Pet Insurance in Massachusetts: Compare the Best Pet Insurance Companies and Most Affordable Quotes

COMPANY HIGHLIGHTS

In Massachusetts, the insurer that offers the best overall protection is Pets Best. This provider offers coverage at an average of $32.67 per month.

Pets Best policyholders can take advantage of several types of coverage to pay for prescription medications, chronic conditions, and acupuncture treatments. Pets Best also offers dental coverage for periodontal disease, traumatic dental fracture, deciduous teeth and unerupted teeth, as well as aging eye and ear problems.

The insurer also has multiple options that cover policyholders for $5,000 per year. Pets Best is also one of the few companies offering unlimited coverage. This company also provides multiple deductible and reimbursement options.

If you have more than one pet in your household, you can include them on the same policy and receive a multi-pet discount. Policies from the insurer also cover exam fees for lab tests, MRIs, CAT scans and X-rays.

COMPANY HIGHLIGHTS

MoneyGeek’s analysis determined that the best pet insurance company in Massachusetts with policies that offer unlimited coverage is Pets Best. The average cost of an unlimited coverage policy is $41.52 per month.

If you have a pet with chronic ailments, Pets Best is an ideal choice — its unlimited coverage policy will ensure that your animal friend gets all the medical care it deserves without you having to worry about out-of-pocket expenses.

The insurer also does not invoke any specific conditions such as having to spay or neuter your pet to make use of this coverage. Pets Best partially pays for these procedures. If you wish to insert a microchip into your pet, you can use Pets Best’s coverage to pay for the procedure.

Policyholders can choose from several reimbursement options. However, keep in mind that the higher your reimbursement rate, the more you will have to pay in insurance premiums.

COMPANY HIGHLIGHTS

Pets Best is MoneyGeek’s top pick when it comes to the best pet insurance with affordable coverage. It offers insurance at an average of $21.61 per month.

With its wide range of deductible options, policyholders can choose to pay as low as $50 per year as their deductible before the insurer starts paying for medical expenses for your pet. Pets Best also offers multiple reimbursement rate options.

If you have more than one pet, you can receive a multi-pet discount to reduce insurance costs. Pets Best offers coverage options that pay for several health conditions such as dental and chiropractic care, acupuncture, hydrotherapy, cold laser therapy and physical therapy.

Pets Best also pays for chronic conditions and prescription medications covered under its formulary list. However, it does not cover treatment for bilateral conditions and behavioral issues. The company states that if a pet has behavioral issues, it provides an exception for consultations and prescription medications.

COMPANY HIGHLIGHTS

Pets Best is also MoneyGeek’s preferred insurer for individuals with multiple pets. It offers multi-pet discounts with all of its policies, which cost $29.40 per month on average. Pets Best automatically includes a 5% discount when you add a second pet to a policy, irrespective of its breed.

The company’s coverage pays for surgeries and emergency care, along with exam fees for diagnostic tests such as X-rays, MRIs and CAT scans. Pets Best policyholders can pay their vet and become reimbursed for expenses or ask the insurer to make payments to the vet directly. Choosing the latter ensures minimal out-of-pocket expenses while ensuring complete care for your pets. With Pets Best policies, you can also cover any of your pet's hereditary conditions.

COMPANY HIGHLIGHTS

Figo is our top pick for cat owners in Massachusetts. Insurance for cats is usually less expensive than for dogs. The company’s policies for cats cost $22.65 per month on average.

Figo’s policies offer a wide range of coverages that include chronic conditions, treatment for hip dysplasia and eye or ear problems as a result of aging. Regarding coverage for chronic ailments, Figo covers such ailments for the entirety of your pet’s life, as long as it first shows signs of the ailment only after the waiting period is complete.

This provider does not cover pre-existing conditions or offer coverage for microchip implantation. Figo does, however, feature coverage for holistic and alternative treatments performed by licensed vets. The company offers coverage for accidents and illnesses. You may ask your insurer to pay your vet, emergency hospital or specialist in any part of the world, beyond those listed on their network.