Lemonade takes the top spot in Maryland for cat and dog insurance, combining broad coverage with quality service. AKC, Pumpkin, Pets Best and Spot round out the list with reliable protection.
Best Pet Insurance in Maryland
Updated: January 29, 2026
Advertising & Editorial Disclosure
Key Takeaways
Lemonade leads Maryland's pet insurance market with monthly rates starting at $9. The company pairs affordable pricing with strong customer service.
Maryland dog owners find the cheapest pet insurance with Lemonade at $51 per month, while Pumpkin posts the lowest average rates for cats at $21.
Review different insurance plans to find the right mix of cost and coverage for your pet.
Best Pet Insurance Companies in Maryland
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| Lemonade | 4.50 | $51 |
| AKC | 4.15 | $69 |
| Pets Best | 4.10 | $61 |
| Spot | 3.80 | $68 |
| Pumpkin | 3.75 | $62 |
| Rainwalk | 3.75 | $79 |
Lemonade
Best Overall
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Points
Average Monthly Rate for Dogs
$51Average Monthly Rate for Cats
$24Overall Reddit Sentiment
72% positiveMaximum Annual Limit
$100,000
Best Pet Insurance by Dog Breed
AKC leads the pack for most dog breeds in Maryland, while Lemonade and Pets Best excel with specific breeds.
Data filtered by:
Affenpinscher
| Pets Best | 4.34 | $27 |
| Lemonade | 4.3 | $31 |
| AKC | 4.25 | $59 |
| Rainwalk | 4.2 | $57 |
| Spot | 4 | $48 |
Best Pet Insurance by Cat Breed
AKC dominates pet insurance rankings for most cat breeds in Maryland, with Pets Best and Lemonade as strong alternatives. Find the best coverage for your cat's breed below.
Data filtered by:
Abyssinian
| AKC | 4.4 | $50 |
| Lemonade | 4.34 | $25 |
| Rainwalk | 4.3 | $47 |
| Pets Best | 4.3 | $32 |
| Spot | 4.15 | $35 |
Cheapest Pet Insurance in Maryland
Lemonade offers Maryland's most affordable dog insurance at $51 monthly or $607 yearly. For cats, Pumpkin provides the lowest-cost coverage at $21 monthly or $253 yearly.
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| Lemonade | $51 | $607 | -33% |
| Pets Best | $61 | $738 | -18% |
| Pumpkin | $62 | $739 | -18% |
| ASPCA | $63 | $761 | -16% |
| Met Life | $66 | $791 | -13% |
| Hartville | $68 | $809 | -11% |
| Spot | $68 | $816 | -10% |
| AKC | $69 | $834 | -8% |
| Liberty Mutual | $71 | $851 | -6% |
| Rainwalk | $79 | $944 | 4% |
| Figo | $80 | $966 | 7% |
| Embrace | $101 | $1,213 | 34% |
| Fetch | $103 | $1,237 | 37% |
| Nationwide | $110 | $1,324 | 46% |
Cheapest Maryland Pet Insurance by Dog Breed
Lemonade, Pumpkin and Pets Best offer the most affordable dog insurance in Maryland, with rates starting at $17 monthly.
Data filtered by:
Affenpinscher
| Pets Best | $27 | $329 | -53% |
| Lemonade | $31 | $372 | -47% |
| Pumpkin | $37 | $439 | -37% |
| ASPCA | $44 | $533 | -24% |
| Fetch | $46 | $557 | -20% |
Cheapest Maryland Pet Insurance by Cat Breed
Pets Best (13 wins), Lemonade (8 wins) and Pumpkin (8 wins) offer the most affordable coverage across cat breeds, with rates starting at $15 monthly.
Data filtered by:
Abyssinian
| Lemonade | $25 | $296 | -58% |
| Pets Best | $32 | $383 | -45% |
| Pumpkin | $34 | $408 | -42% |
| Spot | $35 | $419 | -40% |
| Hartville | $35 | $421 | -40% |
How Much Is Pet Insurance in Maryland?
Maryland pet insurance averages $89 monthly for dogs and $46 for cats. Dog insurance costs 2% less than national averages, while cat coverage runs 1% higher.
Data filtered by:
$5,000
$500
80%
| Cat | $46 | $550 | 0% |
| Dog | $89 | $1,062 | -2% |
How to Get the Best Cheap Pet Insurance in Maryland
Finding the best cheap provider and coverage plan in Maryland can be difficult. Here's how to find the best pet insurance for your needs:
- 1Evaluate Your Pet's Coverage Needs First
List your pet’s age, breed, and known health risks before choosing a coverage level. A quick conversation with your vet about breed-related conditions helps you estimate realistic coverage amounts.
- 2Look for Insurance Discounts
Look for savings through multi-pet plans or lower rates for paying annually. Many Maryland insurers also reduce premiums for military households and spayed or neutered pets.
- 3Check Insurance Company Ratings
Read customer reviews and check financial strength ratings for each provider. Prioritize insurers with a consistent track record of timely claim payments and responsive customer support.
- 4Get Multiple Insurance Quotes
Collect quotes from at least three insurers using the same deductible, reimbursement rate, and annual limit. Comparing identical plans gives a clearer picture of true price differences.
- 5Review Your Policy Annually
Premiums often rise as pets get older or after claims. Compare renewal rates with other providers annually to confirm your policy still offers fair value.
Best Pet Insurance in Maryland: Bottom Line
Lemonade takes the top spot for Maryland pet insurance covering both dogs and cats. Pet owners on a budget get the lowest dog premiums through Lemonade, while Pumpkin delivers the best cat rates.
Review several plans to match your budget with the protection your pet needs.
Pet Insurance in Maryland: FAQ
If you’re considering pet insurance in Maryland, these answers cover the questions pet owners ask most often:
What are the best pet insurance companies in Maryland?
Lemonade, Pumpkin, AKC and Pets Best lead Maryland's pet insurance market with broad coverage options for your pets.
Which company has the cheapest pet insurance in Maryland?
Lemonade and Pumpkin have the lowest rates in Maryland. Monthly costs start at $51 for dogs and $21 for cats.
How much is pet insurance in Maryland?
Maryland pet insurance averages about $550 per year for cats and $1,062 for dogs. Annual premiums across the state run from $67 to $13,089 based on coverage choices and your pet's characteristics.
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 Maryland
We reviewed 20 major pet insurance companies in the U.S., compared their policies, and collected sample quotes for Maryland residents. To make our comparisons fair, we used the following standard profile:
- $5,000 annual coverage limit
- 80% reimbursement rate
- $500 deductible
- six-year-old Labrador Retriever (for dogs)
- seven-year-old Ragdoll (for cats)
Our Company Rating System
This simple rating system combines pricing data, customer feedback and coverage details to give a full picture of each provider:
- Affordability (50% of score): Based on proprietary quote data across different coverage levels, pet ages and breeds. We also looked at available discounts and how they affect premiums.
- Customer experience (30% of score): Includes customer reviews, ratings from trusted sources like AM Best and feedback from pet owners on platforms such as Reddit.
- Coverage options (20% of score): Evaluates available add-ons, exclusions and included benefits. We compared these against common veterinary costs to see how useful each policy is.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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 February 7, 2026.