Massachusetts Pet Insurance

There’s a wide range of pet insurance costs, depending on a wide variety of factors, including coverage limits. On average, our Massachusetts pet insurance costs between $45 and $70 per month in 2025.

We believe honesty is the best policy, so we won’t tell you that Embrace is the cheapest in Massachusetts when it isn’t always. But our goal isn’t to be the cheapest, our goal is to cover more and offer the best pet protection we can. We are highly rated by our members (4.0 Google; 4.1 Trustpilot), have a 4.2-star rating from Forbes and are also highly rated by Rover, Investopedia, Money, Canine Journal and others. If you’re the type of pawrent who wants the best for their fur baby, you’ve come to the right place.

Massachusetts' beautiful scenery might mask some lesser-known threats to our furry friends. While the summers aren't tropical, heatstroke can still occur, especially for brachycephalic breeds. The warm, humid months also see heartworms, fleas, and ticks thrive. Ticks pose the additional threat of Lyme disease, prevalent throughout the state. This debilitating illness, if left untreated, can lead to chronic health issues.

For social butterflies, parvovirus and kennel cough are always concerns. But the threats go beyond the usual suspects. Coyotes roam throughout the state, even in populated areas, posing a risk to smaller pets. Skunks, carrying rabies and a potent spray, require caution. And even seemingly harmless plants like lilies and foxglove, commonly grown in Massachusetts, can be toxic to pets.

Its diverse coastline and ocean present their own set of hazards. Strong currents, rip tides, and frigid water temperatures can pose dangers for swimming pups. Saltwater ingestion can cause dehydration and electrolyte imbalances, and marine life like jellyfish and stingrays can inflict painful injuries.

With its diverse ecosystems and abundant wildlife, Massachusetts' natural beauty comes with a responsibility for pet owners to ensure their furry friends' well-being.

For any pet parent who wants to avoid being stuck with thousands in vet bills, pet insurance offers a way to pay upfront and get reimbursed for covered costs later. No matter how careful we are with our pets, accidents happen, and illness is largely unpredictable.

An emergency with a few zeroes behind it can lead to tough decisions, and pet insurance can help you make life saving decisions without financial worry.

If you’re contemplating pet insurance, you’re in good company. According to Nerd Wallet, the number of pet parents who opted for pet insurance has doubled since 2019.

Oh, and if you’re wondering, pet insurance is likely to pay off faster than you think. More than 50% of Embrace customers submit a claim within their first policy year, based on Embrace’s claims data.

Details vary, so here’s what you can expect: Whether or not you can use pet insurance immediately depends on the type of coverage you have. All policies cover accidents from the effective start date of the policy. All polices have a 2 week illness waiting period. Most pet wellness plans, on the other hand, aren’t insurance policies and your full benefits are available from day one. Other waiting periods and exclusions vary by state. Check your policy or click here for details.