Best Pet Insurance Companies & Plans
in Vermont

Explore carefully selected, top-rated pet insurance providers in VT, delivering budget-friendly plans with comprehensive coverage for your cherished furry friends.

Embrace pet insurance review
star reviews 4.5

Overall Rating 4.6 / 5

Embrace Pet Health Insurance

Embrace Pet Health Insurance shines in Vermont with its vast array of coverage options tailored to the individual needs of dogs and cats. They offer specialized plans such as Wellness Rewards and policies explicitly crafted for senior pets. What sets Embrace apart is its commitment to customizable insurance policies, empowering pet owners in Vermont to choose deductibles, reimbursement rates, and coverage limits that align with their unique preferences and financial situations.

  • Average monthly cost for dogs – $35
  • Average monthly cost for cats – $18
  • Maximum annual coverage – Unlimited
  • Deductible – $100 to $1,000
  • Max age limit – 14 years

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Spot pet insurance review
star reviews 4.5

Overall Rating 4.5 / 5

Spot Pet Health Insurance

Spot Pet Health Insurance garners a remarkable 4.5-star rating in Vermont for its extensive pet insurance offerings tailored for dogs and cats. Their plans cover accidents, illnesses, and preventive care, providing comprehensive protection. Spot stands out with its flexible insurance options, allowing pet owners in Vermont to choose from a range of deductibles, coverage limits, and reimbursement options, all while including alternative therapies in their inclusive coverage.

  • Average monthly cost for dogs – $54
  • Average monthly cost for cats – $23
  • Maximum annual coverage – Unlimited
  • Deductible – $100, $250, $500, $750, and $1,000
  • Max age limit – No limit

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FIGO Pet Insurance Review
star reviews 4.5

Overall Rating 4.5 / 5

FIGO Pet Health Insurance

FIGO Pet Health Insurance has quickly become a preferred choice in Vermont, boasting a 4.5-star rating for its progressive approach to pet insurance. Offering Vermont pet owners three levels of coverage tailored to protect against accidents and illnesses, FIGO leverages state-of-the-art technology to enhance the customer experience. The Figo Pet Cloud app simplifies policy management and claims, making it convenient for residents from Burlington to Montpelier to ensure their pets receive the best care.

  • Average monthly cost for dogs – $29
  • Average monthly cost for cats – $17
  • Maximum annual coverage – $5,000 to unlimited
  • Deductible – $100 to $750
  • Max age limit – No limit

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Fetch pet-insurance review
four star review

Overall Rating 4.4 / 5

Fetch Pet Health Insurance

Fetch Pet Health Insurance is celebrated across Vermont with a 4.4-star rating, providing broad and adaptable coverage for dogs and cats. Vermont’s pet guardians value Fetch for its comprehensive policies that cover everything from accidents to holistic care, allowing for customized plans that cater to the unique needs of pets throughout the Green Mountain State. Fetch’s nationwide vet acceptance and coverage for advanced treatments make it a top choice for pet owners from Stowe to Brattleboro.

  • Average monthly cost for dogs – $35
  • Average monthly cost for cats – $20
  • Maximum annual coverage – $15,000
  • Deductible – $250 to $500
  • Max age limit – No limit

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Pets Best Pet Health Insurance
star reviews 4.5

Overall Rating 4.3 / 5

Pets Best Pet Health Insurance

Pets Best Pet Health Insurance enjoys a 4.3-star reputation in Vermont for its economical and flexible pet insurance solutions. Highlighting senior-friendly plans and a wide selection of deductible, reimbursement, and coverage choices, Pets Best empowers pet parents in Vermont cities like Rutland and Bennington to personalize their pet insurance, ensuring tailored and affordable care.

  • Average monthly cost for dogs – $30
  • Average monthly cost for cats – $28
  • Maximum annual coverage – $2,500, $5,000, $10,000 or unlimited
  • Deductible – $50 to $1,000
  • Max age limit – No limit

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Trupanion Pet Insurance Review
star reviews 4.5

Overall Rating 4.3 / 5

Trupanion Pet Health Insurance

Trupanion Pet Health Insurance stands out in Vermont with a 4.3-star rating, offering unique insurance solutions that include direct vet payments without claim restrictions. This extensive coverage is a boon for pet owners across Vermont, from the shores of Lake Champlain to the rolling hills of the Northeast Kingdom, especially for those managing pets with chronic conditions.

  • Average monthly cost for dogs – $70
  • Average monthly cost for cats – $40
  • Maximum annual coverage – Unlimited
  • Deductible – $0 to $1,000
  • Max age limit – 14 years

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Pumpkin Pet Insurance
star reviews 4.5

Overall Rating 4.2 / 5

Pumpkin Pet Health Insurance

Pumpkin Pet Health Insurance, with its 4.2-star rating, is known for providing Vermont pet owners with comprehensive insurance plans that include coverage for dental, behavioral, and hereditary conditions. Pumpkin’s inclusive policies, which also cover alternative therapies, offer peace of mind to pet owners throughout Vermont, ensuring their furry family members have access to a wide range of health services.

  • Average monthly cost for dogs – $109
  • Average monthly cost for cats – $61
  • Maximum annual coverage – Unlimited
  • Deductible – $100, $250, $500, or $1,000
  • Max age limit – No limit

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Healthy Paws pet insurance review
star reviews 4.5

Overall Rating 4.2 / 5

Healthy Paws Pet Health Insurance

Healthy Paws Pet Health Insurance is lauded in Vermont for its transparent, cost-effective coverage, evidenced by a 4.2-star rating. This straightforward approach, free from annual or lifetime limits, is especially valued by Vermont pet owners, from Burlington’s bustling streets to the serene landscapes of the Mad River Valley, who seek uncomplicated and reliable pet insurance.

  • Average monthly cost for dogs – $72
  • Average monthly cost for cats – $36
  • Maximum annual coverage – $5,000
  • Deductible – $250 or $500 (under 6 years)
    $500-$1,000 (6 years and older)
  • Max age limit – No limit

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ASPCA Pet Insurance Review
four star review

Overall Rating 4.0 / 5

ASPCA Pet Health Insurance

ASPCA Pet Health Insurance, with a 4.0-star rating, provides Vermont pets with specialized insurance solutions that cover accidents, illnesses, and genetic conditions. Including coverage for vet exams and microchipping, along with flexible deductibles and coverage options, ensures comprehensive care for pets across Vermont, from Woodstock to Middlebury.

  • Average monthly cost for dogs – $36
  • Average monthly cost for cats – $16
  • Maximum annual coverage – $10,000
  • Deductible – $100 to $500
  • Max age limit – No limit

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Metlife Pet Insurance
four star review

Overall Rating 4.0 / 5

Metlife Pet Health Insurance

MetLife Pet Health Insurance, securing a 4.0-star rating, offers comprehensive and adaptable insurance options for dogs and cats in Vermont. Its broad coverage, including for chronic and hereditary conditions, positions MetLife as a competitive option for Vermont pet owners, ensuring pets from the Champlain Valley to the Green Mountains are well-protected.

  • Average monthly cost for dogs – Β $30
  • Average monthly cost for cats – $17
  • Maximum annual coverage – $10,000
  • Deductible – $50 to $2,500
  • Max age limit – No limit

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WAGMO pet insurance review
four star review

Overall Rating 3.9 / 5

Wagmo Pet Health Insurance

Wagmo Pet Health Insurance, rated at 3.9 stars, introduces a blend of traditional coverage and wellness plans to Vermont, emphasizing the importance of preventive care. Its flexible policies cater to the diverse needs of Vermont pets and their owners, enhancing the health and well-being of pets across the state, from the ski slopes of Killington to the historic streets of Montpelier.

  • Average monthly cost for dogs – $49
  • Average monthly cost for cats – $28
  • Maximum annual coverage – up to $20,000*
  • Deductible – $250, $500, $1,000
  • Max age limit – No limit

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Prudent Pet Insurance Review
three and half starts

Overall Rating 3.8 / 5

Prudent Pet Health Insurance

Prudent Pet Health Insurance, with a 3.8-star rating, offers comprehensive and flexible protection tailored to the needs of Vermont’s pet families. Recognized for its customer-first approach, Prudent Pet allows Vermont pet owners to customize their insurance plans, providing versatile solutions for pet healthcare that cater to pets and their owners across the picturesque state of Vermont.

  • Average monthly cost for dogs – $45
  • Average monthly cost for cats – $40
  • Maximum annual coverage – $5,000 or unlimited
  • Deductible – $50, $100, $200, $250, $500 or $1000
  • Max age limit – No limit

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Hartville Pet Insurance Review
three and half starts

Overall Rating 3.8 / 5

Hartville Pet Health Insurance

Hartville Pet Health Insurance in Vermont receives a commendable 3.8-star rating for its extensive range of fully customizable plans designed specifically for dogs and cats. These inclusive plans cover accidents, illnesses, and preventive care, offering thorough protection. Hartville stands out for its commitment to providing numerous options for tailoring your insurance coverage, enabling Vermont pet owners to adjust deductibles, reimbursement rates, and coverage limits to suit a variety of financial situations and pet care requirements.

  • Average monthly cost for dogs – $49
  • Average monthly cost for cats – $28
  • Maximum annual coverage – $10,000
  • Deductible – $100, $250 or $500
  • Max age limit – No limit

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Understanding Pet Insurance in Vermont

Pet insurance in Vermont is designed to help pet owners offset the cost of veterinary care, covering a range of services from emergency treatments and surgeries to illnesses and, in some cases, preventative care, depending on the policy. Vermont residents can choose from various insurance providers, each offering plans with different levels of coverage, deductibles, and premiums.

The insurance operates on a reimbursement model, meaning pet owners pay for veterinary services upfront and then submit a claim to their insurer to get reimbursed for eligible expenses as outlined in their policy.

Pet owners in Vermont must review the details of any insurance plan carefully, paying close attention to coverage limitations, exclusions for pre-existing conditions, and breed-specific restrictions.

Why Consider Pet Insurance in VT State

Considering pet insurance in Vermont offers several key benefits:

  • Financial Protection: It protects against high veterinary costs, ensuring you can afford care for accidents, illnesses, and surgeries without financial hardship.
  • Comprehensive Care: Many plans cover a wide range of medical treatments, allowing for comprehensive care that includes emergency services, diagnostic tests, and chronic condition management.
  • Customizable Plans: You can tailor coverage to fit your budget and pet’s needs, choosing your deductible, coverage limit, and reimbursement rate.
  • Veterinary Freedom: Most insurance plans allow you to visit any licensed veterinarian in Vermont, from Burlington to Rutland, allowing you to choose the best care available.

the best pet insurance in Vermont

How Pet Insurance Works in VTΒ 

Pet insurance in Vermont operates on a reimbursement model, allowing pet owners to choose any licensed veterinarian for their pet’s care, whether in urban centers like Burlington and Montpelier or more rural areas like the Northeast Kingdom and the Green Mountains.

After paying for veterinary services upfront, pet owners submit a claim to their insurance provider detailing the treatment received and the costs incurred.

The insurance company then evaluates the claim based on the policy terms, including deductibles, coverage limits, and exclusions, and reimburses the pet owner for eligible expenses.

This model ensures that pets across Vermont can access necessary medical care, from emergency treatments to routine check-ups, without their owners worrying about the entire financial burden.

Choosing the Right Pet Insurance Company in Vermont

Selecting the right pet insurance company in Vermont involves considering several key factors to ensure you find a plan that meets your needs:

  • Coverage Options: Look for a company offering comprehensive coverage that suits your pet’s needs, including accidents, illnesses, surgeries, and potentially wellness care. Ensure the plan covers services vital to you, whether you’re in Burlington, Montpelier, or rural areas like Stowe and the Northeast Kingdom.
  • Cost: Compare premiums, deductibles, and reimbursement rates across different providers. Keep in mind that costs may vary based on your pet’s age, breed, and the specific coverage you choose, as well as your location in Vermont.
  • Company Reputation: Research the insurer’s reputation for customer service, claim processing times, and satisfaction. Look for feedback from other pet owners in Vermont to gauge their experiences.
  • Flexibility: Choose a company that allows you to customize your plan, including deductible amounts, coverage limits, and reimbursement percentages, to better suit your financial situation and pet care preferences.

By understanding the specifics of each plan, including any exclusions and limitations, Vermont pet owners can ensure their pets receive the necessary medical care without undue financial burden. With the freedom to use any licensed veterinarian across the state, from Burlington to rural communities, pet insurance offers a valuable safety net, allowing pet owners to focus on their pet’s health and well-being.

Frequently Asked Questionsβ“πŸ™‹

How long is the waiting period before my pet insurance becomes effective in Vermont?

Waiting periods vary by plan but generally range from a few days for accidents to a few weeks for illnesses. Some conditions may have longer waiting periods, so it’s important to check the specifics of your policy.

Can I get pet insurance if my pet is already sick condition?

While you can still obtain pet insurance for pets with pre-existing conditions, those specific conditions are typically not covered under new policies. However, all new illnesses or accidents will be covered according to the plan’s terms.

Are there any pet insurance plans in Vermont that offer wellness or preventive care coverage?

Some companies offer wellness or preventive care as add-on options or as part of more comprehensive plans, covering routine care such as vaccinations and annual check-ups.

How do I file a claim with my pet insurance company?

To file a claim, you typically need to pay your vet directly and then submit your invoice and a completed claim form to your insurance provider. The company will then process your claim based on your policy’s coverage.

Can I use any veterinarian in VT with my pet insurance plan?

Many pet insurance plans in Alabama cover hereditary and congenital conditions, provided they are not pre-existing conditions. However, coverage varies, so reviewing the policy details is important.

What factors affect the cost of pet insurance premiums?

Factors that affect premiums include your pet’s age, breed, the coverage level you select, your deductible, and the reimbursement rate. Location within Vermont may also influence costs due to regional differences in veterinary pricing.

Do pet insurance companies in Vermont cover dental treatments?

Coverage for dental treatments varies by plan. Some insurance policies include coverage for dental accidents and illnesses, while others may offer dental care as an additional option.

Are there any breed-specific restrictions or exclusions in Vermont pet insurance plans?

Some pet insurance plans may have breed-specific exclusions or limitations, especially for conditions common in certain breeds. It’s crucial to review the policy details for any breed-related restrictions.

What should I do if my pet insurance claim is denied?

If your claim is denied, review the insurer’s reasons and gather any additional information or documentation supporting your case. You can then submit an appeal to your insurance company, following their procedure for disputes.

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