Best Pet Insurance in Massachusetts (2025)

Pet insurance provides peace of mind. It lets you care for your pet if it becomes ill or has an accident. And with pet wellness coverage, you can take proactive steps to identify and prevent health issues through annual vet checks.

The average cost of pet insurance in Massachusetts is $74 per month, according to data from Fletch, Insurify’s pet insurance partner. Without insurance, you might struggle to cover the veterinary costs needed to care for your pet.

Here’s how to find pet insurance for your furry friend in the Bay State.

Best pet insurance companies in Massachusetts

You have a lot to consider when looking for the best pet insurance company in Massachusetts. In addition to price, you want to find a company that offers the deductible, annual limit, and reimbursement options that meet your needs. Luckily, many great insurance companies in Massachusetts offer highly customizable plans and reasonable rates.

The following table highlights three of the top insurance companies in Massachusetts.

Lemonade: Best for cheap rates

• Sample monthly quote for dogs: $22

• Sample monthly quote for cats: $14

• Plans available: Accident and illness, extended accident and illness, preventive care, optional add-ons

In addition to cheap rates, Lemonade pet insurance offers a range of deductible options, annual limits, and reimbursement options so you can customize to your preferences. The company also offers several add-on insurance options, including veterinarian visit fees, dental illness, behavioral conditions, physical therapy, and end-of-life services. 

You can take advantage of a 5% multi-pet discount if you have multiple pets. And if you buy another type of insurance from Lemonade, including renters, homeowners, auto, or term life, you can save 10% with a bundling discount.

Spot: Best for customization

• Sample monthly quote for dogs: $50

• Sample monthly quote for cats: $24

• Plans available: Accident and illness, accident only, preventive care

Spot pet insurance offers coverage for cats and dogs. Pet parents can customize their plan with annual limits ranging from $2,000 to unlimited and deductibles starting at $100 up to $1,000. You can choose from an accident and illness or accident-only plan and can add on preventive care, which includes dental cleaning, spaying or neutering, and annual wellness exams. Plans for cats and kittens start at $9 per month, and dog and puppy plans start at $15 per month.

Embrace: Best for curable pre-existing conditions

• Sample monthly quote for dogs: $44

• Sample monthly quote for cats: $31

• Plans available: Accident and illness, wellness, add-ons for exam fees and prescription drugs

While pet insurance companies generally don’t cover pre-existing conditions, Embrace distinguishes between curable and incurable pre-existing conditions. This means you can insure your pet if its condition has been symptom-free for 12 months. It’s easy to customize your pet insurance plan with deductibles ranging from $100 to $1,000 and annual limits from $2,000 to unlimited.

Cost of pet insurance in Massachusetts

The average monthly cost of pet insurance in Massachusetts is $74. This is higher than the national average of $67. The average monthly premiums in Massachusetts are $26 for cat insurance and $51 for dog insurance.

The neighboring state of Connecticut has a higher monthly average of $80, while Rhode Island is lower, at $64.

Why pet insurance is important if you live in Massachusetts

Massachusetts residents should consider pet insurance for the following reasons:

• Parvovirus: Massachusetts has had recent outbreaks of parvovirus. This highly contagious disease can easily spread between dogs and is often deadly. Symptoms include severe vomiting, diarrhea, fever, and lethargy. Dog owners can protect their pets by ensuring they have the necessary vaccination.

• Wildlife: Coyotes and other wildlife life in Massachusetts could pose a threat to your dog or cat. To prevent an attack, it’s best to keep cats indoors when they’re not supervised. Installing fencing and ensuring no food sources sit outdoors can help protect your dog. Pet insurance can help cover you if your dog or cat is in an accident, like a coyote attack.

• Ticks: Ticks are prevalent in Massachusetts and can spread harmful diseases, including Lyme disease. Dogs and outdoor cats are especially susceptible to ticks, so it’s important to check your pet after it’s been outside, keep your yard clean, and get tick-prevention treatments, which insurance can help with if you have a wellness plan.

Massachusetts pet regulations and laws

If you’re a pet owner in Massachusetts, you’ll want to know about some pet regulations, including:

• Leash laws: In Massachusetts, leash laws can vary from town to town. In towns like Sharon, dogs are required by law to be on a leash when off your property. Check your town’s website for more information.1

• Spay and neuter laws: Shelters in Massachusetts aren’t allowed to sell or give away a dog or cat until it’s spayed or neutered. There’s an exception if you give a written agreement and deposit of no less than $40 to the shelter.2

• Vaccinations: Massachusetts law requires you to vaccinate your pet for rabies by the time it’s 6 months old. Your pet should get its second vaccination one year after the first one.3

Types of pet insurance coverage

Insurance companies typically offer three types of pet insurance: accident and illness, accident only, and wellness coverage. Accident and illness provides the most comprehensive coverage and is typically more expensive. Accident-only coverage provides a cheaper alternative but only covers new injuries and emergencies related to accidents.

Accident and illness coverage is the most popular option among American pet owners, according to the North American Pet Health Insurance Association.4

Accident and illness plan

Accident and illness insurance provides comprehensive coverage. These plans typically cover a combination of accidents, chronic conditions, cancers, and genetic conditions. Many insurers also include coverage for dental illnesses, such as gingivitis, broken teeth, extractions, and periodontal disease.

Accident and illness plans typically don’t cover pre-existing conditions, breeding and pregnancy, cosmetic surgeries, and experimental procedures.

Examples of covered injuries and illnesses include:

Accident-only plan

An accident-only plan is a cheaper but less comprehensive option. It covers diagnostic services and treatment related to new injuries and emergencies from an accident. An accident-only plan doesn’t cover chronic or acute illnesses or preventative care.

Here are some examples of what an accident-only policy typically covers:

• Accidents

• Bite wounds

• Broken bones

• Cuts

• Insect bites or stings

• Motor vehicle accidents

• Swallowed objects

• Torn nails

• Toxic ingestion

Wellness plan

Pet wellness plans typically cover regular checkups, vaccinations, and other preventive treatments to help with early detection and prevention of possible health issues. Many pet insurers offer wellness plans as additional coverage that you can add to your accident and illness or accident-only plan.

Wellness pet insurance plans typically cover:

• Annual wellness exams

• Bloodwork

• Fecal test

• Flea, tick, and heartworm medication

• Microchipping

• Routine dental cleaning

• Vaccinations

How to find the best pet insurance in Massachusetts

Here are some things you can do to find the best pet insurance in Massachusetts:

Massachusetts pet insurance FAQs