Massachusetts Pet Insurance (2026)
Average pet insurance rates, top-rated insurers, and state-specific pet health risks in Massachusetts. Rates shown for a mixed-breed pet, age 3, with accident and illness coverage.
Dog Monthly
$65
Mixed breed, 3yo
Cat Monthly
$42
Mixed breed, 3yo
Dog Annual
$780
Per year
State Rank
#5
1 = most expensive
Advertisement
Top Pet Insurers for Massachusetts
1
Get QuoteTrupanion
Unlimited coverage, direct vet payment
Dog/mo
$65
Cat/mo
$42
Annual Limit
Unlimited
Reimbursement
90%
2
Get QuoteNationwide Pet Insurance
Wellness add-on available
Dog/mo
$55
Cat/mo
$35
Annual Limit
$10,000
Reimbursement
70%–90%
3
Get QuoteHealthy Paws
Unlimited annual limit + fast claims
Dog/mo
$50
Cat/mo
$32
Annual Limit
Unlimited
Reimbursement
70%–90%
4
Get QuoteASPCA Pet Insurance
Comprehensive coverage
Dog/mo
$48
Cat/mo
$30
Annual Limit
$10,000
Reimbursement
70%–90%
5
Get QuoteLemonade Pet
Low-cost option, AI claims
Dog/mo
$35
Cat/mo
$22
Annual Limit
$100,000
Reimbursement
70%–80%
Advertisement
What to Know Before Buying in Massachusetts
- •Tick-borne disease coverage is critical
- •Massachusetts has strong consumer protection laws for pet insurance
- •Tufts Veterinary access is a significant benefit for MA pet owners
Massachusetts Pet Health Facts
Massachusetts has among the highest vet costs in the Northeast.
Lyme disease is highly prevalent — the tick season lasts April–November.
Massachusetts Animal Hospital and Tufts School of Veterinary Medicine provide exceptional specialist care.
Advertisement