Insuring Your Pet in Massachusetts

Don’t be haunted by vet bills. Get pet insurance personalized to your budget with coverage at every neighborhood vet from Beantown to the Cape, Western Massachusetts to Salem, and everywhere else throughout the Bay State and beyond.  

Why We Recommend Pet Insurance if You Live in Massachusetts

Our four-legged friends have a knack for batting at trouble. And in Massachusetts, they don’t have reach far to find it. Trouble can come from a crazy critter encounter, harsh weather, or even inside of your own home.  

We don’t have to tell you that Massachusetts can be a pricey place to live – and the vet bills certainly follow suit. Pet insurance ensures that you can afford to give your best friend the best care no matter the cost.  

We've plowed through claims from the Bay State, and the most common ones are exactly what you'd expect: 



These pesky flying insects are host to parasites and diseases that can be spread to your pet pal, and, shockingly, they’re active pretty much all year long in many eastern states – including Massachusetts.  

coyote icon


Known to live in both urban and rural areas, wild coyotes can be predatory and territorial in nature. They often hunt early in the morning and late in the evening when it’s harder to spot them.

Unexpected Accidents

Unexpected Accidents 

Unexpected accidents lurk just around the corner – from slipping on ice, ingesting something toxic, or an injury from running with the big dogs at the park. You certainly can’t plan for the unexpected, but you can always be prepared with pet insurance. 

Extreme Cold

Extreme Weather 

Massachusetts may not be known for heatwaves in summer, but the cold winters here have quite the reputation. While guarded by fur, pets are still at risk for frostbite, illnesses, and even hypothermia.  

snake icon

Venomous Snakes 

Copperheads and timber rattlesnakes call Massachusetts home. Easily agitated and possessing deadly venom, they’re a surprise your curious pet doesn’t want to find while exploring the backyard.  

maxine the cat

What’s Quicker Than a Coyote?

A pet parent’s reaction to danger – and our claims process.  Read how we were there for Maxine’s pet parents after a coyote attack.

Vet Bill: $3,572
Embrace Reimbursed: $2,296

Discover the Details

Visit Any Veterinarian or Pet Hospital in Massachusetts

No networks, no hassle. With Embrace Pet Insurance you can visit any general, specialist or emergency veterinarian in Massachusetts, across the United States, or even around the globe. No matter what licensed vet you see, you’re covered.


The ease with which [claims were] handled was amazing! The vet filed the claims and within two weeks I was reimbursed with a full explanation of benefits! Highly recommend Embrace!
Patricia G.  |  Seekonk, MA

How Much Does Pet Insurance Cost in Massachusetts? 

Personalize a policy for your best bud (and budget) by picking your deductible, your annual maximum, and your reimbursement percentage. The cost of a pet insurance policy varies by breed, Zip Code, and a few additional factors. 

Below are a few estimates to give you a better idea of what pet insurance might cost in Massachusetts. 

Species Breed Age Premium
Dog Mixed Breed 1 $30-$40 per month
Dog Golden Retriever 3 $35-$45 per month
Dog Labrador Retriever 5 $45-$55 per month
Cat Domestic Shorthair 3 $20-$25 per month

Estimates based on quotes by Embrace Pet Insurance

What All Is Covered by Pet Insurance in Massachusetts? 

Embrace’s comprehensive pet insurance covers accidents, injuries, illnesses, and a whole lot of ruff stuff. (We even cover exam fees!) Dig into all the doggone details of our coverage. 

accidents icon   Accidents
Illness Icon   Illness
dental icon   Dental Illnesses
ER care icon   Specialty Care
cancer icon   Cancer
Chronic Conditions icon   Chronic Conditions
Behavioral Therapy icon   Behavioral Therapy
breed icon   Breed-specific
& Genetic Condition


I would have paid out of pocket as [our Golden Doodle] is a treasured member of our family; luckily with Embrace I did not have to… I HIGHLY recommend this company if you are going to insure your pet.
Kerry W.  |  Haverhill, MA

What’s Not Covered?

While no pet insurance covers pre-existing conditions – Embrace included – we do distinguish between curable and incurable pre-existing conditions and cover curable conditions after your pet is symptom- and treatment-free for 12 months.

We also do not cover cosmetic procedures (declawing, ear cropping, tail docking, etc.), breeding and whelping, DNA testing, or cloning.

For routine and preventive care, we offer a flexible Wellness Rewards plan, which is the purrfect complement to your insurance policy.


I cannot speak highly enough of Embrace and every employee who has spoken to me with caring and compassion. I highly recommend Embrace to anyone looking to provide the best care for their pet.
Lori G.  |  Newburyport, MA

How Does Pet Insurance Work in Massachusetts?

With Embrace, pet insurance is simple: Visit any vet, submit a claim, and we get to work reimbursing you.  

We make the claims process so easy your pet could practically do it. Get an itemized invoice and the diagnosis from your vet. That's all you need when you submit your claim via your MyEmbrace Customer Account – because who has time to print and fax or snail mail? Voila. You’re done!  

We even offer direct deposit so you can get reimbursed quicker. 

Pet health insurance is administered by Embrace Pet Insurance Agency, LLC and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8), and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors, and are subject to change. Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. © 2020 American Modern Insurance Group, Inc.  Wellness Rewards not available in Rhode Island.