Best Pet Insurance in Massachusetts of 2025
Massachusetts pet owners have several options when it comes to protecting their furry friends with insurance. This guide analyzes the best pet insurance companies in Massachusetts, focusing on costs, coverage, and what matters most when choosing a policy.
Our Expert Picks
Based on our rigorous analysis, these are the top pet insurance providers in Massachusetts:
- Pets Best
- Embrace
- Healthy Paws
- Figo
These companies offer a range of plans to fit various budgets and needs. Factors considered include plan options, customer service, and the ability to pay vets directly.
Compare the Best Pet Insurance Companies in Massachusetts
*Rates are based on plans with unlimited annual coverage, a $250 deductible, and 80% reimbursement, or the closest option available.
How Much Does Pet Insurance Cost in Massachusetts?
The cost of pet insurance in Massachusetts varies depending on the type of coverage. On average:
- Dogs: $88 per month for unlimited annual coverage.
- Cats: $42 per month for unlimited annual coverage.
Rates can fluctuate based on the age, breed, and health of your pet, as well as the deductible, reimbursement level, and annual coverage limit you select.
Factors to Consider When Choosing Pet Insurance
To find the best pet insurance in Massachusetts, consider these key features:
- 24/7 Vet Helpline: Some insurers offer a helpline for immediate pet health questions.
- Direct Vet Payments: Look for companies that can pay your vet directly, reducing your upfront costs. Pets Best is one insurer that may allow this, pending your vet’s agreement.
- Multi-Pet Discounts: If you have multiple pets, inquire about multi-pet discounts.
- Wellness Coverage: Consider plans that include wellness or routine care coverage to help manage preventative costs.
- Waiting Periods: Understand the waiting periods for accidents and illnesses, as well as any specific conditions.
- Exam Fee Coverage: Check whether the policy covers vet exam fees for illness or injury.
Veterinary Costs in Massachusetts
Veterinary costs in Massachusetts are generally in line with the national average, but they can vary. Here’s a look at estimated costs:
- Average Vet Visit for a Dog: $59
The cost can increase depending on specific medical needs like dental work or blood tests. The following table reflects the typical costs of a veterinary visit in select cities in Massachusetts.
Methodology
Our ratings are based on the following criteria:
- Pet insurance rates (40%): Average rates in Massachusetts were calculated for various pet ages and coverage levels.
- Special waiting periods (10%): Plans with shorter or waived waiting periods for certain conditions received higher scores.
- Direct payment to vet (10%): Insurers with direct payment options earned points.
- 24/7 vet health line (10%): Access to a 24/7 vet health line was considered.
- Routine wellness plans (10%): The availability of wellness plans added to the score.
- Pays veterinary exam fees (10%): Plans covering exam fees received points.
- Euthanasia or end-of-life expenses (5%): Coverage for end-of-life expenses was considered.
- Multi-pet discount (5%): Availability of multi-pet discounts added to the score.
Massachusetts Pet Insurance Frequently Asked Questions (FAQs)
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Is pet insurance more expensive in Massachusetts? Massachusetts has relatively affordable pet insurance costs compared to some other states, but more expensive than some.
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What is the cheapest pet insurance in Massachusetts?
- For Dogs: Healthy Paws has the cheapest Massachusetts pet insurance, at an average of $37 per month for dogs for unlimited coverage.
- For Cats: Healthy Paws has the cheapest Massachusetts pet insurance, at an average of $19 per month for unlimited coverage.
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Is pet insurance worth it in Massachusetts? Pet insurance can prove worthwhile by offsetting steep veterinary bills. For example, if a dog needs surgery for a swallowed tennis ball with a $3,500 cost, pet insurance can offer the benefit.
