m.
  • A pet owner may not leave the animal confined in a vehicle in hot or cold weather.
  • Dogs may not be off leash any time they are off of their owner’s property. Leash laws vary from city to city.
  • All dogs at least 6 months old must be licensed and show proof of rabies vaccination.

Pet-Friendly Massachusetts

Massachusetts is not only a great place to live but is also an exciting state to visit. Today more and more families are choosing to take their dogs with them on vacation. Luckily for the many dogs coming to Massachusetts, this state is filled with pet-friendly establishments for playing, boarding, eating and sleeping.

  • Nahant Doggie Beach in Nahant – This super clean beach allows dogs to run and swim as long as they’re on leash. It’s a very friendly area.
  • Peter’s Park in Boston – This 13,000-square foot fenced-in park lets logs run off leash. They have benching, graveled areas and a smaller fenced in area for small dogs.
  • Stodder’s Neck in Weymouth – This dog-friendly place is surrounded by water on three sides, offers hiking trails, woods to explore and even a pooping bag station.
  • Marshfield Beaches in Marshfield – This beautiful beach allows leashed dogs to swim and frolic in the water. It also offers an excellent walking area.
  • Danehy Dog Park in Cambridge – This fenced-in dog park has separate areas for small and large dogs and offers a graveled area as well as grassy areas, water and benches.
  • Weymouth Airbnb Rentals – This place offers a variety of pet-friendly hotel, motels, igloos, B and Bs or whatever type of place you want to stay with your dog.
  • Jenna’s in Weymouth – This pet-friendly restaurants specializes in burgers and tacos and offers outdoor seating for your dog.

Massachusetts Veterinary Costs

Even if you’re lucky enough to never have to take your dog to the vet for injuries, illness of 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. Pet insurance can offer great help with paying for many of these extra bills.

Monthly Cost for Pet Insurance by City

When pet insurance was first introduced to the public, many people scoffed at the idea of paying for insurance for their cat or do 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 $36.73
Plymouth $39.19
Salem $36.73
Northampton $39.43

Low-Income Pet Help in Massachusetts

Massachusetts has several organizations that help pet owners take better care of their pets. Some of them offer free service while others offer affordable and low-cost services, such as wellness checks, pet food, and spay/neuter assistance.

Alliance for Animals in Boston – offers veterinary medical care and spay/neuter assistance

Angell Memorial Animal Hospital in Boston – offers veterinary care assistance

Fairy Dog Parents in Duxbury – offers assistance with medical needs, pet food and general wellness checks for dogs

Animal Rescue League of Boston – offers veterinary assistance for pet owners on government assistance (statewide)

Phinney’s Friends MSPCA – offers veterinary care assistant to ill, senior or disabled pet owners

Kane’s Krusade in East Longmeadow – offers veterinary care, pet food and dog equipment/housing

Southborough Pet food Pantry in Southborough – offers pet food

The Sampson Fund in Cape Cod – offers funds to help with companion animals

Tufts Cummings School of Veterinary Medicine – offer spay/neuter assistance