Best pet insurance Companies In Waltham, MA

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

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

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Updated: 08 May 2024
Written by Doug Schaffer
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After conducting 22 hours of research, our pet insurance experts carefully evaluated quotes from 15 providers. They found that Spot Pet Insurance offers the best overall coverage. Lemonade Pet Insurance also stood out as an excellent choice for affordable pet insurance in Waltham.

With average monthly rates for dog insurance at about $34.87, both Spot and Lemonade Pet Insurance offer significantly lower prices.

In this guide, we’ll delve into how various types of pets, their breeds, and age influence the monthly premiums for pet owners in Waltham. It’s all about finding the perfect coverage for your furry friend!

Best pet insurance companies in Waltham, Massachusetts 2024

Best pet insurance, Waltham 2024

Compare the best pet insurance companies in Waltham, Massachusetts

Overall Rating Best For Average Annual Cost for Dogs Average Annual Cost for Cats Coverage Waiting Period 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
Pets Best Pet Health Insurance

Owners of Multiple Pets



3 Days for Accidents and 14 Days for Illnesses

Instant Quote

New Pet Owners



Immediately for Preventive Care and 14 Days for Illnesses and Accidents

Instant Quote

Cat Owners



1 Day for Accidents and Illnesses

Instant Quote

Overall Coverage



14 Days for Accidents and Illnesses

Instant Quote
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Our methodology

Our dedicated team thoroughly researched to find the most budget-friendly pet insurance rates in Waltham. We analyzed data from various pet insurance companies across Massachusetts and tapped into our team of insurance experts' 25 years of combined experience to assess each provider. Remember, while the rates in this guide are accurate, pet insurance premiums can change daily and may vary based on your pet's age. It's essential to stay informed and find the best deal for your furry companion. Here's a snapshot of our efforts:


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

Amidst the several great pet insurance companies in Waltham, Spot Pet Insurance stands out for its top-notch coverage. Although their premiums may be slightly higher, they more than make up for it with exceptional customer service and a wide range of coverage options.

For cat owners, the monthly rates are around $18, while dog owners usually pay about $28.

Another perk of choosing Spot is the flexibility in selecting maximum annual limits. They offer various options, such as:

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

Spot goes the extra mile by providing policyholders with a 24/7 pet telehealth helpline for advice on accidents and illnesses affecting their pets. With Spot, you and your furry friend are in good hands!

Benefits & Drawbacks

  • Ensure coverage for pets of all ages, without any age restrictions
  • Access a 24/7 telehealth helpline, offering continuous support to policyholders
  • Enjoy the flexibility of filing claims within a generous 270-day timeframe
  • Note that premiums are marginally elevated for young pets
  • Be aware of a comparatively longer waiting period in comparison 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 you look for pet insurance, cost is a big concern for most pet owners. We checked out several companies in Waltham, and Lemonade Pet Insurance emerged as the most budget-friendly option in many categories. Cat owners pay only $12.31 per month, while dog owners pay around $27.88 monthly.

But that’s not all! Lemonade comes with other great benefits too. They have a quick claims process, offer various discounts, and have a user-friendly mobile app for managing your policy. It’s all about giving you peace of mind and convenience for your pet’s well-being!

Benefits & Drawbacks

  • Experience quick claims processing, with a significant number of customers finalizing the process within minutes
  • Engage with an interactive mobile app that enhances your ability to manage your policy effectively
  • Tailor your coverage according to your preferences through customizable options
  • Enjoy the advantage of affordable premium rates, providing value for your investment
  • Note that coverage extends only to 38 states
  • Policyholders are restricted to making adjustments to their policy during the renewal period exclusively
  • Be aware of the limited coverage options available for older pets

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

Welcoming a new kitten or puppy into your family brings so much joy! But amid all the cuddles, training, and treats, don’t forget about their health. Getting a pet insurance policy is crucial. And for Waltham pet owners with young pets, Lemonade Pet Insurance is the best choice.

Lemonade tops the list as the most affordable option for owners of kittens and puppies, and they even offer discounts to make premiums even lower. What’s more, they have one of the shortest waiting periods for accident coverage – just two days!

For cat insurance, you’re looking at around $12 per month, and for dog insurance, it’s approximately $28. It’s a small price to pay for the peace of mind and protection it brings to your furry friend’s well-being.

Benefits & Drawbacks

  • Access cost-effective coverage tailored for kittens and puppies
  • Policyholders enjoy the convenience of filing claims within seconds through the company's user-friendly mobile app
  • Experience rapid accident coverage with a mere 2-day waiting period
  • Note the restricted availability of the pet telehealth line, which operates within limited hours
  • Vet exam fees receive coverage solely through the acquisition of an insurance add-on/rider
  • Keep in mind that policy adjustments are exclusively possible during the renewal process

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

As a new pet owner, you might already know about ASPCA (American Society for the Prevention of Cruelty to Animals). They’re dedicated to preventing animal cruelty, but did you know they also offer pet insurance for cats, dogs, and horses in some states?

One great advantage of ASPCA is that they cover common hereditary or congenital conditions. Many other pet insurance companies don’t offer this, but ASPCA does, even if the condition appears after the pet is already on the policy.

And the best part is, their rates are competitive! Cat owners pay around $13.76 per month, and dog owners pay about $37.05. It’s a caring and affordable option for your furry companion’s well-being.

Benefits & Drawbacks

  • Enjoy the advantage of a round-the-clock pet telehealth line, providing continuous support to policyholders
  • Gain peace of mind with coverage for veterinarian office visits related to both illnesses and accidents
  • Secure comprehensive protection for elderly pets, without encountering any upper age enrollment restrictions
  • Access additional services such as stem cell therapy and microchipping, enhancing the scope of coverage
  • Navigate a website that presents challenges in terms of user-friendliness
  • Note that claims processing might extend up to 30 days
  • Policies offer a restricted number of deductible options, limiting customization in this aspect

Cheapest Rates for Owners of Multiple Pets

Overall Rating

Key Statistics

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

Why We Like Them

While their claims process may be a bit slower than some competitors, their amazing options and customer care make up for it.

Pets Best stands out by offering coverage for pets as young as seven weeks old, and they even assist animals needing wheelchairs or other prosthetic devices. Now that’s dedication to your pet’s well-being!

Their customer service team is truly pawsome, valuing each policyholder and building lasting relationships. Plus, with access to a 24/7 telehealth helpline manned by veterinarian experts, you can always seek guidance on your pet’s health issues.

And let’s not forget their competitive rates! For cat coverage, you’re looking at around $14.47 per month, while dog insurance costs approximately $36.42. It’s a furry-friendly deal for your beloved pets!

Benefits & Drawbacks

  • Secure coverage for wheelchairs and a range of other prosthetic devices, prioritizing your pet's mobility and well-being
  • Access the convenience of Direct Vet payment for seamless transactions with participating providers
  • Enjoy financial advantages through various discounts tailored for pet owners with multiple companions
  • Benefit from uninterrupted access to a 24/7 pet telehealth helpline, ensuring timely support whenever needed
  • Note the absence of coverage for alternative therapies within any policies
  • Be aware that claims processing might be slower compared to the pace of most competitors
  • Policies can only be modified during the time of renewal, limiting immediate flexibility for adjustments

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

When it comes to pet insurance, FIGO Pet Insurance is a purrfect choice. They are deeply rooted in the pet community, with almost 90% of their staff being pet owners themselves. That’s the kind of love and care your furry friend deserves!

Not only that, but FIGO also offers some of the most affordable rates for Waltham cat owners, averaging around $12.69 per month. It’s a win-win for you and your precious feline companion!

And here’s the cherry on top – FIGO provides a free 24/7 vet telehealth service, and their one-day waiting period for accidents is top-notch. You can have peace of mind knowing that your pet’s health is in safe paws with FIGO.

Benefits & Drawbacks

  • Ensure comprehensive coverage for senior pets, with enrollment possible regardless of age
  • Access round-the-clock veterinary telehealth helpline services, providing continuous support for your pet's well-being
  • Benefit from quick accident coverage, with a mere one-day waiting period
  • Note that exam fees receive coverage exclusively through the purchase of an insurance rider
  • Be aware that an accident-only policy is not part of the offerings
  • Keep in mind the absence of coverage for hereditary conditions if a pet is added to the policy after their 2nd birthday

Average cost of pet insurance in Waltham, Massachusetts

In Waltham, the cost of pet insurance depends on various factors, but typically, cat owners pay around $16, while dog owners may shell out around $35 for coverage.
Now, let’s dig deeper and explore some criteria that influence the monthly premiums. Check out the following tables for more insights!

Average Cost in Waltham — By Cat Breed

Cat Breed Average Monthly Cost
Persian $18
Ragdoll $19
Maine Coon Cat $19
Exotic Shorthair $20

Average Cost in Waltham — By Dog Breed

Dog Breed Average Monthly Cost
Golden Retriever $34
German Shepherd $38
Labrador Retriever $38
French Bulldog $54

Average Cost in Waltham — Accidental-Only Coverage

Insurance Provider Average Monthly Cost for Accident-Only Coverage
Pets Best $17
Spot Pet Health Insurance $18
ASPCA Pet Health Insurance $34
Embrace Pet Insurance $37
AKC Pet Insurance $39

Average Cost in Waltham — Comprehensive Coverage

Insurance Provider Average Monthly Cost for Comprehensive Coverage
Spot Pet Insurance $38
ASPCA Pet Health Insurance $44
Pets Best $45
AKC Pet Insurance $58
Embrace Pet Insurance $61


How to find the best pet insurance company for you

Embarking on the journey of buying pet insurance might feel like a new adventure with its share of uncertainties. But fear not! Selecting the right coverage for your furry friend can be an exciting process if you follow a few simple steps.

First, figure out the type of coverage you want for your pet. There are two main types: comprehensive and accident-only. Each type comes with its perks and various options based on the provider you choose.

Next, consider the coverage limit and deductible that suit your needs. These can differ from company to company, so find a provider that matches your preferences.

Lastly, once you have a list of potential providers offering the coverage and deductible you want, request a quote and compare the rates. You’ll be well-prepared to make the best choice for your pet’s well-being!

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 pet or an existing furry family member, you can ensure a smooth shopping experience by following these simple steps:

  • Step 1: Gather all essential information about your pet, like type, breed, age, medical history, and any documents related to their lineage.
  • Step 2: Figure out the coverage amount and deductible you want for your pet’s insurance.
  • Step 3: Compare at least three quotes from different pet insurance companies.
  • Step 4: Once you’ve made your choice, purchase the policy and inform your vet about your new coverage. Easy peasy!

Factors that impact cost of your pet insurance policy in Waltham

Pet insurance cost in Waltham depends on various factors, much like other types of insurance. For Waltham pet owners, these factors include:

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

Let’s take a closer look at each factor and how it affects your coverage cost.

Different Waltham zip codes may have slight variations in monthly premiums. Insurance companies use past claim data to determine if certain areas are more prone to pet insurance claims.

The age of your pet is a significant factor in setting monthly rates. Younger pets usually have lower health risks, resulting in more affordable premiums. As pets age and face more health issues, their coverage cost may increase at each renewal.

Animal Type:
Insuring dogs can be 2-3 times more expensive than insuring cats. The reason behind this difference lies in the risks associated with dogs’ outdoor activities and interactions with other animals.

While most breeds are considered healthy, some have a higher chance of specific conditions. If you have a breed with an elevated risk, your monthly premium might go up.

Insurance Type:
The type of coverage you choose plays a role in overall cost. Different policies come with specific deductibles and coverages. Opting for more protection or a lower deductible could lead to a higher annual cost for the pet health insurance policy.

Massachusetts pet insurance laws to know

Although there’s no Massachusetts law mandating pet insurance for pet owners, the state does provide guidelines for a pet health insurance policy.

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

Exciting news for dog owners in Waltham! New laws now permit dogs to accompany their owners at specific patios and beer gardens in the city.
Furthermore, state officials have recently introduced a bill to tighten restrictions on individuals convicted of animal abuse, making it more challenging for them to own, adopt, or foster pets. This move aims to protect animals and promote responsible pet ownership in the community.

Information about Waltham

Welcome to Waltham, a charming city in Massachusetts with a rich history and unique attractions! As the city with a proud historical background, Waltham has contributed significantly to the development of the United States, making it an essential part of American history.

Waltham boasts several excellent educational institutions, making it a hub for knowledge and innovation. The city also has a thriving arts and cultural scene, offering residents and visitors alike a chance to explore diverse artistic expressions.
Strolling along the picturesque Charles River, you can enjoy the tranquility of the waterfront and appreciate the natural beauty that surrounds Waltham.

Pet insurance discounts in Waltham

As you go about shopping for pet health insurance, you’ll find that each provider offers various discounts to make the monthly premiums more budget-friendly. Here’s a handy list of discounts you should explore before making your policy purchase:

  • 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 Waltham?

Most vets usually accept pet insurance, but it’s important to double-check with your provider to be sure. Some pet insurance companies even offer a Vet Direct Pay option, where they directly pay the vet for the services. However, keep in mind that not all clinics may accept this payment model.

What is the cost of pet insurance in Waltham?

The cost of pet insurance in Waltham depends on various factors, such as your pet’s type, breed, age, and medical history. On average, cat insurance is about $16.21, while dog insurance costs around $34.87.

Am I required to have pet insurance in Waltham?

While it’s not mandatory for Waltham pet owners to get pet health insurance, it’s highly recommended because it can save you a ton of money on medical expenses for your furry friends.

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