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?
Updated: May 1, 2026
Advertising & Editorial Disclosure
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.
Our guides below can help you better understand the best pet insurance in Massachusetts across different situations:
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 deductible, annual limit and reimbursement rate 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 reimbursement amounts 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, such as annual limits and deductibles.
Data filtered by:
$5,000
80%
$500
| Cat | $59 | $704 | 29% |
| Dog | $116 | $1,394 | 29% |
Average Massachusetts Pet Insurance Cost by Breed
Type of pet and breed affect costs, with national monthly rates varying based on an animal's genetics. Monthly premiums across the U.S. range from $64 to $301.
Average Pet Dog Insurance Costs in Massachusetts
In Massachusetts, monthly premiums range from $64 to $301 per month. Costs depend on what breed of dog you have.
Data filtered by:
Select
| Small Mix (Under 20 pounds) | $65 | $775 |
| Small Mix (11-25) | $74 | $889 |
| Small Mix (10 and less pounds) | $75 | $903 |
| Small Mix (0-20) | $76 | $906 |
| Small Mix (1-10 pounds) | $78 | $931 |
| Mixed breed Small (up to 20lbs when full grown) | $78 | $925 |
| Mixed Breed Small (>10 lbs) | $80 | $952 |
| Mixed Breed Small (11-30 lbs) | $83 | $998 |
| Chihuahua | $86 | $1,030 |
| Small Mix (11-30) | $88 | $1,054 |
| Small Mix (25 and less pounds) | $90 | $1,065 |
| Maltipoo | $90 | $1,089 |
| Small Mix (22 pounds or less) | $93 | $1,114 |
| Morkie | $93 | $1,125 |
| Shih Tzu | $94 | $1,130 |
| Toy Mix (10 and less pounds) | $96 | $1,148 |
| Mixed Breed Medium (31-50 lbs) | $96 | $1,145 |
| Cockapoo | $97 | $1,165 |
| Jack Russell Terrier | $97 | $1,166 |
| Cavapoo | $99 | $1,200 |
| Havanese | $100 | $1,203 |
| Medium Mix (20-55 pounds) | $101 | $1,227 |
| Puggle | $103 | $1,232 |
| Miniature Poodle | $103 | $1,232 |
| Yorkshire terrier | $104 | $1,244 |
| Shiba Inu | $104 | $1,250 |
| Cavachon | $104 | $1,248 |
| Schnoodle | $105 | $1,258 |
| Medium Mix (31-59 pounds) | $106 | $1,269 |
| Toy Poodle | $107 | $1,280 |
| Medium Mix (26-50 pounds) | $107 | $1,284 |
| Medium Mix (20-70 pounds) | $107 | $1,288 |
| Medium Mix (31-50 pounds) | $107 | $1,290 |
| Papillon | $109 | $1,308 |
| Maltese | $109 | $1,310 |
| Groodle | $109 | $1,310 |
| Australian Shepherd | $110 | $1,320 |
| Coton De Tulear | $111 | $1,332 |
| Lhasa Apso | $112 | $1,339 |
| Miniature Pinscher | $112 | $1,342 |
| Dachshund | $113 | $1,351 |
| Mixed Dog (21-50 pounds) | $113 | $1,360 |
| Pomeranian | $113 | $1,357 |
| Australian Silky Terrier | $113 | $1,357 |
| Japanese Chin | $113 | $1,360 |
| American Hairless Terrier | $114 | $1,362 |
| Japanese Spitz | $114 | $1,363 |
| Border Collie | $115 | $1,378 |
| Dingo | $116 | $1,391 |
| Basenji | $116 | $1,386 |
| American Eskimo | $116 | $1,396 |
| Shetland Sheepdog | $117 | $1,400 |
| English Toy Terrier | $117 | $1,401 |
| Large Mix (51-110 pounds) | $117 | $1,408 |
| Pekingese | $119 | $1,426 |
| Miniature Dachshund | $119 | $1,426 |
| Fox Terrier | $120 | $1,437 |
| Peruvian Hairless Dog | $120 | $1,440 |
| Australian Terrier | $121 | $1,446 |
| Labradoodle | $121 | $1,445 |
| Goldendoodle | $121 | $1,447 |
| Miniature Schnauzer | $121 | $1,448 |
| West Highland White Terrier | $121 | $1,448 |
| Border Terrier | $121 | $1,450 |
| Husky | $121 | $1,452 |
| Bichon Frise | $122 | $1,467 |
| Welsh Springer Spaniel | $122 | $1,472 |
| Norwich Terrier | $124 | $1,492 |
| German Pinscher | $126 | $1,505 |
| Miniature Fox Terrier | $126 | $1,511 |
| Brussels Griffon | $126 | $1,513 |
| Siberian Husky | $126 | $1,517 |
| Large Mix (Over 70 pounds) | $127 | $1,530 |
| Bearded Collie | $127 | $1,524 |
| Norfolk Terrier | $127 | $1,526 |
| Giant Mix (111 pounds+) | $127 | $1,529 |
| Large Mix (51-100 pounds) | $128 | $1,536 |
| Large Mix (61+ pounds) | $128 | $1,540 |
| Mixed Breed Large (51-90 lbs) | $128 | $1,536 |
| Medium Mix (23-70 pounds) | $128 | $1,542 |
| Australian Cattle Dog | $129 | $1,543 |
| Cairn Terrier | $129 | $1,539 |
| English Foxhound | $129 | $1,546 |
| Italian Greyhound | $130 | $1,556 |
| Large Mix (55-90 pounds) | $130 | $1,570 |
| Finnish Lapphund | $130 | $1,567 |
| Boston Terrier | $131 | $1,563 |
| Irish Terrier | $131 | $1,571 |
| Whippet | $131 | $1,574 |
| Wire Fox Terrier | $132 | $1,583 |
| Petit Basset Griffon Vendeens | $132 | $1,590 |
| Norwegian Elkhound | $133 | $1,593 |
| Affenpinscher | $133 | $1,593 |
| Icelandic Sheepdog | $133 | $1,597 |
| American Foxhound | $133 | $1,595 |
| Standard Schnauzer | $134 | $1,615 |
| Welsh Corgi Cardigan | $135 | $1,618 |
| Foxhound | $136 | $1,626 |
| German Spitz | $136 | $1,631 |
| Alaskan Husky | $137 | $1,639 |
| Beagle | $137 | $1,647 |
| Australian Kelpie | $137 | $1,647 |
| Mixed Dog (51-90 pounds) | $137 | $1,633 |
| Mixed Breed | $137 | $1,654 |
| English Springer Spaniel | $138 | $1,656 |
| Cavalier King Charles Spaniel | $138 | $1,652 |
| Pembroke Welsh Corgi | $139 | $1,664 |
| Welsh Corgi Pembroke | $139 | $1,664 |
| Giant Mix (110 pounds+) | $139 | $1,671 |
| Large Mix (60-109 pounds) | $139 | $1,671 |
| Medium Mix (26-59 pounds) | $139 | $1,671 |
| Small Mix (0-25) | $139 | $1,671 |
| Welsh Terrier | $140 | $1,677 |
| Field Spaniel | $140 | $1,685 |
| Collie | $140 | $1,683 |
| Pointer | $141 | $1,695 |
| Harrier | $142 | $1,695 |
| Soft Coated Wheaten Terrier | $142 | $1,704 |
| Pug | $142 | $1,701 |
| Keeshond | $143 | $1,713 |
| German Shorthaired Pointer | $143 | $1,707 |
| Mixed Dog (91 pounds+) | $143 | $1,721 |
| Tibetan Terrier | $144 | $1,728 |
| Smooth Collie | $144 | $1,730 |
| Samoyed | $145 | $1,744 |
| Cocker spaniel | $147 | $1,761 |
| Puli | $147 | $1,764 |
| English Setter | $148 | $1,777 |
| Italian Spinone | $148 | $1,779 |
| Giant Mix (100 pounds+) | $148 | $1,770 |
| Rough Collie | $150 | $1,801 |
| Basset Fauve de Bretagne | $150 | $1,800 |
| Standard Poodle | $151 | $1,806 |
| Scottish Terrier | $151 | $1,810 |
| Bracco Italiano | $151 | $1,818 |
| English Pointer | $152 | $1,818 |
| Vizsla | $153 | $1,833 |
| Belgian Shepherd Malinois | $153 | $1,835 |
| Saluki | $153 | $1,838 |
| Labrador Retriever | $156 | $1,874 |
| Afghan Hound | $156 | $1,873 |
| Staffordshire Bull Terrier | $157 | $1,878 |
| Portuguese Water Dog | $157 | $1,881 |
| Corgi | $157 | $1,889 |
| German Shepherd | $158 | $1,888 |
| Irish Setter | $159 | $1,913 |
| Alaskan Malamute | $160 | $1,925 |
| Chow Chow | $161 | $1,927 |
| Briard | $161 | $1,935 |
| Golden Retriever | $164 | $1,965 |
| Airedale Terrier | $167 | $2,000 |
| Clumber Spaniel | $168 | $2,021 |
| Alsation | $169 | $2,021 |
| Old English Sheepdog | $169 | $2,027 |
| Akita | $171 | $2,043 |
| Pitbull | $173 | $2,077 |
| Komondor | $173 | $2,080 |
| Hungarian Vizsla | $175 | $2,102 |
| Petit Basset Griffon Vendeen | $176 | $2,111 |
| Greyhound | $179 | $2,150 |
| Alsatian | $180 | $2,161 |
| Dalmatian | $180 | $2,163 |
| Rhodesian Ridgeback | $182 | $2,179 |
| Bull Terrier | $182 | $2,182 |
| American Staffordshire Terrier | $182 | $2,187 |
| Lurcher | $182 | $2,187 |
| Miniature Bull Terrier | $183 | $2,195 |
| Great Pyrenees | $183 | $2,201 |
| Gordon Setter | $184 | $2,209 |
| Basset Hound | $184 | $2,210 |
| Small Mix (20 and under pounds) | $185 | $2,222 |
| Borzoi | $185 | $2,218 |
| Weimaraner | $185 | $2,226 |
| Giant Mix (90 pounds+) | $188 | $2,243 |
| Estrela Mountain Dog | $189 | $2,271 |
| Mixed Breed Giant (>90 lbs) | $195 | $2,344 |
| Central Asian Shepherd Dog | $202 | $2,424 |
| American Bully | $208 | $2,496 |
| Doberman Pincher | $210 | $2,527 |
| Boxer | $214 | $2,574 |
| Bloodhound | $215 | $2,575 |
| Scottish Deerhound | $220 | $2,642 |
| American Bulldog | $223 | $2,677 |
| Caucasian Shepherd Dog | $229 | $2,747 |
| Large Mix (71+ pounds) | $231 | $2,769 |
| Old English Buldogge | $233 | $2,794 |
| Shar Pei | $234 | $2,812 |
| Medium Mix (21-70 pounds) | $240 | $2,881 |
| French Bulldog | $241 | $2,890 |
| Kangal Shepherd Dog | $246 | $2,961 |
| Cane Corso | $248 | $2,975 |
| Tibetan Mastiff | $256 | $3,073 |
| Newfoundland | $260 | $3,118 |
| British Bulldog | $260 | $3,125 |
| Rottweiler | $270 | $3,237 |
| English Bulldog | $271 | $3,249 |
| English Mastiff | $272 | $3,269 |
| Great Dane | $273 | $3,272 |
| Saint Bernard | $288 | $3,449 |
| Olde English Bulldogge | $289 | $3,464 |
*These rates represent policies that have 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average Pet Cat Insurance Costs in Massachusetts
In Massachusetts, cat insurance costs vary by breed, with monthly rates ranging from $70 for Domestic Shorthairs to $96 for Abyssinians. See average monthly costs by breed below:
Data filtered by:
Select
| Domestic Shorthair | $71 | $851 |
| British Longhair | $72 | $858 |
| Bombay | $72 | $856 |
| Siamese | $73 | $877 |
| Ragdoll | $73 | $880 |
| Russian Blue | $74 | $890 |
| Norwegian Forest cat | $78 | $937 |
| Tonkinese | $79 | $951 |
| Birman | $79 | $953 |
| Chinchilla | $81 | $968 |
| Devon Rex | $81 | $972 |
| Munchkin | $81 | $976 |
| Burmese | $81 | $978 |
| Serengeti | $83 | $991 |
| Himalayan | $83 | $992 |
| Scottish Fold | $83 | $998 |
| Bengal | $84 | $1,005 |
| Snowshoe | $84 | $1,012 |
| Cornish Rex | $87 | $1,041 |
| British Shorthair | $87 | $1,043 |
| Persian | $87 | $1,045 |
| Siberian | $88 | $1,052 |
| Savannah | $88 | $1,056 |
| Australian Mist | $89 | $1,071 |
| Balinese | $89 | $1,069 |
| Sphynx | $94 | $1,119 |
| Maine Coon | $94 | $1,124 |
| Exotic Shorthair | $97 | $1,164 |
| Abyssinian | $97 | $1,164 |
*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 affects pet insurance costs in Massachusetts, with annual premiums ranging from $291 to $2,874 as pets get older and face more health risks. Check out age-based insurance costs below:
Data filtered by:
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 found location plays a minimal role in Massachusetts pet insurance pricing, with differences between cities amounting to less than $2 per year. See specific rates for major Massachusetts cities below:
Data filtered by:
Cat
| Worchester | $37 | $445 |
| Springfield | $37 | $446 |
| Boston | $37 | $448 |
*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
Get pet insurance at the lowest price without compromising on coverage.
- 1Assess 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.
- 2Research 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. Also, see if you qualify for pet insurance low-income programs.
- 3Evaluate 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 so you won't face surprises when filing a claim.
- 4Compare Multiple Quotes
Get quotes from several companies for 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.
- 5Review Policy Details
Read the fine print of any policy you're considering. Understand coverage exclusions and waiting periods. Know the policy's pre-existing condition definition and renewal terms.
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 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.