5 Best Pet Insurance in Massachusetts in 2023

Best insurance companies in Massachusetts

Finding the best pet insurance in Massachusetts that meets your pet’s needs is crucial because there are new insurance providers opening up every day in The Bay State.

In order to help you make a wise decision, we have listed the top pet insurance providers in Massachusetts in this article.

In addition, you will discover how to choose the best pet insurance policy as well as the factors that affect the price.

That said, keep reading as we get into details about pet insurance in Massachusetts.

Also, check out these 3 Best Pet Insurance In Florida in 2023.

Is It Worth It To Buy Pet Insurance In Massachusetts?

I know you will be wondering if buying pet insurance is worth it or not.

Let’s do some math: supposing you normally pay $35 every month or $420 each year. Then for over 3 years, you have paid $1260 in premiums.

Let’s say your dog swallows an object and undergoes surgery that costs $4,500.

Now if you have a policy with a $500 deductible and 90% reimbursement level, you would pay $900 for your dog’s medical expenses ($500 deductibles + 10% of $4,000 = $900).

The result:

  • In total, you have paid $2160 for three years of premiums including your share of the costs of the surgery.
  • Without pet insurance, you would have paid $4,500 for the surgery.
  • Pet insurance has saved you $2,340.

So, if you’re still in doubt about buying pet insurance ask yourself these questions

  • How much can you afford to pay out of your pocket for your pet’s vet bills, especially when an emergency arises?
  • When an emergency surgery arises or an illness like cancer, how much can you pay for the vet bill?

Now you know the worth of a pet insurance company, let’s find out about most of the pet insurance providers in Massachusetts.

You may also like to read about the 4 Best Pet Insurance In Colorado.

5 Best Pet Insurance Providers In Massachusetts 

1. Lemonade Pet Insurance:


Lemonade provides a variety of insurance choices. In addition to pet insurance, Lemonade also offers home, renters, and auto insurance.

Basically, they offer a variety of coverage limits, reimbursement and deductibles, and discount options. 

Also, they offer an inexpensive boost coverage and several ads-on as a result, making it a more comprehensive coverage for your animal.

Lemonade is unique among insurance providers in that it isn’t just interested in making money.

Instead, the cost of claims is covered by premiums. Any money left over at the end of the year is donated to its clients’ favorite charities.

That said, Lemonade has 3 different types of waiting periods, which are 2 days waiting period for accidents, 14 days for illnesses, and 6 months for cruciate ligament injuries.

A cat typically costs $15 per month, whereas a dog typically costs $37 per month. 

For an additional fee, you can also choose to add a wellness package to your coverage. 

It starts at $10 a month for cats and goes up to $15 a month if you choose the highest level.

Depending on the level of coverage, Lemonade may offer annual deductibles between $500 and $5,000 and coverage up to $100,000.

Remember that species, gender, age, and location will all affect the price, so keep that in mind.


  • Offers a 48 hours waiting period for accidents 
  • No age limit for coverage 
  • Optional wellness plan available 
  • Multiple discount programs 
  • Fast processing of claims
  • Multiple policies and riders available 
  • Offers a multi-pet discount of 10%


  • Don’t cover behavioral treatments
  • No unlimited benefits 
  • No money-back guarantee 

Read also, 3 Best Pet Insurance With Dental Coverage.

2. Spot Pet Insurance:


Spot Pet Insurance is an easy method to guarantee that your pet gets the necessary medical treatment when it’s most required. 

They’re easy to use; all you have to do is visit your veterinarian, submit a claim following treatment, and wait for payment. 

Additionally, you may tailor the policy to match the requirements of your pet and your budget by selecting the level of coverage you choose.

The average monthly cost for dogs is about $30, and the average monthly cost for cats is about $25. 

The pet insurance company Crum & Forster underwrites Spot. The spot is customizable with an annual maximum of $2,500. 

Additionally, it offers several preventive health packages for an additional cost and a 10% multi-pet discount on animals added to the insurance. 

Plans from Spot are also available without a yearly cap.


  • No upper age limit 
  • 30 days money back guarantee 
  • Covers the veterinarian office visit fee for illness and accidents
  • Offers a multi-pet discount of 10%
  • Optional wellness plan available
  • Has a 24/7 pet telehealth line
  • A low $100 deductible is available
  • Its standard plan includes microchipping.
  • Has option for unlimited annual coverage 


  • Doesn’t cover pets under eight weeks old.
  • The waiting period for accidents is 14 days.

3. Embrace Pet Insurance: 


Embrace pet insurance provides you with a variety of options for coverage, reimbursement, and deductibles within your budget.

Also, you can lower your premium with a diminishing deductible that reduces it by $50 each year you don’t have a claim paid

Their coverage includes accidents, illnesses, and other conditions. In addition, they also offer an accident-only policy.

However, when you buy an accident-only policy you won’t be covered for conditions included in accident and illness plans.

Embrace is best for older pets because they are willing to offer coverage for animals that are up to the age of 15.

In addition, all of their policies come with a 30-day money-back guarantee or a prorated refund.

Plans for dogs cost an average of $30 to $40 a month, and for cats, $15 to $20. Keep in mind that prices will vary according to breed, gender, and age.


  • Offers employers and military benefits 
  • Has a 24/7 pet telehealth line.
  • 2 days waiting period for an accident
  • Covers the veterinarian office visit fee for illness and accidents.
  • Provides an excellent range of options for annual coverage, reimbursement, and deductibles.


  • No unlimited benefits 
  • Strict pre-existing condition rules

4. ASPCA Pet Insurance:


ASPCA pet health insurance is one of the best due to its partnership with the American Society for the Prevention of Cruelty to Animals (ASPCA).

They are highly recommended, it backs up its products and also offers a 30days money-back guarantee.

In addition, ASPCA does not demand prior exams before enrolling, just like some other pet health insurance companies.

Also, other pet insurance companies do not cover pre-existing conditions; however, ASPCA handles pre-existing conditions that are curable.

This means that if your animal has a curable condition and is free from the treatment and symptoms for at least 180 days it can be covered.

ASPCA pet insurance costs $49 per month for dogs and $29 for cats however, keep in mind that these costs vary based on the plan you choose, location, your pup’s age as well as the breed.


  • It covers horses in addition to dogs and cats.
  • Pre-existing conditions are covered after 180 days.
  • No upper age limit 
  • Covered stem cell therapy and microchipping.
  • Includes coverage for Exam fees
  • Offers a multi-pet discount of 10%
  • Has a 24/7 telehealth line


  • Doesn’t offer unlimited annual coverage.
  • Has a 15-day waiting period for accidents.

5. Healthy Paws Pet Insurance:


Healthy Paws was founded in 2009 as a nonprofit to assist pet owners with their financial responsibilities for their animals.

In order to aid animal rescue organizations with sick animals.

Aon Corporation, a leading international insurance broker, has partnered with Healthy Paws, and Chubb Group supports its line of pet insurance policies.

Accidents, illnesses, cancer, urgent care, genetic problems, dental care, and complementary treatments like acupuncture and chiropractic are all covered by Healthy Paws insurance.

Plans for dogs cost an average of $39 monthly, while the monthly cost for cats is $12.

The 30-day money-back guarantee, adaptable coverage, and a $25 one-time registration charge are the standout benefits.


  • Covers breed-specific conditions
  • No limits on coverage
  • Good BBB rating
  • Fast claim repayment


  • New member fee
  • No preventive care benefits

Now that you’ve learned about some of the pet insurance companies in Massachusetts, which do you think is best for you?

Which Pet Insurance In Massachusetts Is Best For You?

Regardless of where in Massachusetts you reside, you can get the best pet insurance plan from one of the companies mentioned above. 

Consider your spending capacity and insurance requirements before acquiring a plan.

Lemonade can be a great option if you want coverage that’s reasonably affordable and has an efficient claims process. 

Another great choice for pet owners on a budget is Embrace because they provide you with a variety of options for coverage.

You might as well use Spot, which offers a variety of adjustable coverage caps, for extremely personalized coverage. 

However, before committing to a policy, take a few minutes to compare quotes from other providers.

Read on to learn about some of the factors that affect the price of pet insurance in Massachusetts.

What Factors Affect The Price Of Pet Insurance In Massachusetts?

Here are some factors that will either increase or decrease the amount of your monthly premium.

1. Your Pet’s Age:

Due to their higher risk of developing medical problems, older pets often cost more to insure than younger ones. 

So, early pet insurance can assist in keeping the costs down when the policy’s terms are renewed yearly.

2. The Type of Breed:

The cost of insurance for some dog or cat breeds that are more prone to illnesses might be way higher than other types.

For instance, the cost of insurance for golden retrievers is more than that of  Yorkshire terriers or mixed breeds.

3. Location: 

Basically, your zip code which shows your location actually plays a role too in increasing your quote.

So, it’s advisable you get quotes from insurance providers that are close to you based on your exact state.

4.  Plan Customization: 

Many insurance providers actually offer different customization options so that you can only get to pay for what you need.

You can choose to lower your premium by selecting a lower annual coverage, a lower reimbursement rate, and higher deductibles.

Although, having a higher out-of-pocket pay during a claim might cost a lot of money in the long run.

5.  Discounts:

There are some insurance companies that offer multi-pet discounts. For instance, Spot gives customers who insure multiple pets a 10% discount.

In addition, insurance companies also offer extra discounts like military or a claim-free discount.

Now you know some of the factors that affect the price, continue reading to learn how to find the best pet insurance for your pup.

Learn more about Multi-Pet Insurance and How it Works? – A Complete Guide.

Best insurance companies in Massachusetts

How To Find The Best Pet Insurance In Massachusetts

When choosing a pet provider in Massachusetts for your pet, there are many factors you should consider.

1. Understand How The Plan Will Be Used:

Before enrolling for a plan, you must know what your pup needs most in order for you to choose the plan that best suits them.

For example, if you are looking for a plan that only kicks in during emergencies or during illness, injuries, and everyday expenses, you’ll have to specify.

This include:

  • Accidents-only Coverage: This plan exclusively covers medical pet emergencies. For example, if your furry friend accidentally swallows something they weren’t supposed to or got hit by a car. All you have to do is just file for a claim and get reimbursed after paying the vet bill.
  • Accidents and Illness: This insurance typically pays vet bills for illnesses, including common diseases, hereditary conditions, and serious illnesses. It includes the cost of emergency vet visits and standard veterinary care required to treat common health problems in pets. 
  • Wellness Plans: After selecting your desired level of coverage, you can then opt for a wellness program for pets, which will act as a “rider” on top of your insurance policy, if you choose to sign up. Doing this will provide financial benefits on preventive care such as annual checkups, required for your pet’s vaccinations.

Above all, what determines the right plan for you is the type of coverage you want for your cat or dog.

2. Choose a plan with a 24/7 vet helpline:

If for instance your cat or dog mistakenly ate a poisonous plant on a Sunday afternoon, your vet might not be able to help you through the process.

This is where your vet helpline comes in and not all pet insurance companies offer a 24/7 vet helpline to answer questions.

Embrace and Spot pet insurance companies offer a 24/7 vet helpline.

So, selecting an insurance company that offers such will put your mind at ease.

3. Look For A Multipet Discount:

There are some insurance companies that offer multi-pet discounts. For instance, Spot gives customers who insure multiple pets a 10% discount.

In addition, insurance companies also offer extra discounts like military or a claim-free discount. 

4. Your Access To Care:

When it comes to reimbursement, most top pet insurance plans will offer coverage for any licensed veterinarian or care provider.

Sometimes, some carriers require you to see a vet in a particular network that might not be close to your state.

Especially when it has to deal with alternative care providers such as behavioral therapists, chiropractors, or acupuncturists.

Ultimately, be sure the policy you’re enrolling into covers all of the care you provide your pup.

5. Find out the waiting periods:

When you enroll for a pet insurance policy, there is a certain amount of time you have to wait before it will start to reimburse you for vet bills.

Although, every insurance company’s waiting periods vary across the industry. 

For instance, companies like Embrace have a 2-day waiting period for accidents while ASPCA has a 15 days accident waiting period.

Massachusetts Pet Laws 

Whether you reside in Massachusetts or are just visiting, you should be aware of the following significant pet laws:

  • You are not allowed to leave an animal in a hot or cold vehicle in Massachusetts. This is seen as animal cruelty and has legal consequences.
  • Dog owners in Massachusetts are required by state law to obtain annual licenses for their pets. A rabies shot and license are required if your dog is 6 months or older. You risk being fined without a license.
  • When you leave your property, you must keep your dog on a leash. You cannot allow your dog to wander the neighborhood or bother others.
  • You are required by law to collect and get rid of your pet’s waste. This includes being ready to pick up after your dog when you’re out and about.

Summary of the Best Pet Insurance Companies In Arizona 


For pet owners looking to safeguard their animals and finances in the event of an accident or illness, pet insurance is a great investment

You may even be covered for your pet’s routine veterinary care, depending on the type of pet insurance plan you choose. 

Regardless of the plan, you select, you are making a significant financial commitment to the future healthcare of your pet.

No matter which pets insurance provider you select, we advise that you get several free quotes from different pet insurance companies so that you can carefully compare your options.

With this article on pet insurance in Massachusetts, we hope this helps you narrow down your choices.

Frequently Asked Questions 

Is There A Waiting Period For Pet Insurance In Massachusetts?

Yes. Pet insurance providers don’t begin to pay out for your pet’s injuries and illnesses until the waiting periods have passed.

Everything that occurs to your pet before that time is regarded as a pre-existing condition. 

While the 14 to 15-day waiting period for coverage is the industry norm, certain companies, such as Embrace and Lemonade, have 2 day waiting period for accidents.

How Much Does Pet Insurance Cost In Massachusetts?

The average price for pet insurance in Massachusetts with basic accident and illness coverage is between $30 to 60 per month for dogs and $15 to 30 per month for cats, according to the sample quotes we received during our research. 

However, these costs can differ depending on a number of variables that are included in each premium such as:

  • Pet’s species
  • Breed
  • Age
  • Gender
  •  Zip code

Is It Worth It To Get Pet Insurance In Massachusetts?

Yes. It’s so worth it because it helps ensure that your furry friend receives the necessary medical attention or treatments when the need arrives.

As a result, preventing you from spending too much money out of your own pocket on vet bills.

Do Most Vet In Massachusetts Accept Pet Insurance?

Pet insurance companies don’t need to have a direct relationship with vets like your health insurance company does.

Since you submit your own claims rather than having the veterinarian handle them for you.

This implies that your pet insurance company can work with any licensed veterinarian in the country.

What Are The Best Pet Insurance Companies In Massachusetts?

Lemonade offers you very affordable coverage and has an efficient claims process.

Another great choice for pet owners on a budget is Embrace because they provide you with a variety of options for coverage.

You might as well use Spot, which offers a variety of adjustable coverage caps, for extremely personalized coverage.

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