Best Pet Insurance in Vermont


Key Takeaways
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Lemonade leads Vermont's pet insurance market with monthly rates from $9. The company pairs affordable premiums with strong customer service.

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Dog coverage in Vermont costs $48 per month through Lemonade, the most affordable option. Cat owners pay $20 monthly with Pumpkin, the lowest rate available.

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Get quotes from several insurers to match coverage with your budget and your pet's health requirements.

Best Pet Insurance Companies in Vermont

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.

Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
Lemonade4.50$48
AKC4.35$60
Pets Best4.10$58
Rainwalk3.95$67
Pumpkin3.75$58
Figo3.75$59
Company Image
Lemonade

Best Overall

MoneyGeek Rating
4.5/ 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Points
  • Average Monthly Rate for Dogs

    $48
  • Average Monthly Rate for Cats

    $23
  • Overall Reddit Sentiment

    72% positive
  • Maximum Annual Limit

    $100,000

Best Pet Insurance by Dog Breed

AKC provides the best coverage for most Vermont dog breeds. Lemonade and Pets Best work well for select breeds. Review which companies match your dog's needs:

Data filtered by:
Affenpinscher
Pets Best4.34$26
AKC4.3$53
Rainwalk4.25$47
Lemonade4.25$29
Spot3.9$49
Fetch3.9$44

Best Pet Insurance by Cat Breed

AKC ranks first for pet insurance across most cat breeds in Vermont, while Rainwalk offers strong coverage for select breeds. Review which companies fit your cat below.

Data filtered by:
Abyssinian
AKC4.5$38
Rainwalk4.45$34
Lemonade4.34$23
Pets Best4.3$30
Spot4.15$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.

Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
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$8302%
Spot$70$8373%
Embrace$82$98421%
Fetch$98$1,17544%
Nationwide$101$1,20748%

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.

Data filtered by:
Affenpinscher
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.

Data filtered by:
Abyssinian
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.

Data filtered by:
$5,000
$500
80%
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. Follow these steps to find the right pet insurance for you.

  1. 1
    Evaluate Your Pet's Coverage Needs First

    List current health concerns and likely medical expenses over time. A conversation with your vet about breed-specific conditions helps set realistic coverage limits.

  2. 2
    Look for Available Insurance Discounts

    Check whether you qualify for multi-pet savings or reduced rates for annual payments. Many Vermont insurers lower premiums when you pay yearly or bundle policies.

  3. 3
    Check Insurance Company Track Records

    Review customer feedback and claims payment history for insurers operating in Vermont. Focus on companies with solid financial ratings and consistent claim handling reviews.

  4. 4
    Get Multiple Insurance Quotes

    Request quotes from at least three pet insurance providers. Compare the same coverage limits, deductibles, reimbursement levels and exclusions to avoid misleading price differences.

  5. 5
    Review Your Policy Annually

    Compare your current rate with other options once a year. Pet insurance costs often rise as pets age, so regular comparisons help keep coverage aligned with your budget.

Best Pet Insurance in Vermont: Bottom Line

Vermont's top pet insurance pick for cats and dogs goes to Lemonade. The most budget-friendly dog policies come from Lemonade, while Pumpkin delivers lowest-cost cat coverage. These providers stand out, but compare different plans and coverage options to match your pet's needs.

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?

Which company has the cheapest pet insurance in Vermont?

How much is pet insurance in Vermont?

What is the best way to find the right pet insurance provider?

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 headshot

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.


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