Best Pet Insurance in Maine
Choosing pet insurance can feel overwhelming with so many options available. This guide helps you navigate the choices and find the best pet insurance in Maine for your dog or cat.
We’ve analyzed numerous plans, focusing on cost, coverage, and customer service. This information can help you make an informed decision and protect your pet’s health.
Our Expert Picks
Here’s a look at some of the top-rated pet insurance providers in Maine:
- Pets Best
- ManyPets
- Spot
- AKC
- Figo
Compare the Best Pet Insurance Companies in Maine
Rates are based on plans with unlimited annual coverage, a $250 deductible, and 80% reimbursement, or the closest option available. Source: Forbes Advisor research.
The Best Pet Insurance Companies in Maine
Forbes Advisor’s ratings take into account fees, rates, rewards, and other specific attributes. All ratings are based solely on our editorial team’s evaluation.
Pets Best
- Maximum annual coverage: $5,000 or Unlimited
- Average monthly cost: $38 for dogs; $22 for cats (Unlimited coverage)
- Deductible choices: $50, $100, $200, $250, $500 or $1,000
Our Expert Take: Pets Best’s Plus plan stands out due to its comprehensive basic coverage and competitive prices for unlimited annual coverage.
Pros & Cons
- Provides a 24/7 pet telehealth line.
- Can pay your vet directly if the vet agrees.
- Covers the vet exam fee.
- Be aware: There is a 6-month waiting period for cruciate ligament coverage.
- The Plus plan does not cover alternative therapies, but it does include treatments like acupuncture and chiropractic care if your pet needs rehabilitation.
ManyPets
- Maximum annual coverage: Unlimited
- Average monthly cost: $48 for dogs; $30 for cats (Unlimited coverage)
- Deductible Choices: $500 or $750
Our Expert Take: ManyPets stands out in our analysis with its unique and valuable coverage features.
Pros & Cons
- Reimburses vet exam fees related to illnesses or accident visits
- Offers an optional wellness plan
- Waiting periods for illnesses or accidents can be reduced to 24 hours when switching from another insurer.
- Lacks a 24/7 pet telehealth line
- Does not cover behavioral therapy or alternative therapies
Spot
- Maximum annual coverage: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000 or Unlimited
- Average Monthly cost: $83 for dogs; $40 for cats (Unlimited coverage)
- Deductible Choices: $100, $250, $500, $750, or $1,000
Our Expert Take: Spot has an excellent selection of annual coverage options and deductible choices.
Pros & Cons
- No special waiting periods for conditions like cruciate ligament problems.
- Offers a 24/7 pet telehealth line.
- Includes coverage for alternative and behavioral therapies.
- Will pay the vet directly if you request it and your vet accepts direct payment.
- Can be more costly than some other companies.
AKC
- Maximum annual coverage: $2,500, $5,000, $7,500, $10,000, $15,000, or Unlimited
- Average monthly cost: $54 for dogs; $28 for cats (Unlimited coverage)
- Deductible Choices: $100, $250, $300, $400, $500, $600, $750, or $1,000
Our Expert Take: AKC is a good choice if you want a variety of coverage options and deductibles to fit your budget.
Pros & Cons
- Does not cover microchipping, stem cell treatment, or prescription food.
- Offers a 5% multi-pet discount.
- Covers pre-existing conditions after 12 months.
- Provides access to a 24/7 pet healthline.
- Cannot pay vets directly. You’ll need to pay upfront and submit for reimbursement.
- There’s a 14-day accident waiting period.
Figo
- Maximum annual coverage: $5,000, $10,000, or Unlimited
- Average monthly cost: $66 for dogs; $24 for cats (Unlimited coverage)
- Deductible Choices: $100, $250, $500, $750, $1,000, or $1,500
Our Expert Take: Figo’s policy includes coverage for dental illnesses and end-of-life expenses.
Pros & Cons
- Offers a 100% reimbursement option.
- A wellness plan is available.
- A 24/7 telehealth line is included with policies.
- Figo’s 6-month waiting period for orthopedic issues can be waived if your veterinarian signs an orthopedic condition waiver within the first 30 days after the policy purchase.
- There’s an extra cost for coverage for vet exam fees.
How Much Does Pet Insurance Cost in Maine?
On average, pet insurance in Maine costs:
- $50 per month for a dog
- $25 per month for a cat
This is based on a policy with $5,000 of annual coverage, a $250 deductible, and 80% reimbursement.
A policy with unlimited annual coverage, a $250 deductible, and an 80% reimbursement level averages:
- $76 per month for a dog
- $36 per month for a cat
How to Find the Best Pet Insurance in Maine
When looking for pet insurance, consider these features when assessing your choices:
- 24/7 Vet Helpline: Some companies offer free access to a 24/7 vet telephone line.
- Direct Vet Payments: Companies like Pets Best and Trupanion can pay the vet directly.
- Multi-Pet Discount: Many insurers offer discounts for insuring multiple pets.
- Wellness or Routine Care Coverage: Consider policies with optional wellness plans for regular checkups.
- Waiting Periods: Understand the waiting periods before coverage starts.
- Vet Exam Fees: Confirm if the plan covers vet exam fees for accidents or illnesses.
Veterinary Costs in Maine
While the general cost for a vet visit in Maine is around $50 for dogs, costs can go up for services such as dental care and surgery. Costs vary by city:
- Lewiston: $77
- Portland: $77
Methodology
The best Maine pet insurance was determined using a scoring system focused on the following:
- Pet insurance rates (40% of score): Average rates in Maine were calculated for plans with unlimited coverage, a $250 deductible, and 80% reimbursement. Rates were obtained for dogs aged 3 months, 2, 5, and 7 years.
- Special waiting periods (10% of score): Companies with no waiting periods, those with waiting periods shorter than 6 months, or options to waive the waiting periods were scored higher.
- Direct payment to vet (10% of score): Companies that could pay vets directly received points.
- 24/7 vet health line (10% of score): Insurers offering a 24/7 vet health line earned points.
- Routine wellness plans (10% of score): Insurers with optional wellness plans received points.
- Pays veterinary exam fees (10% of score): Plans that cover the vet exam fee received points.
- Euthanasia or end-of-life expenses (5% of score): Companies that cover end-of-life expenses, such as euthanasia, cremation, or burial fees, gained points.
- Multipet discount (5% of score): Insurers offering a multipet discount earned points.
Maine Pet Insurance FAQs
- Is pet insurance more expensive in Maine? Maine’s average pet insurance costs are lower when compared to states like Arizona, California, and Florida. However, pet owners in Connecticut and Maryland pay more.
- What is the cheapest pet insurance in Maine? Among our analysis, the lowest average insurance price for dogs in Maine is offered by ASPCA, with a price of $18 per month for their unlimited coverage plan. For cats, ASPCA has the cheapest pet insurance, at an average of $18 per month for unlimited coverage.
- Is pet insurance worth it in Maine? The value of pet insurance can be determined by how much a large vet bill could affect your finances. For example, if you’ve paid about $50 per month for three years ($1,800 total), and your dog develops a medical condition costing $3,500, then with a $250 deductible and an 80% reimbursement level, your out-of-pocket cost would be $900. Therefore, you would have paid $2,700 total, and saved $800 by having pet insurance.
