Best Pet Insurance In Massachusetts For 2024
In Massachusetts, Lemonade Pet Insurance comes in first as the leading pet insurer.
We’ve saved shoppers an average of $350 per year on their pet insurance.
I reviewed numerous pet insurance providers to determine which offered the most comprehensive coverage across different scenarios. Lemonade Pet Insurance won the title of the best overall pet insurance provider in Massachusetts.
In the sections ahead, we’ll dive into some leading Massachusetts pet insurance providers and discuss how different factors affect the overall insurance cost.
Best Pet Insurance In Massachusetts, 2024
Compare The Best Pet Insurance In Massachusetts
| Embrace |
|
Cat Owners |
48 hours for accidents and 14 days for illnesses |
$20.44 |
$48.25 |
Instant Quote |
| Lemonade Pet Insurance |
|
Overall Coverage |
2 days for accidents and 14 days for illnesses |
$18.41 |
$35.18 |
Instant Quote |
| Lemonade Pet Insurance |
|
Affordable Coverage |
2 days for accidents and 14 days for illnesses |
$18.41 |
$35.18 |
Instant Quote |
| ASPCA |
|
New Pet Owners |
Immediately for preventive care and 14 days for illnesses and accidents |
$38.67 |
$83.30 |
Instant Quote |
| Lemonade Pet Insurance |
|
Owners of Young Pets |
2 days accidents and 14 days for illnesses |
$18.41 |
$35.18 |
Instant Quote |
| Pets Best |
|
Owners of Multiple Pets |
3 days for accidents and 14 days for illnesses |
$29.54 |
$41.39 |
Instant Quote |
Best Pet Insurance Companies In Massachusetts
Best Overall Coverage
Key Statistics
Why We Like Them
⇅Pet insurance companies are ranked by factors such as cost, service quality, and how fast claims are processed. In Massachusetts, Lemonade Pet Insurance emerged as the leader, with budget-friendly rates of $18.41 for cats and $35.18 for dogs. Massachusetts pet owners also gave Lemonade high marks for its excellent customer service and deep commitment to pets.
Benefits & Drawbacks
⇅- 48-hour waiting window after an accident
- Top-level claims management department
- There's a wide variety of discounts to explore.
- A portion of monthly premiums is designated for nonprofit aid. ✓
- Enrollment rules for certain pet breeds include age restrictions.
- Policies might not be available in all states.
- Insurance providers consider both the pet owner's credit and their history of claims when setting rates. ✘
Best Affordable Coverage
Key Statistics
Why We Like Them
⇅There’s a common belief among pet owners that pet insurance is too expensive, but Lemonade Pet Insurance shows it doesn’t have to be. With average costs of $18.41 for cats and $35.18 for dogs, they provide affordable coverage. Plus, bundling discounts of up to 15% and an easy-to-use mobile app make Lemonade a convenient choice.
Benefits & Drawbacks
⇅- A waiting period of 48 hours following accidents.
- Faster turnaround on claims compared to other industry leaders.
- You have access to a multitude of discounts.
- Funds from your premium are allocated to non-profit causes. ✓
- Insurance coverage for specific pet breeds may end after reaching a certain age.
- The state you reside in determines coverage restrictions.
- Pet insurance rates are set based on the owner's credit rating and claims history. ✘
Best For Owners Of Young Pets
Key Statistics
Why We Like Them
⇅Adopting a new puppy or kitten is an exciting experience, but caring for a young pet can sometimes feel overwhelming. Along with proper training, it’s essential to find a pet insurance provider that simplifies coverage. Lemonade Pet Insurance combines affordability with ease, thanks to its top-tier mobile app and excellent customer support. With average premiums of $18.14 for cats and $35.18 for dogs, Lemonade is an ideal option for owners of young pets.
Benefits & Drawbacks
⇅- Only a 2-day waiting period is required for policyholders to claim pet injury benefits.
- Processing claims happens with impressive speed.
- A plethora of discounts is available to policyholders.
- A portion of the premium paid by policyholders is allocated to nonprofit organizations. ✓
- Insurance coverage ends for certain pet breeds once they reach a particular age.
- Not every state in the U.S. falls under this policy's coverage.
- Pet insurance premiums are calculated based on the pet owner's credit history and previous claims made. ✘
Best For New Pet Owners
Key Statistics
Why We Like Them
⇅For first-time pet owners, choosing a pet insurance provider with a strong track record, like ASPCA, is essential. While their premiums are higher—$38.67 for cats and $83.30 for dogs—the extra cost is justified by benefits like no age restrictions for senior pets and coverage for behavioral issues and alternative therapies, which can be especially helpful for certain breeds.
Benefits & Drawbacks
⇅- The insurance encompasses alternative therapies, behavioral issues, and conditions present from birth.
- After cruciate injuries occur, there's a 14-day wait.
- Connect with a vet instantly through our 24/7 telehealth line.
- Basic policies cover costs for vet clinic visits for illnesses and accidents. ✓
- An agent is the only route to unlimited yearly coverage.
- Deductible options are quite restricted. ✘
Best For Cat Owners
Key Statistics
Why We Like Them
⇅Massachusetts cat owners in need of insurance should consider Embrace Pet Insurance. Their plans are affordable, averaging $20.44 per month. Embrace also donates $2 to charity for each policy sold, and they’re the preferred partner of top insurance providers like USAA, Allstate, and GEICO.
Benefits & Drawbacks
⇅- You have the option to select policies that are affordable.
- A variety of regular policies offer coverage for treatable pre-existing health conditions.
- Pet owners seeking orthopedic care can expedite the process by obtaining a vet's examination. ✓
- Accident-only coverage is available exclusively for pets aged 14 and older.
- Regular policies do not provide extra coverage. ✘
Best For Owners Of Multiple Pets
Key Statistics
Why We Like Them
⇅While the cost of caring for multiple pets may add up, pet insurance could be more affordable. Providers like Pets Best offer multi-pet discounts and affordable premiums—$29.54 for cats and $41.39 for dogs. They also provide access to a 24/7 vet helpline and cover pets with disabilities or prosthetic needs.
Benefits & Drawbacks
⇅- Our policy covers pets with wheelchairs or prosthetic devices.
- The 24/7 vet healthline is there to provide veterinary help whenever needed.
- After three days, accident insurance coverage begins.
- Accident and illness insurance policies offer adaptable coverage choices. ✓
- The processing of claims here is slower than at other competing companies.
- Policy updates are restricted to the renewal phase. ✘
Pet Insurance Discounts In Massachusetts
In Massachusetts, pet insurance costs can vary by location, just like regular health insurance. To manage expenses, explore different discounts. Providers may offer various discounts, including:
- Discounts provided by your employer
- Discounts for multiple pets
- Discounts through employee unions
- Discounts from special interest or wholesale organizations
- Discounts for having multiple policies
- Discounts for military service members and veterans
- Discounts for seniors
- Discounts for buying policies online
- Discounts for those working in animal care
- Discounts for service animals
Factors That Impact Cost Of Your Pet Insurance Policy In Massachusetts
Many pet owners assume their pet’s insurance cost is determined by a couple of factors, but several variables influence the cost, including:
- Type of Pet
- Breed
- Age
- Type of Insurance
- Location
Type of Pet
The type of pet you have significantly affects your insurance premiums. Dog owners generally pay 2-3 times more than cat owners due to the higher risk associated with dogs.
Age
Age is a crucial factor in determining insurance quotes. Some insurers offer affordable rates for pets of all ages, while others might not cover older pets. It’s important to compare options if your pet is a senior.
Breed
The breed of your pet also affects insurance costs. Certain breeds, like boxers and bulldogs, may have higher premiums due to their susceptibility to specific health problems, though most breeds do not have a major impact on rates.
Insurance Type
When selecting a policy, you typically have the choice between accident-only coverage or accident and illness coverage. Comprehensive plans cost more but offer more extensive protection. Consider if the additional coverage justifies the higher cost.
Location
Location can also impact insurance premiums. While differences between cities are usually small, some regions may have higher premiums due to a higher number of claims from those areas.
Average Pet Insurance Cost In Massachusetts — By Cat Breed
| Cat Breed | Average Monthly Cost |
| Domestic Shorthair | $15.01 |
| Sphynx | $15.92 |
| Siamese | $20.19 |
| Maine Coon | $25.33 |
Average Pet Insurance Rates In Massachusetts — By Dog Breed
| Dog Breed | Average Monthly Cost |
| Bernese Mountain Dog | $17.03 |
| Labrador Retriever | $35.88 |
| Whippet | $61.79 |
| Jack Russell Terrier | $83.31 |
Average Accidental-Only Pet Insurance Cost In Massachusetts
| Insurance Provider | Average Monthly Cost for Accident-Only Coverage |
| Lemonade | $28 |
| Pets Best | $33 |
| TrustedPals | $34 |
| Figo | $40 |
| ASPCA | $51 |
Average Comprehensive Pet Insurance Rates Cost In Massachusetts
| Insurance Provider | Average Monthly Cost for Comprehensive Coverage |
| ManyPets | $36 |
| Pets Best | $43 |
| Lemonade | $46 |
| Trusted Pals | $50 |
| Healthy Paws | $55 |
Largest Pet Insurance Companies In The United States
| Company Name | Estimated Market Share Percentage |
| Trupanion | 30% |
| Nationwide Mutual Insurance Company | 19% |
| Embrace Pet Insurance | 9% |
| Fetch by the Dodo | 8% |
| Pets Best Insurance | 2.4% |
| Hartville Group Inc. | 1.4% |
| MetLife Pet Insurance | 1.4% |
| Petsecure | 1.3% |
| Healthy Paws Pet Insurance | .73% |
| Pumpkin Pet Insurance | .48% |
How To Buy Pet Insurance In Massachusetts
Getting pet insurance through platforms like Insuranceopedia is a hassle-free process.
Prepare all the vital information in advance, including your pet’s type, breed, age, medical history, and any related lineage documentation.
Determine the ideal coverage amount and deductible for your pet’s particular needs.
Collect and compare quotes from at least three pet insurance providers to evaluate your choices effectively.
Purchase your insurance policy and make sure your vet knows about your new coverage.
How To Find The Best Pet Insurance Company For You
Buying pet insurance is similar to acquiring health or life insurance. It’s important to compare rates and coverage details, but understanding the key aspects of a pet insurance policy is essential. Many companies provide either accident-only coverage or more comprehensive plans that cover both accidents and illnesses.
Accident-only coverage often suits younger pets with fewer health concerns, while comprehensive coverage is better for breeds with higher risk profiles. Additionally, review the waiting period, as each insurer has different rules for accidents and illnesses.
Our Methodology
In our quest for affordable pet insurance in Massachusetts, we carefully analyzed information from multiple providers. Our team, with over two decades of experience in the insurance industry, also provided valuable perspectives. Please remember that while the rates in this guide are current, premiums can fluctuate daily, influenced by factors such as your pet's age and breed.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Do all vets take pet insurance in Massachusetts?
In Massachusetts, every veterinary clinic accepts pet insurance, but the process requires pet owners to pay for the treatment initially, with reimbursement coming from the insurance provider afterward.
How much is pet insurance in Massachusetts?
Following the trend seen across the country, Massachusetts cat owners generally have lower insurance premiums than dog owners. On average, cat insurance is priced at $27.56 per month, compared to $48.81 for dog insurance.
Do I legally have to insure my pet in Massachusetts?
Even though having pet insurance is a smart move, it’s crucial to note that Massachusetts does not legally require insurance for your dog or cat.
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