Get the Best Pet Insurance in Maine in 2025

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Are you struggling to find the right pet insurance in Maine? With so many options out there, it’s important to know what each policy covers to match your pet’s needs and your budget.

This guide has everything pet owners in the Pine Tree State need to make smart decisions. We’ll cover costs, highlight top plans, and explain key rules and protections specific to Maine. By the end, you’ll be ready to choose the perfect pet insurance plan to keep your furry family members healthy and happy for years to come.

Summary: Best Maine Pet Insurance Ratings

AKC Pet Insurance

Best for pets with pre-existing conditions

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

ASPCA Pet Insurance

Best for wide-ranging coverage

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Felix

Best for cats

Max Annual Coverage

$15,000

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Figo

Best for reimbursement options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$750

Pets Best

Best for senior pets

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$50-$1,000

Pumpkin

Best for puppies and kittens

Max Annual Coverage

Unlimited

Reimbursement Choices

90%

Deductible

$100-$1,000

Spot

Best for straightforward waiting periods

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Comparison information is provided using publicly available information as of 2/12/2025 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing info@petplace.com.

How Much Does Pet Insurance Cost in Maine?

According to our research, Maine pet insurance costs an average of $35 per month. This gets you a plan with $5,000 in annual coverage, a $250 deductible, and an 80% reimbursement level. For unlimited annual coverage with the same deductible and reimbursement rate, it's $74 a month*.

We calculated these figures by averaging the monthly costs from eight major pet insurance providers. To estimate typical expenses, we gathered quotes for a three-year-old, medium-sized, mixed-breed dog in two Maine cities: Portland, a major urban center, and Waterville, an average-sized city for the state.

It's important to note that your own Maine pet insurance cost will depend on factors such as:

• Annual limit, deductible, and reimbursement level. These are the three primary components that determine your monthly premium. The annual limit is the maximum amount the policy will pay out in a year. The deductible is the amount you pay out-of-pocket before the insurance starts to cover costs. The reimbursement level is the percentage of the covered costs the insurance pays after the deductible. Generally, the higher the annual limit and reimbursement level, the more expensive the policy will be.
• Breed and gender. Some breeds are more prone to certain health conditions than others, which can impact the cost of insurance. Additionally, some insurers may charge different rates based on the gender of your pet.
• Your location. Where you live can affect the cost of pet insurance. Urban areas tend to have higher premiums due to the higher cost of veterinary care in cities.
• Your pet’s age. Just like with human insurance, the younger your pet is when you enroll them in a policy, the lower the premium will be. As they age, premiums may increase.

Additionally, there are other factors that can affect the cost of pet insurance, such as pre-existing conditions, your pet’s lifestyle, and whether or not you choose to add on any optional coverage. That's why it's vital to compare Maine pet insurance plans carefully and choose a policy that suits your budget and your pet's individual needs.

Cost of Pet Insurance for Dogs in Maine

The average cost of pet insurance for a medium-sized mixed breed dog in Maine is $35 per month*. This is based on a policy with $5,000 of annual pet insurance coverage, a $250 deductible, and an 80% reimbursement level. A policy offering unlimited annual coverage, with a deductible of $250 and an 80% reimbursement rate, costs $74 monthly.

Cost of Pet Insurance in Maine by Dog Breed

According to the American Kennel Club (AKC), the three most popular dog breeds of 2023 in the U.S. were the French Bulldog, Labrador Retriever, and Golden Retriever. Here are the monthly pet insurance rates you can expect to pay for these breeds in Maine:

Cost of Pet Insurance for Cats in Maine

Pet insurance for cats is significantly cheaper than dog insurance in Maine. The average monthly cost for cat insurance in the state ranges from $21 to $38, depending on factors such as age, annual coverage, breed, deductible, plan type, and reimbursement amount**.

Cost of Pet Insurance in Maine by Cat Breed

In 2023, the three most popular cat breeds in the U.S. were the Ragdoll, Maine Coon Cat, and Persian, according to the Cat Fanciers' Association (CFA). Based on our analysis of Maine pet insurance, here are the average monthly rates for these breeds:

Cost Comparison for Pet Insurance Companies in Maine

Types of Pet Insurance Plans

Pet insurance companies offer policies that cover a wide range of issues, from accidents and illnesses to routine care. Here's an overview of the most common types of pet insurance plans:

Accident and Illness

This type of policy typically covers unexpected accidents and illnesses, such as broken bones, cancer, and infections. It generally includes diagnostic tests, x-rays, ultrasounds, exam fees, hospital stays, surgeries, and prescription medications.

Coverage may also extend to treatments like prosthetic devices, mobility aids, and, in some cases, alternative therapies such as acupuncture or chiropractic care. Coverage for behavioral issues and insurance for senior dogs and senior cats can vary between providers and might not always be included in the base plan, requiring add-ons or separate policies.

Accident Only

Accident-only pet insurance policies are typically the most affordable plans available, covering injuries from accidents like cuts, broken bones, and sprains. This includes vet exams, diagnostic testing (x-rays, MRIs, ultrasounds), hospitalization (surgery and treatment), medications, and rehabilitation.

Wellness and Routine Care

Wellness and routine care plans help manage and offset the cost of preventive care to keep your pet healthy. These policies generally cover routine check-ups, vaccinations, dental cleanings, microchipping, deworming, spay/neuter surgeries, and flea and tick prevention. This type of coverage is often available as an optional add-on to an accident and illness policy.

Pre-Existing Conditions

Pet insurance providers traditionally do not cover pre-existing conditions, making this an essential factor for pet owners to consider when choosing a policy. A pre-existing condition is any health issue that your pet was diagnosed with or showed symptoms of before the start date of the insurance policy or during the waiting period.

However, some insurance companies distinguish between curable and incurable pre-existing conditions. For curable conditions, if your pet has been symptom-free and has not required treatment for a specific period – typically for 6 to 12 months before the policy start date – these conditions might then be eligible for coverage. In contrast, incurable conditions, such as chronic diseases or ongoing illnesses, are generally not covered at any point.

Review your sample policy from your provider for a full list of condition coverage and exclusions.

Reimbursement

Reimbursement rates dictate the percentage of the vet bill that will be paid back to you after you've met your deductible. Common reimbursement levels offered by pet insurance companies range from 70% to 90%. Keep in mind that higher reimbursement rates typically result in higher monthly premiums, so you'll need to find the right balance that works for your budget and needs.

Waiting periods are another vital component of pet insurance policies. They refer to the time between the start date of your policy and when coverage actually begins. Most pet insurance plans have a waiting period for both accidents and illnesses, which can range from a few days to several months.

Accidents usually have a shorter waiting period, often starting within 48 to 72 hours after the policy begins, while waiting periods for illnesses might last anywhere from 14 to 30 days or more. It's vital to note these periods because no claims can be made for accidents or illnesses that occur during the waiting period.

How to Find the Best Pet Insurance in Maine

Maine’s rugged landscapes and harsh winters create unique challenges for pet owners. Understanding these risks is essential when choosing the best pet insurance to keep your pet protected year-round.

Tick-borne diseases like Lyme disease and anaplasmosis are a major concern in the state, especially for pets that spend time in wooded or grassy areas. Regular tick prevention and frequent checks after outdoor activities are vital to reduce the risk of these illnesses.

Wildlife encounters with animals like skunks, coyotes, and foxes can expose pets to rabies, making up-to-date vaccinations an important part of your pet’s healthcare. Heartworm disease is another risk, with transmission through mosquitoes even in Maine’s cooler climate. Preventive medication is the best way to protect against this serious illness.

Maine’s cold winters add another layer of challenge for pets. Prolonged exposure to freezing temperatures can lead to frostbite or hypothermia, especially for short-haired or older pets. Providing warm shelter and limiting outdoor time during extreme cold can help keep them safe.

When choosing pet insurance in Maine, look for a plan that covers illnesses, preventive care, and emergencies. Comprehensive coverage will give you peace of mind and help ensure your pet stays healthy in Maine’s diverse environment.

Here are some important features Maine dog and cat parents should keep in mind when selecting the best pet insurance plan in the Pine Tree State:

• 24/7 vet helpline. Access to a 24-hour veterinary helpline for immediate advice on emergency care or general health questions can be incredibly valuable. This is especially true in a state like Maine, where seasonal changes and local wildlife can present unique challenges.
• Direct vet payments. Some insurance providers offer the option to pay your vet bills directly, so you don't have to pay out of pocket and wait for reimbursement.
• Wellness and routine care coverage. Choosing a policy that offers wellness and routine care coverage can help offset the costs of preventive care.
• Waiting periods. Consider the waiting periods for accidents and illnesses to ensure you understand when coverage will begin.
• Vet exam fees coverage. Having coverage for exam fees in Maine can lead to significant savings over time, making it easier to manage veterinary costs.
• Multi-pet discount. If you have multiple pets, look for providers that offer discounts for insuring more than one pet.

Maine Pet Laws

Known for its rugged coastline and dense forests, Maine also has well-defined pet laws to protect animals and ensure responsible pet ownership. Here’s what pet owners in the Pine Tree State should know:

• Cat laws. Maine's cat laws include rabies vaccination requirements and procedures for handling stray cats. The state even designated the Maine Coon as the official state cat.
• Dog laws. Maine requires all dogs to be licensed and enforces regulations on loose or dangerous dogs. There are also specific rules governing the sale of dogs.
• Animal cruelty. It is illegal to inhumanely kill, torture, injure, abandon, or mutilate an animal in Maine. Failing to provide necessary food, shelter, medical care, or clean living conditions is considered cruelty and can lead to serious penalties.
• Dangerous dogs. If a dog poses an immediate threat, Maine law allows anyone to protect themselves, another person, or a domesticated animal by killing the dog. Owners of dangerous dogs may be fined, and the dog could be ordered to be muzzled or euthanized, especially in cases involving serious injury or repeat attacks.
• Divorce and companion animals. In divorce cases, Maine courts consider the wellbeing of companion animals when determining ownership. Judges may evaluate factors such as emotional attachment, caregiving history, ability to provide care, and any record of domestic violence or animal abuse.

Portland Pet Laws

From the scenic waterfront of the Old Port to the green spaces of Deering Oaks Park, Portland has animal regulations in place to keep pets and the community safe. Here are some key rules pet owners in the city should know:

• Licensing. All dogs in Portland must be licensed according to Maine state law. Out-of-state visitors are exempt if they do not plan to become residents and comply with other local regulations.
• Leash laws. A dog is considered "at large" if it is off-leash on public streets or city-owned property, including certain parks and cemeteries. Some areas allow off-leash dogs if they are within 50 feet of their owner and under voice control, with a limit of three dogs per owner. However, dogs are not allowed off-leash in school yards, playgrounds, playfields, or East End Beach during certain times of the year.
• Off-leash incidents. If a dog attacks a person, animal, or property while at large and without provocation, the owner can face fines. Repeated violations lead to increasing penalties.
• Dangerous dogs. It is illegal to own or keep a dangerous dog, defined as one that attacks or threatens to attack a person, pet, or property without provocation. Owners can face financial penalties, and courts may require the dog to be muzzled, confined, or euthanized, particularly in cases of injury or repeated incidents.

Lewiston Pet Laws

Lewiston blends historic charm with a strong sense of community, and its pet laws help ensure a safe and responsible environment for both residents and animals. Here are some key regulations pet owners should follow:

• Dog limits. Households cannot have more than four dogs over four months old. Keeping more is considered a public nuisance.
• Animals at large. Pets must not roam freely, chase vehicles, or disturb people or other animals on public property.
• Leash requirements. Pets are welcome on city sidewalks, streets, and public spaces but must be on a leash or tether no longer than 16 feet. Some areas require a maximum leash length of four feet.
• Dangerous animals. Selling, owning, breeding, or training a dangerous animal without proper permits is illegal. Owners must register dangerous animals, carry at least $300,000 in liability insurance, and always keep them restrained on a leash or in a secure enclosure.

Bangor Pet Laws

With its scenic waterfront and access to vast green spaces like the Rolland Perry City Forest, Bangor is a great place for pet owners. To keep the city safe and pet-friendly, Bangor has specific pet laws that residents must follow:

• Running at large. Dogs roaming freely will be taken to the City Animal Shelter and held for at least eight days. If unclaimed, they may be humanely rehomed or euthanized. Owners of loose dogs may be cited in court instead of having their pets impounded.
• Leash requirements. Pets must be on a leash no longer than eight feet in designated areas, including Rolland Perry City Forest, Brown Woods, Cascade Park, and the Bangor Waterfront.
• Dog limits. Households may not keep more than three dogs over six months old. This doesn't apply to licensed breeders, veterinary hospitals, or boarding facilities.
• Barking restrictions. Between 10:00 p.m. and 6:00 a.m., dogs cannot be left in open-air enclosures if their barking disturbs neighbors. During the day, continuous barking for 15 minutes or more is also prohibited unless there are breaks of at least one minute.

Common Pet Risks in Maine

Maine’s wild terrain and changing seasons offer plenty of outdoor fun for pets but also bring unique challenges. Maine pet parents should be mindful of these common risks to keep their companions safe and healthy:

• Tick-borne diseases. Maine’s wooded areas and fields are home to ticks that carry diseases like Lyme disease, babesiosis, and anaplasmosis. These illnesses can cause fever, lethargy, and joint pain in pets. Regular tick checks and preventive treatments are essential, especially during the warmer months when ticks are most active.
• Rabies exposure. Wildlife like coyotes, skunks, and foxes are common in Maine and can carry rabies. Ensuring your pets are up to date on their rabies vaccinations is critical for their safety, especially if they spend time outdoors or in rural areas.
• Cold weather risks. Maine’s harsh winters can expose pets to frostbite and hypothermia. Short-haired breeds, older pets, and very young animals are especially vulnerable. Limiting outdoor time during extreme cold and providing warm shelter is vital for their well-being.
• Heartworm disease. Although heartworm is more common in southern states, it’s still a concern in Maine due to mosquito exposure. Year-round prevention is recommended to protect pets from this serious condition.
• Flea infestations. Fleas thrive in Maine’s humid summer months, causing skin irritations and allergic reactions in pets. Regular flea prevention and maintaining a clean living environment can help keep pets comfortable and healthy.
• Harmful algal blooms. Some of Maine’s lakes and ponds experience harmful algal blooms, which can release toxins harmful to pets if ingested. Dogs that swim or drink from affected water may experience vomiting, diarrhea, or more severe symptoms. Avoid letting pets near water with visible algae growth.

Veterinary Costs in Maine

According to Banfield Pet Hospital's Price Estimator, the average cost for a vet visit in Maine is $81. However, costs will be higher for emergency care or specialized treatments. Here's an overview of vet visit costs in five cities across the state:

Best Pet Insurance by City in Maine

As mentioned earlier, where you live can affect the cost of pet insurance. Here's an overview of the most affordable pet insurance providers in three major cities in Maine:

Methodology

The PetPlace team compiled this guide through research and analysis of publicly available data. Some of the factors we considered include policy rates, waiting periods, the availability of a 24/7 vet helpline, and wellness routine care coverage. Our goal is to provide helpful information for pet owners in Maine. However, we recommend conducting your own research, speaking to a licensed veterinarian, and considering your budget and your pet's specific needs before deciding on a pet insurance provider.

Best Pet Insurance in Maine FAQs

Recommended Resources

• 7 Essential Tips for Choosing a Pet Insurance Policy That’s Right for You
• Compare and Contrast Pet Insurance Providers
• How Are Pet Wellness Plans Different from Pet Insurance?
• Is Pet Insurance Worth It for an Indoor Cat?
• Pet Insurance: What It Covers
• Pet Insurance for Kittens