You purchase homeowner’s insurance in Maine to protect your home and medical insurance to safeguard your family’s health and well-being, so it makes sense that you should look after your pets too.
When your cat or dog falls ill, it can cost thousands of dollars for care.
That’s where pet insurance comes in.
Pet insurance in Maine gives you the peace of mind of being able to afford coverage and keep Rover and Tiger healthy from nose to tail.
Luckily, Maine has many options for pet insurance.
Following we’ll discuss the cost, coverage, and claims processing of the top pet insurance companies in Maine.
Pet insurance in Maine offers reimbursements for medical or accident services for your pet.
As more people are beginning to realize the importance of covering their animals and purchasing policies for them, so the rates are starting to rise.
Maine is one of the most expensive states when it comes to pet insurance, averaging $1,400 to $1,500 per year while the national median is between $1,200 and $1,300.
It is therefore particularly important for pet owners in Maine to shop around for the best coverage and obtain quotes from several insurers.
Several factors that influence cost include breed, age, species, health, and geographical location, with insurance in more populated areas such as Bangor or Portland likely to be more expensive due to a higher risk of injury or illness.
Our team of researchers has gone over more than 30 companies to make a recommendation for the five top providers of pet insurance in Maine based on costs, coverage, claims processing, and customer service.
It gives you the information you need to identify the best provider for your pet and budget.
5 Best Pet Insurance Companies in Maine
Petplan Pet Insurance
|Monthly Costs||Starts at $29.16 for dogs and $18.19 for cats|
|Coverage||70 to 90 percent after deductible|
|Payout Limits||$2,500 to unlimited|
|Deductible||Ranges from $250 to $1,000 annually|
Petplan is known for providing quality pet insurance in Maine.
Policies are available for Maine cats and dogs at least six weeks old and include most comprehensive coverage options available.
Uniquely among pet insurers, Petplan covers hereditary conditions, which is a stand-out feature in the industry, and a pet health advisory line enhances its around-the-clock customer service for assistance with questions about your pet’s health.
Its minimum monthly premiums are well below national average monthly rates.
The company has an A+ rating from the Better Business Bureau, with just 18 complaints lodged against it over the past 12 months.
Healthy Paws Pet Insurance
|Monthly Costs||Starts at $32.83 for dogs and $17.19 for cats|
|Coverage||70 to 90 percent reimbursement after deductible|
|Deductible||Ranges from $100 to $500 annually|
Healthy Paws offers one comprehensive insurance plan for cats and dogs in Maine, with pets eligible between eight weeks and 14 years old.
Healthy Paws covers many of the same conditions and illnesses as most of its competitors, and the company doesn’t balk at paying for covered congenital or hereditary complaints.
Policyholders can customize rates by increasing their deductible and lowering their reimbursement rate.
Its minimum costs are below the national average.
Healthy Paws is rated A+ by the BBB and has 27 complaints filed against it over 12 months, all of which have mostly been resolved or closed.
Petfirst Pet Insurance
|Monthly Costs||Starts at $16.95 for dogs and $8.95 for cats|
|Coverage||Ranges from 70 to 90 percent|
|Payout Limits||$5,000, $10,000, or $20,000 annually|
|Deductible||Ranges from $50 to $500 per incident|
Petfirst offers coverage for dogs and cats at least eight weeks old with no maximum age for new policies.
The minimum premiums are well below national averages particularly important in Maine, and it offers discounts for multiple pets, not filing a claim, military and animal workers, and signing up online.
Petfirst also has a plan for senior dogs, which is unique in the industry but also quite expensive.
The company has an A+ rating from the BBB with few complaints lodged against it.
Embrace Pet Insurance
|Monthly Costs||Starts at $13.04 for dogs and $8.98 for cats|
|Coverage||Ranges from 65 to 90 percent after deductible|
|Payout Limits||Coverage caps range between $500 and $15,000 annually|
|Deductible||Ranges from $100 and $1,000 annually|
Embrace is another great option for pet insurance in Maine.
As with any insurer, prices can be modified somewhat by lowering reimbursement rates or increasing deductibles, though this means a higher upfront out-of-pocket cost.
Policies cover cats and dogs between six weeks and 14 years old.
The company offers direct billing, which makes the claims processing convenient and easy, an outstanding feature.
Embrace has an A+ rating from the BBB, and the number of complaints (20 over 12 months) against it is far below average.
Wells Fargo Health Advantage Card
|Monthly Costs||Starts at $13.04 for dogs and $8.98 for cats|
|Payout Limits||Not applicable|
Wells Fargo offers a Health Advantage card that provides an alternative to traditional pet insurance.
Pet owners can apply for this card in the office of a participating vet.
Since this is a customized credit card offering, you don’t receive reimbursements for services, but there’s also no monthly premium.
The Wells Fargo care card is an alternative source of veterinarian financing that you can pay off on your terms.
However, Wells Fargo is still under a cloud of unfair practice claims and is not accredited by the BBB, which instead has posted several alerts warning consumers away from this bank.
Online press releases documenting the scandal list the Wells Fargo Advantage Card for pets among the services used to scam customers. It’s listed here to show there are alternatives to pet care.
You can ask your vet about other less well-known plans if you decide traditional pet insurance is not for you.
This review should help you learn more about some of the best pet insurance in Maine.
It’s important to shop around, read online reviews, and get quotes from several providers before deciding the best coverage for you and your pet.*While we make every effort to keep our site updated, please be aware that "timely" information on this page, such as quote estimates, or pertinent details about companies, may only be accurate as of its last edit day. Huntley Wealth & Insurance Services and its representatives do not give legal or tax advice. Please consult your own legal or tax adviser.