Compare the top pet insurance companies in Vermont with our in-depth coverage guide. Read on to learn about available plans, coverage costs and more.
The Best Pet Insurance Companies in Vermont (2024)
Updated:
Apr 1, 2024
Edited by
Ryan Lasker
Ryan Lasker
Reviewed by
Angela Beal, DVM
Angela Beal, DVM
The MarketWatch Guides team conducted extensive research to determine the best pet insurance companies in Vermont and chose Spot and Embrace as our top picks. We weighed offerings from multiple providers by comparing costs, coverage options and several other factors to determine the best companies for Green Mountain State pet owners.
Did You Know?
5,534 pet owners requested and received a free no-obligation quote from one of the above companies in the last 30 days.
Our Rankings of Pet Insurance Providers in Vermont
- Spot: Our top pick
- Embrace: Our pick for savings
- Healthy Paws: Most affordable unlimited coverage
What’s the Best Pet Insurance in Vermont?
We chose Spot as the top pet insurance company in Vermont after a thorough analysis of the policies available in the state.
Spot Pet Insurance
Most Customizable Coverage
Annual Limits $2.5k-Unlimited
Deductibles $100-$1k
Reimbursement Rates 70%-90%
MONTHLY COST
$30-$67
Embrace
Our Pick for Savings
Annual Limits $5k-$30k
Deductibles $200-$1k
Reimbursement Rates 70%-90%
MONTHLY COST
$34-$67
Healthy Paws
Most Affordable Unlimited Coverage
Annual Limits Unlimited
Deductibles $250-$1k
Reimbursement Rates 50%-80%
MONTHLY COST
$20-$51
Compare the Top Pet Insurance Providers in Vermont
When shopping for pet insurance, comparing multiple providers can help you find the appropriate coverage for your pet’s needs and a premium that fits your budget. Check out and compare the top pet insurance plans available to Vermont pet owners using our comparison table.
How Much Does Pet Insurance Cost in Vermont?
Based on the sample quotes we received, the average cost of a pet insurance policy in Vermont is $58 a month for dogs and $27 for cats.
Pet insurance costs depend on several factors, including your chosen level of coverage, geographic location, and pet’s species, age and breed. We aggregated our cost data based on quotes we requested from 10 providers in Vermont for four representative pets:
- A 5-year-old medium, mixed-breed dog
- A 2-year-old golden retriever
- A 5-year-old mixed-breed cat
- A 2-year-old Siamese cat
Here’s an overview of pet insurance costs in Vermont, broken down by company and species.
| Provider | Dog Insurance | Cat Insurance |
| Spot | $67 | $30 |
| Embrace | $67 | $34 |
| Healthy Paws | $51 | $20 |
| Fetch | $37 | $24 |
| Figo | $47 | $22 |
| Pets Best | $53 | $25 |
| Paw Protect | $68 | $35 |
| ASPCA Pet Health Insurance | $40 | $16 |
| ManyPets | $18 | $9 |
| Trupanion | $131 | $56 |
What’s the Cheapest Pet Insurance in Vermont?
Based on our data, the cheapest pet insurance in Vermont is ManyPets. Providing pet insurance in the U.S. since 2021, ManyPets has less industry experience than many providers we’ve reviewed. However, the company generally receives positive reviews on platforms such as Trustpilot.
While cost is an important factor when buying pet insurance, it is not the only aspect to consider. We recommend requesting quotes from at least three providers and comparing the value of the coverage offered and the monthly price.
How To Choose the Best Pet Insurance in Vermont
To help you shop for pet insurance, we’ve compiled a list of what to look for as you request quotes and read through policies. Note that pet insurance availability varies by state, so ensure a provider offers coverage in Vermont before signing up.
Determine the Right Plan
There are two types of pet insurance plans: accident and illness and accident-only. Accident-only plans tend to be cheaper but only cover issues such as fractures, lacerations and eye trauma. If you also want coverage for illnesses that develop over time, look for providers that offer accident and illness plans. Many providers also offer wellness plans to cover routine care expenses, such as annual vet visits, up to a certain annual amount.
Check the Fine Print
Reading a sample policy — including the fine print — before deciding on a provider can help you better understand coverage limits, exclusions and waiting periods. You can also find out more about a company’s claims process. You can also get an idea of how a company interacts with its customers, including claims processing, by reading reviews on platforms such as Trustpilot and the Better Business Bureau (BBB).
Customizable Coverage
Customizable coverage — which means you can choose your deductible, annual limit and reimbursement rate — enables you to create a plan that strikes a balance between coverage and cost. However, keep in mind that higher reimbursement rates, higher annual limits and lower deductibles correlate with increased monthly premiums.
Consider Vermont-Related Risks
Vermont offers outdoor activities such as hiking, an activity residents can enjoy with their pets. However, hiking can put your furry friend at risk of an orthopedic injury. If you enjoy hitting the trails with your pet, consider a plan that does not have an extended waiting period for orthopedic conditions. Otherwise, you may have to wait six to 12 months for coverage if your pet hurts its knee outdoors. For example, Spot has a relatively short 14-day waiting period for all conditions.
Vermont also has several natural water sources that water-loving pets may find appealing. However, pets that swim in or drink from these sources can be exposed to conditions such as giardiasis and leptospirosis. Having a pet insurance policy can offer coverage if your pet experiences a water-related infection.
What Are the Pet Laws in Vermont?
In Vermont, owners must vaccinate their dogs and cats against rabies according to the medical manufacturer’s recommendations. Cities in Vermont also enact individual pet laws, a few of which we’ve included with examples below.
Burlington Pet Laws
- The city considers a dog a nuisance if it barks, whines, howls or cries excessively or continuously.
- Owners must keep dogs on a leash unless on their property or in a designated off-leash area managed and regulated by the Board of Parks and Recreation Commission.
- Residents can only own a total of four cats and dogs.
Essex Pet Laws
- Pet owners are responsible for removing their pet’s waste from public areas.
- Owners cannot leave pets in an unattended vehicle.
Colchester Pet Laws
- Owners must keep dogs on a six-foot leash when walking on Colchester recreation paths.
- Female dogs in heat must be kept in a secured enclosure unless under direct control by an owner.
- A dog is considered any canine species, which includes wolf hybrids.
Is Pet Insurance Worth It in Vermont?
If your pet experiences an unexpected accident or illness, veterinary bills can quickly add up, but investing in pet insurance can help offset some costs in an emergency. Having a pet insurance policy can help offset veterinary bills if your pet needs emergency or illness-related care, making it possible to afford more of the diagnostics and treatments recommended by your veterinarian.
We recommend Spot, Embrace and Healthy Paws for pet owners in Vermont, based on our comprehensive review, but encourage you to do your own research to find a plan that best fits your pet’s needs.
Frequently Asked Questions About Pet Insurance in Vermont
Generally yes, accident and illness plans should cover Lyme disease treatment. Vermont regularly has the highest rate of Lyme disease in the U.S., according to the Centers for Disease Control. If an infected tick bites your dog, it can experience issues such as lethargy, fever, swollen lymph nodes, joint pain and kidney disease.
Vermont typically experiences cold winters, including heavy snowfall, which can put your pet at risk for cold-related conditions such as hypothermia and frostbite. Having a pet insurance policy can offer coverage for weather-related injuries and emergencies if your pet requires care.
Vermont pet insurance companies commonly have waiting periods of varying lengths. Waiting periods in Vermont are commonly between one and two days for accidents, 14 and 15 days for illnesses, and six and 12 months for orthopedic conditions. However, some companies may waive extended waiting periods for orthopedic conditions if a veterinarian examines your pet and clears it.
How We Ranked the Best Pet Insurance Providers in Vermont
To determine the best insurance companies in Vermont, we looked at factors such as availability, premium costs, coverage options, customizability, available discounts and customer satisfaction. We also relied on information from our 2023 Pollfish survey of 1,000 pet insurance policyholders to determine which factors Vermont residents care about most.
To get our cost data, we obtained quotes from 10 popular pet insurance providers in Vermont for four representative pets: a 5-year-old medium, mixed-breed dog, a 2-year-old golden retriever, a 5-year-old mixed-breed cat and a 2-year-old Siamese cat. To learn more about our process, check out our pet insurance methodology and our editorial guidelines.