In Massachusetts, pet insurance costs $446 annually for cats and $825 for dogs, making them 29% more expensive compared to 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 Massachusetts?Discover affordable pet insurance in Massachusetts below.
Updated: July 27, 2025
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Key Takeaways
Based on our survey of major pet insurance providers, Massachusetts dog insurance averages $69 per month ($825 per year), while cat insurance averages $37 per month ($446 per year).
Compared to the national average, pet insurance costs in Massachusetts are 29% higher for dogs and 29% higher for cats.
You can find the best cheap pet insurance in Massachusetts by researching providers, selecting appropriate coverage and comparing multiple quotes.
How Much Does Pet Insurance Cost in Massachusetts?
| Cat | $37 | $446 |
| Dog | $69 | $825 |
*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 Massachusetts?
Below are the key factors affecting pet insurance costs in Massachusetts 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 Massachusetts. Our baseline accident-only rates (shown in the main cost table) average $446 to $825 annually, while comprehensive accident and illness coverage ranges from $704 to $1,394 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 typically cost more than cats because of breed-specific health conditions and varying risk levels for accidents or injuries.
Our research shows monthly costs range from about $64 to $301 for dogs and $70 to $96 for cats, depending on your pet's breed.
Pet age
Insurance costs increase as pets age since they become more susceptible to health issues and injuries. In Massachusetts, annual premiums range from $291 for young pets to $2,874 for senior pets, assuming other factors remain constant.
Location
Pet insurance rates in Massachusetts reflect local factors like veterinary costs and regional health risks. Rates run $99 higher per year for cats and $185 higher for dogs compared to national averages. Most cities in Massachusetts show similar pricing, with only minor variations across regions.
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 Massachusetts Pet Insurance Costs by Coverage
Your coverage choice has the biggest impact on what you'll pay. Massachusetts monthly prices range from $24 to $621, 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 | $59 | $704 | 29% |
| Dog | $116 | $1,394 | 29% |
Average Massachusetts Pet Insurance Cost by Breed
Pet type and breed are major factors that determine insurance costs, with national monthly rates varying significantly based on your animal's genetics. Monthly premiums across the U.S. range from $64 to $301, reflecting the substantial cost differences between various cat and dog breeds.
Average Pet Dog Insurance Costs in Massachusetts
In Massachusetts, your dog's breed significantly impacts pet insurance costs, with monthly premiums ranging from $64 to $301 per month. Take a look at the complete breakdown of insurance rates by breed in the table below.
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Dog Breed:Affenpinscher
| Affenpinscher | $129 | $1,555 |
*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 Massachusetts
In Massachusetts, cat insurance costs vary significantly by breed, with monthly rates ranging from $70 for Domestic Shorthairs to $96 for Abyssinians. Here's a detailed breakdown of average monthly costs by breed:
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Cat Breed:Abyssinian
| Abyssinian | $96 | $1,142 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Massachusetts Pet Insurance Cost by Age
Age ranks as one of the top three factors affecting pet insurance costs in Massachusetts, with annual premiums ranging from $291 to $2,874 depending on your pet's age and increased health risks. Here's a detailed breakdown of age-based insurance costs:
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Pet Type:Cat
| Under 1 | $24 | $291 |
| 1 | $26 | $318 |
| 2 | $28 | $340 |
| 3 | $31 | $371 |
| 4 | $34 | $406 |
| 5 | $37 | $441 |
| 6 | $40 | $478 |
| 7 | $55 | $659 |
| 8 | $47 | $562 |
| 9 | $52 | $619 |
| 10 | $58 | $689 |
| 11 | $64 | $772 |
| 12 | $72 | $868 |
| 13 | $78 | $933 |
| 14 | $87 | $1,037 |
| 15 | $96 | $1,146 |
| 16 | $106 | $1,265 |
| 17 | $108 | $1,289 |
| 18 | $119 | $1,422 |
| 19 | $129 | $1,549 |
| 20 | $140 | $1,674 |
*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 Massachusetts Pet Insurance Cost by City
Our analysis shows location plays a minimal role in Massachusetts pet insurance pricing, with differences between cities amounting to less than $2 per year. Take a look at the table below to see specific rates for major Massachusetts cities.
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Pet Type:Cat
| Boston | $37 | $448 |
| Springfield | $37 | $446 |
| Worchester | $37 | $445 |
*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 Massachusetts
Our simple step-by-step guide shows you how to find the best pet insurance at the lowest price without compromising on coverage.
- 1
Assess Your Coverage Needs
Before buying pet insurance, determine how much coverage you need based on your pet and budget. Consider your financial limits, common health issues for your pet's breed and typical vet costs in your area.
- 2
Research Costs and Discounts
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 Provider Reputation
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 Massachusetts: Bottom Line
Pet insurance in Massachusetts costs more than most states. Expect to pay around $37 monthly for cats and $69 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 Massachusetts: FAQ
Find expert answers to common questions about pet insurance costs in Massachusetts below:
How much does pet insurance cost in Massachusetts?
In Massachusetts, dog insurance averages $69 per month, with age-based monthly costs ranging from $42 to $240. For cats, insurance costs average $37 monthly, with age-based rates varying from $24 to $140.
Is Massachusetts pet insurance expensive?
Massachusetts pet insurance runs well above the national average, ranking among the most expensive states for coverage.
How should I go about buying pet insurance in Massachusetts?
To buy pet insurance in Massachusetts, decide on your coverage needs beforehand, research costs and discounts, look into company reputations and coverage details, and compare multiple quotes.
How We Determined Average Pet Insurance Costs in Massachusetts
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.