Best Pet Insurance In Maryland For 2025

If you’re looking for the best pet insurance in Maryland, Lemonade Pet Insurance stands out as the top choice. With affordable premiums, customizable coverage, and a user-friendly claims process, it offers excellent value for pet owners.

We’ve saved shoppers an average of $350 per year on their pet insurance.

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If you’re a pet owner in Maryland, choosing the right pet insurance can mean the difference between affordable vet care and expensive out-of-pocket costs when your pet needs medical attention. Unexpected accidents and illnesses can happen at any time, and without proper coverage, treatments can cost thousands of dollars.

After reviewing multiple providers, Lemonade Pet Insurance emerged as the best overall choice for its affordable pricing, broad coverage, and fast claims process.

In this guide, I’ll compare the top pet insurance options in Maryland, explain how different factors affect pricing, and help you find the best policy to protect your pet and your wallet.

Best Pet Insurance In Maryland, 2025

Lemonade
Best Overall Coverage - Lemonade Pet Insurance
Lemonade
Best For Affordable Coverage - Lemonade Pet Insurance
embraceicon-logo
Best For Cat Owners - Embrace Pet Insurance
Lemonade
Best For Owners Of Young Pets - Lemonade Pet Insurance
aspca
Best For New Pet Owners - ASPCA Pet Insurance
Best Pet Insurance, Maryland, 2025

Compare The Best Pet Insurance In Maryland

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

2 days for accidents and 14 days for illnesses

Affordable Coverage

4.7

$17

$32

Instant Quote
Lemonade Pet Insurance

2 days for accidents and 14 days for illnesses

Owners Of Young Pets

4.7

$17

$32

Instant Quote
ASPCA

Immediately for preventive care and 14 days for accidents/illnesses

New Pet Owners

4.6

$18

$37

Instant Quote
Pets Best

3 days accidents and 14 days illnesses

Owners Of Multiple Pets

4.5

$12

$27

Instant Quote
Lemonade Pet Insurance

2 days for accidents and 14 days for illnesses

Overall Coverage

4.7

$17

$32

Instant Quote
Embrace

48 hours for accidents and 14 days for illnesses

Cat Owners

4.7

$14

$31

Instant Quote
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Best Pet Insurance Providers In Maryland 2025


Best Overall Coverage

Overall Rating
4.7

Key Statistics

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

Why We Like Them

Top pet insurance providers are distinguished by their pricing, customer service, and efficiency in handling claims. Lemonade Pet Insurance is a top choice in Maryland, offering rates as low as $18.41 per month for cats and $35.18 for dogs. Colorado pet owners rave about Lemonade’s stellar customer service and their dedication to pets.

Benefits & Drawbacks

Benefits
  • Accidental coverage effective after a 48-hour waiting period.
  • Superior claims processing team
  • There's a variety of discounts you can access.
  • Nonprofit sectors receive aid from monthly expenses.
Drawbacks
  • Certain pet breeds require enrollment within specified age limits.
  • There are no guidelines in all states
  • When deciding on premiums, insurance firms take into account the pet owner's credit score and past claims.

Best For Multiple Pets

Overall Rating
4.5

Key Statistics

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

Why We Like Them

If you have multiple pets, your expenses might go up, but you could save on pet insurance. Companies such as Pets Best provide discounts for multi-pet policies. Their premiums are affordable, with cat insurance costing around $29.54 and dog insurance around $41.39. Pets Best also offers a 24/7 vet helpline and coverage for pets with disabilities or special prosthetic needs.

Benefits & Drawbacks

Benefits
  • Our policy covers pets equipped with wheelchairs or prosthetics.
  • A veterinary hotline is there to assist you at any hour of the day.
  • There's a three-day waiting period before accident coverage kicks in.
  • Tailor your insurance plan to cover accidents and illnesses as per your preferences.
Drawbacks
  • Claims receive slower handling here than they do at other firms
  • You can adjust policies only upon renewal.

Best For Owners Of Young Pets

Overall Rating
4.7

Key Statistics

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

Why We Like Them

A lot of people opt to welcome young pets into their families, bringing joy and enthusiasm into their lives. Yet, taking on a new kitten or puppy can be overwhelming. Besides training, finding a pet insurance provider that simplifies coverage management is crucial. Lemonade Pet Insurance offers affordability, an intuitive mobile app, and excellent customer support, with average premiums of $18.14 for cats and $35.18 for dogs, making it a top choice for owners of young pets.

Benefits & Drawbacks

Benefits
  • Policyholders can start claiming pet injury benefits after waiting just 2 days.
  • Claims are promptly dealt with.
  • The company directs some of the premium from policyholders to support nonprofit causes.
Drawbacks
  • The company directs some of the premium from policyholders to support nonprofit causes.
  • The policy excludes certain states across the country.
  • Pet insurance prices are determined based on the pet owner's creditworthiness and claims history.

Best For New Pet Owners

Overall Rating
4.6

Key Statistics

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

Why We Like Them

If you’ve recently adopted a pet, it’s wise to choose an insurance provider like ASPCA known for their expertise in animal health. Though premiums are higher—$38.67 for cats and $83.30 for dogs—ASPCA offers advantages such as no age restrictions for senior pets and optional behavioral and alternative therapies tailored to specific breeds.

Benefits & Drawbacks

Benefits
  • Subjects covered encompass unconventional therapies, behavioral issues, and congenital conditions.
  • A 14-day waiting period is required for cruciate injuries.
  • Get veterinary assistance anytime with our 24/7 telehealth service.
  • Regular insurance covers vet visits due to illness and accidents.
Drawbacks
  • The agent is the exclusive route to unlimited annual coverage.
  • The deductions available are few.

Best For Cat Owners

Overall Rating
4.7

Key Statistics

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

Why We Like Them

Living in Maryland and needing reliable cat insurance? Embrace Pet Insurance offers cost-effective plans starting at about $20.44 per month, along with a $2 donation to charity for every policy sold. They’re a preferred partner of major insurers such as USAA, Allstate, and GEICO.

Benefits & Drawbacks

Benefits
  • Affordable policy options are available for your selection.
  • Many regular insurance packages offer coverage for treatable pre-existing health conditions.
  • Pet owners can speed up the orthopedic treatment process by having their pets examined by a veterinarian.
Drawbacks
  • Only accident plans are offered to pets that are 14 years old or more.
  • Typical policies do not extend to include extra protection.

Best Affordable Coverage

Overall Rating
4.7

Key Statistics

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

Why We Like Them

While most pet owners prioritize their pets’ safety, they commonly view pet insurance as prohibitively expensive. Lemonade Pet Insurance challenges this belief with affordable rates of $18.41 for cats and $35.18 for dogs. They offer discounts, such as bundling, which can reduce expenses by up to 15%, and their straightforward app streamlines policy administration.

Benefits & Drawbacks

Benefits
  • You must wait two days after an accident.
  • Claims are handled quicker than those of other prominent insurers.
  • Many discounts are waiting for you to use.
  • Some of your fee goes toward helping nonprofits
Drawbacks
  • Coverage for specific types of pets may cease once they reach a designated age limit.
  • Coverage limits vary based on the state you reside in.
  • Owners' credit ratings and past insurance claims affect how much they pay for pet insurance.

Average Cost Of Pet Insurance In Maryland

​The cost of pet insurance in Maryland varies based on factors such as your pet’s breed, age, and the coverage selected. Below are detailed tables illustrating average monthly premiums for different scenarios.​

Average Cost Of Pet Insurance In Maryland — By Dog Breed

Dog Breed Average Monthly Cost
Beagles $20
Labradoodle $33
Greyhound $66
Golden Retriever $86

Note: These figures are illustrative and actual premiums may vary based on the insurer and specific coverage options.​

Average Cost Of Pet Insurance In Maryland— By Cat Breed

Cat Breed Average Monthly Cost
Domestic Shorthair $15
Sphynx $20
Siamese $22
Maine Coon $23

Note: These figures are illustrative and actual premiums may vary based on the insurer and specific coverage options.​

Average Cost Of Accident-Only Pet Insurance In Maryland

Insurance Provider Average Monthly Cost
Lemonade $25
TrustedPals $30
Figo $36
Pets Best $26
ASPCA $35

Note: Accident-only plans typically cover injuries resulting from accidents but exclude illnesses.

Average Cost Of Comprehensive Pet Insurance In Maryland

Insurance Provider Average Monthly Cost
Lemonade $35
Pets Best $40
Trupanion $60
FIGO $68
Spot $85

Note: Comprehensive plans generally cover both accidents and illnesses, offering broader protection for your pet.​

These tables provide a general overview of pet insurance costs in Maryland. Actual premiums can vary based on specific factors such as your pet’s age, health condition, and the exact coverage details you choose. It’s advisable to obtain personalized quotes from multiple insurers to find the best plan that suits your pet’s needs and your budget.​

Largest Pet Insurance Companies In The United States

Insurance Company 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 In Maryland

Purchasing pet insurance is a simple process, especially with resources like Insuranceopedia.

Research Your Pet’s Insurance Needs

Before purchasing, consider your pet’s age, breed, medical history, and activity level. Some breeds are more prone to health conditions, which may influence the level of coverage needed.

1

Compare Multiple Pet Insurance Providers

Use online comparison tools or visit insurers’ websites to get quotes. Look at coverage options, exclusions, deductibles, reimbursement rates, and waiting periods.

2

Choose the Right Coverage Type

Pet insurance typically comes in three forms:

  • Accident-Only Coverage – Covers injuries from accidents but not illnesses.
  • Accident & Illness Coverage – Provides broader coverage for most health issues.
  • Wellness Plans (Optional Add-Ons) – Covers routine care like vaccinations and checkups.
3

Select a Deductible and Reimbursement Level

Choose between annual or per-condition deductibles and decide on a reimbursement percentage (usually 70%, 80%, or 90%). A lower deductible means higher monthly premiums, but fewer out-of-pocket costs for claims.

4

Read the Fine Print

Check for exclusions, waiting periods, and breed-specific limitations. Some policies may not cover hereditary conditions or pre-existing conditions.

5

Purchase the Policy Online

Once you’ve selected the best plan, complete the online enrollment. Most providers allow instant policy activation after payment.

6

Factors That Impact the Cost of Pet Insurance in Maryland

The cost of pet insurance in Maryland is influenced by several factors, including your pet’s breed, age, health, and location. Below, we break down the biggest cost drivers:

General Factors That Affect Pet Insurance Costs:

1. Type of Pet

Dogs typically cost 2-3x more to insure than cats due to their higher risk of injuries and health conditions.

Cats tend to have fewer medical emergencies, making them cheaper to insure.

2. Breed-Specific Costs

Purebred pets usually cost more to insure due to a higher likelihood of hereditary conditions.
Breeds prone to health issues, like bulldogs (breathing problems) or German shepherds (hip dysplasia), come with higher premiums.

3. Age of Your Pet

Older pets cost more to insure since they are more likely to need medical care.
Some insurers won’t cover pets beyond a certain age or may exclude pre-existing conditions.

4. Type of Policy

Accident-only policies are cheaper than comprehensive accident & illness coverage.
Some policies include routine care add-ons, which increase the price.

Maryland-Specific Factors That Impact Pet Insurance Costs

1. Location and Veterinary Costs

Where you live in Maryland affects your pet insurance rates. Areas with higher veterinary costs tend to have higher insurance premiums.

City Monthly Pet Insurance Cost
Baltimore Higher than state average due to high vet costs & claim rates.
Annapolis Moderate rates, with access to high-end pet care.
Frederick Lower premiums due to fewer claims & lower cost of living.
Rural Areas Cheapest premiums due to lower vet costs & fewer claims.

2. Cost of Living & Pet Ownership Trends

  • Cities like Baltimore and Annapolis have higher veterinary costs, which results in higher pet insurance rates.
  • Rural areas often have cheaper insurance due to lower vet costs and fewer insurance claims.

3. Climate-Related Risks

  • Hot, humid summers in Maryland increase the risk of heatstroke and dehydration, especially for short-nosed breeds like pugs.
  • Tick-borne diseases like Lyme disease are more common in Maryland, increasing vet visits and potential insurance claims.

How To Find The Best Pet Insurance Company For You

Choosing the best pet insurance in Maryland requires careful comparison of policies, costs, and provider reputation. Here’s a step-by-step guide to help you pick the right insurer:

1. Decide on Coverage Type

Pet insurance comes in two main types:

  • Accident-Only – Covers injuries like broken bones or swallowed objects but doesn’t include illnesses.
  • Comprehensive (Accident & Illness) – Covers both injuries and medical conditions, including hereditary diseases.

2. Compare Key Policy Features

Before choosing a plan, compare the following:

  • Annual Deductible – How much you pay before coverage kicks in.
  • Reimbursement Rate – Typically 70%, 80%, or 90% of vet bills.
  • Annual Coverage Limit – Some plans cap payouts, while others offer unlimited coverage.

3. Consider Your Budget

Pet insurance premiums vary widely based on:

  • Your pet’s breed, age, and medical history.
  • The insurer and level of coverage.
  • Your deductible and reimbursement choices.

4. Look at Exclusions & Waiting Periods

  • Most policies don’t cover pre-existing conditions.
  • Some have waiting periods (e.g., 14 days for illnesses, 6 months for knee injuries).

5. Read Customer Reviews & Check Claim Processing Time

Not all insurers process claims quickly. Look for companies known for:

  • Fast reimbursements.
  • Good customer service.
  • Positive reviews from pet owners in Maryland.

6. Check for Discounts & Multi-Pet Savings

Some companies offer discounts for:

  • Multiple pets under the same policy.
  • Bundling with home or auto insurance.
  • Military members or seniors.

By following these steps, you’ll find a pet insurance plan that fits both your pet’s healthcare needs and your budget.

Expert Tip: If your pet’s breed is prone to genetic conditions (e.g., hip dysplasia in Golden Retrievers), a comprehensive policy is a better investment.

Pet Insurance Discounts In Maryland

Pet insurance in Maryland can be expensive, but many insurers offer discounts that can lower your monthly premium. Not all companies advertise their discounts, so always ask about savings opportunities before purchasing a policy.

Common Pet Insurance Discounts to Look For:

  • Multi-Pet Discount – If you insure more than one pet, many companies offer 5-10% off per pet.
  • Employer & Union Discounts – Some Maryland employers and unions offer special insurance rates for employees or members.
  • Bundling Discount – Insurers like Nationwide and USAA may offer discounts for bundling pet insurance with auto or home policies.
  • Military & Senior Discounts – Active-duty military members, veterans, and seniors may qualify for 5-15% savings with select providers.
  • Veterinary & Service Animal Discounts – Some insurers offer lower rates for service animals or for pet owners who work in veterinary medicine.
  • Online Purchase Savings – Buying a policy online instead of through an agent can reduce administrative fees and unlock special promo rates.

Our Methodology

Our team reviewed various pet insurance plans in Maryland to discover the most budget-friendly options. With over two decades of collective insurance knowledge, we provided insightful recommendations. It's important to note that while our guide's rates are current, they can fluctuate daily based on factors such as your pet's age and breed.

30+

Quotes Analyzed

23

Brands Reviewed

25+

Years Of Industry Experience

32+

Research Hours

FAQs

Do all vets take pet insurance in Maryland?

Across Maryland, every vet clinic supports pet insurance, giving owners the option to pay for veterinary bills upfront and receive reimbursement afterward.

How much is pet insurance in Maryland?

Across Maryland, it’s widely observed that pet insurance for cats is generally cheaper than for dogs. The average monthly premium for cat insurance stands at $27.56, whereas dog owners pay approximately $48.81.

Legally, am I required to insure my pet in Maryland?

While it’s beneficial to have pet insurance, Maryland law doesn’t enforce it for dogs or cats.

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