Based on our survey of major pet insurance providers, pet insurance costs in Maine average $423 annually for cats and about $777 for dogs, making them 22% higher than the national average. However, your pet's breed and age, along with your coverage choice, can make prices vary.
How Much Is Pet Insurance in Maine?
Updated: July 27, 2025
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Key Takeaways
Based on our survey of major pet insurance providers, Maine pet insurance for dogs is around $65 per month or $777 per year, and cat premiums are around $35 monthly or $423 annually.
According to our survey, Maine pet insurance costs for dogs are 22% higher than the national average, and for cats, they're also 22% higher.
Get the best cheap pet insurance in Maine by researching many companies, finding the right coverage level for your furry companion and comparing multiple quotes.
How Much Does Pet Insurance Cost in Maine?
| Cat | $35 | $423 |
| Dog | $65 | $777 |
*These accident-only coverage rates (which cover injuries but not illnesses) apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (7-year-old cat) and a Labrador Retriever (6-year-old dog). While we included most pet insurance providers, some don't have these offerings, which we excluded for consistency.
What Factors Affect Pet Insurance Costs in Maine?
Below are the key factors affecting pet insurance costs in Maine and how influential they are. Click each factor to see pricing details.
Coverage level
Your chosen coverage level has the biggest impact on pet insurance costs in Maine. Our baseline accident-only rates (shown in the main cost table) average $423 to $777 annually, while comprehensive accident and illness coverage ranges from $667 to $1,313 annually for standard parameters.
Pet type and breed
Cats and dogs cost different amounts to insure, and your pet's breed makes a big difference too. Dogs generally cost more than cats because they have higher risks of injuries and certain breeds are predisposed to specific health conditions that lead to more frequent claims.Â
Our research shows monthly costs range from about $59 to $280 for dogs and $67 to $91 for cats, depending on your pet's breed.
Pet age
Insurance costs increase as your pet ages because older animals face higher risks of health issues and injuries. Our research shows annual premiums in Maine range from $274 for younger pets to $2,701 for senior pets, assuming all other factors remain constant.
Location
Where you live affects pet insurance costs through factors like local veterinary prices and regional health risks. Maine pet insurance costs $76 more annually than the national average for cats and $138 more for dogs. Our research shows minimal variation in rates across cities within Maine.
Your vet
When you get quotes, insurers often ask about your vet. Different vets charge different prices, which affects how much claims cost and ultimately impacts your premiums.
Average Maine Pet Insurance Costs by Coverage
Your coverage choice has the biggest impact on what you'll pay. Maine monthly prices range from $23 to $584, depending on your pet type and coverage details.
The table below shows comprehensive accident and illness coverage rates. Individual rates may vary significantly based on your pet's specific health history, your chosen veterinarian and other factors.
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$500
| Cat | $56 | $667 | 22% |
| Dog | $109 | $1,313 | 22% |
Average Maine Pet Insurance Cost by Breed
Pet type and breed are major factors that determine insurance costs, with national monthly rates varying significantly based on these characteristics. Based on breed-level data across the United States, monthly pet insurance costs range from $59 to $280, showing how much your choice of pet can impact pricing.
Average Pet Dog Insurance Costs in Maine
In Maine, your dog's breed significantly impacts pet insurance costs, with monthly premiums ranging from $59 to $280 per month depending on the breed. Check the table below to find specific rates for different dog breeds in the Pine Tree State.
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Dog Breed:Affenpinscher
| Affenpinscher | $120 | $1,447 |
*These rates represent policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Pet Cat Insurance Costs in Maine
Monthly cat insurance rates in Maine vary significantly by breed, with costs ranging from $67 for Domestic Shorthairs to $91 for Abyssinians, and here's a detailed breakdown by breed:
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Cat Breed:Abyssinian
| Abyssinian | $91 | $1,090 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Maine Pet Insurance Cost by Age
Age ranks as the third most significant factor in determining pet insurance costs in Maine, with annual premiums ranging from $275 to $2,701 as pets get older and health risks increase. The table below breaks down exactly what you'll pay based on your pet's age.
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Pet Type:Cat
| Under 1 | $23 | $275 |
| 1 | $25 | $303 |
| 2 | $27 | $322 |
| 3 | $29 | $351 |
| 4 | $32 | $384 |
| 5 | $35 | $419 |
| 6 | $38 | $454 |
| 7 | $52 | $620 |
| 8 | $45 | $534 |
| 9 | $49 | $588 |
| 10 | $55 | $654 |
| 11 | $61 | $733 |
| 12 | $69 | $824 |
| 13 | $74 | $887 |
| 14 | $82 | $986 |
| 15 | $91 | $1,087 |
| 16 | $100 | $1,195 |
| 17 | $101 | $1,214 |
| 18 | $112 | $1,337 |
| 19 | $121 | $1,455 |
| 20 | $131 | $1,569 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (cat) and a Labrador Retriever (dog).
Average Maine Pet Insurance Cost by City
Our analysis shows location within Maine makes virtually no difference in pet insurance costs, with rates staying consistent across different cities. Take a look at the table below to see the specific costs for your area.
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Pet Type:Cat
| Portland | $35 | $423 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (cat) and a Labrador Retriever (dog).
How to Get the Best Cheap Pet Insurance in Maine
Our simple best pet insurance comparison helps you secure quality coverage at the lowest price through this practical step-by-step guide.
- 1
Determine Your Coverage Needs
Before buying pet insurance, find out how much coverage you need that's both pet and budget-friendly. Consider first how much you can afford, the common health and behavioral problems for your pet's breed, and vet costs for your primary veterinarian and area.
- 2
Research Cost Factors
Research average costs for your pet and coverage level so you'll know a good deal when you see one. Pet insurance doesn't offer as many discounts as other insurance, but look for multi-pet and bundling savings where available.
- 3
Evaluate Insurance Providers
Check customer opinions on forums to get the real story about different companies. Also look at coverage options, waiting periods, and claims processes to make sure you won't hit surprises when you need to file a claim.
- 4
Compare Multiple Quotes
Get quotes from several companies to make sure you're getting the best deal. Most insurers offer quick online quotes for dogs and cats, though you'll need to call if you have an exotic pet.
- 5
Review Policy Details
Read the fine print of any policy you're considering. Focus on understanding deductibles, reimbursement rates, and annual coverage limits. Make sure you're clear about what conditions are excluded and how pre-existing conditions are defined.
Average Pet Insurance Cost in Maine: Bottom Line
Pet insurance in Maine costs more than most states. Expect to pay around $35 monthly for cats and $65 for dogs, though your actual costs depend on your pet's breed, age and coverage choice.
Want the best rates? Compare quotes from several insurers before you commit.
Pet Insurance Cost in Maine: FAQ
Find expert answers to common questions about pet insurance costs in Maine below:
How much does pet insurance cost in Maine?
Dog insurance in Maine averages $65 monthly, with age-based rates ranging from $40 to $225 per month. Cat insurance costs around $35 monthly on average, with monthly rates varying from $23 to $131 based on age.
Is Maine pet insurance expensive?
Maine pet insurance runs above the national average, ranking among the more expensive states for coverage.
How should I go about buying pet insurance in Maine?
Research coverage options and costs, evaluate provider reputations, compare quotes from multiple insurers, and review policy details before selecting the best pet insurance plan for your needs.
How We Determined Average Pet Insurance Costs in Maine
All costs in this article are based on or modified from the following profile:
- $5,000 annual limit
- 80% reimbursement
- $500 deductible
- For dogs: Labrador Retriever (6 years old)
- For cats: Ragdoll (7 years old)
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.