5 Greatest Pet Insurance coverage Firms in Maine (2021)

Pet insurance coverage will help present your pet with the healthcare it wants throughout an emergency and defend your pockets from costly vet payments. From Brunswick to Bangor, pet house owners in Maine have entry to 5 wonderful selections for pet insurance coverage corporations. That can assist you slim down the very best pet insurance coverage suppliers in Maine, the This Outdated Home Critiques Workforce has completely vetted pet insurance coverage suppliers, surveying prospects, analyzing protection choices, and evaluating quotes.

Learn on to study what charges and protection you may anticipate from Maine’s prime pet insurance coverage corporations, with pattern quotes for 4-year-old canines and cats in Augusta, Maine.

Maine’s High 5 Pet Insurance coverage Suppliers

  • Prudent Pet: Most Complete Plan
  • Wholesome Paws: Greatest Protection Restrict
  • Embrace: Greatest Deductibles
  • Petplan: Greatest Holistic Protection
  • Spot: Most Customizable Plans

Prudent Pet

Prudent Pet is very rated for its complete protection choices. Along with providing an accident and sickness plan, Prudent Pet has an Final Plan, which offers limitless annual protection and bonus options similar to kennel charge compensation, mortality advantages for cremation or burial prices, and boarding charge protection if you happen to’re hospitalized for greater than 4 days and may’t maintain your pet.

  • Our rating: 95
  • Affords complete advantages, together with lost-pet alternative protection and trip cancellation reimbursements, which aren’t included in most pet insurance coverage
  • Features a dwell on-line chat function for twenty-four/7 assist
  • Options each accident-only and complete protection, whereas some corporations present just one plan

Prudent Pet Execs and Cons

✔ Extends a ten% low cost whenever you add further pets to a coverage

✔ Lets you alter premium prices by selecting from quite a lot of deductibles and reimbursement ranges

✔ Offers accident-only protection, an reasonably priced possibility for pet house owners on a tighter funds

✘ The Important and Final Plans are costlier than comparable plans from different suppliers

✘ Protection limits can’t be adjusted, leading to restricted flexibility

Prudent Pet Plans and Protection

Prudent Pet provides three plans, with some optionally available add-ons:

  • Accident-Solely Plan: Prudent Pet’s least costly plan covers your canine or cat whether it is by chance injured, offering as much as $10,000 of protection yearly. These advantages may be utilized to hospitalizations, drugs, operations, diagnostic exams, emergency vet visits, and prescribed different remedies.
  • Important Plan: Prudent Pet’s Important Plan provides accident and sickness protection with a $10,000 annual restrict. Along with the protection provided by the Accident-Solely Plan, the Important Plan helps therapy for hereditary and congenital circumstances, most cancers, normal illness, hip dysplasia, ear, eye, and pores and skin circumstances, and behavioral points.
  • Final Plan: The Final Plan options the identical coverages because the Important Plan, nevertheless it comes with no annual protection caps. It additionally provides reimbursement for kennel and boarding charges, lost-pet promoting and reward prices, mortality bills for a burial or cremation, and trip cancellation charges attributable to a sick or injured pet.

Along with these three plans, Prudent Pet provides add-ons for wellness care and veterinary exams. Wellness add-ons vary from roughly $11.95– $29.95 per 30 days, and veterinary examination protection may be added for just some further {dollars} per 30 days.

Prudent Pet Pet Insurance coverage Price

Primarily based on our analysis, accident and sickness plans from Prudent Pet fall between $20.61 and $81.86 per 30 days for canines and $11.24 and $44.63 per 30 days for cats.

Get Quote: Examine Charges with Prudent Pet

Be taught Extra: Prudent Pet Pet Insurance coverage Evaluation


Wholesome Paws

Whereas Wholesome Paws’ protection is much less complete than Prudent Pet’s Final Plan, missing wellness and examination add-ons and excluding behavioral remedies and pre-existing circumstances, its customary accident and sickness plan comes with limitless protection.

  • Our rating: 93.5
  • No per-incident, annual, or lifetime protection caps, so that you by no means exceed your plan’s advantages
  • Affords aggressive costs for limitless protection
  • Insurance policies are underwritten by Chubb, a extremely respected insurance coverage group

Wholesome Paws Execs and Cons

✔ Grants a 30-day money-back assure

✔ Affords unrestricted protection for congenital circumstances, a function not provided by many suppliers

✔ Contains a easy quote comparability device that features different pet insurance coverage suppliers’ quotes in case your quote from Wholesome Paws is just too excessive

✘ Has fewer deductible and reimbursement choices than some rivals

✘ Affords just one plan, whereas different suppliers on this assessment provide a number of ranges of protection

Wholesome Paws Plans and Protection

Wholesome Paws provides a single accident and sickness plan, which offers limitless protection for:

  • Drugs
  • Surgical procedures
  • Hospitalizations
  • Diagnostics
  • Emergency care
  • Bloodwork

Some lined circumstances embody damaged bones, normal sickness, hereditary and congenital circumstances, most cancers, and persistent sickness.

Wholesome Paws doesn’t cowl wellness care, elective procedures, or normal vet go to charges. It additionally has a 12-month ready interval for hip dysplasia, which some suppliers cowl after six months.

Wholesome Paws Pet Insurance coverage Price

Our analysis signifies {that a} Wholesome Paws accident and sickness plan in Maine prices a mean of $29.87–$39.57 per 30 days for a canine and $14.23–$18.85 per 30 days for a cat.

Get Quote: Examine Charges with Wholesome Paws

Be taught Extra: Wholesome Paws Pet Insurance coverage Evaluation


Embrace

Embrace stands out within the pet insurance coverage trade for its versatile deductible choices. Whereas some suppliers provide one or two deductible ranges, Embrace has 5, permitting you to decrease your premium by selecting a better deductible. With the complementary Wholesome Pet Deductible profit, your deductible drops by $50 every year you don’t file a declare.

  • Our rating: 93.5
  • Permits pet house owners to select from a variety of deductible choices to suit their funds
  • Contains preventable and persistent sicknesses in protection, which are sometimes excluded by different suppliers

Embrace Execs and Cons

✔ Has a easy cellular app with downloadable coverage paperwork and a 24/7 Pet Assist Line

✔ Affords three ranges of wellness rewards

✔ Covers remedies typically excluded by different suppliers, similar to acupuncture and hydrotherapy

✘ Wellness plan pricing is much less aggressive than another choices on this checklist

✘ Caps annual protection at $30,000, whereas some suppliers provide greater quantities or limitless protection

Embrace Plans and Protection

Embrace’s accident and sickness plan covers a variety of circumstances, similar to:

  • Dental trauma
  • Most cancers remedies
  • Congenital circumstances
  • Power sicknesses, together with allergic reactions
  • Genetic circumstances, similar to hip dysplasia

Embrace reimburses prospects for prescriptions, procedures, remedies, emergency care, vet and specialist consultations, diagnostics, and hospitalization. It additionally consists of vet charges, bodily remedy, and different remedies like acupuncture, which aren’t all the time lined by chance and sickness plans.

Moreover, Embrace provides Wellness Rewards for Routine Care, a versatile advantages package deal that gives $250–$650 of preventative protection, reimbursing you for 100% of routine care prices as much as your chosen annual most.

Embrace Pet Insurance coverage Price

Primarily based on our thorough analysis of pet insurance coverage prices in Maine, the common pet plan from Embrace is $15.46–$60.06 per 30 days for canines and $9.09–$35.31 per 30 days for cats.

Get Quote: Examine Charges with Embrace

Be taught Extra: Embrace Pet Insurance coverage Evaluation


Petplan

Petplan earns a spot as one in every of our greatest pet insurance coverage suppliers in Maine for its holistic protection. It consists of reimbursements for remedies like homeotherapy and stem cell remedy, which are sometimes excluded from accident and sickness plans.

  • Our rating: 91.5
  • Affords as much as $1,000 for behavioral remedies, that are sometimes excluded from accident and sickness plans
  • Contains reimbursements for trip cancellation charges, boarding, and promoting and rewards for misplaced pets
  • Has no higher age limits for older pets, whereas many suppliers have breed-specific or normal cut-offs

Petplan Execs and Cons

✔ Contains a dwell buyer chat service on its web site

✔ Covers as much as $1,000 of telehealth visits with any licensed vet

✔ Helps you to select the deductible, reimbursement, and annual cap, with a vast payout possibility

✘ Doesn’t have a wellness add-on, whereas many rivals do

✘ Fails to supply a multi-pet low cost

Petplan Plans and Protection

Petplan provides a single accident and sickness plan, with no routine care add-ons or wellness advantages. Along with customary coverages like emergency care, hospitalization, consultations, procedures, diagnostics, and prescriptions, Petplan covers:

  • Acupuncture
  • Chiropractic therapy
  • Complete dental look after all enamel
  • Hydrotherapy
  • Homeotherapy
  • Stem cell remedy
  • Behavioral remedy as much as $1,000

Moreover, Petplan covers trip cancellation charges attributable to a lined pet emergency, boarding charges in case you are hospitalized for 4 days or longer and may’t maintain your pet, and lacking pet commercials and reward cash.

A Petplan coverage excludes beauty and elective procedures, wellness care, and pre-existing circumstances, that are circumstances current earlier than the beginning of your plan.

Petplan Pet Insurance coverage Price

Primarily based on our analysis, the common pet insurance coverage plan from Petplan falls between $36.14 and $118.51 per 30 days for a canine and between $20.16 and $55.01 per 30 days for a cat.

Get Quote: Examine Charges with Petplan

Be taught Extra: Petplan Pet Insurance coverage Evaluation


Spot

Spot makes our checklist as one of many prime pet insurance coverage corporations in Maine for its customizable protection choices. With Spot, you may select from six protection limits, 4 deductibles, and three reimbursement choices, permitting you to tailor your protection and premiums to your wants.

  • Our rating: 91
  • Affords each accident-only and accident and sickness plans
  • Extends protection to hereditary circumstances, behavioral points, different therapies, and persistent circumstances
  • Has a number of the least expensive charges within the trade if you happen to go for decrease protection limits and better deductibles

Spot Execs and Cons

✔ Covers microchip implantation, which some carriers exclude

✔ Affords a 30-day money-back assure

✔ Has optionally available wellness care add-ons that will help you pay in your pet’s routine care

✘ Doesn’t provide an internet chat function

✘ Has a 14-day ready interval for accidents, whereas some suppliers have solely a two-day ready interval

Spot Plans and Protection

Spot provides an accident-only plan, an accident and sickness plan, and two preventative care add-ons, detailed under:

  • Accident-Solely Plan: Spot’s accident-only plan covers remedies, hospitalization, procedures, drugs, and veterinary care associated to accidents.
  • Accident and Sickness Plan: This plan extends the protection above to incorporate dental ailments, behavioral points, hereditary circumstances, and different sicknesses.
  • Gold Preventative Care Plan: Spot’s primary preventative add-on reimburses you for routine care prices similar to dental cleanings and wellness exams, providing a complete good thing about $250 per 12 months.
  • Platinum Preventative Care Plan: The Platinum plan reimburses prospects for extra providers, together with blood exams, and will increase advantages to $450 per 12 months.

Spot Pet Insurance coverage Price

An accident and sickness plan in Maine will price round $11.11–$85.44 per 30 days for a canine and $5.60–$47.56 per 30 days for a cat, relying on what protection cap, deductible, and reimbursement quantity you select.

Get Quote: Examine Charges with Spot

Be taught Extra: Spot Pet Insurance coverage Evaluation


How A lot Is Pet Insurance coverage in Maine?

Primarily based on our analysis, pet insurance coverage in Maine sometimes prices between $11 and $119 per 30 days for canines and between $6 and $48 per 30 days for cats. Your charges can range relying on the next components:

  • Age: With each passing 12 months, your pet’s threat of harm or sickness will increase, which ends up in heightened premiums. The sooner you buy a pet medical health insurance plan, the higher charges you’ll safe.
  • Species: As a result of canines are extra prone to circumstances like hip dysplasia, pet insurance coverage for canines can typically be significantly costlier than pet insurance coverage for cats.
  • Breed: Your pet’s breed can result in greater charges. For instance, boxers are at a better threat of some forms of most cancers, similar to lymphoma, mind tumors, and mast cell tumors.
  • Location: Pet house owners dwelling in metropolitan areas typically expertise greater pet insurance coverage charges as a result of veterinary prices are sometimes costlier in cities than in rural cities.
  • Customization: The deductible, reimbursement charge, and protection restrict you choose can drastically change your charges. For reference, our quote from Prudent Pet for a medium mixed-breed 4-year-old canine in Augusta, Maine, with a $10,000 annual restrict, 70% reimbursement charge, and $1,000 annual deductible is $22.90 per 30 days. The pattern charge for a similar canine with a vast annual profit, 90% reimbursement charge, and $100 annual deductible is $120.29 per 30 days.
  • Reductions: You possibly can decrease your pet insurance coverage premiums with reductions, that are provided by many pet suppliers. Pet insurance coverage corporations generally provide multi-pet reductions, with some providing further promotions. For example, Petplan has reductions for shelter and rescue adopters, veterans and army members, service animal house owners, and extra.

Continuously Requested Questions About Pet Insurance coverage in ME

What’s the most affordable pet insurance coverage in Maine?

After evaluating quite a few pet insurance coverage quotes, we discovered that Spot provides probably the most affordable pet insurance coverage charges in Maine, permitting you to tweak your deductible, protection limits, and reimbursement stage to lock in a low price. One of the simplest ways to save lots of on pet insurance coverage is to match quotes from all the prime pet suppliers in your ZIP code.

Is treatment lined by pet insurance coverage?

Medicine is often lined by pet insurance coverage whether it is prescribed by a licensed veterinarian to deal with a lined accident or sickness. Most pet insurance coverage corporations don’t approve claims for preventative drugs like flea and tick therapy except you may have a wellness care add-on.

Is there a ready interval for pet insurance coverage?

Each pet insurance coverage firm enforces a ready interval, which is a set period of time from the date you buy your coverage till the protection takes impact. Most pet insurance coverage corporations have a 14- or 15-day ready interval for accidents and sicknesses, whereas some corporations have a shorter two-day ready interval for accidents.

Is pet insurance coverage price it?

In our survey of 1,000 pet house owners, 43% of contributors acknowledged they must pay for a vet emergency invoice with a bank card or a private mortgage. On the very least, a pet insurance coverage coverage grants you peace of thoughts. On the most, it might prevent 1000’s of {dollars} and guarantee your four-legged member of the family will get the very important care it wants within the occasion of an accident or sickness.

Our Conclusion

Total, Prudent Pet is our prime suggestion to pet mother and father in Maine for its reasonably priced complete protection. Nonetheless, Wholesome Paws is a wise choose if you happen to’re in search of limitless protection with aggressive charges. To decide on the very best pet insurance coverage firm, it’s vital to think about your canine or cat’s particular person protection wants and examine quotes from a handful of suppliers in your state.

Examine Maine’s Greatest Pet Insurance coverage Firms

Supplier Our Ranking Month-to-month Pricing* Wellness Add-on
Supplier Our Ranking Month-to-month Pricing* Wellness Add-on
Prudent Pet 95 $46.14
Wholesome Paws 93.5 $39.57
Embrace 93.5 $34.31
Petplan 91.5 $48.49
Spot 91 $31.15

*Primarily based on pattern quotes for a blended 4-year-old canine in Augusta, Maine.

Our Ranking Methodology

The This Outdated Home Critiques Workforce is devoted to thorough, in-depth critiques of every services or products that we element in our content material. Decided to construct belief with our readers by transparency, accuracy, and accountability, we’ve constructed an in depth score system to attain pet insurance coverage manufacturers. Included on this methodology are the next six components with their respective scoring weights:

  • Protection (25)
  • Plan choices (20)
  • Month-to-month price (20)
  • Firm fame (15)
  • Customer support (10)
  • Species eligibility (10)

Our researchers preserve all information in every firm’s rating updated, making any modifications to our content material when essential to offer our readers with probably the most correct info on related metrics, similar to plan choices, customer support, fame, and month-to-month price.

To share suggestions or ask a query about this text, ship a observe to our Critiques group at critiques@thisoldhousereviews.com.

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