Best pet insurance Companies In Cambridge, Massachusetts

Spot Pet Insurance is my top pick for the best pet insurance company in Cambridge.

min read
Updated: 31 January 2024
Written by
Doug Schaffer
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After spending 22 hours researching and analyzing quotes from 15 providers, our pet insurance experts concluded that Spot Pet Insurance offers the best overall coverage. Lemonade Pet Insurance also ranked high for being the most affordable option in Cambridge.

Both Spot and Lemonade Pet Insurance offer rates much lower than the average monthly cost of dog insurance in Cambridge, which is approximately $33.57.

In this guide, we’ll delve into how various types of pets, breeds, and ages influence the monthly premiums for pet owners in Cambridge. Let’s find the perfect coverage for your furry friend!

Best pet insurance companies in Cambridge, Massachusetts 2024

Best Overall Coverage - Spot Pet Insurance
Best for New Pet Owners - ASPCA Pet Health Insurance
Best for Cat Owners - FIGO Pet Insurance
pets best
Best for Owners with Multiple Pets - Pets Best Pet Health Insurance
Best Pet Insurance, Cambridge 2024

Comparison Of The Best Pet Insurance Companies In Cambridge, MA

Overall Rating Best For Coverage Waiting Period Average Annual Cost for Cats Average Annual Cost for Dogs Get A Quote

Affordable Coverage

2 Days for Accidents and 14 Days for Illnesses



Instant Quote

Owners of Young Pets

2 Days for Accidents and 14 Days for Illnesses



Instant Quote
Spot Pet Insurance

Overall Coverage

14 Days for Accidents and Illnesses



Instant Quote
FIGO Pet Insurance

Cat Owners

1 Day for Accidents and Illnesses



Instant Quote
ASPCA Pet Health Insurance

New Pet Owners

Immediately for Preventive Care and 14 Days for Illnesses and Accidents



Instant Quote
Pets Best Pet Health Insurance

Owners of Multiple Pets

3 Days for Accidents and 14 Days for Illnesses



Instant Quote
Scroll to see comparisons

Our methodology

To find the most affordable pet insurance rates in Cambridge, we conducted a thorough analysis of data from various pet insurance companies across Massachusetts. Our team of insurance experts, with a cumulative experience of twenty-five years, carefully evaluated each carrier. Here's a glimpse of the effort we put in: While the rates listed in this guide are accurate, it's essential to keep in mind that premiums can change daily and might vary based on your pet's age. So, stay informed and make the best decision for your furry companion!


Quotes Analyzed


Brands Reviewed


Years of Industry Experience


Hours of Research

Pet Insurance Company Reviews

Best Overall Coverage

Overall Rating

Key Statistics

8/10 Affordability
10/10 Customer Reviews
9/10 Payouts
10/10 Coverage Level

Why We Like Them

When it comes to pet insurance in Cambridge, Spot Pet Insurance is a top-notch choice, offering the most comprehensive coverage for pet owners. While their premiums are a bit higher than others, they more than make up for it with exceptional customer service and a wide range of coverage options.

For cat owners, the average monthly rate is around $17, while dog owners typically pay about $28 per month.

Another great benefit of choosing Spot is the flexibility to pick from various maximum annual limit options. Currently, they offer the following coverage limits for policyholders to choose from:

  • $2,500
  • $4,000
  • $5,000
  • $7,000
  • $10,000
  • $15,000
  • $20,000
  • Unlimited

Furthermore, Spot provides policyholders with a 24/7 pet telehealth helpline, offering expert advice on accidents and illnesses affecting their beloved pets.

Benefits & Drawbacks

  • Enjoy coverage for pets of all ages
  • Access a round-the-clock telehealth helpline for policyholders
  • File claims within a generous 270-day window
  • Younger pets might incur slightly higher premiums
  • Experience a longer waiting period compared to other prominent pet insurance brands

Best Affordable Coverage

Overall Rating

Key Statistics

9/10 Affordability
9/10 Customer Reviews
9/10 Payouts
8/10 Coverage Level

Why We Like Them

As pet owners, we know cost matters when shopping for pet insurance. And guess what? Lemonade Pet Insurance has got you covered! Among several companies in Cambridge, they consistently offer the most affordable rates, with cat owners paying just $14 a month and dog owners getting coverage for $26 monthly.

But hold on, there’s more! Lemonade doesn’t stop at low rates. They also offer a speedy claims process, multiple discount opportunities, and an easy-to-use mobile app for smooth policy management. It’s a win-win situation for pet owners looking for great coverage without breaking the bank!

Benefits & Drawbacks

  • Experience swift claims processing, often within minutes
  • Utilize the engaging mobile app for interactive management
  • Tailor coverage to your needs with customizable options
  • Enjoy pocket-friendly premium rates
  • Coverage spans only 38 states
  • Policy adjustments can solely be made during renewal
  • Older pets have restricted coverage options

Cheapest Rates for Owners of Young Pets

Overall Rating

Key Statistics

9/10 Affordability
9/10 Customer Reviews
9/10 Payouts
8/10 Coverage Level

Why We Like Them

Bringing home a new kitten or puppy is such an exciting time, full of cuddles, training, and treats. But amidst all the fun, don’t forget about their health! That’s where pet insurance comes in, especially for pet owners in Cambridge. And guess what? Lemonade Pet Insurance is the best choice for young pets!

Lemonade Pet Insurance stands out as the most affordable option for pet owners with kittens and puppies. They even offer discounts to make premiums even more pocket-friendly. Plus, their waiting period for accident coverage is super short, with benefits available in just two days.

To give you an idea, a cat insurance policy costs around $14 a month, while a dog insurance plan comes in at approximately $26. So, with Lemonade, you can take care of your furry friend’s health without breaking the bank!

Benefits & Drawbacks

  • Access budget-friendly coverage for adorable kittens and puppies
  • Conveniently file claims within seconds through the company's user-friendly mobile app
  • Enjoy quick accident coverage with a brief 2-day waiting period
  • Pet telehealth line operates within restricted hours
  • Veterinary exam fees receive coverage solely through an insurance add-on/rider
  • Policy adjustments are confined to the renewal process

Cheapest Rates for Owners of Young Pets

Overall Rating

Key Statistics

8/10 Affordability
9/10 Customer Reviews
7/10 Payouts
9/10 Coverage Level

Why We Like Them

Pets Best Pet Health Insurance may have a slower claims process compared to some rivals, but it more than makes up for it with great coverage options and excellent customer support. What’s cool is they can even insure pets as young as seven weeks old, and they’re super helpful with animals needing wheelchairs or prosthetic devices.

And here’s the best part: Pets Best has a dedicated customer service team that truly cares about each policyholder. They aim to build lasting relationships with pet owners like you. Plus, you get access to a 24/7 telehealth helpline with expert veterinarians who can diagnose and guide you through your pet’s illness or injury.

To top it all off, Pets Best offers competitive rates, with cat coverage at around $15 per month and dog insurance averaging $37. So, you can rest easy knowing your furry friend is in good hands with Pets Best Pet Health Insurance!

Benefits & Drawbacks

  • Avail coverage for wheelchairs and various prosthetic devices, prioritizing your pet's mobility and well-being
  • Access the convenience of Direct Vet payment for providers who accept this service
  • Enjoy cost savings with various discounts tailored for owners with multiple pets
  • Benefit from round-the-clock access to a pet telehealth helpline, ensuring timely support for your furry friend
  • Note that alternative therapies do not fall under coverage within any policies
  • Be prepared for a slower claims processing timeline compared to most competitors
  • Keep in mind that policy alterations are only possible during the renewal period

Cheapest Rates for New Pet Owners

Overall Rating

Key Statistics

8/10 Affordability
9/10 Customer Reviews
8/10 Payouts
8/10 Coverage Level

Why We Like Them

Hey, new pet owner! You’ve probably heard of ASPCA (American Society for the Prevention of Cruelty to Animals), right? Besides their dedication to preventing animal cruelty, they also offer pet insurance coverage for cats, dogs, and horses in some states.

Now, here’s the cool part: ASPCA provides a significant advantage to new pet owners by covering common hereditary or congenital conditions. Not many pet insurance companies offer this, but ASPCA’s got your back! If these issues arise after your pet is on an active policy, they’ll help cover the costs.

And that’s not all! ASPCA offers competitive rates, too. For cat owners, it’s around $16 per month, while dog owners pay approximately $39. It’s a win-win for you and your furry friend with ASPCA’s pet insurance!


Benefits & Drawbacks

  • Enjoy the convenience of a round-the-clock pet telehealth line for policyholders
  • Have peace of mind with coverage for veterinarian office visits related to illnesses and accidents
  • Enroll senior pets without any upper age limit, ensuring comprehensive protection
  • Access additional services like stem cell therapy and microchipping under the coverage
  • Navigate through a website that poses challenges in terms of user-friendliness
  • Experience claims processing that might extend up to 30 days
  • Choose from a limited array of deductible options for policies

Cheapest Rates for Cat Owners

Overall Rating

Key Statistics

9/10 Affordability
9/10 Customer Reviews
8/10 Payouts
7/10 Coverage Level

Why We Like Them

If you’re a cat owner in Cambridge, FIGO Pet Insurance is the way to go! They truly understand the pet community, with almost 90% of their staff being pet owners themselves. It’s a company driven by a deep love for animals.

But here’s the best part: FIGO is also one of the most affordable options for Cambridge cat owners, with monthly policies averaging around $13. Talk about a great deal!

On top of that, FIGO offers a fantastic free 24/7 vet telehealth service, so you can get expert advice whenever you need it. And guess what? Their one-day waiting period for accidents is one of the fastest in the industry, giving pet owners ultimate peace of mind.

Benefits & Drawbacks

  • Ensure comprehensive coverage for senior pets without encountering age enrollment restrictions
  • Access round-the-clock veterinary telehealth helpline services, promoting your pet's well-being
  • Benefit from rapid coverage for accidents, with just a one-day waiting period
  • Obtain coverage for exam fees exclusively through the acquisition of an insurance rider
  • Note the absence of an accident-only policy in the offerings
  • Be aware of the non-coverage for hereditary conditions if a pet is added to the policy after their 2nd birthday

Average cost of pet insurance in Cambridge, Massachusetts

In Cambridge, the cost of pet insurance depends on various factors. On average, cat owners can expect to pay around $16 for coverage, while dog owners usually pay around $33.

For more details on the criteria that influence monthly premiums, take a look at the following tables. They’ll give you extra insights to help you make the best decision for your furry friend!

Average Cost in Cambridge— By Cat Breed

Cat Breed Average Monthly Cost
Persian $17
Ragdoll $18
Maine Coon Cat $18
Exotic Shorthair $19

Average Cost in Cambridge — By Dog Breed

Dog Breed Average Monthly Cost
Golden Retriever $33
German Shepherd $33
Labrador Retriever $37
French Bulldog $54

Average Cost in Cambridge — Accidental-Only Coverage

Insurance Provider Average Monthly Cost for Accident-Only Coverage
Pets Best $21
Figo $29
Spot Pet Health Insurance $32
ASPCA Pet Health Insurance $31
Embrace Pet Insurance $37

Average Cost in Cambridge — Comprehensive Coverage

Insurance Provider Average Monthly Cost for Comprehensive Coverage
Spot Pet Insurance $94
ASPCA Pet Health Insurance $44
Pets Best $43
Healthy Paws $44
Figo $67

How to find the best pet insurance company for you

For many pet owners, buying pet insurance can be a new and challenging experience. But fear not! Getting a pet health insurance policy doesn’t have to be scary at all. In fact, there are simple ways to choose the best coverage for your furry friend.

To start, before you compare insurance quotes, figure out what type of coverage you want for your pet. There are typically two types: comprehensive and accident-only. Each has its perks, and different providers may offer various coverage options.

Once you decide on the coverage type, it’s time to consider your coverage limit and deductible. These can vary between companies, so finding a provider that matches your preferences is vital.

Finally, make a list of providers offering the deductible and coverage type you need, then ask for a quote and compare rates.

Largest pet insurance companies in the United States

Company Name Estimated Market Share Percentage
Trupanion 30%
Nationwide Mutual Insurance Company 19%
Embrace Pet Insurance 9%
Fetch by the Dodo 8%
Pets Best Insurance 2.4%
Hartville Group Inc. 1.4%
MetLife Pet Insurance 1.4%
Petsecure 1.3%
Healthy Paws Pet Insurance .73%
Pumpkin Pet Insurance .48%

How to buy pet insurance online in Massachusetts

Whether you’re insuring a new furry friend or getting insurance for your current pet, there are easy steps to ensure a smooth shopping experience.

Check out this step-by-step guide for the pet insurance purchasing process:

  • Step 1:Gather all the important info beforehand: pet type, breed, age, medical history, and any documentation about your pet’s lineage.
  • Step 2:Decide on the coverage amount and deductible you want for your pet.
  • Step 3:Compare at least three pet insurance quotes from different carriers.
  • Step 4:Purchase your policy and inform your vet about the new coverage.

Factors that impact cost of your pet insurance policy in Cambridge

Just like any other insurance, the cost of pet insurance depends on a few things. If you’re a pet owner in Cambridge, here are the main factors that affect how much you’ll pay each month:

  • Location
  • Age
  • Animal Type
  • Breed
  • Insurance Type

Let’s look at how each factor plays a role in determining coverage cost.

Different parts of Massachusetts might have varying rates, and even within Cambridge, zip codes can cause slight differences in monthly premiums. Insurance companies look at past claims data in an area to figure out if it’s likely to have more pet insurance claims.
How old your pet is plays a big role in setting the monthly rates. Younger animals are less prone to getting sick or needing a vet visit, so they generally get lower rates. As your pet gets older and health issues come up, the coverage cost usually goes up at renewal.
Animal Type:
Insuring different kinds of animals comes with different costs. Dog insurance, for example, tends to be 2-3 times pricier than cat insurance. The reason is that dogs spend more time outdoors and interact with other animals more, which increases the chances of accidents or illnesses.
While most breeds are healthy, some are more susceptible to specific conditions and illnesses. For instance, certain dog breeds like cocker spaniels have a higher likelihood of developing diabetes. If your pet belongs to a breed with a greater risk of illness, you might see your monthly premium go up.
Insurance Type:
The type of coverage you choose affects the overall cost of pet insurance. Different policies have specific deductibles and coverages. If you opt for more protection or a lower deductible, your annual cost for the pet health insurance will be higher.

Massachusetts pet insurance laws to know

In Massachusetts, pet insurance isn’t required by law, but the state does lay out what a pet health insurance policy should include.

According to the Massachusetts Division of Insurance, here’s what they have to say about pet health insurance:

“A pet health insurance policy reimburses the pet owner for specified veterinary care. As with your health insurance policy, these policies typically itemize covered treatments, deductibles (the amount you’re responsible to pay) and lifetime or per illness maximums. The cost of the policy may vary based on the amount and type of coverage as well as the breed or species. Estimate the health costs for your animal’s expected life and take into consideration how much you could afford for emergency treatment or a long illness.”

In the news

  • Good news for dog owners in Cambridge! Some new laws are on the way that will let your furry friends hang out with you on certain patios and beer gardens.
  • And that’s not all – state officials are stepping up to protect animals. They’ve introduced a bill to make it tougher for folks with animal abuse convictions to own, adopt, or foster pets. It’s a big step towards ensuring our pets’ well-being!

Information about Cambridge

Cambridge, Massachusetts, a city with a rich history, has played a crucial role in shaping the United States. It is home to prestigious educational institutions and boasts a vibrant arts scene. Visitors can enjoy its cultural offerings, picturesque waterfront, and exciting sports events. Cambridge is a unique and captivating destination for all.

Pet insurance discounts in Cambridge

While you’re searching for the perfect pet health insurance, keep an eye out for extra perks and discounts that can make your monthly premiums more budget-friendly. Here’s a list of discounts to check out before you decide on a policy

  • Employer-sponsored discounts
  • Multi-pet discount
  • Employee union discounts
  • Wholesale and special interest clubs discounts
  • Multi-policy discount
  • Active and retired military discounts
  • Senior discounts
  • Online policy discounts
  • Animal care employee discounts
  • Special service animal discounts


Do all vets take pet insurance in Cambridge?

In most cases, vets do accept pet insurance, but it’s essential to double-check with your provider to be sure. Some pet insurance companies even have a convenient Vet Direct Pay option, where they directly pay the vet. However, not all clinics may go with this method. So, it’s good to know the details beforehand.

What is the cost of pet insurance in Cambridge?

When it comes to pet insurance in Cambridge, how much you pay depends on a few things: your pet’s type, breed, age, and medical history. On average, cat insurance costs about $16, while dog insurance is around $33

Am I required to have pet insurance in Cambridge?

In Cambridge, pet owners aren’t obligated to get pet health insurance. But it’s a smart move to consider having it because it could end up saving you loads of money on medical bills for your furry friend.

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