Best Pet Insurance in Maine (ME)
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To help you narrow down the best pet insurance providers in Maine, we thoroughly vetted pet insurance providers, surveying customers, analyzing coverage options, and comparing quotes. We found that Spot offers the best pet insurance in Maine with it’s customizable coverage.
Pet insurance can help provide your pet with the healthcare it needs during an emergency and protect your wallet from expensive vet bills. From Brunswick to Bangor, pet owners in Maine have access to five excellent choices for affordable pet insurance companies.
- Read on to learn what rates and coverage you can expect from Maine’s top pet insurance companies, with sample quotes for 4-year-old dogs and cats in Augusta, Maine.
How Do ME Pet Insurance Companies Compare?
| Company | Logo | Star Rating | BBB Rating | Link |
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Who Are the Top 4 Pet Insurance Providers in Maine?
Healthy Paws
Best Coverage Limit
Fetch Pet Insurance
Best Holistic Coverage
Prudent Pet
Most Comprehensive Plan
How Much Does Pet Insurance Cost in Maine?
Based on our research, pet insurance and pet wellness plans in Maine typically costs between $11 and $119 per month for dogs and between $6 and $48 per month for cats. Your rates can vary depending on the following factors:
- Age: With every passing year, your pet’s risk of injury or illness increases, which results in heightened premiums. The earlier you purchase a pet health insurance plan, the better rates you’ll secure.
- Species: Because dogs are more susceptible to conditions like hip dysplasia, pet insurance for dogs can often be considerably more expensive than pet insurance for cats.
- Breed: Your pet’s breed can lead to higher rates. For example, boxers are at a higher risk of some types of cancer, such as lymphoma, brain tumors, and mast cell tumors.
- Location: Pet owners living in metropolitan areas often experience higher pet insurance rates because veterinary costs are typically more expensive in cities than in rural towns.
- Customization: The deductible, reimbursement rate, and coverage limit you select can drastically change your rates. For reference, our quote from Prudent Pet for a medium mixed-breed 4-year-old dog in Augusta, Maine, with a $10,000 annual limit, 70% reimbursement rate, and $1,000 annual deductible is $22.90 per month. The sample rate for the same dog with an unlimited annual benefit, 90% reimbursement rate, and $100 annual deductible is $120.29 per month.
- Discounts: You can lower your pet insurance premiums with discounts, which are offered by many pet providers. Pet insurance companies commonly offer multi-pet discounts, with some offering additional promotions. For instance, Fetch has discounts for shelter and rescue adopters, veterans and military members, service animal owners, and more.
Is Maine Pet Insurance Worth It?
Yes, in most cases, we’ve found that pet insurance is worth the cost in Maine. Overall, Spot is our top recommendation to pet parents in Maine for its affordable comprehensive coverage. However, Healthy Paws is a sensible pick if you’re looking for unlimited coverage with competitive rates. To choose the best pet insurance company, it’s important to consider your dog or cat’s individual coverage needs and compare quotes from a handful of providers in your state.
FAQs About Pet Insurance in Maine
What is the most reasonable pet insurance in Maine?
After comparing numerous pet insurance quotes, we found that Spot offers the most reasonable pet insurance rates in Maine, allowing you to tweak your deductible, coverage limits, and reimbursement level to lock in a low cost. The best way to save on pet insurance is to compare quotes from all of the top pet providers in your ZIP code.
Is medication covered by pet insurance?
Medication is typically covered by pet insurance if it is prescribed by a licensed veterinarian to treat a covered accident or illness. Most pet insurance companies do not approve claims for preventative medications like flea and tick treatment unless you have a wellness care add-on.
Is there a waiting period for pet insurance?
Every pet insurance company enforces a waiting period, which is a set amount of time from the date you purchase your policy until the coverage takes effect. Most pet insurance companies have a 14- or 15-day waiting period for accidents and illnesses, while some companies have a shorter two-day waiting period for accidents.
Is pet insurance worth it?
In our survey of 1,000 pet owners, 43% of participants stated they would have to pay for a vet emergency bill with a credit card or a personal loan. At the very least, a pet insurance policy grants you peace of mind. At the most, it could save you thousands of dollars and ensure your four-legged family member gets the vital care it needs in the event of an accident or illness.
Other Maine Home Service Resources
Our Rating Methodology
We are dedicated to thorough, in-depth reviews of each product or service that we detail in our content. Determined to build trust with our readers through transparency, accuracy, and accountability, we’ve built a detailed rating system to score pet insurance brands. Included in this methodology are the following six factors with their respective scoring weights:
- Coverage (25)
- Plan options (20)
- Monthly cost (20)
- Company reputation (15)
- Customer service (10)
- Species eligibility (10)
Our researchers keep all data in each company’s score up to date, making any changes to our content when necessary to provide our readers with the most accurate information on relevant metrics, such as plan options, customer service, reputation, and monthly cost.
To share feedback or ask a question about this article, send a note to our team at reviews@thisoldhousereviews.com.
