Best Pet Insurance in Vermont of 2022

Lisa Scott

When seeking for the best pet insurance Vermont has to offer, there can be a list of things to consider for your pet. With so many different companies offering an array of coverage plans, how do you know what type of policy is right for you and your pet? To help you with this process, we’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality.

Extensive coverage to help keep your pet healthy


Coverage Up To


Reimbursement Rates


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.

What we like

  • Extensive coverage on multiple health issues
  • Optional preventive care plan that reimburses in full for annual wellness exams and vaccines
  • No exclusion on breeds or older pets
  • Offers a Fur Family Discount on multiple pets
  • Healthcare coverage in Canada and the US

What we don't

  • Pre-existing health conditions not covered
  • Pumpkin only covers dogs and cats

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 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 Paid Endorsement.

Short waiting periods on accidental coverage


Coverage Up To

70% - 100%

Reimbursement Rates


MetLife Insurance offers pet insurance for cats and dogs and is known for the shortest waiting periods in the industry.

What we like

  • No restriction on breeds and pet age
  • Customizable annual benefit limits
  • Short waiting periods accidental coverage
  • Flexible deductibles from $50 to $2,000
  • No incident limits

What we don't

  • Wellness treatment not included (optional add-on)
  • Pay first out of pocket and reimbursed later

Affordable prices with a fast reimbursement process


Coverage Up To

70% - 90%

Reimbursement Rates


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.

What we like

  • Customizable plans so you only pay for coverage that your pet needs
  • Claims are reimbursed in minutes
  • Affordable monthly premiums starting at $10/month
  • Comprehensive wellness plans to keep your pet in good health
  • Pay deductible once per year and not per incident

What we don't

  • Lemonade is only available in 33 states
  • Certain hybrid breeds may be denied

Pre-existing conditions and 6 pets covered for $24/m


Coverage Up To


Reimbursement Rates


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.

What we like

  • Monthly premiums as low as $24
  • Allows coverage on 6 pets for $24 a month
  • Allows enrollment of pets with pre-existing conditions
  • 24/7 unlimited access to Pawp’s virtual vet doctors

What we don't

  • Coverage is restricted to healthcare emergencies only
  • Does not offer wellness coverage
  • Emergency funds can be accessed only once per year

Is pet insurance worth it in Vermont?

Pet insurance is a good investment for people located in Vermont due to the harsh weather and the issues that accompany it. You can picture how your pet will react to the colder weather in Vermont when the temperature drops below 32 degrees.

Out in the wilderness, your pet may encounter Prairie Rattlesnakes and Western Massasauga Rattlesnakes, which are among the rattlesnake species found in Vermont. For this reason, pet insurance

With all of these dangers, the greatest thing you can do is acquire pet insurance because pets are susceptible to illnesses, injuries, and accidents at any given moment. You can feel reassured your pet will receive the medical attention it requires and also reduce the risk of financial burden upon yourself with unexpected veterinary bills.

What are the types of pet insurance plans in Vermont?

In Vermont, the following are the main types of pet insurance plans:

  • Illness plan: Only health-related issues involving your pets will be covered under Vermont’s illness plan. If you have illness coverage, you can be compensated for the costs of both serious and minor illnesses.
  • Accident and illness: This plan is designed to cover medical expenses for your pet that occur as a result of an unplanned emergency, such as a vehicle accident or an unexpected illness. This is the plan to get coverage for an ill or injured pet. It enables you to concentrate on your pet’s well-being rather than on costly veterinary bills.
  • Wellness plan: Wellness programs, sometimes known as “preventative plans,” involve annual checkups with your veterinarian as well as some basic tests. Wellness coverage can also help keep your pets healthy by covering a variety of routine care charges and preventative care such as dental cleanings, immunizations, and heartworm testing.
  • Accident-only: In the event of an accident, accident-only pet insurance covers medical expenditures including any injuries to the pet. Illness-related issues are exempt from this type of plan.

What does pet insurance cover and exclude?

The following are most commonly covered under pet insurance policies:

  • Vaccinations: Most insurers cover annual vaccines against core diseases like rabies, canine distemper, and feline panleukopenia. Some also cover vaccinations for other conditions such as Lyme disease and West Nile virus.
  • Treatment for illness or injury: This includes emergency medical treatment for an illness or injury. This policy also covers x-rays, medications, and surgery.
  • Routine and preventative care: This includes wellness exams, routine lab tests, and other regular maintenance services you may be seeking for your pet. Heartworm testing and flea/tick preventatives are also included.
  • Diagnostic testing: This includes imaging such as ultrasounds, CT scans, MRIs, and more.

The following is a list of exclusions you should be aware of when looking at pet insurance policies:

  • Treatment or diagnosis of pre-existing conditions: Pet insurance will not cover the cost for treatment or the diagnosis of pre-existing conditions.
  • Injury or illness with intent to cause harm: Pet insurance will not cover injuries or illnesses that were provoked by abuse, neglect, self-mutilation, or any other intentional act on the pet owner’s part.
  • Breeding, pregnancy, and whelping: Pet insurance does not cover expenses related to breeding, pregnancy, or the whelps (i.e., newborn pups) if the mother dog dies during pregnancy or the whelping process. This would include transportation costs to and from the veterinary clinic, medications, and surgeries related to whelping.
  • Additional veterinary facility fees: If your veterinarian charges more than the fee agreed upon in your policy, pet insurance will not cover the difference.
  • Elective veterinary procedures: Any elective veterinary procedures will not be covered by the insurer in a basic plan. Examples of these procedures include dental care, routine surgeries such as spaying (for females), neutering (for males), and aesthetic enhancement. However, many policies do offer an add-on option if you would like to have coverage for elective care.

How much does pet insurance cost in Vermont?

Pet insurance costs in Vermont vary depending on the breed, species, age, and location of the pet. The cost of various coverage options may be lower or higher depending on the insurance. Let’s look at an example of pet insurance pricing utilizing the three primary factors that can affect the price.

Keep in mind, the cost of various coverage alternatives may be lower or greater depending on the insurer.

CatDomestic Shorthair3 years old $20-$25 monthly 
DogChihuahua6 months$19 – $59 monthly
DogLabrador Retriever5 years old 45-$55 monthly
CatMaine Coon5 years old $21 – $45 monthly 
Dog Golden Retriever3 years old $35-$45 monthly
CatDomestic Shorthair6 months$15 to $35 monthly
DogMixed Breed1 year old $30-$40 monthly

What are the veterinary costs in Vermont?

Veterinary treatment costs in Vermont are slightly higher than the national average. For example, veterinary charges for hip dysplasia and cancer average between $5,000 to $10,000. Here are some examples of what a veterinarian might charge for certain conditions:

  • Liver disease – $2,000 to $5,000
  • Hip dysplasia – $4,000 to $6,000 per hip
  • Patellar luxation – $1,500 to $3,000
  • Stomach ulcers – $1,000 to $7,00
  • Disc disease – $3,000 to $9,000

How to choose the best pet insurance in Vermont 

When choosing a pet insurance plan, there are a few factors to keep in mind so you make the most informative decision:

  • Consider your pet’s needs: When searching for an insurance policy, keep your pet’s medical history in mind, including any surgeries or illnesses they’ve had and whether they’re spayed or neutered. Another alternative is to speak with a Vermont insurance representative about which insurer is appropriate for your pet.
  • Understanding the terms of the policy: By taking the time to thoroughly review your policy, you will know what kind of services will be covered and what will be excluded. You can also assess if your pet requires basic insurance or potentially add-on options such as wellness and preventative care.
    Customer reviews: Check what other customers in Palm Springs have to say about an insurance agency you’re considering. Read reviews about the customer’s experience, their service, and how they handle their claims process. This will make it easier for you to come to a decision.