Best Pet Insurance Companies In Maine For 2024

Our team of pet insurance professionals put forth a group effort to research and collect information about pet insurance. We compared quotes from eighteen different pet insurance carriers to determine whose coverage was best for a variety of scenarios. When our research was complete, we agreed that of the major pet insurers in Maine, Lemonade Pet Insurance is the best.

We gave Lemonade high scores due to their affordably priced rates, along with their  excellent coverage and highly praised customer service. However, there are other pet insurers that we also rated highly in their respective categories.

We compiled data about the top pet insurance companies in Maine that may be helpful if you’re thinking about purchasing it for your pet. We also learned how different factors can affect rates, and have passed this information on to you.

Average Cost Of Pet Insurance In Maine

Average Cost In Maine — By Cat Breed

Average Cost In Maine — Accidental-Only Coverage

Average Cost In Maine — By Dog Breed

 Average Cost In Maine — Comprehensive Coverage

Largest Pet Insurance Companies In The United States

Buying pet insurance is similar to buying health insurance for yourself. There are things to check out like quotes for premiums, comparing deductible amounts, discounts available, benefits and coverage, customer reviews, and more. It’s helpful to get on a website such as Insuranceopedia and learn some of the basics about pet insurance.

Almost all of the large pet insurance companies offer policies that don’t cover anything except accidents. Illness or health conditions are not covered. Quite a few pet insurers sell accident and forgiveness plans. Either one of these could be suitable for your pet’s needs.

Young pets are probably not going to have health conditions related to age. This doesn’t hold true for older pets. The older aged pets have a much higher rate of disease and health problems. Therefore, if you own a younger pet, an accident-only plan might be all that is likely to be needed. On the other hand, if your pet is considered to be at high risk for various health problems, you might be better off to purchase a comprehensive policy that would cover both accidents and sickness.

A waiting period is the length of time that must pass before insurance starts to pay on a covered incident. Pet insurance companies might have different lengths of waiting periods, so you need to find out the duration of a company’s waiting period before purchasing coverage.

How To Buy Pet Insurance Online In Maine

If you would rather research and purchase pet insurance online, it’s fast and very simple. Just get on the internet and do everything you need to do in order to get pet insurance. Websites like Insuranceopedia have an incredible amount of information, everything you want or need to know about pet insurance and insurers. You can take some of the steps ahead of time, which streamlines the process. When it is time to submit an application to the company of your choice, you can do that online, too.

Here are four important steps you’ll want to take during the pet insurance buying process:

• Step 1: Get the information together you’ll need before starting research. This will include the type of pet you have, the pet’s age, breed, medical history, and any documentations you have about lineage
• Step 2: Calculate how much coverage seems best for your pet’s needs, and how much of a deductible you feel comfortable having
• Step 3: Compare three rate quotes from your final selections
• Step 4: Discard 2 of those 3 carriers and then submit an application for the one that’s left, purchase the policy you want, then contact your vet with the news about your newly acquired pet insurance

Things That Have An Impact On The Cost Of A Pet Insurance Policy In Maine

Pet owners sometimes believe that pet insurance rates are dependent on only one or two components. But, there are several important factors that weigh in when setting rates for pet insurance. Here are a few examples of components that come into consideration:

• Breed
• Age
• Location
• Insurance Type
• Animal Type

Animal Type

Pet insurance rates are sometimes affected by what kind of pet you have. Dog owners, for instance, normally pay two to three times higher rates for coverage than people who have cats. Perhaps one reason for this higher rate is that dogs are often outside more than cats, where there is an increased risk of accidents or diseases.

Breed

The breed of pet you own could affect pet coverage rates. There isn’t ordinarily a huge difference between rates for dog breeds. But, breeds that are classified as high risk might have higher premiums for pet insurance.

Bulldogs and boxers are both high-risk breeds because of their likelihood to develop skin and sinus problems. If you have one of these breeds, you can probably count on being charged a higher premium.

Age

Age is another factor that can affect premiums charged by pet insurance carriers. Some pet insurers keep rates low no matter the age of the pet. But some do not. Some pet insurance carriers won’t even accept an application for coverage if the pet falls outside the company age limit. If you own an older animal, make sure to only purchase insurance from a carrier that doesn’t deny coverage for senior pets.

Insurance Type

When it comes time to buy pet insurance, you will usually have 2 options: accident and sickness coverage, or accident-only. Both options have value and will provide protection for your pet while protecting your funds if your pet needs to see a vet. A comprehensive plan will cover accidents and sickness, too. It will be more expensive than accident only, of course. If it’s tough for you to decide between the two, try asking yourself if the extra coverage will be worth the extra price.

There isn’t normally a lot of difference between pet insurance premiums from one city to another city. Still, there are some places within a state that might be classified as high risk because there are more than the average number of claims in that area.

How To Find The Best Pet Insurance Company For You

Purchasing a pet insurance policy is much the same as getting an insurance policy on yourself. With both types, there are various steps along the way, such as obtaining quotes, comparing deductible amounts, checking discounts, If any, benefits and coverage, reading customer reviews, and so on. If you’re unfamiliar with pet insurance, you’ll find it helpful to learn the basics before starting to shop around for an insurer.

Most pet insurers offer policies that don’t cover anything but accidents–disease or health problems are not covered. Some pet insurance companies offer accident and forgiveness plans. Either of these plans might be best for your needs and those of your pet’s.

Young pets aren’t typically likely to have age related health problems. This is not true with older pets. In fact, the older age group of pets has an increased risk of diseases and health conditions. So, if you have a young pet, accident-only coverage might be adequate. If your pet is classified as high-risk for certain conditions, you’d probably fare better with a comprehensive policy that would cover accidents as well as sickness.

A policy waiting period is the length of time before insurance starts paying on an incident. Pet insurers have various lengths of waiting periods, so this is something to check before you purchase a policy.

In The News

Maine Pet Insurance Laws To Know

• In Maine, it’s illegal for any dog, licensed or unlicensed, to be at large except for hunting. Maine law defines “at large” to be “off the premises of the owner and not under the control of any person whose personal presence and attention would reasonably control the conduct of the animal.”
• By Maine law, all dogs 6 months or older have to be licensed in the municipality where the dog lives.

Maine is a wonderfully scenic state, with a deep Native American heritage. Tribes like the  Penobscot, Maliseet and Passamaquoddy called Maine home for thousands of years. Tourists  can visit Native American cultural sites and learn more about these first Americans.

Maine has numerous tourist attractions. Places like Cadillac Mountain, Mount Desert Island, and Ogunquit Beach are favored spots, along with lots of others in Maine.

Pet Insurance Discounts In Maine

Just as for your own insurance, location can influence pet insurance rates. If you do reside in a place considered higher risk by pet insurance underwriters, you can still save yourself some money on your pet insurance premiums by utilizing policy discounts. Pet insurers may have a variety of discounts on offer, so it could pay you to scout around and see what’s on offer. Here are a few discounts that might lower your pet insurance premiums:

• Online policy discounts
• Animal care employee discounts
• Senior discounts
• Employee union discounts
• Multi-pet discount
• Active and retired military discounts
• Wholesale and special interest clubs discounts
• Employer sponsored discounts
• Special service animal discounts
• Multi-policy discount