Best Pet Insurance In Massachusetts

Pros

• Brief 3-day accident plan waiting period
• Numerous deductible options
• Multiple reimbursement amounts
• 24/7 pet telehealth line
• Routine wellness plans available
• Multi-pet discounts available for 5% per pet
• Direct vet payments are available when your vet signs a reimbursement release

Cons

• 6-month waiting period for cruciate ligament complications

With direct vet payments, high reimbursement options, and numerous deductible levels, Pets Best is a good option for budget-conscious pet parents. It also offers flexible coverage packages, short waiting periods for accidents, and a 24/7 telehealth line.

Coverages

• BestBenefit accident and illness
• Accident only
• Routine care

Claims process

• Online through the Pets Best website or mobile app or through fax, email, or standard mail

Coverage details

• The BestBenefit Accident and Illness plan offers the most comprehensive coverage, extending to various related expenses, including foreign object ingestions, broken bones, arthritis, prescription medications, dental care, and end-of-life expenses.
• The accident-only plan restricts the coverage scope to emergency treatments for accidents, such as foreign ingestion, broken bones, and snake bites.
• The routine care plan comes in two levels, EssentialWellness and BestWellness, each with different levels of coverage.
• Both routine care plans cover similar inclusions, such as routine vaccinations and dental cleaning.

Pros

• Quick turnaround times for claim approvals with AI-powered processes
• Wellness add-ons available
• Short 2-day waiting period for accident coverage
• Multiple maximum annual coverage cap options
• Live chat is available for pet health questions from 6 a.m. to 12 a.m. ET

Cons

• Coverage excludes prescription food, microchipping, or stem cell treatment
• Coverage excludes behavioral and alternative therapies
• Standard coverage excludes vet exam fees, available as an add-on

Lemonade offers some of the lowest monthly costs with solid coverage. Although it doesn’t have a 24/7 telehealth line, it offers a live chat seven days a week that covers all but six hours of the night.

Coverages

• Accident and illness
• Preventative care
• Optional add-ons

Claims process

• Online through the Lemonade app

Coverage details

• The accident and illness plan covers various expenses, including hospitalization, diagnostics, emergency care, lab work, procedures, and prescription medications.
• The preventative care plan covers everything from spaying or neutering to routine blood work.
• Inclusions in the preventative care plan vary based on your pet’s age, as puppy and kitten plans are different from adult plans.
• Add-ons, including coverage for end-of-life expenses, exam fees, and dental illnesses, offer a modicum of customizability.

Pros

• 24/7 pet telehealth line
• Includes vet exam fee coverage
• Wellness plans available as standalone coverage or add-on
• 5% discounts for multi-pet homes and current Nationwide customers
• Pet Rx Express program offers preferred pricing on pet prescriptions at Sam’s Club and Walmart

Cons

• One annual coverage limit and deductible option
• 12-month waiting period for meniscus or cruciate ligament injuries
• Coverage excludes end-of-life expenses

Between its impressive array of insurance policies and unlimited coverage caps, Nationwide is a worthwhile consideration. Its inclusion of a policy for avian and exotic pets makes it ideal for pet parents with feathered or scaled friends.

Coverages

• Whole Pet
• Major Medical
• Accident only
• Avian and Exotic Pet
• Wellness

Claims process

• Online via the Nationwide website or through fax, email, or standard mail

Coverage details

• The Whole Pet plan is the most comprehensive option, with coverage extending to standard care, procedures, hospitalizations, accidents, illnesses, holistic therapies, diagnostics, and hereditary conditions.
• The Major Medical package is a step down from the Whole Pet plan, featuring many of the same inclusions, save for a few exclusions like specific hereditary conditions and developmental disorders.
• The accident-only plan covers emergency care, such as broken bones and lacerations.
• The Avian and Exotic Pet plan is available for multiple unusual pets, including iguanas, chinchillas, geckos, hamsters, snakes, and potbellied pigs.
• The exotic plan offers comprehensive coverage, including examinations, medications, lab fees, accidents, and illnesses.
• The Wellness plan, available as a standalone or add-on, covers standard care such as microchipping, deworming, biannual exams, nail trims, physical exams, and behavioral exams and treatment.

Pros

• Multiple deductible, reimbursement, and annual coverage cap options
• Offers a diminishing deductible that drops your deductible by $50 for each year you don’t have a payout
• Wellness plans available
• 24/7 pet telehealth support
• Short 2-day waiting period for accidents
• Includes exam fees for illnesses and accidents

Cons

• 6-month waiting period for orthopedic conditions in dogs

Embrace offers notable perks in its policies and flexible coverage caps, reimbursement options, and deductibles that make it a great choice for those who want a more customized option. It covers nearly every accident and illness aside from pre-existing conditions, giving you the coverage you need.

Coverages

• Accident and illness
• Accident only
• Wellness Rewards

Claims process

• Online through the Embrace website or app or via email, fax, or standard mail

Coverage details

• The comprehensive accident and illness insurance policy covers accidents, illnesses, and conditions, including congenital conditions, dental illnesses, cancer treatment, chronic conditions, orthopedic conditions, emergency care, rehabilitation, hospitalization, surgery, and more.
• The accident-only plan covers various emergency issues, such as poisoning, lacerations, bloat, and foreign body ingestion.
• The accident and illness plan isn’t available for pets who are 15 years or older, so the accident-only plan is often the best fit.
• The Wellness Rewards plan extends to expenses that fall outside of unexpected or emergent vet visits, such as wellness exams, teeth cleaning, nutritional supplements, grooming, nail trims, training, and spay or neuter surgery.

Pros

• 24/7 pet telehealth line
• Wellness plans available
• Short 1-day waiting period on accident coverage
• The Figo Pet Cloud app helps owners find pet-friendly places and connect with other pet parents for fun activities, like doggy play dates
• 100% reimbursement rate available
• Upgrade available to cover specific circumstances, such as pet loss due to theft or straying and vacation cancellation due to a pet emergency

Cons

• Coverage excludes dental illnesses
• Prescription food is only eligible for coverage if it’s treating bladder stones or crystals
• Deductibles vary based on pet age; higher deductibles for older pets

Competitive prices, flexible reimbursement options, and short waiting periods make Figo worth a look. It even comes with an app that helps customers form social groups and set up fun activities, like doggy playdates.

Coverages

• Accident and illness
• Wellness coverage
• Optional add-ons

Claims process

• Online via Figo’s Pet Cloud app or by phone, email, or fax

Coverage details

• The accident and illness policy offers comprehensive coverage, including emergency care, illnesses, hereditary conditions, medications, diagnostics, procedures, rehabilitation, and more.
• The wellness add-on tacks on coverage for standard veterinary care, like vaccinations, bloodwork, and spaying or neutering.
• Pet parents may incorporate add-ons for better customizability, like coverage for boarding, pet theft or loss due to straying, and end-of-life expenses.