Best Pet Insurance Companies in Maryland (MD)
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No matter where you live in Maryland, a well-priced pet health insurance policy can keep your pet safe and help you afford any necessary treatments that may come up after an unexpected accident or illness.
We researched the best pet insurance companies in Maryland and spent hundreds of hours surveying pet owners, reading customer reviews, and comparing how the top players stack up on their plan offerings, customer service, pricing, and more. Through our research, we’ve found that the best pet insurance provider in Maryland is Lemonade for its flexible plans and affordable pricing.
- From the thriving city of Baltimore to the edges of the nation’s capital, Maryland is an excellent place to live with your furry family member.
Compare Other Pet Companies
| Company | Star Rating | Monthly Cost for Dogs* | Monthly Cost for Cats* | Visit Site |
|---|---|---|---|---|
| $33.69 | $13.32 | VISIT SITE | ||
| $38.44 | $21.53 | VISIT SITE | ||
| $20.76 | $18.47 | VISIT SITE | ||
| $65.15 | $53.43 | VISIT SITE | ||
| $44.83 | $24.68 | VISIT SITE | ||
| $49.85 | $26.55 | VISIT SITE | ||
| $44.79 | $16.36 | VISIT SITE |
Maryland’s Top 7 Pet Insurance Providers
Lemonade
Best Overall
Spot
Most Customizable Plans
ASPCA
Best for New Pet Owners
Embrace
Best Deductibles
Healthy Paws
Best Coverage Limit
Fetch Pet Insurance
Best Holistic Coverage
Figo
Best Extra Coverage Add-On
How Much Does Pet Insurance Cost in Maryland?
There are various factors that go into your quoted monthly rates from each pet insurance company in Maryland, such as your pet’s specific details and your location within the state. Based on the dozens of sample quotes we received, we found that you can typically expect to pay between $15 and $100 per month for a standard policy. Here are more details about significant factors that can impact your premium:
- Species: Pet insurance for dogs and pet insurance for cats comes with different baseline prices. Cats are usually cheaper to insure than dogs, since they’re less likely to have an expensive health condition, such as hip dysplasia.
- Breed: Different breeds of dogs and cats have unique health patterns that can impact how much you have to pay for pet insurance. While many mixed dogs are known to have minimal health problems, canines such as Great Danes and Golden Retrievers commonly have issues with cruciate ligament ruptures, which require expensive vet visits. This means you’ll pay more for a policy to insure those dogs than other healthier breed.
- Age: If you’re looking to purchase a pet insurance policy for an older pet, you may be surprised by the higher prices. Insurers charge more as your pet ages, since it’s more likely to need treatments later in life. Signing up for a pet insurance policy as early as possible in your dog or cat’s life can help keep rates lower.
- Customization: If you’re looking for the cheapest pet insurance policy in Maryland, you can lower your annual coverage limit, annual deductible, and reimbursement rate options. For example, while our quote from Embrace on a mixed-breed dog’s policy costs $78.17 per month with a $30,000 annual coverage limit, $200 deductible, and 90% reimbursement rate, it costs only $20.12 per month with a $5,000 annual limit, $1,000 deductible, and 70% reimbursement rate.
Is Pet Insurance in Maryland Worth it?
Yes, in most cases, we’ve found that pet insurance is worth it in Maryland due to the added security and peace of mind. The right pet insurance for you and your pet can vary depending on your preferences and specific needs. Although we recommend Lemonade to Maryland residents as the best overall provider for its affordability and coverage options, other companies may be a better fit for you. For instance, if you want unlimited coverage, we recommend Healthy Paws, but ASPCA or Spot may make the most sense if you want a budget-friendly accident-only plan.
FAQs About Pet Insurance in Maryland
Is pet insurance in Maryland worth it?
We surveyed 1,000 pet owners to learn more about the pain points of owning a pet, and roughly 40% of respondents said they’d need to use a credit card to pay for emergency vet bills, while 9% said they didn’t know how they’d make a payment. If you’re anything like these pet owners and want to avoid unnecessary credit card expenses, you could benefit from a pet insurance policy to help keep both your pet and your wallet protected during unexpected accidents or injuries.
Do all vets take pet insurance?
Yes, you can take your pet to any licensed vet in the U.S. and receive reimbursement for your bills from your pet insurance provider, as long as the treatment qualifies for coverage.
What is a reimbursement rate?
During a pet insurance claim, you’ll be expected to make a copay that’s equal to the leftover amount after your provider pays its determined reimbursement rate or percentage of the bill. For instance, if you select a 70% reimbursement rate for your policy, you’ll be expected to pay the remaining 30% out of pocket during each claim.
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 Reviews team at reviews@thisoldhousereviews.com.
