Get the Best Pet Insurance in Vermont in 2025

Sponsored by Figo Pet Insurance

If you’re a pet owner in Vermont, finding the right pet health insurance can seem like a challenge. With the Green Mountain State’s love for outdoor adventures and its famously cold winters, pets face their fair share of risks year-round. Having a reliable and affordable insurance plan can help you handle unexpected vet bills while keeping your furry friend happy and healthy.

In this guide, we’ll cover pet insurance options in Vermont, including what to consider when choosing coverage, typical costs, and the top providers available. By the end, you’ll have the tools to choose a plan that suits your budget and gives your pet the protection they deserve all year long.

Summary: Vermont 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 3/27/2025 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 Vermont?

According to our research, Vermont pet insurance costs an average of $37 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 $59 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 Vermont cities: Burlington, a major urban center, and Bennington, an average-sized city for the state.

It's important to note that your own Vermont 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 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 Vermont

The average cost of pet insurance for a medium-sized mixed breed dog in Vermont is $37 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 $59 monthly.

Cost of Pet Insurance in Vermont 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 Vermont:

Cost of Pet Insurance for Cats in Vermont

Pet insurance for cats is significantly cheaper than dog insurance in Vermont. The average monthly cost for cat insurance in the state ranges from $12 to $40, depending on factors such as age, annual coverage, breed, deductible, plan type, and reimbursement amount**.

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

Cost Comparison for Pet Insurance Companies in Vermont

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 Vermont

Vermont’s scenic landscapes and changing seasons make it a wonderful place for pets to thrive. However, these same features also bring unique challenges, making the right pet insurance essential to protect your furry friend from the state's common risks.

Tick-borne illnesses, especially Lyme disease, are a major concern in Vermont’s wooded and grassy areas. Regular tick prevention and checks after outdoor activities are essential for keeping pets safe. Rabies is another risk, with wildlife like raccoons, skunks, and bats serving as common carriers. Keeping pets up to date on vaccinations is the best defense.

Vermont’s long, cold winters can put pets at risk for hypothermia and frostbite if they spend too much time outdoors without proper shelter. Providing a warm, insulated space and limiting outdoor exposure in freezing conditions can help prevent cold-related health issues.

Some plants commonly found in Vermont can be toxic to pets if ingested. Knowing which plants to avoid and keeping them out of reach helps prevent accidental poisoning.

A comprehensive pet insurance plan that covers preventive care, vaccinations, and emergency treatments ensures your pet is protected year-round.

Here are some important features to keep in mind when selecting the best pet insurance plan in the Green Mountain 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 Vermont, where harsh weather and local wildlife can create potential risks 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. 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.

Vermont Pet Laws

From its scenic hiking trails to pet-friendly small towns, Vermont has animal regulations in place to protect animals and promote responsible pet ownership. Here’s what pet owners in the state should know:

• Animal cruelty. Vermont law prohibits overworking, torturing, abandoning, poisoning, or cruelly beating an animal. Owners must also provide proper food, water, shelter, sanitation, and necessary medical care.
• Assistance animals. Vermont has laws protecting the rights of individuals with assistance animals and guide dogs, ensuring they have access to public spaces and housing.
• Dog and wolf-hybrid regulations. The state has laws covering licensing, control, and the sale of dogs and wolf-hybrids. There are also specific rules for dogs in hunting and wildlife interactions.
• Rescuing animals from vehicles. Vermont allows individuals to forcibly enter a vehicle to rescue an unattended animal or child if necessary, without being held liable for damages – provided they follow the legal steps.
• Trapping laws. If a dog or cat is accidentally caught in a trap, the responsible person must report it to a fish and wildlife warden or the Department of Fish and Wildlife within 24 hours. The department maintains records of these incidents.

Burlington Pet Laws

From the shores of Lake Champlain to the bustling Church Street Marketplace, Burlington has animal ordinances in place to promote responsible pet ownership and community well-being. Here’s what pet parents should keep in mind:

• Animal impoundment. The city maintains a pound for animals subject to impoundment, with designated poundkeepers appointed by the mayor. Their duties and compensation follow state regulations.
• Nuisance animals. Owners can be penalized if their pets harass passersby or vehicles, attack other animals, damage property, relieve themselves outside their own property without cleanup, or cause excessive noise that disrupts the peace.
• Bite reporting. If an animal bites someone, the owner must report the incident to the city health officer within 24 hours. The attending physician is also required to file a report, detailing the circumstances of the bite.
• Exotic pet restrictions. All animals, except domestic dogs, domestic cats, and the European ferret, are considered exotic pets and are subject to specific regulations in city parks and the Church Street Marketplace.

South Burlington Pet Laws

With picturesque landscapes like Red Rocks Park and bustling shopping spots on Dorset Street, South Burlington enforces animal regulations to maintain a safe and tidy community. Here’s what pet owners should be aware of:

• Licensing and identification. All dogs and cats must be licensed per state law and wear a collar or harness with their current license attached. Visiting dogs must also display a valid license from their home state. Pets without proper identification may be immediately impounded, and the city charges annual licensing fees.
• Nuisance animals. Owners are responsible for making sure their pets don't create a nuisance. This includes preventing pets from running at large, ensuring female dogs or cats in heat are properly confined, addressing excessive noise made by their pets, and cleaning up any waste their pets leave in public or on private property.
• Impoundment authority. Enforcement officials can impound dogs and cats for various reasons, including repeat offenses, running at large when the owner cannot be found, or if the animal is deemed a danger. Owners must pay penalties and impound fees before reclaiming their pets and may need to take corrective actions, such as obtaining a license.
• Penalties for violations. The city imposes civil penalties and waiver fees for infractions related to nuisances, licensing, and humane care. Fines increase with repeat violations within a rolling 12-month period.

Colchester Pet Laws

From the shores of Malletts Bay to the quiet neighborhoods along Blakely Road, Colchester has pet laws designed to keep the community safe and enjoyable for everyone. Here are some important rules to keep in mind:

• Licensing and identification. All dogs must be licensed per state law and wear a collar or harness with a current license. Visiting dogs must also display a valid license from their home state. Dogs without proper identification may be immediately impounded.
• Running at large. Dogs must be leashed, in a vehicle, on their owner’s premises, on another’s property with permission, or clearly under control. Unrestrained dogs are considered a nuisance and may be impounded.
• Waste removal. Owners must promptly clean up and dispose of their dog’s waste in public areas or on private property. Failure to do so is considered a nuisance.
• Impoundment and dangerous dogs. The town may impound dogs in various situations, such as if they pose an imminent danger, have bitten a person requiring medical attention, or violate licensing laws. Owners must pay penalties and take corrective action before reclaiming their pet.

Common Pet Risks in Vermont

Vermont’s forests, mountains, and seasonal weather bring both adventure and risks for pets. From parasites to extreme temperatures, pet owners should be aware of potential hazards to keep their furry companions safe.

• Tick-borne diseases. Vermont’s wooded and grassy areas are home to ticks that can transmit Lyme disease and anaplasmosis. These illnesses can cause fever, joint pain, and fatigue in pets. Year-round tick prevention, regular checks, and prompt removal help reduce the risk.
• Rabies. Wildlife like raccoons, skunks, and bats are common rabies carriers in Vermont. Unvaccinated pets are at risk of exposure through bites or scratches. Keeping rabies vaccinations up to date is the best way to protect pets from this deadly disease.
• Cold weather hazards. Vermont’s long winters bring freezing temperatures, snow, and ice, which can lead to frostbite and hypothermia in pets. Short-haired breeds, elderly pets, and small animals are especially vulnerable. Limiting outdoor time and providing a warm shelter help prevent cold-related health issues.
• Toxic plants. Some plants commonly found in Vermont, such as false hellebore and wild parsnip, can be toxic to pets if ingested. Symptoms can range from mild stomach upset to severe poisoning. Being aware of hazardous plants in your yard and on trails can help prevent accidental ingestion.
• Wildlife encounters. Vermont is home to wildlife like coyotes, bobcats, and fishers, which can pose risks to unattended pets. These animals may attack small pets or carry diseases. Supervising outdoor time and keeping pets on a leash in wooded areas helps prevent dangerous encounters.

Best Pet Insurance by City in Vermont

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 Vermont:

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 Vermont. 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 Vermont 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?
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• Pet Insurance: What It Covers
• Pet Insurance for Kittens