5 Best Maryland Pet Insurance for Dogs & Cats (2024 Reviews)

FAQs about Pet Insurance in Maryland

• 1. What does pet insurance typically cover for dogs and cats?

  It is important to review each insurance company’s policies before applying for your pet’s insurance, since coverage will vary. However, you can typically expect pet insurance to cover illnesses and injuries that are sudden and unexpected. The kinds of medical care you can normally expect to be covered by your pet insurance include emergency surgery, exams, tests, medications, and sometimes emergency aftercare.

• 2. How much does pet insurance cost in Maryland?

  Pet insurance in Maryland costs anywhere from $19.39 to $58.53 per month for dogs (based on prices for a healthy 2-year-old located in the 21209 zip code). And anywhere from $18.13 to $22.61 per month for cats (based on prices for a healthy 2-year-old located in the 21209 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 Lemonade 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?

  Because pet insurance requires a payment each month, rather than an annual fee, you can usually cancel your policy at any time if you give your insurance company appropriate notification—meaning, you will likely need to let your insurance provider know, in writing, of your decision to forgo further coverage.

  Suppose your pet is diagnosed with a health concern before you discontinue your insurance policy, that health problem could be considered a “pre-existing health condition” if you try to get your insurance policy started back up again. Basic pet insurance plans will not cover most pre-existing health conditions.

• 4. Do Maryland pet insurance companies cover spaying and neutering?

  While pet insurance in general doesn’t usually financially cover spay/neuter costs, some companies will offer additional wellness packages that you can purchase on top of your basic plan. One such pet insurance company is Embrace.

  You can determine whether the add-on package is worth it for you by evaluating the cost and benefits in light of your current financial situation.

• 5. Does the cost of insurance increase as my pet ages?

  There is not normally a restriction on how old your pet can be before you are no longer eligible for coverage, but the cost of pet insurance for elderly pets is typically higher. Older pets are often more likely to get sick so it is typical for most pet insurance providers to compensate for this by increasing their monthly premiums.

• 6. Which companies cover pre-existing conditions?

  Pawp insurance ranks best overall for its coverage of pre-existing health conditions, especially when an emergency occurs involving a pre-existing problem. when it comes to covering pre-existing conditions, especially when an emergency needs to be covered. While you would need to clarify the exact details with them before applying for a policy, Embrace pet insurance also offers limited coverage for pre-existing conditions that are deemed curable.

  With that in mind, however, it is important to remember that most pet insurances will not offer coverage for any pre-existing health conditions your pet may have. Although this does limit the amount of coverage you can get, it doesn’t keep you from getting any coverage at all, meaning that you can still protect your precious pet despite any longstanding health issues.

• 7. Is pet insurance worth it in Maryland?

  On average, vet bills are more expensive in Maryland than in other parts of the US. If an unexpected pet emergency occurs, your risk of having significant financial loss is high. With pet insurance, though, roughly 80% of that heavy cost can be reimbursed back to you!

  Of course, the hope is to never have to use your pet insurance for a life-or-death emergency for your pet. But when a health crisis hits, it’s the peace of mind of knowing you and your pet are protected that can make pet insurance more than worth a small monthly premium.

• 8. What are some strategies to keep my pet safe in Maryland?

  Some great rules of thumb for pet safety include keeping all food, medications, and cleaners out of paw’s reach; additionally, never leaving your pet unattended in the car, particularly on a hot summer’s day, can prevent accidental injury and even death.

  Maryland is home to a few toxic critters your pet could come across in the yard or on a walk. Keep your pet away if you suspect a Northern Copperhead, Timber Rattlesnake, or Brown Recluse spider lurking nearby!

  While hurricanes and tornadoes aren’t common, Maryland has suffered extensive damage due to local natural disasters even in the past few years. Having an emergency plan in place for you and your pet can help prevent accidentally leaving your pet behind in the case of an evacuation. In the summer of 2020, Maryland had nearly consecutive days of temperatures soaring past 90 degrees. If your pet is primarily outdoors, you may need to bring them inside, in addition to providing appropriate shelter and access to food and water when they are outdoors.