Vermont Pet Insurance (2026)
Average pet insurance rates, top-rated insurers, and state-specific pet health risks in Vermont. Rates shown for a mixed-breed pet, age 3, with accident and illness coverage.
Dog Monthly
$59
Mixed breed, 3yo
Cat Monthly
$37
Mixed breed, 3yo
Dog Annual
$708
Per year
State Rank
#13
1 = most expensive
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Top Pet Insurers for Vermont
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%
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What to Know Before Buying in Vermont
- •Tick-borne disease coverage is critical in Vermont
- •Specialist access requires travel to larger centers
- •Cold weather and outdoor injury coverage are important
Vermont Pet Health Facts
Vermont has high Lyme disease exposure — among New England's highest rates.
Vet costs are moderate but specialist access often requires travel to Burlington or Boston.
Black bear encounters, while rare, do occur for rural Vermont dogs.
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