Best Pet Insurance in Massachusetts: Reviews, Cost, and Coverage (2023)

Having pets brings so much joy to our lives, but they can also incur significant medical expenses that mean financial challenges. Massachusetts pet insurance is a must if you want to ensure your pets are healthy and that you can always afford treatment should they experience an illness or injury.

We’ve examined the best pet health insurance policies on the market and identified the top nine for pet owners in Massachusetts. Comparing these policies, we looked at monthly costs, deductibles, reimbursements, wellness care options, and more.

9 Best Pet Insurance Companies in Massachusetts

These are the nine best pet insurance providers in the Bay State:

• Lemonade: Best Overall
• Spot: Most Customizable
• Wagmo: Best for Basic Wellness Coverage
• Embrace: Most Affordable
• Healthy Paws: Best for Unlimited Annual Coverage
• Pawp: Best for Multi-Pet Coverage
• Figo: Shortest Waiting Periods
• Fetch: Best for Vet Therapy Coverage
• Trupanion: Most Flexible Deductibles

Compare Pet Insurance in Massachusetts

The following table details the coverage provided by each pet insurance company we chose. Premiums are estimated using a large mixed-breed dog (70+ pounds) and a medium-sized domestic short-haired cat in a Boston ZIP code. Your numbers may vary based on your specific pet and coverage needs.

Provider	Sample Premiums (Dogs)	Sample Premium (Cats)	Deductible	Reimbursement Rates	Annual Limits	BBB Rating*
Lemonade	$15–$50	$11–$24	$100, $250, or $500	70%, 80%, or 90%	$5000, $10,000, $20,000, $50,000, or $100,000	Not rated
Spot	$15–$25	$10–$25	$100, $250, $500, $750, and $1,000	70%, 80%, or 90%	$2,500, $3,000, $4,000, $5,000, $7,000, $10,000, and unlimited	A
Wagmo	$20–$59	$20–$59	$250, $500, $1000	90% or 100%	$5,000, $10,000, or unlimited	B
Embrace	$25–$55	$20–$30	$200, $300, $500, $750, and $1,000	70%, 80%, and 90%	$5,000, $8,000, $10,000, $15,000, and $30,000	A+
Healthy Paws	$30–$65	$20–$30	$250 or $500	70% or 80%	Unlimited	A
Pawp	$24	$24	None	None	$3000	Not rated
Figo	$15–$74	$10–$46	$100 to $750	70%, 80%, 90%, or 100%	$5,000, $10,000, or unlimited	B+
Fetch	$35–$45	$15–$25	$250 to $1000, in $50 increments	70%, 80%, or 90%	$5,000, $10,000, or $15,000, Unlimited	A+
Trupanion	$47–$140	$37–$85	Varying amounts up to $1000	90%	No Coverage Limits	Not rated

* Better Business Bureau Ratings are accurate as of December 2022.

Lemonade: Best Overall

Why We Chose Lemonade Pet Insurance

Lemonade is our best overall pet insurance company for Massachusetts pet owners. It’s developed a great reputation for affordable monthly premiums, fast claims payout, and an efficient mobile app for pricing coverage and managing your policy.

Lemonade Pet Insurance Coverage and Plans

Lemonade offers one standard accident-and-illness policy. Some important conditions and treatments it covers are:

• Accidental poisoning
• Allergies
• Arthritis
• Broken bones
• Cancer treatment
• GI issues like vomiting
• Heart diseases
• Hereditary conditions
• Hip and elbow dysplasia
• Hospitalization
• Prescription medications
• Sprains and ligament tears
• Surgery

Lemonade’s waiting periods align with the industry standard of two days for injuries and 14 days for illnesses. Lemonade also excludes the following from its base coverage:

• Alternative care
• Anal gland expression
• Breeding and pregnancy
• Dental care
• Grooming and cosmetic/elective procedures
• Microchipping
• Spaying and neutering

To further supplement its available base plans, Lemonade also offers the following optional preventative care packages and coverage riders:

Preventative Care:

• 1 annual wellness exam
• 1 heartworm test or FeLV/FIV test
• 3 vaccines or boosters
• 1 complete blood count or chem blood test
• 1 fecal or internal parasite test

Preventative+:

• 1 annual wellness exam
• 1 heartworm or FeLV/FIV test
• 3 vaccines or boosters
• 1 complete blood count or chem blood test
• 1 fecal or internal parasite test
• Flea, tick, or heartworm medication
• Routine dental cleaning

Preventative for Puppies/Kittens:

• 2 annual wellness exams
• 1 heartworm test or FeLV/FIV test
• 6 vaccines or boosters
• 1 complete blood count or chem blood test
• 2 fecal or internal parasite tests
• Microchipping
• Flea, tick, or heartworm medication
• Spaying or neutering procedure

Optional Add-ons:

• Physical therapy
• Vet visit fees
• Dental illness
• Behavioral conditions
• End-of-life and remembrance services

Lemonade Pet Insurance Cost

Lemonade pet insurance policies in Massachusetts start at around $15 for a dog and $11 for a cat.

• Monthly Premiums: $11 to $50
• Reimbursement Rates: 70%, 80%, or 90%
• Coinsurance: 60%, 70%, 80%, or 90%
• Annual Payout Limits: $5,000, $10,000, $20,000, $50,000, or $100,000
• Deductibles: $100, $250, or $500

Lemonade offers a 10% bundle discount (with Lemonade auto, renters, or homeowners insurance), a 5% multi-pet discount, and a 5% discount for paying annually instead of monthly. 

Learn more: Lemonade pet insurance review

Get a quote: Lemonade offers free quotes online to see what a policy would cost in your area.

Spot: Most Customizable

Why We Chose Spot Pet Insurance

Spot is our top pick in Massachusetts for customization. With numerous options for monthly premiums, reimbursement rates, deductibles, and coverage limits, you’ll have more control over your monthly costs than with most competitors.

We also like how Spot focuses on pet owner education, offering videos and information on its website to help you learn how to have a happier and healthier pet.

Spot offers accident-only and accident-and-illness policies:

• Accident-only plan: This policy covers common accidents, including general injuries, poisoning, broken bones, car-related injuries, accidental swallowing, and more.
• Accident-and-illness plan: Along with coverage for accidents, this policy covers illnesses and conditions, including hip dysplasia, congenital conditions, diabetes, cancer, dental complications, heart disease, and behavioral issues.

Spot doesn’t include wellness in its basic plans but has an add-on option for wellness coverage, including preventative care, dental care, diagnostics, and vaccinations. There are no coverages for pre-existing conditions in any plans from Spot.

Spot Pet Insurance Cost

Massachusetts pet owners can expect to pay about $15 to $25 per month for a Spot pet insurance policy. 

• Monthly Premiums: $10 to $25
• Reimbursement Rates: 70%, 80%, or 90%
• Coinsurance: 30%, 20%, or 10%
• Annual Payout Limits: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, or unlimited
• Deductibles: $100, $250, $500, $750, or $1,000

The Spot plan provides a 10% discount if you have more than one pet—great for the budgets of multi-pet parents.

Get a quote: You can get a free quote from Spot Pet Insurance to see how its policies stack up against the competition.

Wagmo: Best For Basic Wellness

Why We Chose Wagmo Pet Insurance

Wagmo is best known for providing basic wellness coverage, which can be difficult to find. The Wagmo wellness plan has a quick turnaround time for reimbursements to cover vet bills, vaccinations, and medications for your pet. Wagmo also has no age limits, so it’s a great option for senior pets.

Massachusetts pet owners will find that Wagmo has three plan options for wellness and preventative care:

• Accident-and-illness coverage: This plan covers behavioral therapy, orthopedic issues, surgery, and certain hereditary conditions.
• Routine care coverage: This plan covers routine dental work, some repeat vaccinations, and heartworm medications.
• Wellness coverage: This wellness coverage includes examination fees, medications, and vet visit fees. 

Wagmo offers some great options when it comes to coverage limits and deductibles. Keep in mind that there is a $100,000 coverage limit on the policy, but this is over the lifetime of the pet.

Some exclusions from Wagmo include pre-existing conditions, bilateral conditions, prescription food, vitamins and supplements, spaying/neutering, boarding,

Wagmo Pet Insurance Cost

The average cost of Wagmo pet insurance is between $20 and $59 per month. With the nationwide average being around $50 per month, Wagmo is considered average when it comes to total costs.

• Monthly Premiums: $20 to $59
• Reimbursement Rates: 90% or 100%
• Coinsurance: 10% or 0%
• Annual Payout Limits: $5,000, $10,000, or unlimited
• Deductibles: $250, $500, or $1,000

Get a quote: Wagmo provides free quotes, making it easy to compare this provider to others.

Embrace: Most Affordable

Why We Chose Embrace Pet Insurance

Embrace is the most affordable pet insurance in Massachusetts. With an average policy for a 3-year-old premium breed dog being just $37 a month, the Embrace pricing falls well below the $50 national average. Additionally, Embrace lowers its deductible by $50 each year you don’t file a claim.

Like many other pet insurance providers Embrace offers two plans. One of Embrace’s plans is the accident-and-illness policy, and the other is for wellness. You can purchase both plans from Embrace.

• Accident-and-Illness Plan: This plan covers most accidents and illnesses, including injuries related to car accidents, broken bones, poisoning, torn ligaments, accidental ingestion, cancer, allergies, arthritis, and bloat.
• Optional Wellness Rewards Plan: The wellness plan includes coverage for grooming, routine checkups, vaccinations, well visits and even spaying and neutering. The spaying and neutering coverage in Embrace Pet Insurance is a rare find; most companies do not offer this.

Embrace’s long list of coverages include prescription diets, chronic conditions, X-rays, cancer medications, and hip dysplasia. To get the most benefit from these coverages, the Wellness plan needs to be in place.

Embrace Pet Insurance Cost

Embrace policies cost between $25 and $55 per month. A great money-saving factor with Embrace is that your policy will decrease by $50 every year you go without a claim filed. Over time this is a considerable saving.

• Monthly Premiums: $20 to $55
• Reimbursement Rates: 70%, 80%, or 90%
• Coinsurance: 30%, 20%, or 10%
• Annual Payout Limits: $5,000, $8,000, $10,000, $15,000, or $30,000
• Deductibles: $200, $300, $500, $750, or $1,000

Get a quote: Embrace has free quotes available to pet owners in Massachusetts.

Healthy Paws: Best For Unlimited Annual Coverage

Why We Chose Healthy Paws Pet Insurance

Healthy Paws is the best pet insurance in Massachusetts for unlimited annual coverage, which other pet insurance companies charge a premium for. With Healthy Paws, you will not have to worry about an annual limit. In addition, you get coverage for emergencies, hereditary or congenital conditions, cancer, and chronic conditions.

Healthy Paws only has one plan available. This plan is an accident-and-illness plan, and there are no wellness options from Healthy Paws. Some of the coverages included are:

• Alternative therapies such as acupuncture and chiropractic
• Cancer treatments
• Congenital conditions
• Diagnostic tests
• Hereditary conditions
• Hospitalization
• Prescription medications
• Some dental conditions
• Treatment for injuries and illness

Most claims from Healthy Paws are processed within two days. This is an impressive turnaround. Lifetime coverage from Healthy Paws also ensures that regardless of your dog or cat’s age and the issues they have had in the past, the company won’t impose a coverage cap. Healthy Paws has just one plan, and it includes a 30-day money-back guarantee if you have not filed any claims.

Healthy Paws Pet Insurance Cost

Healthy Paws is known for more premium pricing; most policies fall within $30 to $65 per month. In addition, Healthy Paws also requires a $25 nonrefundable sign-up fee.

• Monthly Premiums: $20 to $65
• Reimbursement Rates: 70% or 80%
• Coinsurance: 30% or 20%
• Annual Payout Limits: Unlimited
• Deductibles: $250 or $500

Get a quote: Check out Healthy Paws’ free pet insurance quotes to see if this company fits your budget.

Pawp: Best For Multi-Pet Coverage

Why We Chose Pawp Pet Insurance

Pawp is the best pet insurance in Massachusetts when you have more than one pet. Pawp is flexible and reasonably priced so that you can budget ahead of time. In addition, you have 24/7 video visit access across the Pawp pet insurance network. What is unique about Pawp is that you work more with their virtual vets than with an in-person vet in our area.

Pawp’s basic plans don’t cover emergency vet visits or medications. Instead, the company offers additional supplementary coverage for both. For emergency care, this will be up to $3,000 per year. One benefit that helps Pawp stand out from other providers is that it will cover emergency treatment even if there is a pre-existing condition in place. To access emergency funds from Pawp, you will have a video call, and the in-network virtual vet will determine the next steps.

Pawp is a bit more like a membership than a pet insurance provider, offering perks like discounts on medication. You can add wellness coverage, but it does come at added costs.

Pawp Pet Insurance Cost

Pawp only costs $24 per month for coverage for up to six pets. Keep in mind this is mostly just access to the virtual vet network. Accidents and wellness visits are not included.  For Massachusetts pet owners, the cat and dog pricing is the same from Pawp.

• Monthly Premiums: $24
• Reimbursement Rates: N/A
• Coinsurance: N/A
• Annual Payout Limits: $3,000
• Deductibles: $100, $200, or $500

Get a quote: You can join Pawp’s vet membership for just $24 per month.

Figo: Shortest Waiting Period

Why We Chose Figo Pet Insurance

Figo is the best pet insurance company in Massachusetts for waiting periods. When signing up for a pet insurance policy, there is typically a waiting period of anywhere from two days to two weeks. With Figo your waiting period is just one day. Essentially your policy will go into effect just 24 hours after paying for your premium. If your pet is injured the day after the plan starts you will have Figo coverage in place.

There are three Figo plans to choose from, and they cover accidents and illnesses. The only difference between the Figo plans is their annual coverage limit. The Essential Plan has a $5000 annual limit, the Preferred has a $10,000 payout, and Unlimited comes with an unlimited annual payout limit.

Some of the coverages that are included in the Figo Pet insurance plans include:

• Accidental ingestion and poisoning
• Cancer treatments
• Emergency care
• Hospitalizations
• Unexpected illness

In addition, Figo offers three add-on options to help increase the coverage of these plans. These options include:

• Wellness: Includes routine checkups and preventative care
• Vet Exam Package: Includes diagnostics and vet visit fees
• Miscellaneous Package: includes pet theft, boarding, and damage to property that your pet caused

All three of Figo’s pet insurance plans will exclude pre-existing conditions for the life of the policy. In addition, hip dysplasia is excluded for the first six months of coverage.

Figo Pet Insurance Cost

With Figo offering three policies and several different add-on packages, you can expect a wide range in pricing. The averages range from $15 to $74 per month. For example, a labradoodle three years of age is $47 a month for the Preferred Plan with a $10,000 annual payout limit and a $250 deductible. If you want to include vet fee coverage, it’s about $10 per month, and the extra care is $6 per month extra.

We were quoted $24 a month for a cat for the same Preferred Plan. The coinsurance here is 80%, representing a fairly middle-of-the-road type policy.

• Monthly Premiums: $10 to $74
• Reimbursement Rates: 70%, 80%, 90%, or 100%
• Coinsurance: 30%, 20%, 10%, or 0%
• Annual Payout Limits: $5,000, $10,000, or unlimited
• Deductibles: $100 to $750, with a high degree of customization within that range

Get a quote: You can head to the company’s website for a free quote from Figo for your pet insurance needs.

Fetch Pet Insurance: Best For Veterinarian Therapy Coverage

Why We Chose Fetch Pet Insurance

For those with special treatment and behavioral concerns, Fetch could be a good match for you. Many pet insurance plans will not offer pet therapy, but Fetch knows the needs of a modern cat or dog. It is one of the only pet insurance providers to cover alternative and holistic care: things like acupuncture, chiropractic treatment, and hydrotherapy.

In addition to Fetch’s therapy coverage, its extensive accident-and-illness coverage also helps make it a great pet insurance provider for those that are looking for peace of mind.

There is only one plan available from Fetch, but it does allow for a large amount of customization. Fetch pet insurance plan is an accident-and-illness policy. Some coverage included: 

• Breed-specific medical conditions
• Cancer treatment
• Diagnostic tests, including MRIs
• Holistic and chiropractic care
• Hospitalization
• Imaging and ultrasounds
• Injuries and illnesses
• Licensed veterinary specialists
• Surgery and rehabilitation
• Tooth injury and disease
• Up to $1,000 per year for missing pet advertising and reward
• Veterinary exam fees
• Virtual veterinarian visits, up to $1,000 per year

One of the negatives of Fetch is that it does not have a wellness package that you can add on. There are also no additional packages to supplement the main plan.

Fetch Pet Insurance Cost

Fetch quoted us $37 a month for our sample dog and $29 for the cat. The policy had a $5000 annual payout, a $300 deductible, and an 80% reimbursement rate. Fetch does offer an unlimited coverage option, but the pricing on that will be considerably higher.

• Monthly Premiums: $15 to $45
• Reimbursement Rates: 70%, 80%, or 90%
• Coinsurance: 30%, 20%, or 10%
• Annual Payout Limits: $5,000, $10,000, $15,000, or unlimited
• Deductibles: $250 to $1,000, with options at every $50 interval

Fetch will also reward you by reducing premiums if you do not file claims for an extended period of time.The

Get a quote: Fetch makes comparing quotes a breeze by providing free estimates to all customers.

Trupanion: Most Flexible Deductibles

Why We Chose Trupanion Pet Insurance

Trupanion‘s deductibles work differently from those of other pet insurers, allowing for a deductible for each illness or injury instead of a single deductible for the entire policy. No more having to make it to $500 or $1000 to access your policy; with Trupanion, you will reach the deductible much quicker.

The deductible from Trupanion is a lifetime per incident deductible. This means it is applied only once to any given condition. The deductible is then satisfied for the lifetime of your pet. Once the deductible amount has been met for any given injury or illness, all medical costs associated with that injury (or illness) will be eligible for coverage. With Trupanion, you can choose any deductible from $0 to $1,000. In fact, this is one of the only policies on the list that has a zero deductible option.

There is only one Trupanion plan and it is an accident-and-illness plan. This plan includes

• Cancer treatments
• Congenital conditions
• Dental disease
• Herbal therapy
• Hereditary conditions
• Prescription food
• Prescription medications
• Prosthetic devices
• Supplements purchased through a vet
• Treatment, hospitalization, and surgery for injuries and illnesses

There are two add-on options with Trupanion:

• Pet Owner Assistance: This add-on covers boarding, advertising, and rewards for lost or stolen pets. In addition, third-party property damage caused by your cat or dog can also be included.
• Recovery and Complementary Care: This add-on option covers alternative treatments. These treatments include acupuncture, behavioral therapy, chiropractic care, and physical therapy.

When it comes to exclusions, the Trupanion policy does not allow for any wellness coverage.

Trupanion Pet Insurance Cost

Our 3-year-old labradoodle was quoted at $160 per month with a $200 deductible, unlimited annual payouts, and a 90% reimbursement rate. For  cat owners, the price was around $100 per month. An add-on for pet owner assistance is $5 per month for either a cat or dog. The Recovery and Complementary Care option is $12 extra per month.

• Monthly Premiums: $37 to $140
• Reimbursement Rates: 90%
• Coinsurance: 10%
• Annual Payout Limits: Unlimited
• Deductibles: From $0 to $1,000, with a high degree of customization

Get a quote: You can get a free estimate for pet health insurance from Trupanion by filling in some basic information on the company’s website.

What To Look For in Pet Health Insurance

Comparing one pet insurance plan to another in Massachusetts takes some knowledge of how the policies work, what they cover, and what they don’t. All insurers will give you a free quote, and below, we’ve outlined plan aspects you should look for when comparing the quotes you gather.

• Coverage: Pet insurance plans usually cover accidents, illness, and, sometimes, wellness visits. Every pet insurance plan has different coverage limits and deductibles. The coverage is limited at times because of exclusions for pre-existing conditions, but some plans include coverage for congenital conditions and hereditary conditions.
• Coverage Limits: A coverage limit is how much the pet insurance company will pay toward your pet’s care in a given year. Some pet insurance policies also have a lifetime coverage cap or limit that applies to the entire time you have been with a pet insurance provider. Some plans have unlimited coverage limits, but these are more expensive.
• Deductibles: The deductible is the amount you will pay before accessing your policy benefits. The lower the deductible of the plan, the higher the cost of the policy. You can choose a high deductible plan with a $1000 deductible, but that means you will come out of pocket for $1000 before your policy benefits go into place.
• Premiums: Pet insurance premiums are paid monthly. The specific amount you pay per month is based on the coverage you choose. When you purchase comprehensive or extensive coverage your monthly rates will be considerably higher. Premiums are paid whether you use the policy or not.
• Reimbursement Rate and Coinsurance: The reimbursement rate is how much your pet insurance provider pays after you have reached your deductible. If you have hit your deductible and need a treatment for $1000, you will pay for 20% of the costs, and the provider will pay 80%. Some policies will have you pay the vet directly and get a check for reimbursement. Other companies will pay the vet directly, so you don’t have to come out of pocket.

Massachusetts Pet Laws

The State of Massachusetts requires that all dogs and cats be vaccinated for rabies by the time they are six months old, and boosters are also required.

Boston Pet Laws

Dogs in Boston need to be licensed by the City with the license renewed every year.

Nantucket Pet Laws

Nantucket Pet Laws require you to have a pet on a leash at all times in public, including in parks and on beaches and sidewalks.

Plymouth Pet Laws

In the Plymouth area, all dogs must be licensed before they are six months old. Plymouth Pet Laws also require special licensing when you have more than four pets.

Final Thoughts: Best Pet Insurance in Massachusetts

You’ll get great coverage with any of the providers on our list, but we recommend Lemonade pet insurance for most Massachusetts pet owners. Lemonade hits the sweet spot for cost and coverage, while providing enough customization options to make it easy for pet owners to fit a plan to their pets’ needs. If you need even more to tailor your policy, look at Spot, and for the most affordable plans, consider Embrace.

We always recommend that you get quotes from multiple providers to find the coverage that best fits your pet at a price that fits your budget.

Pet Insurance Ranking and Review Methodology

House Method’s editorial team behind our pet insurance content is committed to providing research-backed, unbiased, and actionable advice for anyone considering a pet healthcare plan. To do so, we rely on our proprietary composite rating system, which appraises each featured insurer based on its independent performance in eight overarching categories.

Supporting evidence behind each score assigned is solely leveraged from verified data sources, including but not limited to insurers’ public-facing websites, state and national regulator indexes, credit rating agencies, verified consumer review platforms, and more.

Each pet insurance provider has the potential to achieve an aggregated maximum value of 10 points across the eight main scoring categories and its 34 more granular subcategories. After passing through the full rating system, a provider’s total score is translated into a star rating, including full and half-star increments between 1 and 5.

All reviews of pet insurance providers and related products published on House Method consider the following eight primary data points, accompanied by the maximum points possible for each:

• Coverage (2.0): This category evaluates the breadth and customizability of policy options offered to pet owners. We focused on available base plan variations—specifically the inclusion of accident-only, accident-and-illness, or both—as well as preventative care coverage and elective wellness add-ons.
• Standout Inclusions (1.0): We awarded more points to providers who considered certain veterinary services, such as behavioral therapy and holistic treatment options, as standard inclusions rather than listing them as an add-on. Points were withheld from providers that charged extra for similar services.
• Monthly Premiums (2.0): Ratings in this category are defined by where a pet insurance provider’s monthly rates fall relative to the industry average premium of $49 per month for dogs and $29 for cats. Companies that kept lower-than-average pricing scored higher than those that exceeded it.
• Annual Coverage Limits (1.0): Coverage limits, also sometimes called payout maximums, define the total maximum claim amount a policyholder can file per year. Some companies also enforce lifetime limits. Providers who offered an unlimited annual coverage option scored highest in this category. From there, the narrower the maximum limit offered, the lower each carrier scored.
• Deductibles (0.5): This category considers the range of deductible amounts offered by providers. Companies with four or more deductible options received more points than those with three or fewer. We also made a note of whether deductible options were annual or per-incident.
• Discounts (1.0): Companies with ample savings opportunities for new joiners and renewing members received favorable ratings in this scoring category.
• Waiting Periods (0.5): While all pet insurance providers have waiting periods, some are more stringent than others. Those with shorter waiting periods for accidents and/or illness naturally scored higher. Points were deducted from providers with lengthy wait times for chronic or orthopedic conditions.
• Customer Service (2.0): This section considers overall consumer experience, ease of communication with company representatives, and general accessibility. Our highest ratings were given to providers with 24/7 customer care, mobile app availability, an instant online quote feature, and a hassle-free claims submission process.

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