Lemonade
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Spot
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ASPCA Pet Health Insurance
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Healthy Paws
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Figo
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Fetch by The Dodo
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Embrace
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If you have a health insurance policy for yourself, you likely already understand the basics of how pet insurance works. The main difference with pet insurance is you typically pay out of pocket when visiting a licensed veterinarian, then file a claim with your pet insurance company. Once approved, the insurance company reimburses you based on the percentage amounts detailed in your plan. Most Boston pet insurance companies pay between 70% and 90% of the cost of covered treatments.
Standard pet insurance policies typically cover accidents, illnesses, hereditary/congenital conditions and behavioral issues. Most do not cover pre-existing conditions, cosmetic procedures, preventative care or breeding costs. Some companies offer preventative add-on coverage for an additional monthly fee. Typical coverage plans include:
Boston pet insurance companies have plans that start as low as $10 per month at the time of publishing, with plans averaging $35 per month. Here’s a breakdown of coverage pricing and options:
Company | Dog insurance (5-year-old Golden Retriever)* | Cat insurance (5-year-old American Shorthair)* |
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Lemonade |
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Spot |
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ASPCA |
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Healthy Paws |
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Figo |
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Fetch |
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Embrace |
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Rates vary based on several factors, including:
Most pet insurance companies offer coverage for accident only or accident and illness. Some offer add-on coverage for preventative care and a multi-pet discount.
How much is pet insurance in Massachusetts? Plans can start at $10 per month. Plan pricing varies, based on your specific pet and coverage needs.
Is a monthly pet plan worth it? With any insurance, there is a chance you’ll have it and not use it. But pet insurance can offer peace of mind that you’re covered in the event of a major illness or accident. Additionally, some plans offer reimbursement for routine wellness, which can give you money back for normal vet visits.
Does pet insurance kick in immediately? Most pet insurance companies will have a waiting period. This is a short time when policy coverage is restricted. Waiting periods can range from 14 days to 6 months, depending on the pet’s condition.
What factors affect pet insurance costs? The three main factors affecting pet insurance costs are the pet’s age, breed and your chosen deductible. Lower deductibles have a higher monthly premium and higher deductibles have lower monthly premiums.
Lemonade |
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Lemonade offers cat and dog pet insurance. Coverage is available for preventative care, accidents and illness. Vet visit fees, physical therapy, dental treatment and behavioral conditions can be added for additional fees. Plans start at $10 per month with deductibles ranging from $100 to $500. Reimbursement is 70% to 90%. Discounts are offered at 10% for bundling and 5% for multi-pet and annual payment. The coverage waiting period ranges from two days to six months, depending on the issue. You can make changes to your policy within the first 14 days or at the annual renewal time. |
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Spot |
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Spot pet insurance plans cover accidents only or accidents and illness. Preventative coverage can be added. Plans start at $12.25 per month for standard coverage with deductibles ranging from $100 to $1,000. Online quotes are given in minutes, with coverage offering 70% to 90% reimbursement. Spot plans do not cover pre-existing conditions, conditions occurring during the waiting period (14 days), breeding costs, cosmetic procedures, preventative care or daycare/boarding costs. Multi-pet discounts are offered. |
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ASPCA Pet Health Insurance |
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ASPCA offers pet insurance with up to 90% reimbursement. Plans start at $52.48 per month, with deductibles ranging from $100 to $500. ASPCA has an accident-only plan or Complete Coverage, which includes accidents, illness, behavioral issues, hereditary conditions and dental disease. Preventive coverage can be added on for $9.95 per month. There is a 30-day, money-back guarantee and a 10% discount for multiple pets covered. |
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Healthy Paws |
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Healthy Paws has one pet insurance plan, for accidents and illness. It covers cats or dogs, starting at $49.47 per month, with deductibles from $250 to $500. Reimbursement is offered up to 80%. There are no maximum limits on claims payouts, and no per-incident, annual or lifetime caps. Healthy Paws allows you to take your pet to any licensed vet for care. |
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Figo |
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Figo pet insurance covers common illness, accidents, emergencies, cancer, hereditary and congenital disorders and chronic conditions. Coverage includes curable pre-existing conditions if your pet has had no signs or symptoms within 12 months of the last treatment. Wellness and preventative care is an optional add-on. Other optional coverage is available for cremation/ burial, lost-pet advertising and vacation cancellation due to a pet emergency. It also offers 24/7 live access to licensed veterinary professionals. |
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Fetch by The Dodo |
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Fetch pet insurance plans average $35 per month for dogs and $25 per month for cats. It offers reimbursement for up to 90 percent. Coverage includes emergency visits, injuries and illness, diagnostic tests, behavioral therapy, cancer treatment and more. Deductibles are $250, $300 or $500. There is no enrollment fee, and you can cancel your coverage at any time. |
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Embrace |
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Embrace offers a comprehensive pet insurance plan with coverage for illness, accidents and injuries, dental accidents and illness, vet visit fees, tests, procedures, treatments and follow-up care. Pricing starts around $26.51 per month, with deductibles ranging from $200 to $1,000. Under an Embrace insurance policy, you can visit any licensed vet, with reimbursement up to 90%. A preventative plan can be added. |
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