Home > Pet Insurance > The Best Pet Insurance in Massachusetts: Reviews, Cost & Coverage (2022)

The Best Pet Insurance in Massachusetts: Reviews, Cost & Coverage (2022)

Updated Nov 11, 2022

Updated Nov 11, 2022

Home > Pet Insurance > The Best Pet Insurance in Massachusetts: Reviews, Cost & Coverage (2022)

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Having a pet brings so much joy to our lives, but there are also problems with medical expenses for pets. Massachusetts pet insurance is a must if you want to ensure your pets are healthy and that you can always afford treatment should an accident or injury come about. We have looked at the best pet health insurance policies on the market and picked out the top 9 for pet owners in Massachusetts.

When comparing these policies, we looked at monthly costs, deductibles, reimbursements, wellness care options, and more.

Here are the 9 best pet insurance companies in Massachusetts.

The Best Pet Insurance Companies in Massachusetts

At House Method, we researched the individual coverage limits, deductibles, coinsurance rates, customer reviews, ease of use, and more of each pet insurance plan in Massachusetts. With dozens of options, it can sometimes be hard to narrow down this information and sort through exclusions, pre-existing conditions, covered congenital conditions, and more. Lemonade earned the best overall pet insurance policy in Massachusetts, but there are plenty of other great options to choose from. 

  1. Lemonade – Best Overall
  2. Spot – Most Customizable
  3. Wagmo – Best For Basic Wellness
  4. Embrace – Most Affordable
  5. Healthy Paws – Best For Unlimited Annual Coverage
  6. Pawp – Best For Multi-Pet Enrollment
  7. Figo – Shortest Waiting Periods
  8. Fetch Pet Insurance – Best For Vet Therapy Coverage
  9. Trupanion – Most Flexible Deductibles

Compare Pet Insurance in Massachusetts

All pet insurance providers are there to help when you are dealing with some of the most stressful moments as a pet parent. However, every pet insurance plan is different, with various coverage options, premiums, annual deductibles, and more. Looking at what your pet insurance covers, what parts of preventative care are included, and whether or not you or the insurance company pays the vet bills will help you narrow down which of these plans is the best for you and your pets.

ProviderSample Premiums (Dogs)Sample Premium (Cats)DeductibleReimbursement RatesAnnual LimitsBBB Rating
Lemonade$15-$50$11-$24$100,$250, or $50070%, 80%, or 90%$5000, $10,000, $20,000, $50,000, or $100,000D
Spot$15-$25$10-$25$100, $250, $500, $750, and $1,00070%, 80%, and 90%$2,500, $3,000, $4,000, $5,000, $7,000, $10,000, and unlimitedA
Wagmo$20-$59$20-$59$250, $500, or $100090% or 100%$5,000, $10,000, or unlimitedB-
Embrace$25-$55$20-$30$200, $300, $500, $750, and $1,00070%, 80%, and 90%$5,000, $8,000, $10,000, $15,000, and $30,000A+
Healthy Paws$30-$65$20-$30$250 or $50070% or 80%UnlimitedA
Figo$15-$74$10-$46$100 to $75070%, 80%, 90%, or 100%$5,000, $10,000, or unlimitedB
Fetch Pet Insurance$35-$45$15-$25$250 to $1000, in $50 increments70%, 80%, or 90%$5,000, $10,000, or $15,000, UnlimitedA+
Trupanion$47-$140$37-$85Varying amounts up to $100090%No Coverage LimitsN/A

What to Look for in Pet Insurance

Comparing one pet insurance quote to another takes a bit of knowledge about how these plans work and what is included. All of these plans will give you a free quote, but here are the things you should look for when comparing one quote to another. When we did our research on each of these plans, we couldn’t believe how different they all were.

contemplative cat sitting in a window sill
Lori M./Unsplash


Whether you are looking at illness plans or pet insurance coverage that handles wellness and hereditary conditions, you need your insurance provider to come through during the claims process. Reliability can be determined by checking the customer service reviews and even checking in with the state insurance division to check on overall claim payout rates and percentages.


As a general rule, most Massachusetts pet insurance companies exclude pre-existing conditions. This is unfortunate if you have a dog or cat in the middle of cancer treatments. Some pet insurance coverage will allow you to sign up if you have a pet with a curable condition. Also, make sure that you are seeing a licensed veterinarian who will accept your plan.


Some pet health insurance offers unlimited coverage caps, no deductible, or multi-policy discounts. Perks like multi-policy discounts and savings can help you save hundreds, if not thousands, of dollars on your pet insurance plan. Sometimes you can even find plans that give you a multi-pet discount.


Fees like copays, coinsurance, and even non-covered expenses should all be considered before signing up for a pet insurance plan in MA. Sometimes these additional fees will add up to more than your monthly payment. Choosing plans that cover a larger range of services can be smart to ensure you have fewer out-of-pocket expenses.

Pre-existing Conditions

Pre-existing condition coverage can be tough to find in Massachusetts. Policyholders will quickly find that regardless of the types of pets they own, it’s hard to find an insurance company willing to cover congenital conditions or illnesses that come up.

Renewable Benefits

If your pet needs a major surgery or treatment from a specialty licensed veterinarian because of a pre-existing condition, the current plan you have may cancel your benefits. Therefore it makes sense to look into policies that reward you for staying with them year after year and potentially lower the total costs of being a return customer.

Veterinarian Networks

Just as you have to check your network for health or dental insurance, you must also check it for veterinary care. Some veterinarians dislike working with certain insurance companies and will not accept their plans. In the Bay State, veterinarians change their accepted insurance providers year after year, so be sure to stay current on what is accepted.

Lemonade – Best Overall

Best Overall
  • Competitively affordable monthly premiums
  • Only a 48-hour waiting period for injuries
  • Offers speciality plan types for puppies and kittens

Why We Chose Lemonade Pet Insurance

Lemonade is our best overall pet insurance company for Massachusetts pet owners. This business has been in place for about six years, and they have developed a reputation for having a quick and efficient mobile app, fast claim payout, and affordable monthly payments. The Lemonade plan covers young puppies and kittens, something other plans will exclude.

One of our favorite benefits of the Lemonade brand is the online quoting system works almost entirely on AI. It takes just a few minutes to log in and see exactly what is covered under the plan and how you can get coverage. Lemonade is starting to offer some multi-policy discounts, which is undoubtedly helping keep the overall costs down.

Pros and Cons of Lemonade Pet Insurance


  • Fair monthly pricing
  • 48-hour waiting period for injuries
  • Specialty plan options for puppies and kittens
  • No age limits for coverage


  • No dental coverage
  • No live agent to work with

Lemonade Pet Insurance Cost & Coverage

The Lemonade pet insurance policies in Massachusetts start at around $15 for a dog and $11 for a cat. These very low-priced policies do not have quite as much coverage, but we can assure you it’s better than not having a plan in place. When choosing a lower deductible or higher annual limits, expect slightly higher costs. Like all pet insurance companies, Lemonade does have some exclusions, including pre-existing conditions, dental care, and behavioral treatments.

Cost & Coverage

  • Deductible: $100, $250, or $500
  • Reimbursement Rates: 70%, 80%, or 90%
  • Annual Limits: $5000, $10,000, $20,000, $50,000, or $100,000
  • Average Monthly Premiums: $15-$50 for dogs, $11-$24 for cats

Spot – Most Customizable

Most Customizable
  • Offers a 10% multi-pet discount
  • No upper age restrictions
  • Covers prescription pet foods and behavioral therapy

Why We Chose Spot Pet Insurance

Spot is the most customizable pet insurance company in Massachusetts. Customization in pet insurance matters. You will have more control over the average cost, and there are other benefits here, like no age restrictions for older pets.

The Spot plan allows for a 10% discount if you have more than one pet, which helps ensure the policy is well worth it. We like how Spot focuses on owner education and tries to help you have a better experience as a pet owner. Behavioral therapy and prescription dog food can also be covered to keep the veterinary bills and overall spending down.

Pros and Cons of Spot Pet Insurance


  • 10% discount for more than one pet
  • No age restrictions for older pets
  • Prescription pet food and behavioral therapy are included


  • No choice to pay your pet direction; all vet visits go through the insurance provider
  • 14-day waiting period for accident

Spot Pet Insurance Cost & Coverage

Pet insurance policies from Spot start at around $15 per month for dogs. The cat policies are a little more affordable and start around $10 per month. The lower-priced policies will have lower reimbursement rates, and things like wellness exams can have higher out-of-pocket costs. If you like to pick and choose coverage and change things from time to time, Spot is a company to consider.

Cost & Coverage

  • Deductible: $100, $250, $500, $750, and $1,000
  • Reimbursement Rates: 70%, 80%, or 90%
  • Annual Limits: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, and unlimited
  • Average Monthly Premiums:$15-$25 for dogs, $10-$25 for cats

Wagmo – Best For Basic Wellness

Best Basic Wellness Coverage
  • Has standalone wellness plans available
  • Quick claim reimbursement turnaround time
  • No upper age limits

Why We Chose Wagmo Pet Insurance

Wagmo pet insurance is the best-known basic wellness company for pets in Massachusetts. For pet parents, basic wellness can be hard to find coverage for. In addition to the Wellness plan that Wagmo offers, there are other plans for accident and illness policies that you can add on.

Another great benefit of Wagmo pet insurance is that they understand pets’ age, and you will still need that coverage in place. With high reimbursement rates, Wagmo also ensures you will not be paying much out of pocket. They have a fast claim reimbursement process that has made this company successful.

Pros and Cons of Wagmo Pet Insurance


  • You can purchase a standalone wellness plan
  • Quick claim reimbursement process
  • High reimbursement rates
  • No upper age limits


  • Lifetime payout limit
  • It does not include holistic care options

Wagmo Pet Insurance Cost & Coverage

Wagmo plans are a bit less customizable from a pricing standpoint than we have seen with other companies. The lower-priced plans from Wagmo start at around $20 and can continue up to over $50. Wellness plans are available separately and will cost more. The good news here is that you even have an option for unlimited annual limits and 100% reimbursement. For complete peace of mind, Wagmo is a smart choice. Vitamins, dental surgeries, and prescription food will not be part of the plan and are excluded.

Cost & Coverage

  • Deductible: $250, $500, or $1000
  • Reimbursement Rates: 90% or 100%
  • Annual Limits: $5,000, $10,000, or unlimited
  • Average Monthly Premiums: $20-$59

Embrace – Most Affordable

Most Affordable
  • Deductible diminishes by $50 for each year you don’t file a claim
  • Short two-day waiting period for injuries
  • Cheaper than average accident-illness coverage

Why We Chose Embrace Pet Insurance

Embrace is the most affordable pet insurance in the greater Massachusetts area. Affordability has to be a factor when you choose a pet insurance plan. If you think veterinary bills are expensive, try paying them without a plan in place. Embrace realizes that the entire reason you want a policy is to save money, and they ensure affordability.

With Embrace, there is only a two-day waiting period for claims which is much shorter than other companies in the industry. Embrace keeps lowering the deductible by $50 each year you have the plan in place. This helps from an affordability and policy retention standpoint.

Pros and Cons of Embrace Pet Insurance


  • Option for a Wellness Rewards plan
  • The deductible diminishes by $50 for each year you don't file a claim
  • Short two-day waiting period for injuries
  • Cheaper than average accident-illness coverage


  • Annual coverage limits do not go to unlimited like other plans
  • Customer service has mixed reviews and availability

Embrace Pet Insurance Cost & Coverage

Embrace plans for dogs range from $25 to $55 and $20-$30 for cats. The pricing seems higher than it is from other providers. However, the coverage is stronger, and the diminishing deductible helps keep it reasonably priced. In addition, choosing from five different annual limits and five different deductibles makes it a customizable choice.

Cost & Coverage

  • Deductible: $200, $300, $500, $750, and $1,000
  • Reimbursement Rates: 70%, 80%, and 90%
  • Annual Limits: $5,000, $8,000, $10,000, $15,000, and $30,000
  • Average Monthly Premiums: $25-55 dogs, $20-$30 cats

Healthy Paws – Best For Unlimited Annual Coverage

Best Unlimited Annual Coverage
Healthy Paws
  • All plan levels include unlimited annual and lifetime coverage
  • Offers direct vet payment options
  • Includes a 30-day money-back guarantee

Why We Chose Healthy Paws Pet Insurance

Healthy Paws is the best pet insurance in Massachusetts for unlimited annual coverage. Having unlimited annual coverage is something that 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 hereditary and chronic conditions.

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, Healthy Paws won’t put a coverage cap on you.

Pros and Cons of Healthy Paws Pet Insurance


  • All plan levels include unlimited annual and lifetime coverage
  • Offers direct vet payment options
  • Includes a 30-day money-back guarantee


  • No ability to customize for things like emergency care, microchipping, and hospitalization

Healthy Paws Pet Insurance Cost & Coverage

Healthy Paws pet insurance offers the best upper limits on a Massachusetts pet insurance policy because there aren’t any! With no annual limits and high reimbursement rates of 70 or 80%, this plan has a lot to offer. 

The deductible choices are just $250 or $500. The lower-priced deductible helps to get the plan’s overall costs down a bit. Expect payments to be in the $30-$65 range for dogs and the $20-$30 range for cats.

Cost & Coverage

  • Deductible: $250 or $500
  • Reimbursement Rates: 70% or 80%
  • Annual Limits: Unlimited
  • Average Monthly Premiums: $30-$65 for dogs, $20-$30 for cats

Pawp – Best For Multi Pet Enrollment

Best for Multi-Pet Enrollment
  • Up to six pets can be covered under one policy
  • Uses direct vet payment rather than reimbursements
  • All premiums are a flat-rate

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, the policy pricing is very easy to determine with Pawp; they offer one monthly price regardless of your pet’s age and type.

The Pawp policy is very straightforward. This is an accident and emergency type pet policy that works for both cats and dogs. The payment for services is sent directly to your vet, so there is very little you need to do.

Pros and Cons of Pawp Pet Insurance


  • Up to six pets can be covered under one policy
  • Uses direct vet payment rather than reimbursements
  • All premiums are a flat-rate
  • Some pre-existing conditions are covered but very limited


  • Wellness is not included but can be added
  • Emergency funds require a video call before being able to access

Pawp Pet Insurance Cost & Coverage

The coverage costs from Pawp are $24 for cats or dogs. These are flat-rate policies with little room for customization on the pet owner’s part. The plans are easy to qualify for and something that you can quickly get in place.

The vet is paid directly for 100% of the covered expense once the deductible is met.

Cost & Coverage

  • Deductible: $100, $250, or $500
  • Reimbursement Rates: Does Not Apply
  • Annual Limits: $3,000
  • Average Monthly Premiums: $24

Figo – Shortest Waiting Periods

Shortest Waiting Periods
  • Offers a 100% reimbursement option
  • Has a one-day waiting period for injuries
  • Includes coverage for curable pre-existing conditions

Why We Chose Figo Pet Insurance

Figo is the best pet insurance company in Massachusetts for waiting periods. When your pet is in the middle of a medical crisis, the last thing you want to do is wait for your pet insurance policy. If you sign up for Figo today and your pet is injured tomorrow, the plan will cover it.

With Figo, there are options for routine care coverages and three plans to choose from with varying price tiers. If your pet has a curable pre-existing condition, the Figo plan will cover it. Even this pre-existing condition qualifies for unlimited coverage if you pay for it.

Pros and Cons of Figo Pet Insurance


  • Offers a 100% reimbursement option
  • Has a one-day waiting period for injuries
  • Includes coverage for curable pre-existing conditions


  • No accident-only plan as an add-on option
  • Pricing is a bit higher than average

Figo Pet Insurance Cost & Coverage

The Figo Pet Insurance plans start at around $15 for a dog and as low as $10 for a cat. The higher you pay, the closer you can get to that unlimited annual coverage. It’s important to note that not all Figo plans have routine coverage included. Depending on where in the state you live, this can change.

Cost & Coverage

  • Deductible: $100 to $750
  • Reimbursement Rates: 70%, 80%, 90%, or 100%
  • Annual Limits: $5,000, $10,000, or unlimited
  • Average Monthly Premiums: $15-$74 for dogs, $10-$46 for cats

Fetch Pet Insurance – Best For Pet Therapy Coverage

Best for Vet Therapy Coverage
  • Standard coverage includes behavioral therapy and speciality treatments
  • No enrollment or cancellation fees
  • Includes vet exam fees

Why We Chose Fetch Pet Insurance

Fetch Pet Insurance has the best pet therapy coverage in Massachusetts. 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 understands the needs of a modern cat or dog.

In addition, the Fetch Pet Insurance plans come with an A+ rating from the BBB. The BBB ratings will vary based on issues with claims and congenital condition denial, but they are still good to look over to ensure you are getting a company you can trust.

Pros and Cons of Fetch Pet Insurance


  • Standard coverage includes behavioral therapy and specialty treatments
  • No enrollment or cancellation fees
  • Includes vet exam fees
  • Allows a reduction in premium when claims are not filed


  • Won't offer coverage for wellness
  • 15-day waiting period on all treatments
  • Requires annual checkup

Fetch Pet Insurance Cost & Coverage

The Fetch Pet Insurance starts at around $35 a month for dogs and $15 a month for cats. There are several options for coverage limits and deductibles, and unlimited annual limits are an option for an increased monthly payment.

Cost & Coverage

  • Deductible:($250 to $1000, in $50 increments
  • Reimbursement Rates: 70%, 80%, or 90%
  • Annual Limits: $5,000, $10,000, $15,000, or unlimited
  • Average Monthly Premiums: $35-$45 for dogs, $15-$25 for cats

Trupanion – Most Flexible Deductibles

Most Flexible Deductibles
  • Has lifetime per-condition deductibles vs. paying each year
  • Offers a $0 deductible option
  • Automatic unlimited annual coverage

Why We Chose Trupanion Pet Insurance

Trupanion is the best Massachusetts pet insurance company for flexible deductibles. The deductibles from Trupanion are different than those with other companies, allowing for a deductible for each coverage instead of a single deductible for the policy. No more having to make it to $500 or $1000 to access your policy; with Trupanion, you will reach the deductible much quicker.

Pros and Cons of Trupanion Pet Insurance


  • Unique plan setup with per-condition deductibles
  • Choice of a $0 deductible option
  • Unlimited annual coverage included with each plan
  • Won't raise premiums as your pets get older


  • Rehab, acupuncture, behavioral modification, and wellness are not included as part of the plan

Trupanion Pet Insurance Cost & Coverage

Prices start at around $47 a month for dogs and $37 a month for cats; many premium breed dog owners choose the Trupanion policies as these plans are a bit more money. The great thing about the plan is that the no annual coverage limit will help to ensure out-of-pocket costs are considerably lower for you.

Cost & Coverage

  • Deductible: Varying amounts up to $1000
  • Reimbursement Rates: 90%
  • Annual Limits: No Coverage Limits
  • Average Monthly Premiums: $47-$140 for dogs, $37-$85 for cats

Our Final Verdict

Hopefully, you now have the information you need to get your pet insurance policy in place. Once you find a licensed vet you want to work with, see if they take Lemonade pet insurance. This is the top plan in Massachusetts, and it will help you save time and money by going with a company like Lemonade. We always recommend you get a quote for more than one provider as it could save you quite a bit of money to compare coverages.

Massachusetts Pet Insurance FAQ

How Much Does Pet Insurance Cost in Massachusetts?

Pet insurance in Massachusetts can range from around $10 per month to more than $75 per month. Things like policy discounts and incentives, multi-pet policies, and even loyalty rewards can help you lower your pet insurance costs. Most plans increase in cost when you add lower deductibles and higher reimbursements.

How Much Does Pet Insurance Cost for Dogs in Massachusetts?

Dog insurance in Massachusetts is more expensive than cat insurance and typically starts at around $20 per month. The pricing is more like $40 per month for lower deductible plans.

How Much Does Pet Insurance Cost for Cats in Massachusetts?

Cat insurance in Massachusetts is a bit more affordable than dog insurance. Expect to pay around $15 a month, with policies going as high as $40 or even $50 per month.

What Does Massachusetts Pet Insurance Cover?

A pet insurance plan in Massachusetts will cover the costs of accidents and injuries, vaccinations, emergency care, medication, tests, and diagnosis. If your pet has heartworm, broken bones, or needs x- rays, chances are the plan will cover it. However, all plans are different. Things like spay and neuter procedures, hip dysplasia, dental cleanings, and other items may or may not be included in the plan.

Massachusetts Pet Laws

Boston Pet Laws

Dogs in Boston need to have a license. Any dog over the age of 6 months needs a rabies vaccine and a license to be able to avoid fines in the state of Massachusetts. This license is renewed every year.

Plymouth Pet Laws

In the Plymouth area, it is not necessary to license your pet, but you are required to ensure that they have some time of identification on them. In addition, Plymouth Pet Laws also state that you cannot have more than four pets in your home.

Nantucket Pet Laws

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

More Pet Insurance Resources