Lemonade is the best pet insurance company for cats and dogs in Maryland due to its comprehensive coverage options and service quality. Other strong insurance providers include AKC, Pumpkin and Pets Best.
Best Pet Insurance in Maryland
Updated: September 11, 2025
Advertising & Editorial Disclosure
Key Takeaways
Lemonade offers the best pet insurance in Maryland, with monthly rates starting at $9. It combines competitive pricing with excellent customer service.
In Maryland, Lemonade provides the cheapest pet insurance for dogs at $51 per month, while Pumpkin has the lowest premiums for cats at $21.
Compare multiple insurance plans and coverage options to find the right balance of cost and protection for your pet's specific needs.
Best Pet Insurance Companies in Maryland
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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 | $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 Options
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
Overall, AKC dominates the best pet insurance rankings for most dog breeds in Maryland, while Lemonade and Pets Best 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
| Pets Best | 4.35 | $27 |
| Lemonade | 4.3 | $31 |
| AKC | 4.25 | $59 |
| Rainwalk | 4.2 | $57 |
| Spot | 4 | $48 |
Best Pet Insurance by Cat Breed
AKC dominates the best pet insurance rankings for most cat breeds in Maryland, while Pets Best and Lemonade stand out as strong alternatives. Review the company-by-breed breakdown below to find the best coverage for your cat.
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Breed:Abyssinian
| AKC | 4.4 | $50 |
| Lemonade | 4.35 | $25 |
| Rainwalk | 4.3 | $47 |
| Pets Best | 4.3 | $32 |
| Spot | 4.15 | $35 |
Cheapest Pet Insurance in Maryland
In Maryland, Lemonade offers the most affordable dog insurance at $51 per month or $607 per year. For cats, Pumpkin provides the lowest-cost coverage at $21 per month or $253 per year.
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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 | $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
In Maryland, Lemonade, Pumpkin and Pets Best offer the most affordable pet insurance for dogs, with rates starting at $17 monthly.
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Breed: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
In Maryland, Pets Best (13 wins), Lemonade (8 wins) and Pumpkin (8 wins) offer the most affordable coverage across cat breeds. Rates start at $15 per month for standard plans.
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Breed: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 costs average $89 monthly for dogs and $46 for cats. These rates align closely with national averages, with dog insurance costing 2% less and cat coverage running just 1% higher than typical U.S. rates.
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Annual Limit:$5,000
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Deductible:$500
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Reimbursement %: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:
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Evaluate Your Pet's Coverage Needs First
When choosing coverage levels, consider your pet's age, breed and potential health risks. Talk with your vet about common health issues for your pet's breed to determine appropriate coverage amounts.
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Look for Available Insurance Discounts
Check if you qualify for savings through a multi-pet plan or annual payment discounts. Many Maryland insurers offer reduced rates for military members and spayed or neutered pets.
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Check Insurance Company Ratings
Check customer reviews and financial strength ratings of pet insurance providers serving Maryland. Focus on providers with strong track records of paying claims promptly and providing good customer service.
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Get Multiple Insurance Quotes
Get quotes from at least three insurers for identical coverage levels, ensuring you're getting competitive rates for your pet.
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Review Your Policy Annually
Pet insurance rates often increase as pets age or if you file claims. Compare rates from other providers each year at renewal time to ensure your current plan remains competitive.
Best Pet Insurance in Maryland: Bottom Line
Lemonade is our top pick for pet insurance in Maryland for dogs and cats. For cost-conscious pet owners, Lemonade offers the most affordable dog coverage, while Pumpkin provides the best rates for cat insurance. Compare multiple insurance plans to find the right balance of cost and protection for your pet's specific needs.
Pet Insurance in Maryland: FAQ
Here are answers to frequently asked questions about Maryland pet insurance:
What are the best pet insurance companies in Maryland?
Based on our analysis, Lemonade, Pumpkin, AKC and Pets Best rank as the leading pet insurance providers in Maryland, offering comprehensive coverage for your furry family members.
Which company has the cheapest pet insurance in Maryland?
Lemonade and Pumpkin offer the most competitive pet insurance rates in Maryland. Monthly premiums start at $51 for dogs and $21 for cats.
How much is pet insurance in Maryland?
In Maryland, pet insurance costs around $550 annually for cats and $1,062 for dogs. Annual premiums across the state can range from $67 to $13,089, depending on coverage 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 Maryland
We researched all 20 major pet insurance providers in the United States, compared their policies and gathered quotes for Maryland 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 16, 2025.