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: November 10, 2025
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Key Takeaways
Lemonade is the best choice for pet insurance in Massachusetts, offering plans that start at $12 a month and a mix of great prices and reliable customer service.
For dog owners, Lemonade has the cheapest coverage at $67 per month, while Pumpkin offers the lowest cat rates at $28.
Compare many pet insurance plans to find one that fits your pet’s needs and your budget, balancing cost and coverage options.
Best Pet Insurance Companies in Massachusetts
Data filtered by:
Dog
Middle Aged
$5,000
80%
$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 Points
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 ranks highest for most dog breeds in Massachusetts, while Rainwalk and Lemonade are strong choices for certain breeds. Check the list below to see which companies offer the best options for your dog in the state.
Data filtered by:
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.
Data filtered by:
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:
Dog
Middle Aged
$5,000
80%
$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.
Data filtered by:
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.
Data filtered by:
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.
Data filtered by:
$5,000
$500
80%
| Cat | $59 | $704 | 29% |
| Dog | $116 | $1,394 | 29% |
How to Get the Best Cheap Pet Insurance in Massachusetts
Choosing affordable pet insurance in Massachusetts can feel overwhelming at first, but a few smart steps can make it easier:
- 1Know Your Pet’s Coverage Needs
List your pet’s health risks and care needs. Consider age and breed-specific conditions to choose the right level of coverage.
- 2Look for Insurance Discounts
Check for available savings, such as multi-pet plans if you have more than one animal. Some insurers also offer lower rates for paying annually or for pets with microchips.
- 3Review Company Reputation and Coverage
Read reviews and research each company’s claim history. Choose insurers known for good customer service and quick claims processing.
- 4Compare Multiple Quotes Online
Get quotes from at least three providers using the same coverage limits to compare prices fairly. Pay attention to waiting periods and any exclusions before deciding.
- 5Review Your Policy Each Year
Revisit your policy annually to see if your rates or coverage still fit your needs. As your pet gets older, switching to a new provider may help you save.
Best Pet Insurance in Massachusetts: Bottom Line
Lemonade is the top choice for pet insurance in Massachusetts, offering great options for both cats and dogs. It provides the most affordable rates for dogs, while Pumpkin offers the lowest prices for cat coverage. Take time to compare different providers and coverage plans to find one that fits your pet’s needs and your budget.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Trustpilot. "Lemonade Reviews." Accessed November 20, 2025.