10 Best Pet Insurance Providers in Massachusetts – 2024 Reviews & Top Picks
By Ed Malaker
Updated on
Purchasing pet insurance is the best way to guarantee that your pet gets the healthcare that they need as they age or face any health issues. However, with so many different providers, it can be difficult to sort through them all to find one that suits you and your pet. If you live in Massachusetts and need help, keep reading as we list several of the most popular companies so you can make an informed decision.
A Quick Comparison of Our Top Picks in 2024
| Image | Product | Details | |
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Best Overall
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Spot |
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Click to Get Quote |
Best Value
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Geico |
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Click to Get Quote |
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Trupanion |
|
Click to Get Quote |
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Pumpkin |
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Click to Get Quote |
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Progressive |
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Click to Get Quote |
The 10 Best Pet Insurance Providers in Massachusetts
1. Spot — Best Overall
Spot Pet Insurance is our pick as the best overall insurance provider in Massachusetts. It will cover cats and dogs, and there is no upper age limit for obtaining coverage. You can choose whatever vet you like, and the coverage is flexible, so you can get something to fit your budget. Choose a coverage limit from $5,000 to unlimited and a reimbursement rate of 70% to 90%.
The only downside about Spot is that you can only adjust the plan at renewal time, so it’s important to go over the plan carefully when you first sign up.
2. Geico Pet Insurance — Best Value
Geico Pet Insurance is our pick as the best pet insurance plan in Massachusetts for the money. It is available in all 50 states, and you can customize the plan in several ways. For example, an accident-and-illness plan helps cover medications and more, and you can customize the accident-only plan to set your annual limit, deductible, and reimbursement rate. The plans are affordable and have provisions for dental work, and there’s even a discount for people insuring multiple pets.
The downside to Geico is that it can take up to 14 days to receive your reimbursement check, so you will need to wait after paying for any procedures out of pocket. The website also doesn’t provide much information about the plans, so you need to call and speak with a customer representative.
3. Trupanion
Trupanion is an insurance provider available in all states, including Massachusetts, and it provides comprehensive insurance plans for cats and dogs, with up to 100% reimbursement on medical bills. You can customize your deductible from $0 to $1,000 to help make it more affordable, and the plan pays the vet directly, so you won’t need to worry about writing any checks, and you can pick any vet you want.
The downside to Trupanion is that it is expensive and best suited to pet owners who care more about coverage than cost. There’s also an upper age limit of 14 years when obtaining coverage.
4. Pumpkin Pet Insurance
Pumpkin Pet Insurance is a great plan that offers cat and dog owners a 90% reimbursement rate on their expenses. You can select unlimited annual coverage, so your pet always receives the care that they need, and there is no waiting period on many of the procedures like there is with most other plans. Another benefit of this plan is the multi-pet discount, which will help lower costs if you have several animals to insure.
The primary downside to Pumpkin insurance is that there is no 24/7 hotline to provide emergency care if you need it.
5. Progressive Pet Insurance
Progressive is a well-known option that will provide pet insurance to anyone in America. You can select your veterinarian and even take your pet to a vet out of state so they can receive treatment when you travel. Multiple coverage options enable you to choose your deductible and reimbursement rate, and you can even select unlimited coverage. There is no upper age limit to obtaining insurance, and you can apply online.
The downside to Progressive is that some illnesses can have a long waiting period.
6. Fetch Pet Insurance
Fetch Pet Insurance is rapidly becoming more popular due to the multiple coverage options available. You can choose from several annual coverage limits, between $5,000 and $15,000, and it even covers virtual vet visits and behavioral training. We also like that this insurance covers dental issues for both cats and dogs, and there is no enrollment fee to get started. Fetch insurance also lets you use any vet in the United States and Canada.
The downside to Fetch insurance is that there is no unlimited option for annual coverage and no option for an accident-only plan.
7. Hartville Pet Insurance
Hartville is a great pet insurance provider that helps make the process easier by paying the vet directly. It also offers accident-only plans that can help keep costs down. Choose from several annual coverage limits, including unlimited, and pick any vet. In addition, there are multiple deduction options, and you can select a reimbursement rate of up to 90%, with no upper age limit on obtaining insurance.
The downside to Hartville Pet Insurance is that it can be quite expensive compared to many other plans, especially if you choose a low deductible and no coverage limit.
8. AKC Pet Insurance
AKC Pet Insurance is a time-tested provider that was one of the first to offer pet insurance. Several plans are available, including accident-only and wellness plans, so you can get the type of coverage that you and your pet need. The basic plan has an 80% reimbursement rate and a $500 incident limit, but you can get the CompaionCare plan and customize your limit, deductible, and reimbursement rate based on your needs. It also offers a multi-pet discount.
The downside to AKCC insurance is that it doesn’t cover several illnesses, including Cushing’s disease and FIV. There is also a long waiting list to get covered for certain issues.
9. Met Life Pet insurance
Met Life Pet Insurance is a well-known provider available in all 50 states. It offers a comprehensive plan for both cats and dogs, and you can select from several annual limits, up to $10,000 per year, and choose a deductible from $50 to $500. Many people also like the option of choosing a 100% reimbursement rate. You can choose any vet, and there is no eligibility requirement for obtaining coverage.
The downside concerning Met Life is that there is no unlimited coverage option, and certain issues have a long waiting period of up to 6 months.
10. USAA Pet Insurance
USAA Pet Insurance is an affordable option available anywhere in the United States. It offers an accident-only plan and one that provides preventative care. You can choose an annual limit of up to $30,000, which is reasonable, despite not being unlimited, and the plan provides 80% reimbursement with a $100 deductible. The mobile app makes it easy to learn about your plan, file a claim, and pay your premium any time of the day.
The downside to USAA pet insurance is that its biggest discounts require you to be a USAA member when you sign up your pets, and pets over 14 are only eligible for accident insurance.
Buyer’s Guide: What to Look For in Pet Insurance in Massachusetts
When we reviewed the different insurance companies, we rated them on the number and versatility of available plans. We also considered annual coverage limits, reimbursement rates, and deductibles. Plans with more options are easier to customize to suit your needs while remaining affordable, so they scored higher on this list. We also wanted to list popular and available plans across many states, so you can get the coverage that your pet needs even when not in Massachusetts.
Policy Coverage
It’s important to review any policies that you are considering in order to learn about the coverage that they provide. Most plans will cover broken bones, trips to the emergency room, medication, and treatment for chronic conditions that occur after you sign up. In contrast, only a few will cover pre-existing conditions, dental work, spaying or neutering, etc., so read your policy carefully before making a purchase.
Customer Service & Reputation
Customer service is essential to any plan, and you should consider it carefully before purchasing a policy. We pointed out any providers on the list that don’t have good customer service, but you will need to read online reviews if you continue to shop around. Another option is to choose a provider that enables you to make payments and file claims online using a smartphone app.
Claim Repayment
We recommend choosing a provider that pays out claims quickly, especially those that pay the vet directly. Most insurance providers will make you pay the vet out of pocket and send you a reimbursement check at a later date, which can sometimes exceed several weeks. We pointed out any plans on the list that take a while to pay out, but we recommend that you read over your policy carefully before you purchase.
Price of Policy
The price of almost any policy can vary considerably based on the type of plan that you purchase. Plans offering more extensive coverage are usually more expensive, especially if they cover things like dental and pre-existing injuries. The annual limit, reimbursement rate, and deductible will also affect your premiums.
Plan Customization
Plan customization is essential for acquiring the coverage that you need at an affordable rate. Reducing your annual limit and reimbursement rate while increasing your deductible will help lower costs without sacrificing coverage, but you might need to pay more out of pocket if there is an emergency. All the plans on this list allow for significant customization, but you must review your policy carefully if you continue shopping around before making a purchase.
Frequent Asked Questions
Can I use my vet with my new policy?
Many of the policyholders on this list will enable you to use any vet you choose, but read over your policy carefully to verify that if you continue to shop around.
Is my pet covered in other states?
If your pet insurance is available in several states, like many on this list, there is a good chance that you can visit a vet out of state, and some providers will even cover you when visiting Canada, but it’s always a good idea to read over your policy carefully to see if it’s possible.
How do I file a claim with my provider?
Many modern pet insurance providers will allow you to make a claim online using a smartphone app or a PC, so you can take care of it 24/7. However, companies that don’t have this feature will usually require you to call the customer service hotline and talk to a representative about making your claim.
What the Users Say
- Most people are glad that they purchased pet insurance.
- Many people mention that obtaining pet insurance has helped their pets live longer.
- Several people wish that their insurance policy covered dental procedures.
- Several people appreciate the multi-pet discount offered by some companies.
- Some people find it difficult to file a claim.
Which Pet Insurance Provider Is Best for You?
The right pet insurance for you will depend primarily on your needs. If you have several pets in your home, choose a provider that offers a multi-pet discount, and if your pet is older, you will need a plan that doesn’t have age restrictions. A company that has customization will help you get the coverage that you need while remaining affordable. If you don’t like talking with customer service representatives, choose a provider that lets you make claims and payments online.
Final Thoughts
When choosing your next pet insurance plan, we highly recommend our overall best pick. Spot pet insurance provides several coverage options, unlimited annual care, and no upper age limit for cats and dogs. Another great option is our pick for the best value. Geico pet insurance offers extensive wellness coverage at an affordable rate, and you can even add dental without breaking the bank. All aspects of the policy are customizable, so you can set the annual limit, deductible, and reimbursement rate to suit your needs.
Featured Image Credit: New Africa, Shutterstock
