Based on our survey of major pet insurance providers, pet insurance costs average $324 annually for cats and around $596 for dogs in Vermont, which is 7% cheaper 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 Vermont?
Updated: July 28, 2025
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Key Takeaways
In Vermont, dog insurance averages $50 per month ($596 per year), while cat insurance averages $27 per month ($324 per year).
According to our survey, Vermont pet insurance costs are 7% lower than the national average for both dogs and cats.
You can find the best cheap pet insurance in Vermont by researching providers, selecting appropriate coverage and comparing multiple quotes.
How Much Does Pet Insurance Cost in Vermont?
| Cat | $27 | $324 |
| Dog | $50 | $596 |
*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 Vermont?
Several factors influence pet insurance costs in Vermont, from your pet's age to your chosen coverage level — expand each section below to see how these elements affect your premium.
Coverage level
Your coverage choice has the biggest impact on what you'll pay. Our baseline accident-only rates average $324 to $596 annually, while comprehensive accident and illness coverage ranges from $510 to $1,007 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. Cats are usually cheaper to insure, with annual premiums from $210 to $818, while dogs cost $596 to $1,116 per year since they tend to have more health problems and pricier vet bills.
Pet age
Insurance costs increase as pets age because they become more susceptible to health issues and accidents. In Vermont, annual premiums can vary from $210 for young pets to $2,074 for senior pets, assuming all other factors remain constant.
Location
Your location affects pet insurance rates through factors like local veterinary costs and regional health risks. Vermont pet insurance costs about $23 lower than the national average for cats and $43 lower for dogs annually. Our research shows minimal variation in rates across Vermont cities.
Your vet
The veterinary clinic you choose influences your insurance premiums because treatment costs vary between providers. Insurance companies consider your primary vet's typical service rates when determining your premium costs.
Average Vermont Pet Insurance Costs by Coverage
In Vermont, your choice of coverage level is the biggest factor in determining pet insurance costs, with monthly premiums ranging from $18 to $448 depending on your selected coverage and type of pet.
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 | $43 | $510 | -7% |
| Dog | $84 | $1,007 | -7% |
Average Vermont Pet Insurance Cost by Breed
Pet type and breed significantly influence insurance costs, with monthly rates varying dramatically based on your animal's genetics and size. Based on national data, pet insurance premiums range from $46 to $216 per month across different cat and dog breeds.
Average Pet Dog Insurance Costs in Vermont
In Vermont, your dog's breed significantly impacts pet insurance costs, with monthly rates ranging from $46 for small mixed breeds to $216 for Bull Mastiffs. Take a look at the table below to find specific insurance rates for your dog's breed.
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Dog Breed:Affenpinscher
| Affenpinscher | $93 | $1,116 |
*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 Vermont
Monthly cat insurance rates in Vermont vary based on breed, with costs ranging from $50 to $68, as shown in the detailed breakdown below.
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Cat Breed:Abyssinian
| Abyssinian | $68 | $818 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Vermont Pet Insurance Cost by Age
A pet's age ranks as the third most influential factor in Vermont insurance pricing, with annual costs ranging from $210 to $2,074 depending on the animal's age and species. The table below shows how rates increase as pets get older, reflecting the higher health risks that come with age.
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Pet Type:Cat
| Under 1 | $18 | $210 |
| 1 | $19 | $230 |
| 2 | $20 | $246 |
| 3 | $22 | $268 |
| 4 | $24 | $294 |
| 5 | $27 | $319 |
| 6 | $29 | $346 |
| 7 | $40 | $474 |
| 8 | $34 | $407 |
| 9 | $37 | $448 |
| 10 | $42 | $498 |
| 11 | $47 | $558 |
| 12 | $52 | $628 |
| 13 | $56 | $675 |
| 14 | $63 | $750 |
| 15 | $69 | $829 |
| 16 | $76 | $915 |
| 17 | $78 | $930 |
| 18 | $86 | $1,026 |
| 19 | $93 | $1,117 |
| 20 | $101 | $1,207 |
*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 Vermont Pet Insurance Cost by City
Your city barely affects pet insurance rates in Vermont: just a few dollars difference per year. Below are costs for some of Vermont's biggest cities.
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Pet Type:Cat
| Burlington | $27 | $324 |
*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). Vermont's smaller population means fewer major metropolitan areas for comparison. Burlington represents the state's largest city and typical statewide rates.
How to Get the Best Cheap Pet Insurance in Vermont
To help you find the best pet insurance for the lowest price, we've created a simple step-by-step guide below.
- 1
Determine Your Coverage Needs
Before buying pet insurance, you have to find out how much coverage you need that works for both 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
Look into average pet insurance costs for your specific pet type and desired coverage level. While pet insurance offers fewer discounts than other insurance types, you can often save money through multi-pet policies or by bundling with other insurance products.
- 3
Evaluate Company Reputations
Read customer reviews on trusted forums to understand real experiences with different insurance providers. Pay close attention to coverage details, waiting periods, and claims processes to ensure the company can properly meet your needs.
- 4
Compare Multiple Quotes
Get quotes from at least three different pet insurance providers to find the best value. While most companies offer instant online quotes for cats and dogs, exotic pet owners should prepare to contact providers directly for specialized coverage options.
- 5
Review Policy Details
Carefully examine the policy terms, including coverage limits, deductibles, and any exclusions. Make sure you understand what conditions are covered, which are excluded, and how the reimbursement process works before making your final decision.
Average Pet Insurance Cost in Vermont: Bottom Line
Pet insurance in Vermont is relatively cheaper compared to most states, with monthly premiums averaging $50 for dogs and $27 for cats. Your actual costs will vary based on your pet's breed, age and the coverage level you select. Compare quotes from multiple insurers to find the most suitable coverage for your pet's needs.
Pet Insurance Cost in Vermont: FAQ
We've compiled comprehensive answers to the most common questions about pet insurance costs and pricing options in Vermont to help you make an informed decision.
How much does pet insurance cost in Vermont?
In Vermont, dog insurance averages $50 per month, with age-based monthly costs ranging from $3 to $14. Cat coverage costs about $27 monthly on average, with age-based rates varying from $1 to $8 per month.
Is Vermont pet insurance expensive?
Vermont is relatively affordable for pet insurance when insuring dogs and cats, ranking 28th among all U.S. states for coverage costs.
How should I go about buying pet insurance in Vermont?
Determine your desired coverage level, research provider ratings and policy details, compare quotes from multiple insurers, and check available discounts before purchasing pet insurance.
How We Determined Average Pet Insurance Costs in Vermont
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.