7 Best Pet Insurance Companies in Maine (2022) – MarketWatch

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Pet insurance could save you thousands of dollars on veterinary care costs for your furry friend and help you provide your pet with the lifesaving care it needs in the event of an accident or illness.
If you call the Pine Tree State home, you have no shortage of pet insurance companies to choose from. We at the Home Media reviews team have narrowed the list by researching the best pet insurance companies based on their customer service, coverage options and costs. Use our review of the top pet insurance companies in Maine to choose the best provider for your furry family member.
 
After thoroughly researching the Maine’s best pet insurance companies, we found these to be the top seven providers in the state:
Highlights:
Coverage: Spot has a few coverage options for pet owners to choose from. Here’s an overview of Spot’s plans:
Spot does not cover preexisting conditions, cosmetic or elective procedures, or breeding and pregnancy-related costs.
The sample quotes below are for 4-year-old, mixed-breed dogs and cats in Bangor, Maine, using a variety of coverage limits, deductibles and reimbursements:
Get a quote: To customize your Spot pet insurance policy, get a quote on Spot’s website.
To learn more: Spot pet insurance review
 
Highlights:
Coverage: Trupanion keeps it simple with one accident-and-illness plan. It reimburses you for procedures, emergency care, diagnostics and other treatments for your pet’s accidents and illnesses (such as broken bones, eye conditions and cancer).
Trupanion offers two optional add-ons. One is for alternative therapies, such as acupuncture. The other add-on plan covers the following:
Trupanion excludes exam fees, preexisting conditions, routine care costs, cosmetic or elective procedures, and breeding care from its coverage.
Here’s a sample range of quotes for 4-year-old dogs and cats in Bangor, Maine:
Get a quote: Fill out Trupanion’s form for a free quote on your policy.
To learn more: Trupanion pet insurance review
 
Highlights:
Coverage: Fetch has a single plan that covers procedures, treatments, X-rays, vet visit fees and other treatments for accidents and illnesses. Its coverage excludes elective and cosmetic procedures, breeding and pregnancy costs, preexisting conditions and routine care (such as checkups and vaccinations).
The plan also covers boarding costs when you’re hospitalized for longer than three days, vacation cancellation fees resulting from your pet’s covered accident or illness, and advertising and reward money for lost pets.
We obtained quotes from Trupanion for 4-year-old, mixed-breed dogs and cats in Bangor, Maine, with various coverage caps, deductibles and reimbursements:
Get a quote: Customize your Fetch plan and rates by getting a quote on Fetch’s website.
To learn more: Fetch pet insurance review
 
Highlights:
Coverage: Embrace’s accident-and-illness plan offers $5,000–$30,000 in annual benefits, which may apply to your pet’s vet bills for conditions such as hip dysplasia, cuts and dental trauma. It doesn’t apply to preexisting conditions, cosmetic or elective procedures or breeding or pregnancy costs, which are standard exclusions across the industry.
Embrace’s Wellness Rewards package offers coverage for your pet’s routine care, reimbursing you for costs related to vaccines, heartworm prevention and checkups. You can choose from three levels of coverage offering $250, $450 or $650 of annual benefits.=
Take a look at these sample pet insurance quotes from Embrace for 4-year-old, mixed-breed dogs and cats in Bangor, Maine, featuring various coverage caps, reimbursement levels and annual deductibles:
Get a quote: Fill out Embrace’s form for a free quote on your policy.
To learn more: Embrace pet insurance review
 
Highlights:
Coverage: Healthy Paws’ accident-and-illness plan provides unlimited coverage for your pet’s accidents and illnesses. Covered costs include specialist and emergency care, procedures, prescriptions and rehab. The plan doesn’t cover preexisting conditions, spaying or neutering, elective or cosmetic procedures, or routine care. It also excludes hip dysplasia for the first year of coverage.
The sample quotes below from Healthy Paws are for 4-year-old, mixed-breed dogs and cats in Bangor, Maine:
Get a quote: Fill out Healthy Paws’ online quote form to get a quick custom rate.
To learn more: Healthy Paws pet insurance review
 
Highlights:
Coverage: Figo offers three accident-and-illness coverage options. Each one covers diagnostics, procedures and additional treatments for covered injuries and illnesses. 
Here’s how each one breaks down:
You can also add vet exam fee coverage and routine care benefits to your Figo policy for an extra monthly cost.
We requested several sample quotes for 4-year-old, mixed-breed dogs and cats in Bangor, Maine, to give you an idea of what Figo’s plans cost:
Get a quote: Fill out a quick quote request for Figo.
 
Highlights:
Coverage: Prudent Pet has one accident-only plan and two accident-and-illness plans. The Accident Only plan covers injuries such as cuts and fractures. The Essential plan offers $10,000 of annual coverage for accidents — such as swallowed objects and tooth injuries — and illnesses like hip dysplasia and skin conditions. The Ultimate plan provides unlimited coverage for the accidents and illnesses mentioned above and adds the following:
You can also purchase vet exam coverage and up to $460 of routine care benefits for vaccines and other wellness costs.
We obtained quotes from Prudent Pet for 4-year-old, mixed breed dogs and cats in Bangor, Maine, to give you an idea of the cost of coverage:
Get a quote: Fill out a quick quote form for Prudent Pet to see your coverage options.
To learn more: Prudent Pet insurance review
 
Providers can offer three types of pet insurance plans:
 
Follow these steps to choose the right pet health insurance company:
 
This review has several top-tier providers, and one could be a better fit for you than another based on your needs and preferences. 
Overall, we recommend Spot as the top pet insurance company in Maine. Its flexible range of coverage options, affordability and mobile app make it a solid choice. Before you lock into a policy with Spot or any other company, take the time to compare quotes from three or more providers.
Provider
Get Your Quote
Our Score
Monthly Cost*
Waiting Periods
Multi-pet Discount
Mobile App
Spot
Visit Spot
89
$50.27
14 days for all conditions
10%
✔
Trupanion
Visit Trupanion
78.5
$59.91
5 days for accidents; 30 days for illnesses
None
✔
Fetch
Visit Fetch
89.5
$40. 79
15 days for all conditions
None
✔
Embrace
Visit Embrace
90.5
$49.08
2 days for accidents; 14 days for illnesses

10%
✔
Healthy Paws
Visit Healthy Paws
84
$51.75
15 days for accidents and illnesses
None
✔
Figo
Visit Figo
90
$21.74
Varies by ZIP code
5%–10%
✔
Prudent Pet
Visit Prudent Pet
90.5
$36.74
5 days for accidents; 15 days for illnesses
10%
✔
*We obtained the sample premiums above for an accident-and-illness policy for a 4-year-old, medium-sized, mixed-breed dog in Bangor, Maine. Pricing may vary based on your pet’s age, breed and location, so we recommend getting quotes directly from companies for the most accurate cost information.
 
Pet health care plans can be worth it if you need help paying for a pet emergency. When we surveyed 1,000 pet parents, more than 42% said they’d have to resort to using a credit card or taking out a personal loan to pay an emergency vet bill. Pet insurance could cover a large portion of the cost.
Pet insurance does not cover spaying or neutering. It also excludes treatments and services related to your pet’s pregnancy and breeding.
You can get pet insurance after your pet has been diagnosed with a condition. However, in most cases, your pet insurance policy will not cover the preexisting condition. Preexisting conditions are those that are present before you enroll your pet in coverage or that occur during the waiting period.
Pet insurance companies have waiting periods between the time you purchase a policy and the time you can file a claim. On average, waiting periods last 14 days for illnesses, with some having a shorter waiting period for accidents. You may also encounter longer waiting periods for hip dysplasia, ranging from six months to a year.
 
Our review of pet insurance companies is based on in-depth industry research that includes reading hundreds of customer reviews, simulating the quote and purchasing process, speaking to representatives on the phone to assess the customer service experience and surveying 1,000 dog and cat owners nationwide to determine the most important elements of pet insurance coverage. We have scored each provider on a 100-point scale based on those elements.
Here are more details about each factor and how they’re weighted:
We use our rating system to compare and contrast each company against key factors to help us determine the best pet insurance companies in the industry. Additionally, we keep our research up to date and revisit our reviews on a regular basis.
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