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

A policy from the best pet insurance company in Vermont can save you thousands of dollars in case of an emergency. Having pet insurance ensures you can afford veterinary care for your dog or cat when they need it. With some insurers even covering preventative care, pet insurance is an affordable way to keep your pets in optimal health.

MoneyGeek gathered pet insurance quotes in Vermont’s leading cities, including Burlington, Rutland and South Burlington, among others. We studied the cost of pet insurance in Vermont to help you shop for a policy that meets your budget and your pet’s needs.

As a pet parent, you may be overwhelmed by the number of pet insurance companies in Vermont. While you only want the best for your furry loved one, affordability is also an important factor when deciding on a policy.

To help you understand your options, MoneyGeek studied various providers and identified the best pet insurance companies in Vermont. We collected thousands of quotes and coverage details to analyze an insurer’s overall value proposition. We picked the top companies based on their affordability and product offering options.

In Vermont, pet insurance costs can differ depending on your location, preferred coverage and your pet’s age and breed. On average, pet insurance for a dog costs $26.25 to $50.17 per month, while the average cost of insuring a cat is $14.54 to $32.99 per month.

MoneyGeek’s research found that the average monthly cost of insuring a dog in Vermont is $26.25 per month for a $5,000 coverage limit, $50.17 for a $10,000 coverage limit and $48.64 for unlimited coverage. Meanwhile, the average monthly cost of insuring a cat is $14.54 per month for a $5,000 coverage limit, $24.80 for a $10,000 coverage limit and $32.99 for unlimited coverage.

Since insurance companies have different ways of determining rates, comparing quotes from various providers before deciding on a policy makes sense.

MoneyGeek analyzed an insurance policy’s typical components to help you understand the options offered by most pet insurance companies in Vermont. These include:

• Annual reimbursement limits: typically range from $3,000 to unlimited
• Deductible: $250 to $500, but some companies have higher or lower options
• Bill reimbursement percentage: 70-90%

Some pet owners prefer policies with less coverage and cheaper premiums to better manage their monthly expenses. Others look for more affordable premiums because they don’t want to pay for increased coverage that they may not need.

There are pet owners who want policies with high coverage limits to ensure maximum protection for their pet in case of an emergency. Policies with higher or unlimited coverage are usually more expensive, but such coverage may be unnecessary for the average pet owner.

To keep your pet insurance rates affordable, consider looking for a plan with a low annual maximum, high deductible and low reimbursement percentage.

The tables below demonstrate how changing your annual maximum, reimbursement percentage or deductible can affect the price of your pet insurance policy.

The city you live in also affects your pet insurance rates, aside from your pet’s age and breed.

Cities in Vermont with higher costs of living generally have more expensive veterinary treatment, which translates to higher policy costs. Additionally, some areas have a higher incidence of accidents due to weather conditions, traffic and other hazards. The increased risks in such areas can also raise pet insurance premiums.

Buying a policy with a high coverage limit will drive your rates up, whether in an expensive or more affordable city.

In Vermont, factors such as your pet’s breed and age, your coverage amount and your location affect the cost of pet insurance. Most insurers allow you to adjust coverage limits, deductible cost and reimbursement ratio to create a policy that fits your needs and budget.

At MoneyGeek, we believe that data helps people make better financial decisions. For pet insurance, our data team collected thousands of pet insurance 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 Vermont, MoneyGeek built a detailed rating system that analyzes each company’s product offerings and costs. For our 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 Vermont and to determine our affordability scores for our best rankings, MoneyGeek gathered quotes by company across many zip codes in Vermont 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