As a pet owner in Maryland, you are probably seeking every opportunity to keep your pet healthy and well taken care of. Registering your pet in an insurance plan can help you make payments for your pet’s partial or overall treatment. When researching insurance policies that will best fit your pet’s needs, don’t just focus on the cost but also consider the investment you are making for your pet’s long-term health. To help you with this process, we’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality so it can be easier for you to choose an insurance policy.
ASPCA® Pet Health Insurance program offers coverage on accidents, illnesses, and optional preventive care (at an additional cost) at affordable monthly premiums. It has a robust customer service center that will guide you through your pet insurance needs and help your pet receive great care during emergencies. The provider also offers a wide range of reimbursement options, deductibles, and annual limits to help you customize your policy to suit your financial needs.
Disclosure provided by the ASPCA Pet Health Insurance program: Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Complete Coverage℠ reimbursements are based on the invoice. Preventive and Wellness Care reimbursements are based on a schedule. Products, schedules, discounts, and rates may vary and are subject to change. More information available at checkout. The ASPCA® is not an insurer and is not engaged in the business of insurance. Products are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ), produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227). Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2020.
Wagmo began by providing stand-alone pet wellness coverages. Today, it has expanded its portfolio to include customizable pet insurance coverage.
Pumpkin offers high-quality pet insurance plans for cats and dogs as well as an optional non-insurance preventive care plan for vaccinations, key tests and wellness exams, which will help to keep your pet happy and healthy through their life. You can travel with your pet in Canada or the US and can get access from any licensed vet in these countries. The platform is entirely digitized and serves as a one-stop-shop for all your pet's healthcare needs.
Pumpkin will cover up to $20,000 for dogs and $15,000 for cats annually.
Pumpkin Advertiser Disclosure: Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/insurancepolicy. Products, discounts, and rates may vary and are subject to change. Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company (NAIC #21113, Morristown, NJ) and produced by Pumpkin. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states. For full terms, visit pumpkin.care/customeragreement. Paid Endorsement.
Lemonade has earned a stellar reputation in the pet insurance industry with its affordable monthly premiums and fast reimbursement of claims with its AI technology. This technology has attracted thousands with its customizable policies and provides comprehensive coverage on illness and accidents to dogs and cats.
Eusoh is able to provide an affordable pet health plan because of its community-based health sharing plan. Pet parents directly fund each other's vet expenses, which helps everyone save.
Pawp offers pet owners an emergency fund up to but not exceeding $3,000 annually. The platform is different from other traditional pet insurance agencies as it does not require you to provide a medical examination report before enrolling your pet. Whether your pet is healthy or has been diagnosed with a pre-existing condition, you can still enroll it and access the emergency fund when the need arises.
With no deductibles and low monthly premiums as low as $24, the digital platform will protect your furry friend during an incident and save money from large vet expenses. Although the agency does not provide any limitations on age, it is best to insure your pet while still young and be prepared in advance when an emergency occurs.
Given the increase in cost of regular healthcare and veterinary bills, pet owners are more likely to be burdened with annual medical expenses for their pets. The hefty medical bills can also be due to regular checkups, vaccinations for your pets, grooming sessions, and emergency hospitalizations.
Sometimes, pet owners can go into debt in the bid to pay for their pet’s medical bills. With pet insurance, you can have a sense of relief that your pet can receive the medical attention it requires at any given point, and you can also reduce the chances of financial risk for yourself. Being in a position where you have to choose between your pet and your financial situation can be overwhelming, hence the reason why many pet owners choose to insure their pet as soon as possible. In other words, buying your pet an insurance plan can avert any complication that might arise due to an emergency or chronic illness.
It is also recommended you insure your pet from a young age because any pre-existing medical conditions are often not covered under an insurance policy.
Before you choose an insurance plan for your pet, you will want to have a clear understanding of what each policy covers. The following are the main types of pet insurance policies:
The following are most commonly covered under pet insurance policies:
The following is a list of exclusions you should be aware of when looking at pet insurance policies:
In Maryland, the monthly premium rates can be affected by different factors such as your location, your pet’s age, breed, and type of species. Usually, you are expected to pay for a standard insurance loan between $15 to $100 monthly. Here are some further details about the factors that can affect the monthly premium:
In the state of Maryland, veterinary costs for dogs and cats are higher than the national average. The following are some examples of veterinary services and their costs in Maryland:
Veterinary service | Cost |
Liver disease | $2,000- $5,000 |
Heart disease | $5,000- $20,000 |
Skin tumors | $2,000- $10,000 |
Hip dysplasia | $4,000-$6,000 |
Cancer | $5,000 – $20,000 |
Before you finalize your decision on a pet insurance policy, remember to keep these key factors in mind: