I started Insurance Blog by Chris™ because I have a passion for insurance. Here at the blog, our job is to educate and inform people about the best insurance for them. Since then, we have grown into national brands with a large team of researchers helping people understand all forms of insurance.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: May 20, 2021

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As pet owners or really, pet parents, you may wonder, is pet insurance worth it? Pet health insurance is protection for both your wallet and your pet baby in the event of an expensive emergency care visit or cancer treatments.

Vet bills can be expensive, and with veterinary care costs on the rise in the United States, no pet parent wants to be placed with the predicament of not being able to pay for the health care their pet needs.

When you’re looking for a pet insurance policy, it’s wise to compare several insurance providers and their insurance coverage options to determine the best fit for your family.

Pet insurance companies often differ in the coverage and rates they offer based on the policy terms you choose, so it’s important to make sure that the provider you ultimately choose both suits your budget and can cover your pet when they need it most.

Taking into consideration the costs, coverage, annual deductible, payouts, claims process, and reputation of each, we’ve chosen the best five companies that offer pet insurance in Massachusetts.

Best Pet Insurance in Massachusetts

Getting a pet insurance quote is a similar process to get a quote for auto insurance or life insurance. The one main difference deals with payments. Unlike human health insurance, you will pay the vet bill upfront and then wait to be reimbursed by your pet insurance provider.

There are many pet insurance companies to choose from including Nationwide, Trupanion, Healthy Paws, and PetsBest to name a few. We’ve analyzed over 30 different companies, but narrowed down.

Here are the 5 best companies that provide pet insurance in MA:


Embrace Pet Insurance

Embrace Pet Insurance Logo

Embrace has an A+ BBB rating and a below-average number of complaints indicate the level of satisfaction among its current and past customers.

The company offers rates that are among the lowest in the industry and covers a wide range of conditions and treatments for both dogs and cats, including expensive visits to an animal hospital.

If you enroll your pet before the age of 14, they have coverage for life.

In addition to its comprehensive plans, Embrace offers customers the option to purchase a supplemental wellness plan to cover routine care such as check-ups and vaccinations.

Monthly Costs Starts at $13.04 for dogs and $8.98 for cats
Coverage Ranges from 70 to 90 percent after deductible, depending on the plan
Payout Limits Coverage caps range between $500 and $30,000 online or unlimited via phone enrollment annually
Deductible Ranges from $200 and $1,000 annually, depending on the plan

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ASPCA Pet Insurance

aspca pet insurance logo

ASPCA pet insurance, administered by Crum + Forster, has an A+ rating from the BBB with a below-average number of complaints over the past three years.

The company insures dogs and cats starting at eight weeks old and has no upper age limitations.

The list of conditions covered by ASCPA’s plans is vast, the rates are competitive, and the minimum prices are below the national monthly average, according to the company’s online quote calculator.

Claims can be submitted in several ways, including a convenient mobile app, and are paid out within 30 days of submission.

Monthly Costs A mixed breed dog or pure-bred cat can get coverage for as low as $23.39.
Coverage 70, 80, or 90 percent, depending on the plan
Payout Limits Ranges from $5,000 to unlimited, depending on the plan
Deductible $100, $250, or $500, depending on the plan

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Liberty Mutual Pet Insurance

Hartville Pet Insurance Logo

Liberty Mutual has partnered with Hartville to offer pet insurance plans that are comprehensive and affordable.

Dogs aged eight weeks to 12 years and cats aged eight weeks to 14 years are eligible for coverage.

Liberty Mutual offers a variety of plan options, including accident-only insurance and supplemental preventative care coverage.

Minimum premiums are far below the national average, and claims can be submitted in a variety of ways, including the company’s online portal.

Both Liberty Mutual and Hartville have A+ ratings with the BBB.

Monthly Costs Starts at $12.28 for dogs and $9.83 for cats
Coverage 70 to 90 percent reimbursement, depending on the plan
Payout Limits $2,500 to unlimited, depending on the plan
Deductible $100 to $500 annually, depending on the plan

Healthy Paws Pet Insurance

healthy paws pet insurance logo

With a rating of A+ from the Better Business Bureau and minimal complaints filed against it, Healthy Paws has a proven track record of customer satisfaction.

The company offers just one plan, keeping things simple, but it’s comprehensive enough to provide ample coverage for your pet.

Dogs and cats aged eight weeks to 14 years old are eligible for Healthy Paws insurance. They have the standard waiting period of 15 days before insurance coverage begins, and covers a long list of conditions, including x-rays, congenital conditions, and hereditary conditions like hip dysplasia.

Healthy Paws offers one plan, but it does not include preventive care or wellness care coverage, like spay and neuter costs or teeth cleanings.

Minimum monthly premiums are well below the national average insurance rate of $44.66 for dogs and $27.93 for cats, and the company promises a two-week turnaround time on claims.

Monthly Costs Starts at $32.83 for dogs and $17.19 for cats
Coverage 70 to 90 percent reimbursement after deductible, depending on the plan
Payout Limits Unlimited
Deductible Ranges from $100 to $500 annually depending on the plan


Blue Cross Blue Shield Pet Insurance


Blue Cross Blue Shield Pet Insurance, in partnership with PetPlan, is administered by Fetch Incorporated, which has an A+ rating from the BBB and has received very few complaints within the last three years.

The company’s plan is comprehensive and covers dogs and cats aged six weeks and older.

Starting rates are considerably lower than the U.S. average.

To prevent headaches, Blue Cross Blue Shield offers its customers several ways to submit claims, including an online portal and mobile app.

The company brings its vast experience over other types of insurance to bear in its pet products.

Monthly Costs Starts at $29.16 for dogs and $18.19 for cats
Coverage 70 to 90 percent reimbursement after deductible, depending on the plan
Payout Limits $2,500 to unlimited, depending on the plan
Deductible Ranges from $250 to $1,000 annually, depending on the plan

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Shopping for Pet Insurance in MA

When buying any type of insurance coverage, it is always a great idea to get at least three quotes from different insurance providers, making sure you find the best cost and coverage.

Now, having the understanding that pet insurance can vary by location, age, breed, health condition, and more, you should be able to successfully find the best pet insurance in Massachusetts to suit the needs of your pet, as well as your budget.

Find the Best Pet Insurance In YOUR State