Updated: September 26, 2024
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This guide provides information on the best pet insurance in Massachusetts, allowing you to find the right coverage for your animal friend.
Choosing the right insurance policy and related coverage can help you reduce out-of-pocket expenses significantly during medical emergencies and routine procedures for your pet. We based our analysis on quotes from multiple insurers in Boston, Cambridge and Springfield to evaluate the cheapest policies that cover all your pet’s requirements.
MoneyGeek performed comprehensive research on some of the best insurance companies in Massachusetts to provide insight on the most affordable pet insurance options in the state. Our research involved reviewing quotes from multiple providers that included commonly sought-after coverage in the state.
MoneyGeek analyzed insurance companies that offered a balanced mix of affordability and coverage benefits. Insurance costs in Massachusetts are dictated by several factors, such as the age and breed of the pet, along with the type of coverage you choose with the policy.
Offers multi-pet discounts
Policyholders can choose to pay the vet and get reimbursed or have the insurer pay the vet directly
Covers chiropractic care, cold laser therapy and physical therapy
Extended waiting period for orthopedic conditions
In Massachusetts, the insurer that offers the best overall protection is Pets Best. This provider offers coverage at an average of $32.67 per month.
Pets Best policyholders can take advantage of several types of coverage to pay for prescription medications, chronic conditions, and acupuncture treatments. Pets Best also offers dental coverage for periodontal disease, traumatic dental fracture, deciduous teeth and unerupted teeth, as well as aging eye and ear problems.
The insurer also has multiple options that cover policyholders for $5,000 per year. Pets Best is also one of the few companies offering unlimited coverage. This company also provides multiple deductible and reimbursement options.
If you have more than one pet in your household, you can include them on the same policy and receive a multi-pet discount. Policies from the insurer also cover exam fees for lab tests, MRIs, CAT scans and X-rays.
Offers multiple reimbursement rate options
Covers chronic conditions
Offers dental coverage
Has a waiting period for accident and illness coverage
MoneyGeek’s analysis determined that the best pet insurance company in Massachusetts with policies that offer unlimited coverage is Pets Best. The average cost of an unlimited coverage policy is $41.52 per month.
If you have a pet with chronic ailments, Pets Best is an ideal choice — its unlimited coverage policy will ensure that your animal friend gets all the medical care it deserves without you having to worry about out-of-pocket expenses.
The insurer also does not invoke any specific conditions such as having to spay or neuter your pet to make use of this coverage. Pets Best partially pays for these procedures. If you wish to insert a microchip into your pet, you can use Pets Best’s coverage to pay for the procedure.
Policyholders can choose from several reimbursement options. However, keep in mind that the higher your reimbursement rate, the more you will have to pay in insurance premiums.
Covers exam fees
Covers acupuncture and chiropractic therapies
Offers additional coverage for routine care
Does not offer coverage for bilateral conditions
Pets Best is MoneyGeek’s top pick when it comes to the best pet insurance with affordable coverage. It offers insurance at an average of $21.61 per month.
With its wide range of deductible options, policyholders can choose to pay as low as $50 per year as their deductible before the insurer starts paying for medical expenses for your pet. Pets Best also offers multiple reimbursement rate options.
If you have more than one pet, you can receive a multi-pet discount to reduce insurance costs. Pets Best offers coverage options that pay for several health conditions such as dental and chiropractic care, acupuncture, hydrotherapy, cold laser therapy and physical therapy.
Pets Best also pays for chronic conditions and prescription medications covered under its formulary list. However, it does not cover treatment for bilateral conditions and behavioral issues. The company states that if a pet has behavioral issues, it provides an exception for consultations and prescription medications.
Offers multi-pet discounts
Covers alternative therapies such as chiropractic care, acupuncture and hydrotherapy
Covers dental and hereditary conditions
Waiting period for coverage to kick-in
Pets Best is also MoneyGeek’s preferred insurer for individuals with multiple pets. It offers multi-pet discounts with all of its policies, which cost $29.40 per month on average. Pets Best automatically includes a 5% discount when you add a second pet to a policy, irrespective of its breed.
The company’s coverage pays for surgeries and emergency care, along with exam fees for diagnostic tests such as X-rays, MRIs and CAT scans. Pets Best policyholders can pay their vet and become reimbursed for expenses or ask the insurer to make payments to the vet directly. Choosing the latter ensures minimal out-of-pocket expenses while ensuring complete care for your pets. With Pets Best policies, you can also cover any of your pet's hereditary conditions.
Covers exam fees
Provides multi-pet discount
Offers up to 100% reimbursement
No coverage for routine wellness and preventative care
Figo is our top pick for cat owners in Massachusetts. Insurance for cats is usually less expensive than for dogs. The company’s policies for cats cost $22.65 per month on average.
Figo’s policies offer a wide range of coverages that include chronic conditions, treatment for hip dysplasia and eye or ear problems as a result of aging. Regarding coverage for chronic ailments, Figo covers such ailments for the entirety of your pet’s life, as long as it first shows signs of the ailment only after the waiting period is complete.
This provider does not cover pre-existing conditions or offer coverage for microchip implantation. Figo does, however, feature coverage for holistic and alternative treatments performed by licensed vets. The company offers coverage for accidents and illnesses. You may ask your insurer to pay your vet, emergency hospital or specialist in any part of the world, beyond those listed on their network.
Ranking | Winner | Avg. Monthly Cost |
|---|---|---|
Overall | Pets Best | $33 |
Unlimited Coverage | Pets Best | $42 |
Affordable Coverage | Pets Best | $22 |
Multiple Pets | Pets Best | $29 |
Cats | Figo | $23 |
MoneyGeek analyzed several quotes in Massachusetts to evaluate average pet insurance rates. Our research took into account a $250 deductible and determined that the average cost of a pet insurance policy for dogs in the state is $61.17 per month, with cats costing an average of $29.94 per month. These rates are for policies with a $10,000 coverage.
For policies with $5,000 in annual coverage, the average cost of pet insurance for dogs is $31.30 per month, while insurance for cats is $16.82 per month.
Insurance policies with unlimited coverage for your dog will cost you $61.81 per month. For cats, it costs $41.46 per month on average.
Pet Insurance Policy | $5k Coverage | $10k Coverage | Unlimited |
|---|---|---|---|
Average Cost for a Dog | $31 | $61 | $62 |
Average Cost for a Cat | $17 | $30 | $41 |
Pet owners must consider several aspects before choosing an insurance policy for pets. For the typical pet owner in Massachusetts, MoneyGeek recommends policies that cover $8,000 to $20,000 with a minimum reimbursement rate of 80%.
MoneyGeek’s research involved comparing multiple quotes from leading insurers in Massachusetts to determine average insurance rates and the most popular options. Generally, coverage in the state includes:
Pet owners in Massachusetts may choose cheaper or more expensive policies that come with lower or higher coverage limits, depending on their budget and the needs of their pets. Policies with higher coverage limits will lead to higher monthly insurance premiums, but they also offer the maximum protection for your pet.
Policyholders can identify their ideal coverage level by exploring MoneyGeek’s recommendations below.
Maximum Policy Coverage | Winner: Cheapest Policy | Avg Cost |
|---|---|---|
$5,000 | Pets Best | $22 |
$10,000 | Figo | $46 |
Unlimited | Pets Best | $42 |
If you’re looking to keep your insurance costs low, MoneyGeek recommends choosing a policy with low annual coverage, high deductible and a low reimbursement rate. The following comparison of policies with a $5,000 coverage limit, 80% reimbursement rate and a $500 annual deductible offers some insight into several coverage levels.
Pet Insurance Company | Low Coverage Monthly Cost |
|---|---|
Pets Best | $22 |
Pet Plan | $25 |
Figo | $30 |
ASPCA | $31 |
Spot | $31 |
GEICO | $38 |
Embrace | $38 |
24 Pet Watch | $38 |
Pet Insurance Company | Average Coverage Monthly Cost |
|---|---|
Figo | $46 |
24 Pet Watch | $50 |
GEICO | $54 |
Embrace | $54 |
ASPCA | $58 |
Hartville | $58 |
Spot | $58 |
Pumpkin | $68 |
Nationwide | $89 |
Pet Insurance Company | Unlimited Coverage Monthly Cost |
|---|---|
Pets Best | $42 |
Healthy Paws | $43 |
Trupanion | $56 |
Figo | $66 |
Pet Plan | $71 |
Spot | $93 |
Pet insurance costs vary significantly across states and from city to city. If you live in a large city with a sizable population, your insurance costs may increase with greater traffic density and a higher cost of living.
This would mean higher costs for veterinary services that would translate to higher insurance costs. Areas with extreme weather conditions tend to affect animal health, which also increases insurance costs. Finally, the amount of coverage you choose also affects your insurance rate.
City | Coverage Level and Average Monthly Rate |
|---|---|
Boston | $5k: Pet Plan, $23 Unlimited: Healthy Paws, $45 $10k: Figo, $46 |
Cambridge | $5k: Pet Plan, $23 Unlimited: Pets Best, $45 $10k: Figo, $46 |
Springfield | $5k: Figo, $30 Unlimited: Healthy Paws, $37 $10k: Figo, $46 |
Worcester | $5k: Pets Best, $20 Unlimited: Pets Best, $39 $10k: ASPCA, $45 |
Pet owners must consider several factors before choosing an insurance policy. Reimbursement rates, deductibles, the pedigree and age of your pet and your location dictate your pet insurance costs.
Annual reimbursement limit
This figure refers to the limit up to which insurers will reimburse medical expenses within a term year. Higher reimbursement limits will lead to more expensive monthly premiums.
Deductible
The annual deductible is the minimum amount payable by you every year before your insurer begins reimbursing your medical expenses. Policies with high annual deductibles generally cost less.
Bill reimbursement percentage
This is the percentage that your insurer will pay you for every claim made till you reach your annual coverage limit. For instance, if you have claimed $600 in medical expenses with an 80% reimbursement rate, your insurer will reimburse $480.
Breed
The type of pet you own significantly affects the cost of insurance in Massachusetts. Insurance costs for cats are typically lower than dogs' policies.
Animal age
The age of your pet also affects insurance rates. Insurance for older pets is usually more expensive.
Location
If you live in larger cities with dense traffic and extreme weather, you may have to pay more for insurance.
Multi-pet discount
If you are looking to insure more than one pet, insurers may offer a multi-pet discount.
In Massachusetts, almost 50% of households have pets. However, only a very small portion of pet owners choose to insure them. MoneyGeek considers pet insurance a win-win for everyone. It helps pet owners provide critical care for their animal companions while drastically reducing out-of-pocket costs.
To cite an example, the cost of treating a dog with diabetes without insurance is $2,892 on average. Choosing the right insurance policy will help you cover the same treatment at a fraction of the cost.
At $21.61 per month, MoneyGeek’s choice for the most affordable pet insurance in Massachusetts is Pets Best. The cheapest policy for you depends on several factors, including your location and coverage requirements.
The cost of a pet insurance policy in Massachusetts with a $10,000 coverage limit is $61.17 for a dog and $29.94 for a cat on average. Depending on your requirements, you may have to pay anywhere from $12 to $105 or more per month for pet insurance.
MoneyGeek’s analysis determined that the best pet insurance companies in Massachusetts are Pets Best and Figo.
MoneyGeek believes data helps us make better financial decisions. For pet insurance, our data team spent countless hours gathering thousands of pet insurance quotes across the 13 largest providers to make sure you find the most affordable policy to meet your pet’s needs.
To determine the best pet insurance companies in Massachusetts, 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 Massachusetts, and to determine our affordability scores for our best rankings, MoneyGeek gathered quotes by company across many zip codes in Massachusetts for four pet types with the following coverage levels:
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
