Get the Best Pet Insurance in Massachusetts in 2024

Sponsored by Figo Pet Insurance

If you're a pet owner in Massachusetts, finding the best pet health insurance policy can be challenging. Between the state’s snowy winters and opportunities for outdoor adventures, your pet faces unique risks year-round. That's why finding a budget-friendly plan that covers unexpected health needs is essential to keep your furry friend healthy and protected.

In this guide, we'll take a closer look at pet insurance options in Massachusetts, covering what types of coverage you should consider, typical costs, and the top providers. By the end, you’ll have a clearer understanding of how to choose a plan that gives you peace of mind in the Bay State.

Summary: Best Massachusetts 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

Embrace

Best for flexible policy options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

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 10/22/2024 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 Massachusetts?

According to our research, Massachusetts pet insurance costs an average of $51 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 $82 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 Massachusetts cities: Boston, a major urban center, and Waltham, an average-sized city for the state.

It's important to note that your own Massachusetts 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.

Cost of Pet Insurance for Dogs in Massachusetts

Per our research, the average cost of pet insurance for a medium-sized mixed breed dog in Massachusetts is $51 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 $82 monthly.

Cost of Pet Insurance in Massachusetts 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 Massachusetts:

Cost of Pet Insurance for Cats in Massachusetts

Pet insurance for cats is significantly cheaper than dog insurance in Massachusetts. The average monthly cost for cat insurance in the state ranges from $17 to $35, depending on factors such as age, annual coverage, breed, deductible, plan type, and reimbursement amount**.

Cost of Pet Insurance in Massachusetts 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 Massachusetts pet insurance, here are the average monthly rates for these breeds:

Cost Comparison for Pet Insurance Companies in Massachusetts

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 parents 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 Massachusetts

Massachusetts offers a unique set of challenges for pet owners, from harsh winters to the presence of wildlife and insect-borne diseases. Understanding these risks is key when selecting the right pet insurance policy.

Mosquitoes in Massachusetts can spread diseases like heartworm disease, while ticks pose a threat with Lyme disease and other serious illnesses. Alongside these health risks, the state's cold winters bring the danger of frostbite and hypothermia, especially for pets that spend a lot of time outdoors.

On top of that, wildlife such as coyotes can be a concern – particularly for smaller pets that may be more vulnerable. With these varied risks, it’s essential to keep your pet’s safety in mind year-round.

When choosing pet insurance, look for broad coverage that includes preventive care, treatment for common diseases, and emergency situations.

A more comprehensive plan will protect your pet against unexpected health issues, whether from illness, accidents, or environmental factors. This way, you can ensure that your pet is well-protected and covered for a variety of health needs.

Here are some important features to keep in mind when selecting the best pet insurance plan in the Bay 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 important in a state like Massachusetts, where extreme weather and wildlife can pose potential dangers for pets.
• 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. Veterinary costs in Massachusetts are higher than in many other states, so having coverage for exam fees can result in significant long-term savings.
• Multi-pet discount. If you have multiple pets, look for providers that offer discounts for insuring more than one pet.

Massachusetts Pet Laws

Massachusetts has put in place comprehensive animal laws to ensure the safety of pets, their owners, and the community. If you’re a pet owner in the state, it’s vital to understand these regulations to keep your pets safe and remain compliant with the law. Here are some of the most important rules Massachusetts pet owners should know:

• Rabies vaccination. All dogs, cats, and ferrets over six months must be vaccinated against rabies by a licensed veterinarian. This vaccination is required by law to prevent the spread of rabies, which can pose a serious health risk to both animals and humans.
• Dog licensing. All dogs over six months must be licensed annually. Owners must provide proof of rabies vaccination to obtain a license, and the license tag must be attached to the dog's collar at all times. This helps authorities quickly identify and return lost pets to their owners.
• Leash laws. Dogs must be leashed or under the owner's control in public spaces, including parks and neighborhoods. This law is in place to prevent accidents, keep pets from wandering, and ensure the safety of people and other animals.
• Tethering restrictions. Dogs cannot be tethered for more than five hours within a 24-hour period, and they must not be tethered outside during extreme weather conditions. This law ensures that dogs are not subjected to dangerous or inhumane treatment when left outside.
• Nuisance or dangerous dogs. If a dog is declared a nuisance or dangerous due to aggressive behavior or repeated incidents, stricter regulations apply. Owners may be required to confine or muzzle the dog, and in severe cases, the dog may be subject to euthanasia.

Boston Pet Laws

Boston’s mix of neighborhoods and parks creates a great environment for pets, but owners must follow specific city regulations to keep their animals safe and comply with the law. Here are some essential pet rules to know in Boston:

• Rabies vaccination and dog licensing. Dogs over six months must be vaccinated against rabies, with proof required for licensing. They must also be licensed annually, and the license tag should be attached to the dog's collar at all times.
• Leash laws. Dogs must be on a leash when off the owner's property, including parks and public areas, to ensure the safety of the community and other animals.
• Dog fouling. Pet owners are required by law to pick up after their dogs and dispose of waste properly. This applies to sidewalks, streets, parks, and private properties like neighbors' yards.
• Spaying and neutering. While not mandatory, spaying and neutering are strongly recommended to prevent roaming and promote better health. Pet owners receive a discount on licensing fees for spayed or neutered dogs.

Worcester Pet Laws

Worcester, known for its rich history and green spaces, enforces several animal laws to keep the city safe and enjoyable for both residents and pets. Here are some key pet regulations you won't want to overlook:

• Rabies vaccination. All dogs and cats over six months old must be vaccinated against rabies, along with other diseases, to comply with city regulations. This vaccination is necessary for pet licensing, helps prevent the spread of disease, and ensures the safety of both the pet and the community.
• Dog licensing. In Worcester, any dog over six months old must be licensed annually, regardless of whether it goes outside. Proof of current rabies vaccination is mandatory. The license tag, which costs $30 or $25 if the dog is spayed or neutered, must always be worn on the dog’s collar for identification. Violations can result in a $50 fine.
• Leash laws. Dogs must be leashed at all times in public spaces, including parks and sidewalks, to ensure safety and prevent unwanted interactions. This 24-hour leash law applies throughout the city, with violations subject to a $50 fine.
• Nuisance and dangerous dogs. Complaints about nuisance or dangerous dogs are investigated by an Animal Control Officer. A nuisance dog is one that disrupts the peace through excessive barking or causes damage, while a dangerous dog poses a threat without justification. The Chief of Police and other officials may initiate proceedings if necessary.

Springfield Pet Laws

Springfield, Massachusetts, home to the Basketball Hall of Fame and numerous parks, has animal laws in place to ensure the safety of both pets and people. Whether you're walking your dog in a neighborhood or enjoying the city's parks, it's important to know the rules. Here are a few key pet laws every Springfield pet owner should follow:

• Rabies vaccination and licensing. All dogs, cats, and ferrets over three months old must be vaccinated against rabies by a licensed veterinarian. Proof of vaccination is required for licensing, which must be renewed annually. Dogs must wear their license tags at all times for easy identification and proof of vaccination.
• Leash laws and animal restraint. Springfield requires dogs to be leashed or under control whenever they are off their owner’s property, including in public parks and sidewalks. This prevents wandering, potential accidents, and unwanted interactions with other pets or people.
• Noise control. Persistent barking or howling that disturbs neighbors can result in fines. Pet owners are responsible for managing their dog’s noise levels, especially in residential areas, to avoid complaints and penalties.
• Prohibition on the sale of pets by pet shops. As of 2021, Springfield has prohibited the sale of dogs, cats, and rabbits by pet shops. This law aims to prevent the promotion of animals bred in inhumane conditions like puppy mills and supports adopting pets from shelters or rescue organizations.

Common Pet Risks in Massachusetts

Massachusetts can be a challenging place for pets, with risks like cold winters, mosquito-borne diseases, and wildlife encounters. Here are some common pet risks in the Bay State to consider when selecting a pet insurance policy:

• Mosquito-borne diseases. Mosquitoes in Massachusetts can transmit diseases like heartworm disease, which can be life-threatening if not treated. Preventive measures, such as monthly heartworm preventatives, are essential during mosquito season.
• Tick-borne illnesses. Massachusetts is known for its high number of ticks, which carry Lyme disease and anaplasmosis. Pets that spend time outdoors are at increased risk, so regular tick prevention and veterinary checkups are essential.
• Harsh winter conditions. Cold winters in Massachusetts can expose pets to frostbite and hypothermia. Pets left outside for long periods or those that live outdoors are particularly vulnerable, making winter care a priority.
• Wildlife encounters. Pets, especially smaller animals, can be at risk from wildlife such as coyotes and bobcats. Coyotes, which are common in both rural and suburban areas, can attack unattended pets.
• Poisonous plants. Many common plants in Massachusetts, like lilies and oleander, can be toxic to pets if ingested. Pet owners should be aware of what’s growing in their yard or neighborhood and keep pets away from harmful plants.

Veterinary Costs in Massachusetts

According to Banfield Pet Hospital's Price Estimator, the average cost for a vet visit in Massachusetts 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 Massachusetts

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

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 Massachusetts. However, we recommend conducting your own research, speaking to your vet, and considering your budget and your pet's specific needs before deciding on a pet insurance provider.

Best Pet Insurance in Massachusetts 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