Lemonade is the best pet insurance company for cats and dogs in Vermont, leading our analysis across all key metrics. Other strong options in the state include AKC, Pumpkin, Pets Best and Figo.
Best Pet Insurance in Vermont
Updated: April 28, 2026
Advertising & Editorial Disclosure
Key Takeaways
Lemonade leads Vermont's pet insurance market with monthly rates from $9. The company pairs affordable premiums with strong customer service.
Dog coverage in Vermont costs $48 per month through Lemonade, the most affordable option. Cat owners pay $20 monthly with Pumpkin, the lowest rate available.
Get quotes from several insurers to match coverage with your budget and your pet's health requirements.
Best Pet Insurance Companies in Vermont
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| Lemonade | 4.50 | $48 |
| AKC | 4.35 | $60 |
| Pets Best | 4.10 | $58 |
| Rainwalk | 3.95 | $67 |
| Pumpkin | 3.75 | $58 |
| Figo | 3.75 | $59 |
Lemonade
Best Overall
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Points
Average Monthly Rate for Dogs
$48Average Monthly Rate for Cats
$23Overall Reddit Sentiment
72% positiveMaximum Annual Limit
$100,000
Best Pet Insurance by Dog Breed
AKC provides the best coverage for most Vermont dog breeds. Lemonade and Pets Best work well for select breeds. Review which companies match your dog's needs:
Data filtered by:
Affenpinscher
| Pets Best | 4.35 | $26 |
| AKC | 4.3 | $53 |
| Rainwalk | 4.25 | $47 |
| Lemonade | 4.25 | $29 |
| Spot | 3.9 | $49 |
| Fetch | 3.9 | $44 |
Best Pet Insurance by Cat Breed
AKC ranks first for pet insurance across most cat breeds in Vermont, while Rainwalk offers strong coverage for select breeds. Review which companies fit your cat below.
Data filtered by:
Abyssinian
| AKC | 4.5 | $38 |
| Rainwalk | 4.45 | $34 |
| Lemonade | 4.35 | $23 |
| Pets Best | 4.3 | $30 |
| Spot | 4.15 | $32 |
Cheapest Pet Insurance in Vermont
In Vermont, Lemonade offers the cheapest pet insurance for dogs at $48 per month or $577 per year. For cats, Pumpkin provides the most affordable coverage at $20 monthly or $241 annually.
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| Lemonade | $48 | $577 | -29% |
| Pets Best | $58 | $701 | -14% |
| Pumpkin | $58 | $702 | -14% |
| ASPCA | $58 | $703 | -14% |
| Figo | $59 | $706 | -13% |
| AKC | $60 | $718 | -12% |
| Met Life | $64 | $767 | -6% |
| Hartville | $66 | $789 | -3% |
| Rainwalk | $67 | $806 | -1% |
| Liberty Mutual | $69 | $830 | 2% |
| Spot | $70 | $837 | 3% |
| Embrace | $82 | $984 | 21% |
| Fetch | $98 | $1,175 | 44% |
| Nationwide | $101 | $1,207 | 48% |
Cheapest Vermont Pet Insurance by Dog Breed
In Vermont, Lemonade, Pumpkin and Pets Best offer the most affordable pet insurance for dogs across multiple breeds, with plans starting at $16 monthly.
Data filtered by:
Affenpinscher
| Pets Best | $26 | $313 | -50% |
| Lemonade | $29 | $353 | -43% |
| Pumpkin | $35 | $417 | -33% |
| ASPCA | $41 | $494 | -20% |
| Figo | $41 | $496 | -20% |
Cheapest Vermont Pet Insurance by Cat Breed
For Vermont cat owners, Pets Best (13 wins), Pumpkin (8 wins) and Lemonade (5 wins) offer the most affordable coverage across cat breeds. Rates start at $14 per month for standard plans.
Data filtered by:
Abyssinian
| Lemonade | $23 | $281 | -55% |
| Figo | $25 | $302 | -51% |
| Pets Best | $30 | $364 | -41% |
| Hartville | $31 | $369 | -41% |
| Pumpkin | $33 | $387 | -38% |
How Much Is Pet Insurance in Vermont?
Vermont pet insurance costs average $84 monthly for dogs and $43 for cats. Vermont residents pay 7% less than the national average for both dog and cat policies.
Data filtered by:
$5,000
$500
80%
| Cat | $43 | $510 | -7% |
| Dog | $84 | $1,007 | -7% |
How to Get the Best Cheap Pet Insurance in Vermont
Finding the best cheap provider and coverage plan in Vermont can be difficult. Follow these steps to find the right pet insurance for you.
- 1Evaluate Your Pet's Coverage Needs First
List current health concerns and likely medical expenses over time. A conversation with your vet about breed-specific conditions helps set realistic coverage limits.
- 2Look for Available Insurance Discounts
Check whether you qualify for multi-pet savings or reduced rates for annual payments. Many Vermont insurers lower premiums when you pay yearly or bundle policies.
- 3Check Insurance Company Track Records
Review customer feedback and claims payment history for insurers operating in Vermont. Focus on companies with solid financial ratings and consistent claim handling reviews.
- 4Get Multiple Insurance Quotes
Request quotes from at least three pet insurance providers. Compare the same coverage limits, deductibles, reimbursement levels and exclusions to avoid misleading price differences.
- 5Review Your Policy Annually
Compare your current rate with other options once a year. Pet insurance costs often rise as pets age, so regular comparisons help keep coverage aligned with your budget.
Best Pet Insurance in Vermont: Bottom Line
Vermont's top pet insurance pick for cats and dogs goes to Lemonade. The most budget-friendly dog policies come from Lemonade, while Pumpkin delivers lowest-cost cat coverage. These providers stand out, but compare different plans and coverage options to match your pet's needs.
Pet Insurance in Vermont: FAQ
Here are answers to frequently asked questions about Vermont pet insurance:
What are the best pet insurance companies in Vermont?
Pet owners in Vermont have excellent insurance options. The top providers include Lemonade, AKC, Pumpkin, Figo and Pets Best.
Which company has the cheapest pet insurance in Vermont?
Pumpkin, Figo and Lemonade offer the most affordable pet insurance rates in Vermont. Monthly premiums start at $48 for dogs and $20 for cats.
How much is pet insurance in Vermont?
In Vermont, pet insurance costs $510 annually for cats and $1,007 for dogs. Annual premiums across the state can range from $63 to $12,428, depending on coverage options and pet factors.
What is the best way to find the right pet insurance provider?
Determine your pet's coverage needs based on age, breed and health history. Research multiple providers' reputations through customer reviews and ratings. Compare policy details, coverage limits and deductibles from at least three companies. Get quotes from top-rated insurers to find the most cost-effective coverage for your pet.
How We Found the Best and Cheapest Pet Insurance in Vermont
We researched all 20 major pet insurance providers in the United States, compared their policies and gathered quotes for Vermont residents. Here's the standard profile we used for our comparisons:
- $5,000 annual limit
- 80% reimbursement
- $500 deductible
- 6-year-old Labrador Retriever if dog
- 7-year-old Ragdoll if cat
Our Company Rating System
To ensure our ratings are accurate to pet and pet owner's needs, we simplified our rating mechanism for easy understanding and comprehensive inclusion of all available information:
- Affordability (50% of score): We used proprietary quote data for all combinations of coverage, pet ages, and breeds owned in the U.S. to compare affordability scores for all providers. We also considered discounts and how each company calculates them into your premium.
- Customer experience (30% of score): Using customer ratings we scoured across the internet, industry scores from reliable agencies like AM Best, and Reddit comment sentiment for companies to get this score.
- Coverage options (20% of score): We considered all terms, add-ons and inclusions when determining this score. We also gauged these coverage restrictions and inclusions against the most commonly needed pet medical-related costs to assess their usefulness.
About Connor Bolton
Connor Bolton is Senior SEO and Content Manager at MoneyGeek, where he leads the business and pet insurance editorial teams. He sets the research framework, data standards and content structure for his team, and reviews all content for accuracy before publication. Connor also authors in-depth guides himself and has spent over four years covering insurance products across personal, commercial and specialty lines.
The research infrastructure Connor built covers auto, home, renters, life, health, business and pet insurance, from pricing analysis and carrier research to customer experience and coverage evaluation. It includes over 6 million data points for business insurance across 408 industry areas, all 50 states and 16 vehicle types, and over 5 million pet insurance profiles across 18 major providers, 100+ breeds and pet ages up to 20 years. Connor’s insurance research and his team's work has been cited by the U.S. Chamber of Commerce, Allstate, Liberty Mutual, CBS News, Forbes and LegalZoom.
Connor also talks directly with underwriters and carrier liaisons at Ethos, The Hartford, ERGO NEXT, Nationwide and State Farm, and monitors business and pet owner communities on Reddit. These conversations keep him current on how the market operates and what buyers need.
For questions about MoneyGeek's business and pet insurance content, contact him at connor@moneygeek.com or on LinkedIn.
Sources
- Trustpilot. "Lemonade Reviews." Accessed June 4, 2026.