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What Does Pet Insurance Cost in Maine? 2023 Update

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By Nicole Cosgrove

pet insurance care concept

Pet insurance acts as a crucial component in your pet’s wellness plan. With it, you can rest assured that your furry friend will be taken care of financially if they become ill or hurt.

We know how important it is to have pet insurance in Maine, so we put together a list of affordable plans with the best coverage. This way, you can choose the right plan for you and your pet.

The Importance of Pet Insurance

There’s no denying that pets are expensive. Between food, toys, vet bills, and other miscellaneous costs, it’s not uncommon for pet owners to spend hundreds of dollars each month on their furry (or scaly) friends.

And while most pet owners would do anything for their beloved companions, the reality is that not everyone can afford the high cost of pet ownership. This is where pet insurance comes in.

Pet insurance is a type of insurance that helps cover the cost of your pet’s medical care. While it’s not required by law, it can be a valuable tool for pet owners who want to ensure the health and wellness of their furry friend.

So, how much does pet insurance cost in Maine? Let’s take a look.

representation of pet insurance
Image Credit: thodonal88, Shutterstock

How Much Does Pet Insurance in Maine Cost?

Maine is a great state for pet lovers. The state has plenty of outdoor activities for dogs and cats, and the cost of living is relatively low. But what about pet insurance?

The cost of pet insurance in Maine varies depending on a few factors, including pet type, age, and zip code. We gathered quotes from four of the leading pet insurance companies in Maine to find out how much you can expect to pay for coverage.

For a healthy dog, you can expect to pay around $30 per month for pet insurance in Maine. This is based on an average from Trupanion for a two-year-old mixed-breed dog with no pre-existing conditions.

If you have a cat, you can expect to pay around $15 per month for pet insurance in Maine. This is based on an average from Figo for a two-year-old domestic short-hair cat with no pre-existing conditions.

Pet Insurance Monthly Average for Dogs Monthly Average for Cats
Trupanion $15 to $51 $9 to $29
Spot $16 to $135 $10 to $86
Figo $19 to $43 $8 to $32
Embrace $12 to $51 $9 to $33

Source: https://www.marketwatch.com/picks/guides/insurance/pet-insurance-maine/

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Additional Costs to Anticipate

In addition to your monthly pet insurance premium, there are a few other costs you’ll need to factor in. For starters, most policies have a deductible that you’ll need to pay before the insurer starts covering claims.

In addition, if your pet needs to see a specialist or undergo any sort of advanced treatment, you may be responsible for paying a portion of those costs out of pocket.

For example, let’s say your dog needs surgery to remove a tumor. The total cost of the surgery is $2,000, but your policy has a $500 deductible and only covers 70% of the cost of specialty care. In this case, you would be responsible for paying $1,350 out of pocket ($500 for the deductible + $850 for the 30% of the surgery that isn’t covered by your policy).

Many pet insurance policies also cover routine dental care, such as cleanings and preventive care. So if your pet needs a dental procedure, you can expect to pay additional costs beyond your monthly premium and deductible.

These costs could include things like X-rays and anesthesia. For example, teeth cleaning for a small dog might cost around $200, while a more complex procedure like a tooth extraction could cost closer to $1,000.

As you can see, there are a number of factors that affect the cost of pet insurance. To get an accurate estimate of how much you’ll need to budget for your pet, it’s best to get quotes from a few different insurers. And remember, even if pet insurance seems like a lot of money, it could end up saving you a lot of money in the long run if your pet needs expensive treatment.

How Often Should I Get My Dog Dental Care?

Most dogs should get routine teeth cleaning at least once a year. Some may need it more often, depending on the state of their teeth. If your canine’s teeth are in good shape, you may be able to wait longer between cleanings. But if they’re in bad shape, you may need to bring them in more often.

The cost of routine teeth cleaning for a dog can range from $300 to $700, depending on the dog’s size and the state of its teeth. If your dog needs more than just a routine cleaning, the cost can go up from there.

How do you know if your dog needs teeth cleaning? The best way to find out is to talk to your vet. They can take a look at your puppy’s teeth and let you know if they think a cleaning is necessary.

brushing dog teeth
Image Credit: DWhiteeye, Shutterstock

What to Do for Your Dog’s Teeth In Between Cleanings

You love your dog, and you want to do everything you can to keep them healthy and happy. You take them for walks, feed them a nutritious diet, and make sure they get plenty of exercise. But have you been giving their oral health the attention it deserves?

Just like humans, dogs need regular dental care to prevent gum disease, tooth decay, and other oral health problems. And while you may take them to the vet for annual teeth cleaning, there are things you can do at home to help keep their pearly whites shining in-between visits.

Here are a few tips for keeping your dog’s mouth clean and healthy:

  • Feed Them Crunchy Foods: Giving your dog crunchy foods like carrots and apples can help keep their teeth clean. The chewing action helps scrub away at buildup, keeping their teeth clean.
  • Give Them Dental Chews: There are a variety of dental chews on the market that can help remove plaque and tartar from your dog’s teeth. Look for chews that are specifically designed to clean teeth, and be sure to supervise your dog while they chew to prevent them from swallowing large pieces.
  • Brush Their Teeth: Yes, you can actually brush your dog’s teeth! There are a variety of toothbrushes and kinds of toothpastes on the market specifically designed for dogs. Start slowly, introducing your dog to the toothbrush and toothpaste a little bit at a time. Once they’re used to it, you can start brushing their teeth on a regular basis.

These are just a few things you can do to keep your canine companion’s teeth clean and healthy. For more information on dental care for your furry friend, talk to your vet.

Find The Best Insurance Companies in 2023


You have a lot of options to choose from when it comes to pet insurance in Maine. Some factors that will affect the cost of your policy include the kind of animal you have, the age of your pet, and the coverage you need.

To get the best deal on pet insurance in Maine, make sure you compare rates, and always read the fine print. Now that you know all about pet insurance in Maine, it’s time to start shopping around for a policy that fits your needs and budget.

Featured Image Credit: Rawpixel.com, Shutterstock

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