Lemonade ranks as the best pet insurance provider for cats and dogs in Maine, offering superior coverage and service across both pet types. AKC, Rainwalk and Pumpkin also provide strong insurance options in the state.
Best Pet Insurance in Maine
Updated: October 23, 2025
Advertising & Editorial Disclosure
Key Takeaways
Lemonade offers the best pet insurance for pets in Maine, with monthly rates starting at $11 and excellent customer service.
For the cheapest pet insurance in Maine, Lemonade charges $63 monthly for dogs, while Pumpkin offers the lowest cat rates at $26.
Compare multiple providers to find coverage matching your pet's needs and budget while offering reliable financial protection.
Best Pet Insurance Companies in Maine
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| Lemonade | 4.50 | $63 |
| AKC | 4.25 | $80 |
| Rainwalk | 4.15 | $80 |
| Pets Best | 4.05 | $76 |
| Spot | 3.80 | $82 |
Lemonade
Best Overall
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate for Dogs
$63Average Monthly Rate for Cats
$30Overall Reddit Sentiment
72% positiveMaximum Annual Limit
$100,000
Best Pet Insurance by Dog Breed
AKC leads the best pet insurance rankings for most dog breeds in Maine, while Lemonade and Rainwalk are top picks for select breeds.
Data filtered by:
Affenpinscher
| Rainwalk | 4.35 | $55 |
| Pets Best | 4.35 | $34 |
| AKC | 4.25 | $71 |
| Lemonade | 4.25 | $38 |
| Spot | 4 | $57 |
Best Pet Insurance by Cat Breed
Rainwalk leads pet insurance rankings for most cat breeds in Maine, while AKC stands out as another strong option.
Data filtered by:
Abyssinian
| Rainwalk | 4.5 | $40 |
| AKC | 4.45 | $52 |
| Lemonade | 4.35 | $31 |
| Pets Best | 4.3 | $40 |
| Spot | 4.15 | $40 |
Cheapest Pet Insurance in Maine
In Maine, Lemonade offers the cheapest pet insurance for dogs at $63 per month or $752 per year. For cats, Pumpkin provides the most affordable coverage at $26 monthly or $314 annually.
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| Lemonade | $63 | $752 | -29% |
| Pets Best | $76 | $915 | -13% |
| Pumpkin | $76 | $915 | -13% |
| Met Life | $77 | $923 | -12% |
| ASPCA | $78 | $936 | -11% |
| Hartville | $78 | $936 | -11% |
| AKC | $80 | $959 | -9% |
| Rainwalk | $80 | $966 | -8% |
| Spot | $82 | $984 | -7% |
| Liberty Mutual | $88 | $1,053 | -0% |
| Figo | $98 | $1,185 | 12% |
| Embrace | $118 | $1,416 | 34% |
| Nationwide | $127 | $1,530 | 45% |
| Fetch | $128 | $1,532 | 45% |
Cheapest Maine Pet Insurance by Dog Breed
In Maine, Lemonade, Pumpkin and Pets Best offer the most affordable dog insurance across breeds, with plans starting at $21 monthly.
Data filtered by:
Affenpinscher
| Pets Best | $34 | $408 | -49% |
| Lemonade | $38 | $460 | -42% |
| Pumpkin | $45 | $544 | -32% |
| Hartville | $54 | $648 | -19% |
| ASPCA | $54 | $649 | -18% |
Cheapest Maine Pet Insurance by Cat Breed
In Maine, Pets Best (13 wins), Lemonade (8 wins) and Pumpkin (8 wins) provide the most affordable coverage across cat breeds. Rates start at $18 per month for standard plans.
Data filtered by:
Abyssinian
| Lemonade | $31 | $367 | -54% |
| Hartville | $39 | $461 | -42% |
| Pets Best | $40 | $474 | -40% |
| Rainwalk | $40 | $479 | -40% |
| Spot | $40 | $481 | -40% |
How Much Is Pet Insurance in Maine?
Maine pet insurance costs an average of $109 monthly for dogs and $56 for cats. These rates run 22% higher than the national average for both types of pets.
Data filtered by:
$5,000
$500
80%
| Cat | $56 | $667 | 22% |
| Dog | $109 | $1,313 | 22% |
How to Get the Best Cheap Pet Insurance in Maine
Finding the best affordable provider and coverage plan in Maine requires strategic comparison. Here's how to find coverage matching your needs:
- 1Evaluate Your Pet's Insurance Needs First
Consider your pet's age, breed and potential health risks before shopping for insurance. Focus on coverage that matches your budget and your pet's specific medical needs.
- 2Look for Available Insurance Discounts
Check if you qualify for savings through a multi-pet plan or annual payment options. Many insurers offer discounts for paying the full year upfront or bundling with other insurance products.
- 3Check Insurance Company Ratings
Research customer reviews and financial strength ratings of pet insurance providers serving Maine. Strong ratings indicate reliable claim payments and good customer service.
- 4Get Multiple Insurance Quotes
Request quotes from at least three different pet insurance companies for similar coverage levels. This comparison helps ensure you're getting competitive rates for your pet's insurance.
- 5Review Coverage Annually
Pet insurance rates often increase as pets age, so check rates yearly. Shopping around each renewal period helps you maintain affordable coverage.
Best Pet Insurance in Maine: Bottom Line
Lemonade ranks as our top pick for pet insurance in Maine, while Lemonade and Pumpkin lead for the most affordable coverage.
Lemonade offers the best policies for cats and dogs, with Pumpkin providing cost-effective options for cat owners. Compare plans and coverage options to find what works best for your pet's needs.
Pet Insurance in Maine: FAQ
Here are answers to frequently asked questions about Maine pet insurance:
What are the best pet insurance companies in Maine?
Pet owners in Maine have excellent insurance options, with Lemonade, Pumpkin, Rainwalk and AKC ranking as the most reliable providers based on comprehensive coverage and service quality.
Which company has the cheapest pet insurance in Maine?
Lemonade and Pumpkin provide the most competitive pet insurance rates in Maine. Monthly premiums start at $63 for dogs and $26 for cats.
How much is pet insurance in Maine?
In Maine, pet insurance costs around $667 annually for cats and $1,313 for dogs. Annual premiums across the state can range from $82 to $16,158, depending on coverage options and pet factors.
What is the best way to find the right pet insurance provider?
Determine your pet's specific coverage needs based on age, breed and health history. Research provider reputations through customer reviews and industry ratings.
Compare policy details, coverage limits and deductibles from at least three companies. Get quotes from top-rated insurers to find competitive rates matching your requirements.
How We Found the Best and Cheapest Pet Insurance in Maine
MoneyGeek reviewed 20 major pet insurance providers across the U.S., comparing their policies and gathering quotes specific to Maine residents.
- $5,000 annual limit
- 80% reimbursement
- $500 deductible
- six-year-old Labrador Retriever (for dog quotes)
- seven-year-old Ragdoll (for cat quotes)
Our Company Rating System
To make our ratings more useful for pet owners, we created a simplified scoring system that still reflects all key factors:
- Affordability (50% of score): We used proprietary quote data covering different combinations of coverage levels, pet ages, and breeds nationwide to compare costs across providers. Discounts and how they affect premiums were also factored into each score.
- Customer experience (30% of score): We reviewed customer ratings from multiple online sources, industry assessments from agencies like AM Best and public feedback from forums such as Reddit.
- Coverage options (20% of score): We analyzed each company’s policy terms, add-ons and inclusions, comparing them to common pet medical expenses to assess their real-world value.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Trustpilot. "Lemonade Reviews." Accessed October 31, 2025.