Lemonade ranks as Maryland's best pet insurance for cats and dogs, offering comprehensive coverage and quality service. AKC, Pumpkin, Pets Best and Spot also provide strong coverage options.
Best Pet Insurance in Maryland
Updated: November 9, 2025
Advertising & Editorial Disclosure
Key Takeaways
Lemonade ranks as Maryland's best pet insurance, with monthly rates starting at $9. It combines competitive pricing with excellent customer service.
Lemonade has the cheapest pet insurance for dogs in Maryland at $51 per month, while Pumpkin offers the lowest premiums for cats at $21.
Compare insurance plans and coverage options to balance cost and protection for your pet's needs.
Best Pet Insurance Companies in Maryland
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| Lemonade | 4.50 | $51 |
| AKC | 4.15 | $69 |
| Pets Best | 4.10 | $61 |
| Spot | 3.80 | $68 |
| Pumpkin | 3.75 | $62 |
| Rainwalk | 3.75 | $79 |
Lemonade
Best Overall
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate for Dogs
$51Average Monthly Rate for Cats
$24Overall Reddit Sentiment
72% positiveMaximum Annual Limit
$100,000
Best Pet Insurance by Dog Breed
AKC ranks first for most dog breeds in Maryland, while Lemonade and Pets Best work well for specific breeds.
Data filtered by:
Affenpinscher
| Pets Best | 4.35 | $27 |
| Lemonade | 4.3 | $31 |
| AKC | 4.25 | $59 |
| Rainwalk | 4.2 | $57 |
| Spot | 4 | $48 |
Best Pet Insurance by Cat Breed
AKC dominates pet insurance rankings for most cat breeds in Maryland, with Pets Best and Lemonade as strong alternatives. Find the best coverage for your cat's breed below.
Data filtered by:
Abyssinian
| AKC | 4.4 | $50 |
| Lemonade | 4.35 | $25 |
| Rainwalk | 4.3 | $47 |
| Pets Best | 4.3 | $32 |
| Spot | 4.15 | $35 |
Cheapest Pet Insurance in Maryland
Lemonade offers Maryland's most affordable dog insurance at $51 monthly or $607 yearly. For cats, Pumpkin provides the lowest-cost coverage at $21 monthly or $253 yearly.
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| Lemonade | $51 | $607 | -33% |
| Pets Best | $61 | $738 | -18% |
| Pumpkin | $62 | $739 | -18% |
| ASPCA | $63 | $761 | -16% |
| Met Life | $66 | $791 | -13% |
| Hartville | $68 | $809 | -11% |
| Spot | $68 | $816 | -10% |
| AKC | $69 | $834 | -8% |
| Liberty Mutual | $71 | $851 | -6% |
| Rainwalk | $79 | $944 | 4% |
| Figo | $80 | $966 | 7% |
| Embrace | $101 | $1,213 | 34% |
| Fetch | $103 | $1,237 | 37% |
| Nationwide | $110 | $1,324 | 46% |
Cheapest Maryland Pet Insurance by Dog Breed
Lemonade, Pumpkin and Pets Best offer the most affordable dog insurance in Maryland, with rates starting at $17 monthly.
Data filtered by:
Affenpinscher
| Pets Best | $27 | $329 | -53% |
| Lemonade | $31 | $372 | -47% |
| Pumpkin | $37 | $439 | -37% |
| ASPCA | $44 | $533 | -24% |
| Fetch | $46 | $557 | -20% |
Cheapest Maryland Pet Insurance by Cat Breed
Pets Best (13 wins), Lemonade (8 wins) and Pumpkin (8 wins) offer the most affordable coverage across cat breeds, with rates starting at $15 monthly.
Data filtered by:
Abyssinian
| Lemonade | $25 | $296 | -58% |
| Pets Best | $32 | $383 | -45% |
| Pumpkin | $34 | $408 | -42% |
| Spot | $35 | $419 | -40% |
| Hartville | $35 | $421 | -40% |
How Much Is Pet Insurance in Maryland?
Maryland pet insurance averages $89 monthly for dogs and $46 for cats. Dog insurance costs 2% less than national averages, while cat coverage runs 1% higher.
Data filtered by:
$5,000
$500
80%
| Cat | $46 | $550 | 0% |
| Dog | $89 | $1,062 | -2% |
How to Get the Best Cheap Pet Insurance in Maryland
Finding the best cheap provider and coverage plan in Maryland can be difficult. Here's how to find the best pet insurance for your needs:
- 1Evaluate Your Pet's Coverage Needs First
Consider your pet's age, breed and potential health risks when choosing coverage levels. Ask your vet about common health issues for your pet's breed to determine appropriate coverage amounts.
- 2Look for Insurance Discounts
See if you qualify for savings through multi-pet plans or annual payment discounts. Many Maryland insurers offer reduced rates for military members and spayed or neutered pets.
- 3Check Insurance Company Ratings
Review customer feedback and financial strength ratings of providers. Focus on companies with strong records for prompt claims payment and customer service.
- 4Get Multiple Insurance Quotes
Get quotes from at least three insurers for identical coverage levels to ensure you're getting competitive rates.
- 5Review Your Policy Annually
Pet insurance rates often increase as pets age or if you file claims. Compare rates from other providers each year to confirm you're getting competitive rates.
Best Pet Insurance in Maryland: Bottom Line
Lemonade ranks as our top pick for Maryland pet insurance for dogs and cats. For budget-conscious pet owners, Lemonade offers the most affordable dog coverage, while Pumpkin provides the best cat insurance rates.
Compare multiple plans to find the right balance of cost and coverage for your pet.
Pet Insurance in Maryland: FAQ
Here are answers to frequently asked questions about Maryland pet insurance:
What are the best pet insurance companies in Maryland?
Based on our analysis, Lemonade, Pumpkin, AKC and Pets Best rank as Maryland's leading pet insurance providers, offering comprehensive coverage for your pets.
Which company has the cheapest pet insurance in Maryland?
Lemonade and Pumpkin offer the most competitive rates in Maryland. Monthly premiums start at $51 for dogs and $21 for cats.
How much is pet insurance in Maryland?
Maryland pet insurance costs around $550 annually for cats and $1,062 for dogs. Annual premiums across the state range from $67 to $13,089, depending on coverage and pet factors.
What is the best way to find the right pet insurance provider?
Start by determining your pet's specific coverage needs based on age, breed and health history. Research multiple providers' reputations through customer reviews and industry ratings. Compare policy details, coverage limits and deductibles from at least three companies. Get quotes from top-rated insurers to find competitive rates that match your requirements.
How We Found the Best and Cheapest Pet Insurance in Maryland
We reviewed 20 major pet insurance companies in the U.S., compared their policies, and collected sample quotes for Maryland residents. To make our comparisons fair, we used the following standard profile:
- $5,000 annual coverage limit
- 80% reimbursement rate
- $500 deductible
- six-year-old Labrador Retriever (for dogs)
- seven-year-old Ragdoll (for cats)
Our Company Rating System
This simple rating system combines pricing data, customer feedback and coverage details to give a full picture of each provider:
- Affordability (50% of score): Based on proprietary quote data across different coverage levels, pet ages and breeds. We also looked at available discounts and how they affect premiums.
- Customer experience (30% of score): Includes customer reviews, ratings from trusted sources like AM Best and feedback from pet owners on platforms such as Reddit.
- Coverage options (20% of score): Evaluates available add-ons, exclusions and included benefits. We compared these against common veterinary costs to see how useful each policy is.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Trustpilot. "Lemonade Reviews." Accessed November 10, 2025.