Lemonade is the best pet insurance company for cats and dogs in Massachusetts. Other strong insurance options in the state include Spot, AKC, Pumpkin and Rainwalk.
Best Pet Insurance in Massachusetts
Updated: September 11, 2025
Advertising & Editorial Disclosure
Key Takeaways
Lemonade offers the best pet insurance in Massachusetts, with plans starting at $12 per month. It combines competitive pricing with excellent customer service.
For Massachusetts pet owners, Lemonade provides the cheapest pet insurance for dogs at $67 per month, while Pumpkin has the lowest cat rates at $28.
Compare multiple pet insurance policies to find coverage that matches your pet's needs and your budget while considering both price and coverage options.
Best Pet Insurance Companies in Massachusetts
Data filtered by:Results filtered by:
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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 | $67 |
| AKC | 4.15 | $89 |
| Rainwalk | 4.15 | $85 |
| Pets Best | 4.05 | $80 |
| ASPCA | 3.95 | $71 |
| Spot | 3.85 | $85 |
Lemonade
Best Overall
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate for Dogs
$67Average Monthly Rate for Cats
$32Overall 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 Massachusetts, while Rainwalk and Lemonade 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 | $58 |
| Pets Best | 4.35 | $36 |
| Lemonade | 4.25 | $41 |
| AKC | 4.25 | $76 |
| Spot | 4 | $60 |
Best Pet Insurance by Cat Breed
Rainwalk dominates the best pet insurance rankings for most cat breeds in Massachusetts, while AKC stands out as a strong alternative option. Below, you can review which companies are best for your cat in the state.
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Breed:Abyssinian
| Rainwalk | 4.5 | $43 |
| AKC | 4.45 | $57 |
| Lemonade | 4.35 | $32 |
| Pets Best | 4.3 | $42 |
| Spot | 4.2 | $39 |
Cheapest Pet Insurance in Massachusetts
In Massachusetts, Lemonade offers the cheapest pet insurance for dogs at $67 per month or $798 per year. For cats, Pumpkin provides the most affordable coverage at $28 monthly or $333 annually.
Data filtered by:Results filtered by:
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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 | $67 | $798 | -27% |
| ASPCA | $71 | $852 | -22% |
| Hartville | $80 | $963 | -11% |
| Pets Best | $80 | $971 | -11% |
| Pumpkin | $81 | $972 | -11% |
| Figo | $84 | $1,014 | -7% |
| Spot | $85 | $1,022 | -6% |
| Rainwalk | $85 | $1,026 | -6% |
| Met Life | $86 | $1,032 | -5% |
| AKC | $89 | $1,070 | -2% |
| Liberty Mutual | $93 | $1,111 | 2% |
| Embrace | $115 | $1,374 | 26% |
| Nationwide | $129 | $1,551 | 43% |
| Fetch | $136 | $1,627 | 50% |
Cheapest Massachusetts Pet Insurance by Dog Breed
In Massachusetts, Lemonade, Pumpkin and Pets Best offer the most affordable dog insurance across multiple breeds, with plans starting at $21 monthly.
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Breed:Affenpinscher
| Pets Best | $36 | $433 | -48% |
| Lemonade | $41 | $489 | -41% |
| Pumpkin | $48 | $577 | -30% |
| ASPCA | $50 | $599 | -28% |
| Hartville | $57 | $681 | -18% |
Cheapest Massachusetts Pet Insurance by Cat Breed
In Massachusetts, Pets Best (13 wins), Lemonade (8 wins) and Pumpkin (8 wins) offer the most affordable cat insurance across breeds. Monthly premiums start at $19 for standard coverage.
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Breed:Abyssinian
| Lemonade | $32 | $390 | -53% |
| Figo | $36 | $433 | -48% |
| Hartville | $37 | $442 | -47% |
| Spot | $39 | $465 | -44% |
| Pets Best | $42 | $503 | -39% |
How Much Is Pet Insurance in Massachusetts?
Massachusetts pet insurance costs an average of $116 monthly for dogs and $59 for cats. Massachusetts pet owners pay 29% more than the national average for dog and cat coverage.
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Annual Limit:$5,000
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Deductible:$500
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Reimbursement %:80%
| Cat | $59 | $704 | 29% |
| Dog | $116 | $1,394 | 29% |
How to Get the Best Cheap Pet Insurance in Massachusetts
Finding the best cheap provider and coverage plan in Massachusetts can be difficult. Here's how to find the best pet insurance for your needs:
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Know Your Pet's Coverage Needs First
List your pet's health risks and the types of care it might need. Consider breed-specific conditions and your pet's age to determine the right coverage level.
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Look for Available Insurance Discounts
Research different savings opportunities, including a multi-pet plan if you have multiple animals. Many insurers offer discounts for paying annually or for pets with microchips.
- 3
Check Company Reviews and Coverage
Read customer reviews and check each company's claim payment history. Focus on insurers with strong reputations for customer service and prompt claim processing.
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Get Multiple Insurance Quotes Online
Compare at least three different insurance providers using the same coverage levels for accurate price comparison. Make sure to note any waiting periods or coverage exclusions while comparing.
- 5
Review Your Policy Annually
Set a yearly reminder to check your policy rates and coverage. As your pet ages and rates change, switching providers might save you money.
Best Pet Insurance in Massachusetts: Bottom Line
Lemonade is our top pick for pet insurance in Massachusetts for cats and dogs. For affordability, Lemonade offers the best rates for dogs, while Pumpkin leads with the lowest cat insurance premiums. Compare multiple providers and coverage options to find the right fit for your pet's needs.
Pet Insurance in Massachusetts: FAQ
Here are answers to frequently asked questions about Massachusetts pet insurance:
What are the best pet insurance companies in Massachusetts?
Based on comprehensive analysis, leading pet insurance providers in Massachusetts include Lemonade, Spot, Pumpkin, AKC and Rainwalk. These companies offer reliable coverage options for pet owners across the state.
Which company has the cheapest pet insurance in Massachusetts?
Pumpkin, Hartville, Lemonade and ASPCA provide some of the most affordable pet insurance rates in Massachusetts. Monthly premiums start at $67 for dogs and $28 for cats.
How much is pet insurance in Massachusetts?
In Massachusetts, pet insurance costs an average of $704 annually for cats and $1,394 for dogs. Annual premiums across all pet types can range from $87 to $17,211, 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 Massachusetts
We researched all 20 major pet insurance providers in the United States, compared their policies and gathered quotes for Massachusetts 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.