Pets are family, which means they deserve the best medical care and health care. Unfortunately, vet visits add up quickly, especially when they are due to unexpected events and circumstances. To help cover the costs, you can invest in pet insurance for your furry friend.
To ensure that your insurance covers as much as possible, it’s essential to select the right pet insurance in Maine. Below, learn about the top picks and reviews of the available pet insurance policies in Maine this year.
A Quick Look at the Winners for 2024
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Best Overall
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Embrace |
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Most Customization
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Spot |
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Fetch Pet Insurance |
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Click to Get Quote |
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ASPCA Pet Health Insurance |
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Nationwide Pet Insurance |
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Click to Get Quote |
The 10 Best Pet Insurance Providers in Maine
1. Embrace Pet Insurance – Best Overall
Embrace Pet Insurance is the best overall pet insurance in Maine. It stands out because its deductible options are flexible. It has a total of five deductible levels, ensuring that you have a premium that matches your budget. Plus, your deductible will drop by $50 every year you don’t file a claim.
Embrace Pet Insurance covers both preventable and chronic illnesses. Most pet insurance policies do not offer both. You can even easily monitor your policies and reimbursements with the simple mobile app for download. This app offers a 24/7 pet helpline to get you the help you need, day or night.
As you might expect, all these benefits come with the prize, quite literally. The pricing of this provider is a bit more expensive than the competitors, and it caps the annual coverage. However, Embrace Pet Insurance ultimately is worth the price because of its fantastic coverage and offerings.
2. Spot Pet Insurance – Most Customization
Spot is a great contender for being one of the best pet insurance plans in Maine. Spot is fantastic because it offers a lot of customization, including six coverage limits, three reimbursement options, and four deductibles. You get to select which coverage is right for your pet and budget
The coverage plans offered include accident only, accident and illness, gold preventative care, and platinum preventative care. Select a plan that is right for you and your pet. Then, select the reimbursement options and deductibles that are right for your budget. For further value, all plans come with a 30-day money-back guarantee, as well as optional add-ons.
Even though spot offers a lot of customization and coverage, its customer service isn’t as fast as other plans. You have to wait two weeks for accident reimbursements to hit. There is also not an online chat feature for summer service, making it more difficult to get the help you need.
Despite the problems with customer service, Spot offers a lot of customization features that make it perfect for a wide range of pet owners.
3. Fetch by the Dodo
The Dodo has become one of the most popular animal resources online. They now offer a pet insurance policy called Fetch. The Fetch Pet Insurance plans are simple and easy to follow. It offers an accident and illness plan, as well as standard coverages.
One thing that makes Fetch’s plan unique is that it offers holistic coverage. You can get reimbursements for stem cell therapy, boarding, advertising for lost pets, acupuncture, and more. The main things that are excluded from this policy include cosmetic procedures, pre-existing conditions, and wellness care.
Because of the simplicity that comes with Fetch, this is a good option for individuals who don’t want to mess with different plans, deductibles, and customization. This plan will provide you with a simple, straightforward solution that is also comprehensive.
4. Nationwide Pet Insurance
Nationwide Pet Insurance is another notable pet insurance in Maine. This pet insurance plan company comes with four separate plans, including pet wellness, major medical, whole pet, and avian and exotic pet plan. Select a pet plan that is most suited for your pet and its needs. The limits of the plan will depend on the individual plan you select.
There are some downsides to Nationwide. For example, the enrollment age has a limit of 10 years. The good news is that plans do not automatically exclude some pre-existing conditions. Your pet may be eligible for coverage if the pet has been cured for about six months.
Overall, Nationwide Pet Insurance offers pet owners multiple plans to choose from. They also offer plans for exotic pets, which allows this pet insurance to stand out. Although there is an age limit, the company does not automatically exclude pre-existing conditions.
5. ASPCA Pet Health Insurance
ASPCA Pet Insurance is an option for individuals who need affordable coverage for their dog or cat. This coverage comes with a few plans to choose from to ensure you get the best coverage based on your needs. The complete coverage plan covers unexpected accidents and illnesses. There’s also preventative and routine care coverage that comes with wellness add-ons.
This Wellness add-on feature, as well as the prices, make ASPCA Pet Insurance a great option for new kitten or puppy owners. With reimbursement rates reaching 100%, you can also get your money’s worth with this program. Some other benefits include no maximum age limit, multi-pet discounts, and coverage for alternative therapies.
The only thing to keep in mind is that this provider does not cover any pets other than dogs or cats.
6. Prudent Pet Insurance
Prudent Pet Insurance offers a lot of customization and comprehensive coverage. It has an accident and illness plan, as well as an ultimate plan that provides unlimited coverage and bonus features. Its comprehensive benefits also cover lost pet replacement, vacation cancellation reimbursement, and other features not typically covered by insurance plans.
Furthermore, Prudent Pet Insurance offers accident-only and comprehensive coverage plans. Most companies force you to pick one or the other, but Prudent allows you to have both. You can also find policies that fit your budget. You get a 10% discount whenever you add additional pets, and you can adjust premium costs.
Although the cost is flexible, Prudent Pet Insurance is more expensive than many of the competitors. Additionally, coverage limits are not flexible. Even so, Prudent Pet Insurance is one of the best plans available because it offers customization and comprehensive coverage that you won’t get from many basic plans.
7. Hartville Pet Insurance
Hartville Pet Insurance is another affordable plan with comprehensive coverage. If you did not prefer our value pick, you may like Hartville Pet Insurance more. Hartville’s plans are more affordable on average than the competition.
All the while, this plan is comprehensive and easy to manage. You get to choose your own vet and select between three different coverage plans including complete coverage, accident only, and preventative care. There are also features that allow you to compare options to find the best one that is right for you.
The main downside of Hartville Pet Insurance is that it only covers dogs and cats. If you have an exotic pet, you will have to look elsewhere. Likewise, pre-existing conditions are not covered.
8. Pumpkin Pet Insurance
Pumpkin Pet Insurance is an option if you want your coverage to cover practically everything. Pumpkin Pet Insurance has great reimbursement policies, and even offers microchip implantation with just the standard policy. In fact, all policies come with 90% reimbursement rates. These facts make Pumpkin Pet Insurance a great value pick.
More so, Pumpkin Pet Insurance covers a variety of ailments, including accidents, illnesses, and more. Many treatments and procedures are covered, including alternative therapy and necessary dental treatments. In other words, the vast majority of treatments and offerings are covered by Pumpkin Pet Insurance.
Even though Pumpkin Pet Insurance offers everything, it is expensive, and some dog breeds warrant higher prices. Still, you get everything you could want and more from the coverage. Note that most pre-existing conditions are not covered, unless the condition and its symptoms have been cured for 180 days.
9. Healthy Paws
If you are looking for a simple plan that does not require a lot of opinions or selections, you may like Healthy Paws. Healthy Paws has one accident and illness plan. This plan offers coverage for medication, hospitalization, diagnostic care, emergency care, and more.
Some other benefits of Healthy Paws include a 30-day money-back guarantee, simple quote comparisons, and unrestricted coverage for certain congenital conditions.
Because this option only comes with one plan, Healthy Paws is not the option for individuals who want a lot of flexibility in coverage. You simply are not going to get that with this plan. Healthy Paws also does not offer wellness care, general vet visits, or elective procedures. Although this will be a downside for some, it may be perfect for you if you just want emergency visits cared for.
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10. Figo Pet Insurance
The last pet insurance policy to check out is Figo. Figo Pet Insurance offers accident and illness plans that you can easily manage with the Figo Pet Cloud app. This app allows you to manage veterinary appointments, download documents, access emergency care, and connect with other pet owners.
Figo Pet Insurance is awesome because it offers 100% reimbursement for illnesses and injuries. The plan even lacks upper age limits for older dogs and cats. The only age limit is that the animal must be over 8 weeks old. With three different plan options, Figo Pet Insurance is also highly customizable.
For the most part, Figo is affordable because it offers flexible deductibles, but it has a lower multi-pet discount than the competition, and pre-existing conditions are not covered. It also does not have as holistic of an approach to coverage in that it does not cover homeopathy, behavioral issues, or prescription foods.
Buyer’s Guide: Choosing the Best Pet Insurance Provider in Maine
What to Look for in Pet Insurance in Maine
When we were selecting pet insurance companies in Maine, there were a few factors we looked at, including policy coverage, customer service, claim of repayment, pricing policy, and plan customization. When it comes time to make your final decision about your pet insurance, make sure to keep these factors in mind.
Policy Coverage
Policy coverage refers to how many illnesses and treatments are covered by the plan. Most basic plans cover emergency illnesses and accidents, whereas others offer routine vet visits. Ideally, you want to have as much coverage as possible or as many coverage options as possible.
All the plans mentioned above have many options for policy coverage. Some are customizable in that they allow you to select which coverage plans are right for you. Others are comprehensive and include all the coverage in one plan.
Customer Service & Reputation
Whenever you file a claim for a vet visit, you will likely have to deal with customer support. You will also have to talk to customer support if you have any questions. As a result, the company you select must have great customer service and a good reputation to match. Great customer service will just make the process go smoother.
The insurance plans we mentioned above all have great customer service and reputation. Although the modes of customer service differ, all these companies are known for being helpful to their clients and getting back to you in a timely manner.
Claim Repayment
Pet insurance works typically through a reimbursement policy. You pay the vet bill, and then you file a claim for reimbursement. The plan you select must have easy and convenient claim repayment. You can learn about a company’s claim repayment process by paying attention to apps, customer service, and payment time frame.
The pet insurance policies above have convenient and easy claim repayment processes. All of them work on a reimbursement basis, allowing you to get paid back.
Price Of Policy
Pet insurance policies are paid for by the month or the year. You want the price of the policy to be worth the potential coverage. As a result, the price should be directly related to your individual pet, as well as the coverage you select.
Some of the policies above are more expensive than others, whereas others are highly affordable. This range in prices allows you to have some control over how much you pay based on your budget.
Plan Customization
Plan customization allows you to control exactly what illnesses and problems are covered. Through this customization, you can pay exactly as much as you want, and cover illnesses that are most pressing on your mind.
Not everyone wants planned customization, though. Planned customization makes you pick more and do more work in the research phase.
To ensure that all individuals have an option from the list above, some of our plans offer extreme customization, whereas others are simple and straightforward. Simply select a plan that offers a comfortable amount of customization.
FAQs: Pet Insurance In Maine
Do all pets need pet insurance?
Not all pets need pet insurance. After all, pet insurance only is needed in the case of emergencies. However, one in three household pets will get into an accident in their lifetime. Emergency care for pets is expensive. For this reason, getting pet insurance is a wise investment for all pets.
Which pets are covered by pet insurance?
The pet insurance policy you select will determine which pets are covered. Most pet insurance policies only cover dogs, puppies, cats, and kittens. Some specialized plans cover exotic pets or livestock.
How are pet insurance prices determined?
Pet insurance prices are determined by a number of factors. Firstly, the pet in question, its age, and its hereditary conditions will determine the price. For example, dogs are generally more expensive than cats. The amount of coverage and your deductible will also impact the final price.
What does ‘reimbursement rate’ mean?
Most pet insurance policies will reimburse you for expenses spent on your animal’s vet care. The reimbursement rate tells you how much the insurance company will cover eligible expenses. This amount is typically told in a percentage. For example, an 80% reimbursement rate means that the insurance policy will cover up to 80% of the expense.
Why doesn’t pet insurance cover pre-existing conditions?
Pre-existing conditions are those that occur before the insurance policy was purchased or the effective start date. Because the condition occurred before the policy started, the policy will not cover the condition.
What the Users Say
Users go crazy over all of the pet insurance policies mentioned above. In fact, all these plans and policies have above a four-star rating on practically every rating site you could look at. The reason for their high star rating varies, though.
Plans like Embrace, Prudent, and Spot are praised because of their extreme customization and flexibility. ASPCA, Nationwide, and Hartville Pet Insurance are all loved because of their affordable prices. Meanwhile, Fetch and the remaining plans are all great because they offer consistent coverage that is easy to use and reliable.
Which Pet Insurance Provider in Maine Is Best for You?
Selecting the right pet insurance provider in Maine for you can be difficult. There are many factors and plans to consider. Not to mention, there is not a one size fits all policy plan for all pet owners.
The first thing you should do to select a pet insurance provider for you is to think about your pet and select providers that cover your pet. If you have a dog or a cat, most pet insurance providers will have options for you. If you have an exotic pet, you will have to look more closely for specialized providers.
Once you find a provider that covers your pet, you then need to select a plan that offers the right coverage, customization, and prices based on your needs. These factors will be uniquely based on your situation and your pet. Your pet’s age and likely accidents should be factored into this decision.
Conclusion
Finally, you know all the most important information about selecting a pet insurance provider in Maine for your furry friend. Of these programs, Embrace Pet Insurance is our favorite. It will be a great option for most pet owners. No matter which option you select, keep the factors we mentioned above in mind so you select the best plan based on your pet’s needs and your budget.
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Featured Image Credit: Drazen Zigic, Shutterstock
