Lemonade is the best pet insurance provider for cats and dogs in Maine, offering superior coverage and service across both pet types. Other strong insurance options in the state include AKC, Rainwalk and Pumpkin.
Best Pet Insurance in Maine
Updated: September 10, 2025
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Key Takeaways
Lemonade offers the best pet insurance for pets in Maine, with monthly rates starting at $11. It combines competitive pricing with 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 insurance providers to find coverage that matches your pet's needs and your budget while offering reliable protection.
Best Pet Insurance Companies in Maine
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Dog or Cat:Dog
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Pet Age Group:Middle Aged
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$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
Overall, AKC dominates the best pet insurance rankings for most dog breeds in Maine, while Lemonade and Rainwalk are top picks for select breeds. Below, you can review which companies are best for your dog in the state.
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Breed: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
Our research shows Rainwalk dominates pet insurance rankings for most cat breeds in Maine, while AKC stands out as another strong option. Below, you can review which companies are best for your specific cat breed in the state.
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Breed: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.
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Dog or Cat:Dog
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Pet Age Group:Middle Aged
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$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.
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Breed: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.
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Breed: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.
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Annual Limit:$5,000
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Deductible:$500
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Reimbursement %:80%
| Cat | $56 | $667 | 22% |
| Dog | $109 | $1,313 | 22% |
How to Get the Best Cheap Pet Insurance in Maine
Finding the best cheap provider and coverage plan in Maine can be difficult. Here's how to find the best pet insurance for your needs:
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Evaluate 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.
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Look 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.
- 3
Check Insurance Company Ratings
Research customer reviews and financial strength ratings of pet insurance providers serving Maine. Strong ratings typically indicate reliable claim payments and good customer service.
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Get 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.
- 5
Review Coverage Annually
Pet insurance rates often increase as pets age, so check rates yearly. Shopping around each renewal period can help you maintain affordable coverage.
Best Pet Insurance in Maine: Bottom Line
Lemonade is 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. While these providers stand out in our research, compare different 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?
Start by determining your pet's specific coverage needs based on age, breed and health history. Research multiple providers' 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 that match your requirements.
How We Found the Best and Cheapest Pet Insurance in Maine
We researched all 20 major pet insurance providers in the United States, compared their policies and gathered quotes for Maine residents. Here's the standard profile we used for our comparisons:
- $5,000 annual limit
- 80% reimbursement
- $500 deductible
- 6-year-old Labrador Retriever if dog
- 7-year-old Ragdoll if cat
Our Company Rating System
To ensure our ratings are accurate to pet and pet owner's needs, we simplified our rating mechanism for easy understanding and comprehensive inclusion of all available information:
- Affordability (50% of score): We used proprietary quote data for all combinations of coverage, pet ages, and breeds owned in the U.S. to compare affordability scores for all providers. We also considered discounts and how each company calculates them into your premium.
- Customer experience (30% of score): Using customer ratings we scoured across the internet, industry scores from reliable agencies like AM Best, and Reddit comment sentiment for companies to get this score.
- Coverage options (20% of score): We considered all terms, add-ons and inclusions when determining this score. We also gauged these coverage restrictions and inclusions against the most commonly needed pet medical-related costs to assess their usefulness.
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.
sources
- Trustpilot. "Lemonade Reviews." Accessed September 17, 2025.