Best pet insurance Companies In Worcester, MA

My top pick for pet insurance in Worcester is Spot Pet Insurance.

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 researching for 22 hours and comparing quotes from 15 providers, our pet insurance experts agree that Spot offers the best overall coverage. If affordability is a top concern, Lemonade Pet Insurance also stood out as a great option for Worcesterians.

When it comes to dog insurance, the average monthly rate in Worcester is approximately $34.87. Both Spot and Lemonade Pet Insurance offer rates significantly below this average.

Throughout this guide, we’ll delve into how the type of pet you have, along with its breed and age, can impact the monthly premiums for pet owners in Worcester.

Best pet insurance companies in Worcester, 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 companies in Worcester 2024

Compare the best pet insurance companies in Worcester, Massachusetts

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
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Our methodology

Our quest to find the most affordable pet insurance rates in Worcester led us to examine data from various pet insurance companies across Massachusetts. Alongside this, our team of insurance experts, boasting a cumulative experience of twenty-five years, thoroughly assessed each carrier's offerings. Here's a glimpse of the effort we put in: While we strive to present accurate rates in this guide, it's essential to bear in mind that premiums can change daily and may vary depending on your pet's age.


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
8/10 Coverage Level

Why We Like Them

In the bustling pet insurance market of Worcester, Spot Pet Insurance stands out as a top-notch choice for comprehensive coverage. Though their premiums may be a tad higher than others, they more than compensate with their exceptional customer service and an impressive array of coverage options.

If you’re a cat owner, you can expect to pay around $18 per month, while dog owners typically shell out approximately $28 each month.

One distinct advantage of choosing Spot as your insurer is the flexibility to pick from various maximum annual limit options. They currently offer the following coverage limits for policyholders to select from:

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

Moreover, Spot extends an invaluable 24/7 pet telehealth helpline to policyholders, offering expert advice on accidents and illnesses impacting their furry companions. It’s peace of mind for pet owners!

Benefits & Drawbacks

  • Enjoy the convenience of coverage for pets of any age, regardless of their life stage.
  • Experience peace of mind with a readily accessible 24/7 telehealth helpline, providing expert advice to policyholders whenever they need it.
  • Take advantage of the flexibility to file claims within a generous timeframe of up to 270 days, allowing ample room for the necessary documentation process.
  • For young pets, premiums might be slightly higher than with other pet insurance providers.
  • Keep in mind that there is a longer waiting period compared to that of some 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

In the hunt for pet insurance, many pet owners prioritize cost. Among the companies we reviewed in Worcester, Lemonade Pet Insurance emerged as a clear winner in terms of affordability. Cat owners can enjoy the perk of paying just $12.31 a month, while dog owners can secure coverage for a budget-friendly $27.88 monthly.

But hold on, that’s not all! Lemonade has more to offer beyond pocket-friendly rates. Their advantages include a quick and efficient claims process, various discount opportunities, and a user-friendly mobile app for hassle-free policy management. It’s a sweet deal for pet owners looking for value and convenience!

Benefits & Drawbacks

  • Experience the convenience of a speedy claims process, with many customers getting it done within minutes.
  • Stay connected and in control with an interactive mobile app that puts all your insurance needs at your fingertips.
  • Tailor your coverage to suit your specific requirements with customizable options, ensuring you get the protection you need.
  • Enjoy peace of mind with affordable premium rates, making pet insurance accessible to more individuals and families.
  • Keep in mind that coverage is currently limited to 38 states, which may affect eligibility depending on your location.
  • Policy adjustments can only be made during renewal, so make sure to review your coverage thoroughly before that time.
  • For older pets, there might be limited coverage options available, potentially affecting the level of protection you can obtain.

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 home brings immense joy, but amidst all the cuddles and training, don’t forget about their health! It’s crucial to consider getting a health insurance policy for your furry family member. And for pet owners in Worcester, the top choice for young pets is Lemonade Pet Insurance.

Lemonade earns its crown by being the most budget-friendly option for pet owners with kittens and puppies. They even offer discounts to make premiums even more affordable. Not just that, the waiting period for accident coverage is impressively short, with benefits kicking in after just two days.

With Lemonade Pet Insurance, cat owners can get covered for around $12 per month, while dog owners can secure a plan for approximately $28. It’s a wise investment in your pet’s well-being without breaking the bank!

Benefits & Drawbacks

  • Enjoy the perk of affordable coverage specially designed for kittens and puppies, making it easier to protect your young furry friends.
  • Experience the ease of filing claims within seconds, right from the convenience of the company's mobile app, ensuring a hassle-free process.
  • Gain quick access to accident coverage with a short 2-day waiting period, providing immediate protection when you need it most.
  • Keep in mind that the pet telehealth line operates on limited hours, so make sure to plan your inquiries accordingly.
  • Note that vet exam fees are only covered through an insurance add-on or rider, which might require an additional cost for comprehensive coverage.
  • Policy adjustments are restricted to the renewal process, so it's essential to review your policy thoroughly before 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

As a new pet owner, you’re likely familiar with ASPCA (American Society for the Prevention of Cruelty to Animals). Beyond their dedication to preventing animal cruelty, they also offer pet insurance coverage for cats, dogs, and even horses in some states.

One remarkable advantage that ASPCA brings to the table is coverage for common hereditary or congenital conditions. It’s a rare find since many pet insurance companies shy away from helping with such illnesses. However, ASPCA steps up to assist pet owners and covers these issues if they arise while the pet is under an active policy.

On top of that, ASPCA provides competitive rates, with cat owners paying only $13.76 monthly, and dog owners securing coverage for a reasonable $37.05. It’s a blend of compassion and practicality for pet owners seeking reliable insurance options!

Benefits & Drawbacks

  • Benefit from the convenience of a 24/7 pet telehealth line, providing round-the-clock expert advice whenever you need it.
  • Enjoy the peace of mind knowing that veterinarian office visits are covered for both illnesses and accidents, ensuring your pets receive proper care.
  • Embrace the inclusivity of insuring elderly pets, as there's no upper age limit for enrollment, making sure your furry companions can still get coverage in their later years.
  • Take advantage of the additional services covered, such as stem cell therapy and microchipping, expanding the scope of care for your beloved pets.
  • Keep in mind that the website might be challenging to navigate, so you may need some patience while accessing information or managing your policy online.
  • Note that claims processing can take up to 30 days, so it's essential to plan accordingly if you require timely reimbursements.
  • Policies may offer a limited number of deductible options, which might restrict your flexibility in customizing your coverage to suit your preferences.

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 cat owners in Worcester, FIGO Pet Insurance stands out as an excellent choice. They take pride in being a part of the pet community, with almost 90% of their staff being pet owners themselves. This love for animals reflects in their services and makes them one of the most budget-friendly options for cat owners in Worcester, with monthly policies averaging around $12.69.

What’s more, FIGO sweetens the deal by offering a free 24/7 vet telehealth service and an impressive one-day waiting period for accidents.

Benefits & Drawbacks

  • Benefit from coverage for senior pets with no age enrollment limit, ensuring all pets receive the protection they need.
  • Enjoy the convenience of 24/7 vet telehealth helpline services, providing expert guidance and support at any time.
  • Accidents are covered swiftly after a one-day waiting period, providing immediate peace of mind.
  • Exam fees are only covered through the purchase of an insurance rider, potentially incurring additional costs.
  • Unfortunately, an accident-only policy is not offered, limiting policy options for those seeking specific coverage.
  • If a pet is added to a policy after their 2nd birthday, there might be a lack of coverage for hereditary conditions, so careful planning is advised.

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

Pets Best Pet Health Insurance may have a slightly slower claims process compared to some competitors, but they more than make up for it with their extensive coverage options and top-notch customer support. One fantastic perk is the ability to insure pets as young as seven weeks old, and they even provide assistance for animals needing wheelchairs or other prosthetic devices.

When it comes to their customers, Pets Best goes above and beyond. They have a dedicated customer service team that genuinely cares about each policyholder, striving to build strong, lasting relationships. Policyholders also enjoy the convenience of a 24/7 telehealth helpline with expert veterinarians ready to diagnose and provide guidance on their pet’s health issues.

As for pricing, Pets Best offers competitive rates. Cat coverage comes in at an affordable $14.47 per month, while dog insurance is equally reasonable at $36.42. It’s the kind of comprehensive coverage that pet owners can rely on!

Benefits & Drawbacks

  • Coverage for wheelchairs and prosthetic devices.
  • Direct Vet payment available for providers accepting the service.
  • Various discounts for owners with multiple pets.
  • 24/7 pet telehealth helpline available for policyholders.
  • No coverage for alternative therapies.
  • Slower claims processing compared to competitors.
  • Policies can't be altered until renewal.

Average cost of pet insurance in Worcester, Massachusetts

When it comes to the cost of pet insurance in Worcester, several factors come into play. For cat owners, the average monthly coverage expense is approximately $16, while dog owners can expect to pay around $35.
To gain further insight into the criteria that influence these monthly premiums, let’s take a look at the following tables. They’ll shed more light on the subject!

Average Cost in Worcester — By Cat Breed

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

Average Cost in Worcester — By Dog Breed

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

Average Cost in Worcester — 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 Worcester — 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

For many pet owners, buying pet insurance can be a bit daunting, filled with mysteries and challenges. But fear not! Finding the best coverage for your furry friend is easier than you think.

First things first, decide on the type of coverage you want for your pet. There are two main types: comprehensive and accident-only. Each has its perks, and the coverage options may vary depending on the provider you choose.

Next up, consider your coverage limit and deductible. These options differ from company to company, so it’s essential to find a provider that suits your preferences.

Once you’ve narrowed down your choices to the providers offering the coverage type and deductible you desire, it’s time to request quotes and compare rates. Doing this will lead you to the perfect insurance plan for your pet!

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 coverage for your current pet, following these steps will make your pet insurance shopping a breeze:

  • Step 1: Gather essential information beforehand (like pet type, breed, age, medical history, and any documentation about their lineage).
  • Step 2: Decide on the coverage amount and deductible you prefer for your pet.
  • Step 3: Compare quotes from at least three different pet insurance carriers.
  • Step 4: Once you’ve chosen the right policy, let your vet know about your new coverage.

And you’re all set! A worry-free pet insurance journey awaits you.

Factors that impact cost of your pet insurance policy in Worcester

Pet insurance policies, like other insurances, are influenced by several factors in terms of cost. For Worcester pet owners, the key elements affecting monthly premiums are as follows:

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

Let’s delve into how each factor impacts coverage costs:


In different Worcester zip codes, there may be slight differences in monthly premiums based on past claims data for that area. Insurance companies assess the likelihood of pet insurance claims in a particular region.


The age of the pet is a major factor in determining monthly rates. Younger animals are less likely to have health issues, making them eligible for more affordable rates. As pets age and encounter more health concerns, their coverage costs usually increase at each renewal.

Animal Type:

The cost of insuring different animals varies. For instance, dog insurance is generally 2-3 times more expensive than cat insurance due to the higher risk potential associated with dogs’ outdoor activities and interactions with other animals.


Some breeds are more susceptible to specific conditions and illnesses. For example, certain dog breeds might have a higher chance of developing diabetes during their lifetime. If you have a pet with a higher risk breed, your monthly premium could be higher.

Insurance Type:

The type of coverage you select significantly impacts the overall cost of pet insurance. Different policies come with specific deductibles and coverages. If you choose more protection or a lower deductible, your annual cost for the pet health insurance policy will be higher.

Understanding these factors will help you make informed decisions when choosing the best pet insurance policy for your beloved furry companion.

Massachusetts pet insurance laws to know

In Massachusetts, there’s no legal requirement for pet owners to have pet insurance. However, the state does provide guidance on what a pet health insurance policy should cover. Here’s what the Massachusetts Division of Insurance has to say about it:

“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 Worcester! New laws are coming into play, allowing dogs to accompany their owners at specific patios and beer gardens in the city.
On a different front, state officials have introduced a bill aimed at increasing protections for animals. The proposed legislation seeks to make it more challenging for people with animal abuse convictions to own, adopt, or foster pets. It’s a significant step towards ensuring the well-being of our furry friends!

Information about Worcester

Worcester, known as the “Heart of the Commonwealth,” is a vibrant city in Massachusetts with a rich history and a thriving cultural scene. As the second-largest city in the state, Worcester holds significant importance in the development of the United States.

Throughout its history, Worcester has been a hub of key events, including its role in the American Revolution and the abolitionist movement. It’s a city where you can step back in time and explore historical sites that played pivotal roles in shaping the nation.

Today, Worcester continues to shine with its world-class educational institutions, like Worcester Polytechnic Institute (WPI) and Clark University, attracting bright minds from all over.

Pet insurance discounts in Worcester

While searching for the perfect pet health insurance, you’ll find that each provider offers various discounts to make monthly premiums more budget-friendly. Check out this list of discounts worth exploring 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 Worcester?

In most cases, vets will accept pet insurance, but it’s a good idea to check with your provider to be sure. Some pet insurance companies even offer a convenient Vet Direct Pay option, where they directly pay the veterinarian. Just keep in mind that not all clinics may accept this payment model.

What is the cost of pet insurance in Worcester?

When it comes to pet insurance in Worcester, the cost varies depending on different factors like your pet’s type, breed, age, and medical history. On average, cat insurance hovers around $16.21, while dog insurance is about $34.87.

Am I required to have pet insurance in Worcester?

While Worcester pet owners aren’t obligated to get pet health insurance, having the coverage is highly recommended. It can be a lifesaver, saving you thousands of dollars in medical expenses for your furry friend. So, even though it’s not mandatory, consider the peace of mind and financial security it can bring to both you and your beloved pet.

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