Pet Insurance in Massachusetts

  • One Annual Deductible
  • Coverage for microchip Implantation
  • 30-Day Money-back guarantee (available if no covered claims have been filed, not available in NY)
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What is Pet Insurance for Dogs and Cats?

Pet insurance helps cover eligible vet bills due to unfortunate illnesses or accidents your pet may face. It works similarly to the insurance we get for ourselves and our families.

Pets have been with us for ages now, in both good and bad times. We wouldn’t want anything unfortunate to affect their health. But in case something happens, it becomes our duty to help ensure they get the best care and treatments.

Our pets can have an accident or get sick unexpectedly. The treatment costs can run up to hundreds and thousands of dollars. Compromising on our pet's care due to cost isn’t ideal, and this is where pet insurance can help. Pet insurance can help cover the eligible vet bills so you can worry less about the costs and more about the care. Know more about how does pet insurance work and what does pet insurance cover.

Why is pet insurance important in Massachusetts?

Pseudomonas

With over 2,200,000 swimming pools, MA is clearly a fan of swimming. With 50% of the residents owning a pet, it is the perfect combination as dogs love swimming. The only problem is ‘pseudomonas aeruginosa’. Found in swimming pools, this bacterium can enter the ears of dogs and can cause a severe infection of the ears, causing painful swelling. And if it enters the bloodstream, it can lead to respiratory failure, shock, and even death.

Read more

How Spot Plans Help Protect Your Pet

Infectious Diseases

Spot accident & illness plans cover illnesses resulting from infectious diseases your pet may catch.

With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:

(
$2,000
Vet Bill
-
$100
Deductible
)
X 90% Reimbursement Rate

Spot plan pays you back $1,710

You Pay $290

Ticks

There are many species of ticks in Massachusetts that can pose serious threats to our pets like the deer tick, brown dog tick, American dog tick, and the lone star tick. Some of these ticks are infected with pathogens and diseases that can spread to pets and humans by infecting the bloodstream. Our pets can pick up ticks by walking or rolling around in wooded areas and tall grasses, to name a few. Some symptoms of tick-borne diseases can include joint or muscle ache, fever, lethargy, and difficulty breathing. You should consult your vet immediately if your dog starts to show any symptoms.

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How Spot Plans Help Protect Your Pet

Diseases from Parasites

Spot accident & illness plans can cover eligible illnesses and diseases resulting from parasites.

With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:

(
$500
Vet Bill
-
$100
Deductible
)
X 90% Reimbursement Rate

Spot plan pays you back $360

You Pay $140

Cold Weather

Cold weather in Massachusetts can pose several threats to pets, particularly to those who are not acclimated to the colder climate or those with certain health conditions. Our pets can be at risk of developing hypothermia, frostbite, dehydration, and be exposed to harmful chemicals and salt used to melt snow or ice. If you suspect your pet is suffering from hypothermia or frostbite, seek veterinary care immediately.

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How Spot Plans Help Protect Your Pet

Hypothermia and Frostbite

Spot plans can cover hypothermia and frostbite that may happen to your pet in colder climates.

With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:

(
$2,000
Vet Bill
-
$100
Deductible
)
X 90% Reimbursement Rate

Spot plan pays you back $1,710

You Pay $290

Read more

Why Spot Plans?

We, at Spot, don’t believe in a transactional relationship, and like to develop a deeper connection with pet parents because we care about you and your pet. Spot plans offer paperless online claims and direct deposit payment options, preventive care coverage options for an extra cost, and a 30-day money-back guarantee if no claims have been filed (not available in NY), among many other benefits.

Affordable Plans for Cats & Dogs

Life is full of surprises. Spot helps pet parents plan for them with easy and simple pet insurance options that can be used at your licensed vet in the US or Canada.

Massachusetts Pet Insurance Information by City

Find city-specific information about Pet Insurance in the state of Massachusetts.

Boston, Massachusetts

Pet Insurance FAQs

Have questions about petinsurance and how it works? Let’s dig up an answer.

Which is the best pet insurance for dogs in Massachusetts?

We have provided you with a comparison chart to compare the benefits of Spot plans against other providers plans. This is because we know the state and we are confident in the plans we offer. Now, we leave the decision to you. Know more about how to choose the best pet insurance for your furry friend.

Is pet insurance in MA worth it?

Around 49% of the homes in MA own a pet. 29% own a dog, while 23.5% own a cat. These high numbers show how pet-loving this state is. For a pet-loving state, pet insurance is an important measure to help ensure your pet is cared for in the event of an unexpected accident or illness. Know more about is pet insurance worth it.

Does pet insurance in MA pay for everything?

Not exactly. When you need to visit the vet for a covered condition, you can submit a claim for reimbursement of the eligible expenses. You get to select your reimbursement percentage when you enroll in a plan provided by Spot. Once your deductible is met, you will be reimbursed for eligible expenses according to the reimbursement percentage you select.

How much does pet insurance in MA cost?

According to Spot internal data, pet insurance plans cost about $49 per month in Massachusetts.* Your premium price is determined by several factors including your pets age, breed, and where you live. Some other factors that impact your premium are the plan you choose, your deductible, your reimbursement percentage, and if you have included preventive care coverage or not. Click here to get a quote.

*Average cost is based on Spot internal data from June 2022 - January 2023 for active policies in the state of Massachusetts for Accident Only and Accident & Illness plans for cats and dogs. Advertised cost is rounded to the nearest whole USD.

Are pet insurance reviews in Massachusetts good?

If you check any rating websites for pet insurance in MA, you will usually find us among the top 3 spots. This is because we believe in Pet and Pet-parent first.

Do cats need to be insured?

Dental and urinary illnesses are very common among in-house cats. The younger kittens can be very accident-prone. Having cat insurance can keep you covered against the eligible expenses towards the care which otherwise could create a deep hole in your pockets.