Based on our survey of major insurers, pet insurance costs in Maine average $423 annually for cats and $777 for dogs, 22% higher than the national average. Your pet's breed and age, along with your coverage choice, directly affect what you pay.
How Much Is Pet Insurance in Maine?
Updated: April 28, 2026
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Key Takeaways
Based on our survey of major providers, Maine pet insurance averages $65 monthly ($777 annually) for dogs and $35 monthly ($423 annually) for cats.
According to our survey, Maine pet insurance costs are 22% higher than the national averages for dogs and cats.
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 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). We included most pet insurance providers but excluded some without these offerings for consistency.
Find the best pet insurance in Maine for your situation:
What Factors Affect Pet Insurance Costs in Maine?
Coverage choice, pet type and breed, and age affect pet insurance costs in Maine. Click each factor for pricing details.
Coverage level
Your chosen deductible, annual limit and reimbursement rate have 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.
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 develop more health issues and injuries. Our research shows annual premiums in Maine range from $274 for younger pets to $2,701 for senior pets, with all other factors held 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 ask about your vet. Different vets charge different prices, which affects reimbursement amounts and 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 based on your pet type and coverage details.
Comprehensive accident and illness coverage rates appear below. Rates vary based on your pet's health history, your veterinarian, annual limits and deductibles.
Data filtered by:
$5,000
80%
$500
| Cat | $56 | $667 | 22% |
| Dog | $109 | $1,313 | 22% |
Average Maine Pet Insurance Cost by Breed
Pet type and breed heavily influence insurance costs. National monthly rates range from $59 to $280 based on breed-level data across the United States.
Average Pet Dog Insurance Costs in Maine
Your dog's breed heavily impacts pet insurance costs in Maine, with monthly premiums ranging from $59 to $280. The table shows rates for different dog breeds.
Data filtered by:
Select
| Small Mix (Under 20 pounds) | $61 | $728 |
| Small Mix (11-25) | $70 | $835 |
| Small Mix (10 and less pounds) | $70 | $848 |
| Small Mix (0-20) | $72 | $851 |
| Small Mix (1-10 pounds) | $73 | $875 |
| Mixed breed Small (up to 20lbs when full grown) | $73 | $869 |
| Mixed Breed Small (>10 lbs) | $75 | $895 |
| Mixed Breed Small (11-30 lbs) | $77 | $938 |
| Chihuahua | $81 | $965 |
| Small Mix (11-30) | $82 | $991 |
| Small Mix (25 and less pounds) | $84 | $1,001 |
| Maltipoo | $85 | $1,023 |
| Small Mix (22 pounds or less) | $87 | $1,047 |
| Morkie | $87 | $1,055 |
| Shih Tzu | $88 | $1,058 |
| Toy Mix (10 and less pounds) | $90 | $1,079 |
| Mixed Breed Medium (31-50 lbs) | $90 | $1,075 |
| Cockapoo | $91 | $1,094 |
| Jack Russell Terrier | $91 | $1,094 |
| Cavapoo | $93 | $1,126 |
| Havanese | $94 | $1,129 |
| Medium Mix (20-55 pounds) | $95 | $1,153 |
| Miniature Poodle | $96 | $1,155 |
| Puggle | $97 | $1,158 |
| Yorkshire terrier | $97 | $1,166 |
| Shiba Inu | $97 | $1,172 |
| Cavachon | $98 | $1,171 |
| Schnoodle | $99 | $1,182 |
| Medium Mix (31-59 pounds) | $99 | $1,192 |
| Toy Poodle | $100 | $1,198 |
| Medium Mix (26-50 pounds) | $100 | $1,206 |
| Medium Mix (20-70 pounds) | $101 | $1,211 |
| Medium Mix (31-50 pounds) | $101 | $1,212 |
| Papillon | $102 | $1,227 |
| Maltese | $102 | $1,229 |
| Groodle | $103 | $1,230 |
| Australian Shepherd | $103 | $1,238 |
| Coton De Tulear | $104 | $1,250 |
| Lhasa Apso | $105 | $1,255 |
| Miniature Pinscher | $105 | $1,260 |
| Dachshund | $106 | $1,266 |
| Mixed Dog (21-50 pounds) | $106 | $1,277 |
| Pomeranian | $106 | $1,273 |
| Japanese Chin | $106 | $1,275 |
| Australian Silky Terrier | $106 | $1,275 |
| American Hairless Terrier | $106 | $1,276 |
| Japanese Spitz | $107 | $1,277 |
| Border Collie | $108 | $1,292 |
| Basenji | $108 | $1,300 |
| Dingo | $109 | $1,309 |
| American Eskimo | $109 | $1,307 |
| English Toy Terrier | $109 | $1,312 |
| Shetland Sheepdog | $110 | $1,313 |
| Large Mix (51-110 pounds) | $110 | $1,323 |
| Miniature Dachshund | $112 | $1,335 |
| Pekingese | $112 | $1,337 |
| Fox Terrier | $112 | $1,347 |
| Peruvian Hairless Dog | $113 | $1,351 |
| Labradoodle | $113 | $1,353 |
| Goldendoodle | $113 | $1,356 |
| Australian Terrier | $113 | $1,358 |
| Miniature Schnauzer | $113 | $1,359 |
| West Highland White Terrier | $113 | $1,359 |
| Border Terrier | $113 | $1,360 |
| Husky | $114 | $1,360 |
| Welsh Springer Spaniel | $115 | $1,381 |
| Bichon Frise | $115 | $1,377 |
| Norwich Terrier | $116 | $1,399 |
| German Pinscher | $118 | $1,412 |
| Miniature Fox Terrier | $118 | $1,417 |
| Brussels Griffon | $118 | $1,419 |
| Siberian Husky | $119 | $1,423 |
| Large Mix (Over 70 pounds) | $119 | $1,438 |
| Norfolk Terrier | $119 | $1,431 |
| Bearded Collie | $119 | $1,431 |
| Giant Mix (111 pounds+) | $120 | $1,437 |
| Large Mix (51-100 pounds) | $120 | $1,443 |
| Australian Cattle Dog | $120 | $1,448 |
| Large Mix (61+ pounds) | $120 | $1,447 |
| Mixed Breed Large (51-90 lbs) | $121 | $1,443 |
| Cairn Terrier | $121 | $1,444 |
| Medium Mix (23-70 pounds) | $121 | $1,449 |
| English Foxhound | $121 | $1,450 |
| Italian Greyhound | $122 | $1,462 |
| Large Mix (55-90 pounds) | $122 | $1,475 |
| Finnish Lapphund | $122 | $1,471 |
| Boston Terrier | $122 | $1,467 |
| Irish Terrier | $123 | $1,475 |
| Whippet | $123 | $1,477 |
| Wire Fox Terrier | $124 | $1,486 |
| Petit Basset Griffon Vendeens | $124 | $1,493 |
| Norwegian Elkhound | $124 | $1,494 |
| Affenpinscher | $124 | $1,495 |
| Icelandic Sheepdog | $125 | $1,498 |
| American Foxhound | $125 | $1,498 |
| Standard Schnauzer | $126 | $1,517 |
| Welsh Corgi Cardigan | $126 | $1,519 |
| German Spitz | $127 | $1,527 |
| Foxhound | $127 | $1,526 |
| Alaskan Husky | $128 | $1,537 |
| Australian Kelpie | $129 | $1,546 |
| Beagle | $129 | $1,546 |
| Mixed Dog (51-90 pounds) | $129 | $1,534 |
| Mixed Breed | $129 | $1,554 |
| English Springer Spaniel | $129 | $1,553 |
| Cavalier King Charles Spaniel | $129 | $1,550 |
| Pembroke Welsh Corgi | $130 | $1,562 |
| Welsh Corgi Pembroke | $130 | $1,562 |
| Giant Mix (110 pounds+) | $131 | $1,570 |
| Large Mix (60-109 pounds) | $131 | $1,570 |
| Medium Mix (26-59 pounds) | $131 | $1,570 |
| Small Mix (0-25) | $131 | $1,570 |
| Welsh Terrier | $131 | $1,571 |
| Field Spaniel | $131 | $1,580 |
| Collie | $131 | $1,577 |
| Pointer | $132 | $1,592 |
| Harrier | $133 | $1,591 |
| Soft Coated Wheaten Terrier | $133 | $1,598 |
| Pug | $133 | $1,597 |
| Keeshond | $134 | $1,606 |
| German Shorthaired Pointer | $134 | $1,603 |
| Mixed Dog (91 pounds+) | $135 | $1,616 |
| Tibetan Terrier | $135 | $1,623 |
| Smooth Collie | $136 | $1,625 |
| Samoyed | $136 | $1,636 |
| Cocker spaniel | $138 | $1,650 |
| Puli | $138 | $1,657 |
| English Setter | $139 | $1,668 |
| Italian Spinone | $139 | $1,670 |
| Giant Mix (100 pounds+) | $139 | $1,662 |
| Rough Collie | $141 | $1,689 |
| Basset Fauve de Bretagne | $141 | $1,688 |
| Standard Poodle | $141 | $1,696 |
| Scottish Terrier | $141 | $1,699 |
| Bracco Italiano | $142 | $1,707 |
| English Pointer | $142 | $1,707 |
| Vizsla | $143 | $1,720 |
| Belgian Shepherd Malinois | $143 | $1,724 |
| Saluki | $144 | $1,723 |
| Labrador Retriever | $147 | $1,761 |
| Afghan Hound | $147 | $1,760 |
| Staffordshire Bull Terrier | $147 | $1,763 |
| Portuguese Water Dog | $147 | $1,765 |
| Corgi | $147 | $1,771 |
| German Shepherd | $148 | $1,771 |
| Irish Setter | $150 | $1,797 |
| Alaskan Malamute | $150 | $1,807 |
| Chow Chow | $151 | $1,810 |
| Briard | $151 | $1,815 |
| Golden Retriever | $153 | $1,842 |
| Airedale Terrier | $156 | $1,878 |
| Alsation | $158 | $1,894 |
| Clumber Spaniel | $158 | $1,898 |
| Old English Sheepdog | $158 | $1,903 |
| Akita | $160 | $1,919 |
| Pitbull | $162 | $1,952 |
| Komondor | $163 | $1,953 |
| Hungarian Vizsla | $164 | $1,972 |
| Petit Basset Griffon Vendeen | $165 | $1,985 |
| Greyhound | $168 | $2,018 |
| Alsatian | $169 | $2,030 |
| Dalmatian | $169 | $2,031 |
| Lurcher | $170 | $2,048 |
| Rhodesian Ridgeback | $170 | $2,046 |
| Bull Terrier | $170 | $2,048 |
| American Staffordshire Terrier | $171 | $2,052 |
| Miniature Bull Terrier | $171 | $2,060 |
| Great Pyrenees | $172 | $2,063 |
| Gordon Setter | $173 | $2,076 |
| Basset Hound | $173 | $2,076 |
| Small Mix (20 and under pounds) | $174 | $2,086 |
| Borzoi | $174 | $2,079 |
| Weimaraner | $174 | $2,089 |
| Giant Mix (90 pounds+) | $176 | $2,107 |
| Estrela Mountain Dog | $177 | $2,132 |
| Mixed Breed Giant (>90 lbs) | $183 | $2,202 |
| Central Asian Shepherd Dog | $190 | $2,276 |
| American Bully | $195 | $2,344 |
| Doberman Pincher | $198 | $2,379 |
| Bloodhound | $201 | $2,414 |
| Boxer | $202 | $2,424 |
| Scottish Deerhound | $207 | $2,482 |
| American Bulldog | $209 | $2,513 |
| Caucasian Shepherd Dog | $214 | $2,574 |
| Large Mix (71+ pounds) | $216 | $2,598 |
| Old English Buldogge | $218 | $2,624 |
| Shar Pei | $220 | $2,644 |
| Medium Mix (21-70 pounds) | $225 | $2,704 |
| French Bulldog | $226 | $2,712 |
| Kangal Shepherd Dog | $231 | $2,774 |
| Cane Corso | $233 | $2,793 |
| Tibetan Mastiff | $240 | $2,886 |
| British Bulldog | $244 | $2,929 |
| Newfoundland | $244 | $2,930 |
| Rottweiler | $253 | $3,036 |
| English Bulldog | $254 | $3,048 |
| Great Dane | $256 | $3,070 |
| English Mastiff | $256 | $3,079 |
| Saint Bernard | $269 | $3,235 |
| Olde English Bulldogge | $271 | $3,255 |
*Rates based on 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average Pet Cat Insurance Costs in Maine
Monthly cat insurance rates in Maine vary by breed, ranging from $67 for domestic shorthairs to $91 for Abyssinians:
Data filtered by:
Select
| Domestic Shorthair | $69 | $822 |
| British Longhair | $69 | $829 |
| Bombay | $69 | $828 |
| Siamese | $71 | $848 |
| Ragdoll | $71 | $850 |
| Russian Blue | $72 | $861 |
| Norwegian Forest cat | $75 | $904 |
| Tonkinese | $77 | $918 |
| Birman | $77 | $920 |
| Chinchilla | $78 | $936 |
| Devon Rex | $78 | $938 |
| Munchkin | $78 | $942 |
| Burmese | $79 | $946 |
| Serengeti | $80 | $956 |
| Himalayan | $80 | $958 |
| Scottish Fold | $81 | $964 |
| Bengal | $81 | $971 |
| Snowshoe | $81 | $977 |
| Cornish Rex | $84 | $1,006 |
| British Shorthair | $84 | $1,008 |
| Persian | $84 | $1,010 |
| Siberian | $85 | $1,014 |
| Savannah | $85 | $1,018 |
| Australian Mist | $86 | $1,033 |
| Balinese | $86 | $1,032 |
| Maine Coon | $91 | $1,085 |
| Sphynx | $91 | $1,081 |
| Abyssinian | $94 | $1,124 |
| Exotic Shorthair | $94 | $1,124 |
*Quotes reflect 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average Maine Pet Insurance Cost by Age
Age is the third most important 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 shows costs by pet age.
Data filtered by:
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 |
*Based on 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 that location within Maine makes virtually no difference in pet insurance costs, with rates staying consistent across different cities. The table shows costs for your area.
Data filtered by:
Cat
| Portland | $35 | $423 |
*Based on 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
Secure pet insurance with quality coverage at the lowest price through this practical step-by-step guide.
- 1Determine your pet's coverage needs
Find out how much coverage you need based on your pet's needs and your budget. Decide what you can pay each month, research health and behavioral issues typical for your pet's breed and check vet costs with your usual veterinarian and around your location.
- 2Research cost factors
Check what insurance costs for your pet type and the coverage you want so you'll spot a good price. Pet insurance offers fewer discounts than other insurance types, but look for multi-pet and bundling savings when possible. Check if you qualify for low-income pet insurance programs.
- 3Evaluate insurance providers
Read customer opinions on forums for honest feedback about different companies. Review coverage options, waiting periods and claims processes so nothing catches you off guard when you need to file a claim.
- 4Compare multiple quotes
Request quotes from multiple companies to ensure you're getting the best value. Most insurers provide quick online quotes for dogs and cats. You'll need to call if you have an exotic pet.
- 5Review policy details
Read the fine print of any policy you're considering. Pay close attention to coverage exclusions and waiting periods. Make sure you understand the policy's pre-existing condition clause and renewal terms.
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:
How much does pet insurance cost in Maine?
Dog insurance in Maine averages $65 monthly, with age-based rates ranging from $40 to $225. Cat insurance averages $35 monthly, with 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
Pet insurance pricing in Maine varies based on coverage choices, breeds and age, making it hard to know what you'll actually pay. We standardized our research approach to give you apples-to-apples rate comparisons across major insurers serving Maine.
Our Sample Profile
We gathered quotes using realistic coverage parameters that reflect what most Maine pet owners choose:
- $5,000 annual limit: Covers most routine and emergency care without paying for coverage you won't use
- 80% reimbursement: The most common reimbursement level, balancing affordable premiums with solid coverage
- $500 deductible: A middle-ground option that keeps monthly costs reasonable while you retain manageable out-of-pocket responsibility
Why These Breeds?
We selected breeds common in Maine households and representative of average insurance costs:
- Dogs: Labrador Retriever (6 years old) – Maine's most popular breed and a medium-sized dog with moderate health risks
- Cats: Ragdoll (7 years old) – A popular purebred that represents typical feline insurance costs
These breeds avoid the extreme highs of breeds with known genetic issues or the extreme lows of mixed breeds, giving you a realistic baseline for comparison.
How to Apply This Data
Your actual rates will differ based on your pet's breed, age, health history and your chosen veterinarian. Use our figures as a starting point, then request personalized quotes from multiple insurers. Most companies provide instant online quotes for dogs and cats; you'll get your actual rate in minutes.
About Connor Bolton
Connor Bolton is Senior SEO and Content Manager at MoneyGeek, where he leads the business and pet insurance editorial teams. As editorial lead for both verticals, Connor sets the research framework, data standards, and content structure that his writers execute, directly authoring in-depth guides himself and reviewing all team content for accuracy and practical value before it goes live. With over four years evaluating insurance products across personal, commercial, and specialty lines, he brings cross-vertical knowledge to every guide the team produces.
Connor architected MoneyGeek's insurance research infrastructure across all major verticals including auto, home, renters, life, health, business, and pet, building systems for pricing analysis, provider-level research, customer experience evaluation, and coverage analysis with AI support. The infrastructure includes over 6 million data points for business insurance across 408 industry areas, all 50 states, and 16 vehicle types, and over 5 million pet insurance profiles across 18 major providers and hundreds of breed and age combinations. Connor's insurance cost research and his team's work has been cited by the U.S. Chamber of Commerce, Allstate, Liberty Mutual, CBS News, Forbes and LegalZoom.
Beyond the data, Connor stays connected to how the market actually operates, drawing on direct conversations with underwriters and carrier liaisons at Ethos, The Hartford, NEXT Insurance, Nationwide, and State Farm, and monitoring business and pet owner communities including Reddit, to inform how he interprets findings and frames guidance for real buyers.
He is the direct editorial contact for methodology questions at connor@moneygeek.com and can be found on LinkedIn.