Best Pet Insurance In Maryland For 2025

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.

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

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

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

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

Average Cost Of Comprehensive Pet Insurance In Maryland

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

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.

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.

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.