As pet owners or really, pet parents, you may wonder, is pet insurance worth it? Pet health insurance is protection for both your wallet and your pet baby in the event of an expensive emergency care visit or cancer treatments.Vet bills can be expensive, and with veterinary care costs on the rise in the United States, no pet parent wants to be placed with the predicament of not being able to pay for the health care their pet needs.When you’re looking for a pet insurance policy, it’s wise to compare several insurance providers and their insurance coverage options to determine the best fit for your family.Pet insurance companies often differ in the coverage and rates they offer based on the policy terms you choose, so it’s important to make sure that the provider you ultimately choose both suits your budget and can cover your pet when they need it most.Taking into consideration the costs, coverage, annual deductible, payouts, claims process, and reputation of each, we’ve chosen the best five companies that offer pet insurance in Massachusetts.Getting a pet insurance quote is a similar process to get a quote for auto insurance or life insurance.The one main difference deals with payments.Unlike human health insurance, you will pay the vet bill upfront and then wait to be reimbursed by your pet insurance provider.There are many pet insurance companies to choose from including Nationwide, Trupanion, Healthy Paws, and PetsBest to name a few.

We’ve analyzed over 30 different companies, but narrowed down.Here are the 5 best companies that provide pet insurance in MA:Healthy PawsBCBSEmbraceASPCALiberty MutualHealthy Paws Pet InsuranceWith a rating of A+ from the Better Business Bureau and minimal complaints filed against it, Healthy Paws has a proven track record of customer satisfaction.The company offers just one plan, keeping things simple, but it’s comprehensive enough to provide ample coverage for your pet.Dogs and cats aged eight weeks to 14 years old are eligible for Healthy Paws insurance.They have the standard waiting period of 15 days before insurance coverage begins, and covers a long list of conditions, including x-rays, congenital conditions, and hereditary conditions like hip dysplasia.Healthy Paws offers one plan, but it does not include preventive care or wellness care coverage, like spay and neuter costs or teeth cleanings.Minimum monthly premiums are well below the national average insurance rate of $44.66 for dogs and $27.93 for cats, and the company promises a two-week turnaround time on claims.Monthly CostsStarts at $32.83 for dogs and $17.19 for catsCoverage70 to 90 percent reimbursement after deductible, depending on the planPayout LimitsUnlimitedDeductibleRanges from $100 to $500 annually depending on the planFetch Rates Now! Blue Cross Blue Shield Pet InsuranceBlue Cross Blue Shield Pet Insurance, in partnership with PetPlan, is administered by Fetch Incorporated, which has an A+ rating from the BBB and has received very few complaints within the last three years.The company’s plan is comprehensive and covers dogs and cats aged six weeks and older.Starting rates are considerably lower than the U.S.average.To prevent headaches, Blue Cross Blue Shield offers its customers several ways to submit claims, including an online portal and mobile app.The company brings its vast experience over other types of insurance to bear in its pet products.Monthly CostsStarts at $29.16 for dogs and $18.19 for catsCoverage70 to 90 percent reimbursement after deductible, depending on the planPayout Limits$2,500 to unlimited, depending on the planDeductibleRanges from $250 to $1,000 annually, depending on the planFetch Rates Now! Embrace Pet InsuranceEmbrace has an A+ BBB rating and a below-average number of complaints indicate the level of satisfaction among its current and past customers.The company offers rates that are among the lowest in the industry and covers a wide range of conditions and treatments for both dogs and cats, including expensive visits to an animal hospital.If you enroll your pet before the age of 14, they have coverage for life.In addition to its comprehensive plans, Embrace offers customers the option to purchase a supplemental wellness plan to cover routine care such as check-ups and vaccinations.Monthly CostsStarts at $13.04 for dogs and $8.98 for catsCoverageRanges from 70 to 90 percent after deductible, depending on the planPayout LimitsCoverage caps range between $500 and $30,000 online or unlimited via phone enrollment annuallyDeductibleRanges from $200 and $1,000 annually, depending on the planFetch Rates Now! ASPCA Pet InsuranceASPCA pet insurance, administered by Crum + Forster, has an A+ rating from the BBB with a below-average number of complaints over the past three years.The company insures dogs and cats starting at eight weeks old and has no upper age limitations.The list of conditions covered by ASCPA’s plans is vast, the rates are competitive, and the minimum prices are below the national monthly average, according to the company’s online quote calculator.Claims can be submitted in several ways, including a convenient mobile app, and are paid out within 30 days of submission.Monthly CostsA mixed breed dog or pure-bred cat can get coverage for as low as $23.39.Coverage70, 80, or 90 percent, depending on the planPayout LimitsRanges from $5,000 to unlimited, depending on the planDeductible$100, $250, or $500, depending on the planFetch Rates Now! Liberty Mutual Pet InsuranceLiberty Mutual has partnered with Hartville to offer pet insurance plans that are comprehensive and affordable.Dogs aged eight weeks to 12 years and cats aged eight weeks to 14 years are eligible for coverage.Liberty Mutual offers a variety of plan options, including accident-only insurance and supplemental preventative care coverage.Minimum premiums are far below the national average, and claims can be submitted in a variety of ways, including the company’s online portal.Both Liberty Mutual and Hartville have A+ ratings with the BBB.Monthly CostsStarts at $12.28 for dogs and $9.83 for catsCoverage70 to 90 percent reimbursement, depending on the planPayout Limits$2,500 to unlimited, depending on the planDeductible$100 to $500 annually, depending on the planWhen buying any type of insurance coverage, it is always a great idea to get at least three quotes from different insurance providers, making sure you find the best cost and coverage.Now, having the understanding that pet insurance can vary by location, age, breed, health condition, and more, you should be able to successfully find the best pet insurance in Massachusetts to suit the needs of your pet, as well as your budget.CaliforniaSan DiegoConnecticutColoradoHawaiiIdahoMaineMassachusettsMichiganMinnesotaNew HampshireNew YorkNew JerseyNorth Carolina OhioOregonPennsylvaniaRhode IslandSeattleTexasUtahWashington State*While we make every effort to keep our site updated, please be aware that "timely" information on this page, such as quote estimates, or pertinent details about companies, may only be accurate as of its last edit day.

Huntley Wealth & Insurance Services and its representatives do not give legal or tax advice.Please consult your own legal or tax adviser.