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6 Best Massachusetts Pet Insurance for Dogs & Cats (2024 Reviews)

Enjoying flowers in boston with dog
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Pet owners of all species can probably agree that their animals are more than just pets; they are family members. Whether you are a dog lover or a cat lover, you most likely want the very best for your furry family member, including access to exemplary healthcare. It can be scary to think about, but pets can get sick or injured at any point in their lives, just like their owners.

Since visits to the veterinarian may be required, pets should also be armed with their own health insurance. Similar to human health insurance, pet insurance assists pet owners with funding the hefty costs of veterinary care. There are numerous pet insurance plans to choose from, which is why my team and I have identified the best pet insurance providers in Massachusetts. If you are a pet owner and are interested in enrolling your pet in insurance in Massachusetts, this article may be able to help you out.

Watching the boats at boston harbor with dog
Watching boats at the Boston Harbor with a furry friend :)

6 Top Massachusetts Pet Insurance for Dogs & Cats

  • 1. Lemonade

    (Best overall)

    Why it’s great: Lemonade comes in as our best overall pet insurance company because of their affordable rates, preventative care add-ons and comprehensive illness and accident coverage. One important benefit is that their waiting period for accidents is only 2 days (whereas many other companies typically require fourteen days). Lemonade also has an easy-to-use claims filing system via their mobile app to make the process quicker and uncomplicated. Lastly, pet owners can bundle their policy with a renter’s or homeowner’s policy for an extra discount.

    Keep in mind: If your pet is older or has pre-existing conditions, you may need to submit vet documentation of your furry friend’s medical history before you can get an active policy.

    Good for: Almost all dogs and cats, especially those that are young and healthy pets.

    Average price for DOGS in Massachusetts: $29.03/ month

    Average price for CATS in Massachusetts: $13.87/month


    Learn more at ➜

  • 2. Wagmo

    (Best for Wellness)

    Why it’s great: There is a lot to love about Wagmo. Not only will their name make you smile, they also reimburse up to 100% of veterinary costs for the rest of the year after meeting your deductible. Wagmo also offers a variety of wellness add-on coverage options, as well as a quick reimbursement turnaround that can be delivered via direct deposit, PayPal or Venmo. Pet owners can also benefit from a number of discounts that change throughout the year. Finally, Wagmo will cover the cost of veterinary care by any licensed veterinarian, which means that you don’t need to change providers once enrolled in a Wagmo plan.

    Keep in mind: Wagmo does impose a maximum benefit limit of $100,000 throughout a pet’s lifetime. If you exceed this amount, your pet will no longer be covered by Wagmo.

    Good for: Pet owners who value wellness coverage at a reasonable cost.

    Average price for DOGS in Massachusetts: $52.40/month

    Average price for CATS in Massachusetts: $31.59/month


    Learn more at ➜

  • 3. Figo

    (Best for Cats)

    Why it’s great: If you own a cat, this may be exciting news for you: Figo offers some of the lowest insurance costs and most comprehensive coverage for cats that you will encounter. One of the most outstanding aspects of Figo is its 24/7 veterinary support resource that can be accessed through the Figo mobile app. This feature allows cat owners to contact a licensed veterinarian 24 hours a day. In addition, Figo offers numerous wellness packages, such as coverage for up to $250 of prescription food, if recommended by your cat’s vet. Finally, there is no maximum lifetime benefit, which means that you won’t need to worry about your kitty losing insurance coverage.

    Keep in mind: If your cat has pre-existing conditions, Figo plans will not cover the costs associated with care for these illnesses.

    Good for: Cat owners who would like access to 24/7 veterinary care and coverage for wellness services.

    Average price for DOGS in Massachusetts: $43.75month

    Average price for CATS in Massachusetts: $22.07/month


    Learn more at ➜

  • 4. Pawp

    (Best for furry friends with pre-existing conditions)

    Why it’s great: Pawp is by far one of the best pet insurance carriers out there, especially for dogs and cats with pre-existing conditions. As opposed to most other insurance providers, Pawp will provide coverage for care needed to treat pre-existing conditions. At just $24/ month, you can receive coverage for up to 6 pets, including in-office visits with a vet of your choice and 24/7 access to licensed veterinarians in case of emergencies. Finally, pet owners do not need to submit reimbursement claims, as most other providers require, and do not need to pay copays or meet deductibles.

    Keep in mind: In regards to the 24/7 emergency telehealth service, Pawp will only cover visits that meet their criteria of an emergency. For example, if your dog is having a seizure, this will most certainly be covered instead of if your dog has a hangnail.

    It is also important to be aware that the “Emergency Fund” that is included in the coverage package would cover just one pet for up to $3,000 per year.

    Good for: Pet with pre-existing conditions.

    Price: $24/ month


    Learn more at ➜

  • 5. Embrace

    (Most Established Brand)

    Why it’s great: Embrace is ideal for many pet owners because there is no lifetime maximum benefit, which means that dogs and cats will always be covered under pet insurance, even as they age. Additionally, Embrace also has many unique offerings and services. For example, they offer “diminishing deductibles,” which means annual deductibles are decreased by $50 every year without an insurance claim. Also, pet owners can take advantage of numerous routine, preventative, and alternative veterinary care, such as spaying/neutering, acupuncture, and massage therapy.

    Keep in mind: Pets can be enrolled in Embrace insurance plans any time until the age of 14. It is also important to be aware that Embrace does not issue refunds for any remaining funds that are not used each year as part of their wellness plans.

    Good for: Pet owners interested in wellness and alternative veterinary treatments for their pets.

    Average price for DOGS in Massachusetts: $57.80/month

    Average price for CATS in Massachusetts: $33.75/month


    Learn more at ➜

  • 6. Eusoh

    (Best Pet Health Sharing Community)

    Why it’s great: Compared to traditional pet health insurance, Eusoh is a pet health sharing plan and not pet insurance. Members get reimbursed for veterinary expenses related to accidents, illnesses and preventative care 50% or more towards their vet bill. You can bring your pet to the vet of your choice and are allowed televet visits.

    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: Peer-to-Peer community coverage

    Average price for DOGS in Massachusetts: $62.58/month

    Average price for CATS in Massachusetts: $40.94/month


    Learn more at ➜

Best Overall


Lemonade is our overall top recommendation. It’s the most comprehensive pet insurance provider in Massachusetts and they also offer the best value.

Average price for DOGS in Massachusetts: $29.03/month

Average price for CATS in Massachusetts: $13.87/month


Learn more at ➜

FAQs about Pet Insurance in Massachusetts

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

    While insurance coverage varies depending on the insurance provider, basic pet insurance plans mostly cover any veterinary treatments that are required to treat unexpected illnesses and injuries, such as viruses, broken bones, and infections. Coverage will often include exams/assessments, medications, diagnostic procedures, and surgery.

  • 2. How much does pet insurance cost in Massachusetts for dogs? For cats?

    Pet insurance in Massachusetts costs anywhere from $19.98 to $60.31 per month for dogs (based on prices for a healthy 2-year-old located in the 02109 zip code). And anywhere from $13.87 to $23.28 per month for cats (based on prices for a healthy 2-year-old located in the 01128 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? What if I already made a claim?

    Most pet insurance providers allow you to cancel your coverage at any time. However, policies and procedures regarding cancellation may vary by carrier, which is why it is a good idea to become familiar with your provider’s policy, should you want to cancel coverage.

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

    Coverage for spaying and neutering often varies by insurance carrier. These services are often covered as part of add-on packages that can be purchased along with the basic coverage plan.

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

    Unfortunately, monthly premiums usually do increase as pets get older due to the elevated risk of illness.

  • 6. Which companies cover pre-existing conditions?

    Pawp and Embrace are two insurance carriers that may welcome pets with pre-existing conditions. It is important to be aware that Embrace does offer potential coverage for pre-exisiting conditions that can be cured, but this is not a guarantee.

  • 7. Is it a good idea to get pet insurance if I live in Massachusetts?

    Pet insurance is a good idea to have regardless of where you live. All pets are susceptible to illness and injuries, which may require extensive veterinary treatment. Without pet insurance, veterinary bills can add up to thousands of dollars, depending on needed interventions.


Choosing a pet insurance plan can be overwhelming, but we hope that this article helped to make this process easier and less stressful. No pet owner wants their pet to be sick, but pet insurance ensures that any veterinary treatment needed to treat sudden illness is covered. We recommend choosing a plan that meets your pet’s needs and is best for your finances.

In our experience, after careful review, we’ve consistently seen Lemonade 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 02109 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:

  • Lemonade = $20,000
  • Wagmo = $20,000
  • Figo = $5,000
  • Pawp = $3,000
  • Embrace = $5,000
  • Eusoh = $8,500