Lemonade is the best pet insurance company for cats and dogs in Vermont, leading our analysis across all key metrics. Other strong options in the state include AKC, Pumpkin, Pets Best and Figo.
Best Pet Insurance in Vermont
The best pet insurance companies in Vermont are Lemonade, Pumpkin, Figo and AKC, with monthly rates starting at $5.
Ready to protect your furry friend? Let's find you the perfect plan.

Updated: September 8, 2025
Advertising & Editorial Disclosure
Key Takeaways
Lemonade offers the best pet insurance in Vermont, with monthly rates starting at $9. It combines competitive pricing with excellent customer service.
For Vermont pet owners, Lemonade provides the cheapest pet insurance for dogs at $48 per month, while Pumpkin has the lowest premiums for cats at $20.
Compare multiple insurance providers and coverage options to find the right balance of cost and protection for your pet's specific needs.
Best Pet Insurance Companies in Vermont
Lemonade | 4.50 | $48 |
AKC | 4.35 | $60 |
Pets Best | 4.10 | $58 |
Rainwalk | 3.95 | $67 |
Pumpkin | 3.75 | $58 |
Figo | 3.75 | $59 |

Lemonade
Best Overall
Average Monthly Rate for Dogs
$48Average Monthly Rate for Cats
$23Overall 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 Vermont, while Lemonade and Pets Best excel for select breeds. Below, you can review which companies are best for your dog in the state.
Pets Best | 4.35 | $26 |
AKC | 4.3 | $53 |
Rainwalk | 4.25 | $47 |
Lemonade | 4.25 | $29 |
Spot | 3.9 | $49 |
Fetch | 3.9 | $44 |
Best Pet Insurance by Cat Breed
Our research shows AKC dominates the best pet insurance rankings for most cat breeds in Vermont, while Rainwalk stands out as an alternative option for select breeds. Below, you can review which companies are best for your cat in the state.
AKC | 4.5 | $38 |
Rainwalk | 4.45 | $34 |
Lemonade | 4.35 | $23 |
Pets Best | 4.3 | $30 |
Spot | 4.15 | $32 |
Cheapest Pet Insurance in Vermont
In Vermont, Lemonade offers the cheapest pet insurance for dogs at $48 per month or $577 per year. For cats, Pumpkin provides the most affordable coverage at $20 monthly or $241 annually.
Lemonade | $48 | $577 | -29% |
Pets Best | $58 | $701 | -14% |
Pumpkin | $58 | $702 | -14% |
ASPCA | $58 | $703 | -14% |
Figo | $59 | $706 | -13% |
AKC | $60 | $718 | -12% |
Met Life | $64 | $767 | -6% |
Hartville | $66 | $789 | -3% |
Rainwalk | $67 | $806 | -1% |
Liberty Mutual | $69 | $830 | 2% |
Spot | $70 | $837 | 3% |
Embrace | $82 | $984 | 21% |
Fetch | $98 | $1,175 | 44% |
Nationwide | $101 | $1,207 | 48% |
Cheapest Vermont Pet Insurance by Dog Breed
In Vermont, Lemonade, Pumpkin and Pets Best offer the most affordable pet insurance for dogs across multiple breeds, with plans starting at $16 monthly.
Pets Best | $26 | $313 | -50% |
Lemonade | $29 | $353 | -43% |
Pumpkin | $35 | $417 | -33% |
ASPCA | $41 | $494 | -20% |
Figo | $41 | $496 | -20% |
Cheapest Vermont Pet Insurance by Cat Breed
For Vermont cat owners, Pets Best (13 wins), Pumpkin (8 wins) and Lemonade (5 wins) offer the most affordable coverage across cat breeds. Rates start at $14 per month for standard plans.
Lemonade | $23 | $281 | -55% |
Figo | $25 | $302 | -51% |
Pets Best | $30 | $364 | -41% |
Hartville | $31 | $369 | -41% |
Pumpkin | $33 | $387 | -38% |
How Much Is Pet Insurance in Vermont?
Vermont pet insurance costs average $84 monthly for dogs and $43 for cats. Vermont residents pay 7% less than the national average for both dog and cat policies.
Cat | $43 | $510 | -7% |
Dog | $84 | $1,007 | -7% |
How to Get the Best Cheap Pet Insurance in Vermont
Finding the best cheap provider and coverage plan in Vermont can be difficult. Want to find great pet insurance? Here's how to nail this decision:
- 1
Evaluate Your Pet's Coverage Needs First
Start by listing your pet's specific health risks and potential future medical costs. Talk with your vet about common health issues for your pet's breed to determine necessary coverage levels.
- 2
Look for Available Insurance Discounts
Check if you qualify for savings through a multi-pet plan or annual payment options. Many Vermont insurers offer discounts for paying annually or bundling with other insurance products.
- 3
Check Insurance Company Track Records
Review customer feedback and claim payment histories of pet insurance providers serving Vermont. Focus on companies with strong financial ratings and positive customer reviews for claim handling.
- 4
Get Multiple Insurance Quotes
Get quotes from at least three pet insurance providers. Compare identical coverage levels, deductibles, coverage limits and exclusions.
- 5
Review Your Policy Annually
Set a yearly reminder to compare your current rates with other providers. Pet insurance costs often increase as pets age, so shopping around can lead to better rates.
Best Pet Insurance in Vermont: Bottom Line
Lemonade is our top pick for pet insurance in Vermont, offering top-rated coverage for both cats and dogs. For pet parents focused on affordability, Lemonade provides the most budget-friendly dog policies, while Pumpkin offers the lowest-cost cat coverage. While these providers stand out in our analysis, take time to compare different plans and coverage options to find what works best for your pet.
Pet Insurance in Vermont: FAQ
Here are answers to frequently asked questions about Vermont pet insurance:
What are the best pet insurance companies in Vermont?
Pet owners in Vermont have excellent insurance options. The top providers include Lemonade, AKC, Pumpkin, Figo and Pets Best.
Which company has the cheapest pet insurance in Vermont?
Pumpkin, Figo and Lemonade offer the most affordable pet insurance rates in Vermont. Monthly premiums start at $48 for dogs and $20 for cats.
How much is pet insurance in Vermont?
In Vermont, pet insurance costs $510 annually for cats and $1,007 for dogs. Annual premiums across the state can range from $63 to $12,428, depending on coverage options 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 ratings. Compare policy details, coverage limits, and deductibles from at least three companies. Get quotes directly from top-rated insurers to find the most cost-effective coverage for your pet.
How We Found the Best and Cheapest Pet Insurance in Vermont
We researched all 20 major pet insurance providers in the United States, compared their policies and gathered quotes for Vermont 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 18, 2025.