Pet Insurance
A policy from the best pet insurance company in Vermont can save you thousands of dollars in case of an emergency. Having pet insurance ensures you can afford veterinary care for your dog or cat when they need it. With some insurers even covering preventative care, pet insurance is an affordable way to keep your pets in optimal health.
MoneyGeek gathered pet insurance quotes in Vermont’s leading cities, including Burlington, Rutland and South Burlington, among others. We studied the cost of pet insurance in Vermont to help you shop for a policy that meets your budget and your pet’s needs.
The Best Pet Insurance Companies in Vermont
As a pet parent, you may be overwhelmed by the number of pet insurance companies in Vermont. While you only want the best for your furry loved one, affordability is also an important factor when deciding on a policy.
To help you understand your options, MoneyGeek studied various providers and identified the best pet insurance companies in Vermont. We collected thousands of quotes and coverage details to analyze an insurer’s overall value proposition. We picked the top companies based on their affordability and product offering options.
Best Overall Pet Insurance in Vermont for Your Pet
pros
Offers flexible coverage and deductible options.
Covers dental including periodontal disease.
Offers unlimited maximum coverage option.
cons
Does not cover herbal, holistic or experimental therapies and medications.
COMPANY HIGHLIGHTS
Pets Best is MoneyGeek’s pick as the best pet insurance company in Vermont overall. It covers accidents, illnesses and routine care for your dog or cat for an average rate of $19.03 per month. You can choose a maximum coverage of $5,000 or unlimited, and you can select deductible options from $50 to $1,000.
Pets Best also offers coverage for laboratory tests, MRI, CAT and x-ray tests. Depending on your package, they will also pay for your pet’s dental care and covered prescription medication. Deworming, heartworm prevention, anti-rabies vaccine and prevention for fleas and ticks can all be covered by a Pets Best policy.
There’s a three-day waiting period with Pets Best for accidents and 14 days for illnesses. That’s from the time your insurance goes into effect to the time you can claim reimbursement under that policy. With their direct-to-vet payment option, you can avoid paying out of pocket and their 24/7 helpline can assist you during emergencies.
Best Pet Insurance Company in Vermont: Unlimited Coverage
pros
Covers chronic conditions.
Covers most veterinary care needs in case of an emergency or illness.
Offers flexible coverage and deductible options.
cons
Does not cover bilateral conditions.
COMPANY HIGHLIGHTS
If you’re looking for unlimited coverage, MoneyGeek recommends Pets Best among pet insurance companies in Vermont. From their broad range of options, they offer an unlimited yearly reimbursement limit.
Having limitless coverage can be handy should anything serious happen to your dog or cat. However, such policies are typically more expensive. On average, a Pets Best policy with unlimited coverage costs $24.08 per month.
Like most other insurance companies, Pets Best does not cover pre-existing conditions. However, they do cover chronic conditions, which means you can renew your pet’s policy even after they’ve been diagnosed with something that requires ongoing treatment. With additional coverage, they also cover tests, vaccines, preventative and dental care.
On the downside, Pets Best does not cover bilateral conditions nor does it cover herbal, holistic, and experimental therapies and medications.
Best Pet Insurance Company in Vermont: Affordable Coverage
pros
Flexibility on coverage, deductible and reimbursement options.
Offers the cheapest rates among Vermont’s pet insurance companies.
Offers discounts for multipet enrollment, pet adopters and shelter staff.
cons
Six-month waiting period for orthopedic coverage.
COMPANY HIGHLIGHTS
MoneyGeek’s pick for affordable coverage in Vermont is Pets Best. On average, a policy from this insurer with low coverage costs $13.98 per month.
Pets Best allows you to adjust your maximum coverage, deductible and reimbursement options. Likewise, you can choose from their various plans for one that fits your needs and budget.
You can gain a 5% discount by insuring more than one pet under Pets Best. If you’re a pet adopter or a pet shelter staff, you’re also entitled to a 5% discount.
You need to wait six months after the policy goes into effect before you can claim expenses regarding cruciate ligament events and related conditions. Keep that in mind if your pet is prone to orthopedic conditions.
Best Pet Insurance Company in Vermont: Multiple Pets
pros
Offers a 5% multiple pet discount.
Offers coverage for chronic and ongoing conditions.
Has a three-day waiting period for accidents, which is relatively quick.
cons
Does not cover bilateral conditions.
COMPANY HIGHLIGHTS
Pets Best is also our top pick for insuring multiple pets. They offer a 5% discount if you enroll more than one pet on their BestBenefit plans. You can get pet insurance coverage for all your furry loved ones for an average rate of $17.13 per month each.
While coverage may change depending on the package you choose, a Pets Best policy typically covers diagnostic tests, accidents, illnesses, cancer treatments, hereditary conditions, dental and chronic conditions. You can get full coverage even if your pet has not been spayed or neutered.
Like most pet insurance companies in Vermont, Pets Best doesn’t cover any illness or injury that occurred before your policy goes into effect. They also don’t cover elective and preventive procedures. Likewise, non-veterinary expenses, vitamins and supplements are excluded from their coverage.
Despite that, Pets Best has a wide range of flexible offers for owners looking to insure multiple pets.
Best Pet Insurance Company in Vermont: Cats
pros
Offers 100% reimbursement option.
Offers access to a live vet, customer support and claims filing assistant 24/7 through their app.
Two-day waiting period for accidents.
cons
Pet wellness and veterinary exam fees are optional add-ons.
COMPANY HIGHLIGHTS
In Vermont, Figo is MoneyGeek’s pick if you’re looking to buy pet insurance for your cat. They offer coverage options including $5,000, $10,000 to unlimited, and their deductibles range from $100 to $750. They also offer a 100% reimbursement rate, which is rare.
You can insure your cat through Figo for an average rate of $17.84 per month. A Figo policy usually covers hospitalizations, surgeries, hereditary and congenital conditions, hip dysplasia, chronic conditions, cancer treatments, and more. However, they don’t cover preventative care and vaccines.
Through their app, you gain access to a live veterinarian 24/7, which is handy in case of an emergency. You can contact their customer support through text, call and email. Filing a claim can be done through the app, and they process claims within two to 10 business days.
Figo’s waiting period is 14 days for illnesses and one day for injuries.
Best Pets Insurance in Vermont Ranking Summary
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- RankingWinnerAvg. Monthly Cost
- OverallPets Best$19
- Unlimited CoveragePets Best$24
- Affordable CoveragePets Best$14
- Multiple PetsPets Best$17
- CatsFigo$18
What Is the Average Cost of Pet Insurance Cost for Dogs and Cats in Vermont?
In Vermont, pet insurance costs can differ depending on your location, preferred coverage and your pet’s age and breed. On average, pet insurance for a dog costs $26.25 to $50.17 per month, while the average cost of insuring a cat is $14.54 to $32.99 per month.
MoneyGeek’s research found that the average monthly cost of insuring a dog in Vermont is $26.25 per month for a $5,000 coverage limit, $50.17 for a $10,000 coverage limit and $48.64 for unlimited coverage. Meanwhile, the average monthly cost of insuring a cat is $14.54 per month for a $5,000 coverage limit, $24.80 for a $10,000 coverage limit and $32.99 for unlimited coverage.
Since insurance companies have different ways of determining rates, comparing quotes from various providers before deciding on a policy makes sense.
Average Monthly Cost of Pet Insurance in Vermont
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- Pet Insurance Policy$5k Coverage$10k CoverageUnlimited
- Average Cost for a Dog$26$50$49
- Average Cost for a Cat$15$25$33
HOW MUCH PET INSURANCE DO YOU NEED IN VERMONT?
In Vermont, MoneyGeek recommends a $5,000 to $15,000 coverage limit and an 80% reimbursement rate for most pet owners. This range is optimal since you won’t unnecessarily pay for an expensive insurance policy, but you’ll have enough coverage to afford veterinary care expenses during an emergency or illness.
Compare the Cheapest Pet Insurance Quotes in Vermont
MoneyGeek analyzed an insurance policy’s typical components to help you understand the options offered by most pet insurance companies in Vermont. These include:
- Annual reimbursement limits: typically range from $3,000 to unlimited
- Deductible: $250 to $500, but some companies have higher or lower options
- Bill reimbursement percentage: 70-90%
Some pet owners prefer policies with less coverage and cheaper premiums to better manage their monthly expenses. Others look for more affordable premiums because they don’t want to pay for increased coverage that they may not need.
There are pet owners who want policies with high coverage limits to ensure maximum protection for their pet in case of an emergency. Policies with higher or unlimited coverage are usually more expensive, but such coverage may be unnecessary for the average pet owner.
To keep your pet insurance rates affordable, consider looking for a plan with a low annual maximum, high deductible and low reimbursement percentage.
Cheapest Pet Insurance in Vermont by Coverage Level
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- Maximum Policy CoverageWinner: Cheapest PolicyAvg Cost
- $5,000Pets Best$14
- $10,000Figo$35
- UnlimitedPets Best$24
The tables below demonstrate how changing your annual maximum, reimbursement percentage or deductible can affect the price of your pet insurance policy.
Cheapest Low Coverage: $5k Annual Maximum / 80% / $500 Deductible
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- Pet Insurance CompanyLow Coverage Monthly Cost
- Pets Best$14
- Figo$23
- Spot$25
Cheapest Average Coverage: $10k Annual Maximum / 80% / $250 Deductible
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- Pet Insurance CompanyAverage Coverage Monthly Cost
- Figo$35
- GEICO$47
- Embrace$47
Cheapest Unlimited Coverage: Unlimited Maximum / 90% / $250 Deductible
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- Pet Insurance CompanyUnlimited Coverage Monthly Cost
- Pets Best$24
- Trupanion$37
- Healthy Paws$43
The Best Cheap Pet Insurance by City in Vermont
The city you live in also affects your pet insurance rates, aside from your pet’s age and breed.
Cities in Vermont with higher costs of living generally have more expensive veterinary treatment, which translates to higher policy costs. Additionally, some areas have a higher incidence of accidents due to weather conditions, traffic and other hazards. The increased risks in such areas can also raise pet insurance premiums.
Buying a policy with a high coverage limit will drive your rates up, whether in an expensive or more affordable city.
Best Cheap Pet Insurance Companies by City
- CityCoverage Level and Average Monthly Rate
- Burlington$5k: Pets Best, $14
Unlimited: Pets Best, $24
$10k: Figo, $35 - Rutland$5k: Pets Best, $14
Unlimited: Pets Best, $24
$10k: Figo, $35 - South Burlington$5k: Pets Best, $14
Unlimited: Pets Best, $24
$10k: Figo, $35
MoneyGeek used city-based data in Vermont by gathering quotes for $10k coverage, 80% reimbursement, and $250 deductible for a 1-year-old Goldendoodle.
What Factors Impact Pet Insurance Cost in Vermont?
In Vermont, factors such as your pet’s breed and age, your coverage amount and your location affect the cost of pet insurance. Most insurers allow you to adjust coverage limits, deductible cost and reimbursement ratio to create a policy that fits your needs and budget.
Annual reimbursement limits
This is the yearly limit that the insurance company will pay towards your pet’s medical expenses. Policies with higher or unlimited coverage pay more but tend to be more expensive.
Deductible
This is the amount that you are required to pay before your insurance provider pays your claims: the lower your deductible, the more expensive your premium.
Bill reimbursement percentage
This is the amount that the insurance company will reimburse for your pet’s covered expenses. Policies with higher reimbursement percentages pay more but are also more expensive.
Breed
Dogs are more expensive to insure than cats. Within species, larger breeds and breeds with congenital health issues may also cost more.
Animal Age
Pet insurance rates are usually higher for older cats and dogs. As they grow older, pets develop more health issues.
Location
Where you live also affects your pet insurance rates. Cities and even areas with a higher cost of living or higher incidence of accidents tend to be more expensive.
Multi-pet discounts
Refers to the discounts you can get from some insurers if you insure more than one pet with them.
FAQ’s About Pet Insurance in Vermont
Research by the American Veterinary Medical Association indicates that 70.0% of households in Vermont own a pet. However, only a fraction has pet insurance. MoneyGeek recommends that you have your pet insured to ensure you can afford veterinary care in the event of an accident or illness.
Vet care is expensive. If your dog gets cancer, for example, the average cost for treatment is over $4,000. If your cat breaks a bone, you may be looking at over $2,200.
Pet insurance is a relatively affordable way to make sure you can get medical treatment for your pet if the worst happens.
Pets Best is the most affordable pet insurance provider in Vermont, with an average cost of $17.13 per month. However, several factors affect pet insurance rates, and the cheapest provider may be different for you.
In Vermont, a pet insurance policy with a $10,000 maximum coverage on average costs $50.17 per month for a dog and $24.80 per month for a cat. Your final rate may be different, however, as prices change depending on your preferred coverage and your pet’s profile.
The best pet insurance company can vary depending on your needs, budget and your pet’s profile. MoneyGeek’s top picks in Vermont are Pets Best and Figo.
MoneyGeek's Rating Methodology for Pet Insurance
At MoneyGeek, we believe that data helps people make better financial decisions. For pet insurance, our data team collected thousands of pet insurance quotes across the 13 largest providers to help you find the most affordable policy to meet your pet’s needs.
To determine the best pet insurance companies in Vermont, MoneyGeek built a detailed rating system that analyzes each company’s product offerings and costs. For our rating score, we weighted affordability by coverage level at 50% of the total score, and weighted our 24 qualitative research policy option data points at 50%.
To determine the cheapest pet insurance companies in Vermont and to determine our affordability scores for our best rankings, MoneyGeek gathered quotes by company across many zip codes in Vermont for four pet types with the following coverage levels:
- Low Coverage: $5,000 Coverage, $500 Deductible, 80% reimbursement
- Average Coverage: $10,000 Coverage, $250 Deductible, 80% reimbursement
- High Coverage: Unlimited Coverage, $250 Deductible, 90% reimbursement
About Mark Fitzpatrick
sources
- Care Credit. "Average Costs: Veterinary Care." Accessed November 30, 2021.
- AVMA. "AVMA Pet Ownership and Demographic Sourcebook." Accessed November 30, 2021.
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