Many dog and cat owners purchase pet insurance to protect their little pals over the long run because they understand that emergencies can strike at any time. Since urgent veterinary care costs can be prohibitively expensive, pet insurance can provide a vital financial lifeline during those stressful times. We are pleased to share the top 5 pet insurance companies for Maine residents that can allow you to give your cat or dog the very best care possible.
5 Top Dog & Cat Insurance Companies Compared for Maine
(Best for wellness)
Why it’s great: Wagmo is well known for their speedy reimbursements via direct deposit, PayPal or Venmo. They also reimburse up to 100% of vet fees once your annual deductible is met. Another benefit of Wagmo’s coverage is their discounts for multiple pets and renewals without reimbursed claims in the previous year. Pet parents will appreciate taking their dogs and cats to the veterinarians of their choice.
Keep in mind: The maximum lifetime benefit amount is $100,000. Should your pet’s care reach this limit, they will no longer be eligible for further coverage.
Good for: Pet parents who want an equal mix of wellness and emergency care coverage.
Average price for DOGS in Maine: $39.17/month
Average price for CATS in Maine: $23.89/month
(Best for cats)
Why it’s great: Figo is the best insurance provider for cats, offering the lowest monthly premiums for our feline friends. That said, Figo insures dogs as well. And since they understand that emergencies occur at any time of day or night, all of their customers have live 24/7 access to veterinary support via their mobile app. Their various wellness packages are worth considering, including one that covers up to $250 in prescription food should your pet ever need it. All of Figo’s plans come with unlimited lifetime benefits, which means your cat or dog will retain coverage throughout their lives regardless of the cost.
Keep in mind: Figo does not cover pre-existing conditions.
Good for: Cat parents and pet owners who seek 24/7 veterinary support.
Average price for DOGS in Maine: $29.67/month
Average price for CATS in Maine: $14.96/month
(Best for pre-existing conditions)
Why it’s great: Pawp’s emergency fund covers up to 6 pets within the same household, regardless of age, breed and pre-existing conditions, for only $24 per month. Pet owners also get unlimited 24/7 telehealth services and pet expert consultations with the emergency fund. But unlike other insurance companies, Pawp has no copays, credit checks or deductibles, and they let you choose the right vet for your pet. Better yet, you get to leave the vet’s clinic with your bill paid in full.
Keep in mind: Pawp only covers true emergencies as qualified by their virtual team of vets. Also, their emergency fund only covers one of your pets for a single vet bill costing less than $3,000 in a given year.
Good for: Pets that are older or have pre-existing conditions. This would also make a good supplement to a conventional pet insurance policy.
Price: $24/ month
(Best established brand)
Why it’s great: Embrace’s “diminishing deductible” is one of their most appealing benefits. This means that your annual deductible will automatically drop by $50 if your pet does not have any reimbursed claims in the previous year. Embrace also features multiple pet discounts and unlimited lifetime benefits. Their add-on wellness package is an excellent option for those pet parents interested in alternative veterinary treatments such as chiropractic, acupuncture, reiki, and massage therapy.
Keep in mind: Only pets up to 14 years old can apply for coverage. Embrace’s maximum combined claims total for their wellness package is $650 annually, which affords you approximately $25 in savings each year. No refunds are given on unused wellness package funds.
Good for: Pet parents who value new age and alternative veterinary care for their cats and dogs.
Average price for DOGS in Maine: $60.67/month
Average price for CATS in Maine: $35.43/month
(Best pet healthshare community)
Why it’s great: Eusoh is not a pet insurance company. Instead, they offer community health sharing plans that save their members as much as 50% on veterinary fees compared with traditional pet insurance. Eusoh’s members get reimbursed for veterinary expenses related to accidents, illnesses and preventative care. A couple of extra bonuses are the televet services provided by their partner FirstVet and the freedom to bring your cat or dog to the veterinarian of your choice.
Keep in mind: Eusoh is not a pet insurance company but rather an expense-sharing community. Their maximum annual reimbursement is $8,500, and their top reimbursement rate is 80%.
Good for: Pet parents that prefer healthshare communities.
Average price for DOGS in Maine: $62.58/month
Average price for CATS in Maine: $40.94/month
FAQs About Pet Insurance in Maine
1. What does pet insurance typically cover for cats and dogs?
Coverage will differ between companies, but it is standard for any sudden and catastrophic illnesses and injuries to be covered. While your policy will have more specifics, coverage typically extends to emergency-related care, exams, medications, diagnostic tests, procedures, and surgery.
2. How much does pet insurance cost in Maine?
Pet insurance in Maine costs anywhere from $13.55 to $40.91 per month for dogs (based on prices for a healthy 2-year-old located in the 04103 zip code). And anywhere from $12.66 to $15.79 per month for cats (based on prices for a healthy 2-year-old located in the 04103 zip code). Prices can vary greatly depending on your zip code, the breed of your pet, its age, and medical history.
We recommend getting a quote from Wagmo who we’ve seen consistently offer the lowest prices and best coverage out of any other provider.
3. Can I cancel my dog or cat insurance plan after I make a claim?
As a general rule, you can cancel your policy at any time. Just be sure to determine whether your provider accepts cancellations over the phone or if it needs to be done in writing. It is worth noting that any conditions your pet is diagnosed with prior to cancellation may be listed as a pre-existing condition and excluded from coverage should you wish to repurchase pet insurance in the future.
4. Do Maine pet insurance companies cover spaying and neutering?
Maine pet insurance companies do not cover spaying or neutering. That said, a select few, such as Embrace , have wellness packages that will reimburse for these procedures.
5. Does the cost of insurance increase as my pet ages?
Your monthly premiums will increase as your pet ages, particularly once they reach 4 or 5 years old. Insurance providers raise premiums to offset the increased risk of your dog or cat having an accident or developing a health condition as they get older.
6. Which companies cover pre-existing conditions?
Pawp is the top-rated pet insurance company for covering emergencies related to pre-existing conditions. Also, Embrace will cover treatment for some curable pre-existing conditions. You are best to contact these providers directly for more specifics before applying for a policy. Be aware that most companies will not cover pre-existing conditions at all.
7. Is pet insurance worth it in Maine?
For starters, Maine has some of the highest veterinary costs in the nation, which is reason enough to purchase pet insurance for your cat or dog. And since most pets will have emergencies at some point in their lives, insurance can help alleviate the financial stress of such incidents. For example, cataract surgery can run as high as $4,000, whereas cancer therapies can cost up to $10,000. In such dire circumstances, your pet deserves the best care possible, which is why Maine pet insurance is worth it.
We hope this article has made choosing the best pet insurance provider for your cat or dog more straightforward. We encourage all pet parents to take extra time to research these companies’ offerings before getting a policy put in place. Buying the right Maine pet insurance will protect your best pal so that when it comes to emergencies and preventative measures, they can have the care they need to live long and happy lives.
In our experience, after careful review, we’ve consistently seen Wagmo has the best combination of coverage and price.
Note: Our prices listed above are accurate in January 2022 and may change at any time. Please get a quote for your pet on one of the recommended websites for the most accurate monthly costs. These prices are based on a Labrador Retriever dog and American Shorthair cat located in the 04103 zipcode. We chose a $500 deductible and 90% reimbursement amount for each policy we reviewed (except for Pawp). The annual benefit amount we selected for each provider is as follows:
- Wagmo = $20,000
- Figo = $5,000
- Pawp = $3,000
- Embrace = $5,000
- Eusoh = $8,500