Pet Insurance in Maine: Compare the Best Pet Insurance Companies and Most Affordable Quotes

If your pet requires medical treatment, having pet insurance in Maine could save you thousands of dollars. Knowing you're covered can provide reassurance that your dogs will be covered in the event of an emergency. Some programs provide preventive treatment to keep your dogs healthy.

We obtained data from the best pet insurance providers in Maine, including in Portland, Bangor and Lewiston. This study allowed us to determine the average costs of pet insurance in Maine, along with typical coverage options, to assist you in selecting the appropriate coverage for your pet.

To find the average cost of pet insurance in Maine, MoneyGeek reviewed hundreds of quotes, along with policy and coverage details. Based on pricing and product options, we identified the top pet insurance providers in the state.

Your specific prices will vary based on the breed, age and medical history of your pet. Shop around for quotes from several providers to ensure that you're obtaining the best coverage for your budget and needs.

The cost of pet insurance in Maine varies by area, coverage level and your pet's age and breed. The average monthly cost of dog insurance in Maine is $27.38 for a $5,000 coverage limit, $51.75 for a $10,000 in coverage and $51.33 for unlimited coverage. Cats are usually less costly to insure, at an average of $15.03 per month for $5,000 in coverage, $25.85 for $10,000 in coverage and $34.32 for unlimited coverage.

Your pet's age, deductible amount and whether you choose any additional features or treatments also affect the cost. Each insurer evaluates these criteria differently — make sure to shop around for estimates from several providers before selecting a policy.

MoneyGeek wants to help pet owners in Maine understand the options most companies in Maine offer in their pet insurance policies. Available features typically include:

• Annual Reimbursement Limits: Ranges from $3,000 to unlimited
• Deductible: $250 to $500, but some companies offer higher or lower options
• Bill Reimbursement Percentage: 70% to 90%

Some pet owners in Maine will seek less expensive plans with more minor coverage levels to control their monthly spending or because they simply do not need as much insurance coverage. Other pet owners in Maine may prefer insurance with high coverage limits to guarantee their pet is adequately covered.

Higher-limit policies are often more costly, and the ordinary pet owner may not need unlimited coverage. However, these insurance provide the highest level of protection for the animal members of your family. The following table details average coverage levels for Maine pet insurance consumers.

Consider a plan with a low annual maximum, a large deductible and a low reimbursement percentage if you're looking to keep prices down. We examine Maine pet insurance plans with a $5,000 coverage maximum, a $500 deductible and an 80% reimbursement rate in the table below.

Aside from particular traits like your pet's age and breed, your location may also affect insurance costs, due to variance in prices for care in each area. For example, many cities in Maine have a higher cost of living than the national average, which results in increased vet medical expenses and insurance rates.

Certain cities may also include an increased risk of accidents for your pets, due to weather, traffic or other dangers. This may also result in an increase in your insurance rates.

Pet insurance costs are determined by several factors, including the kind of pet you own, its age, the level of coverage and your location. Most plans allow policyholders to tailor coverage limits to their specific needs.

MoneyGeek believes that data helps us make better financial decisions. For pet insurance, our data team gathered thousands of quotes across the 13 largest providers to help you find the most affordable policy to meet your pet's needs.

To determine the best pet insurance companies in Maine, MoneyGeek built a detailed rating system by analyzing each company’s product offerings and costs. For the MoneyGeek rating score, we weighted affordability by coverage level at 50% of the total score and weighted our 24 qualitative research policy option data points at 50%.

To determine the cheapest pet insurance companies in Maine and affordability scores, MoneyGeek gathered quotes by company across many zip codes in Maine for four pet types with the following coverage levels:

• Low Coverage: $5,000 coverage, $500 deductible, 80% reimbursement
• Average Coverage: $10,000 coverage, $250 deductible, 80% reimbursement
• High Coverage: Unlimited coverage, $250 deductible, 90% reimbursement