Spanning snowy slopes to vibrant landscapes, Vermont is home to many pet owners, and we combed through premiums and plans in The Green Mountain State for the foremost pet insurance providers. Pet insurance gives pets in Vermont coverage for high-quality care and provides their pet parents peace of mind in the event of an illness or injury.
The best pet insurance provides a buffer against high vet bills, protecting pet owners from having to make difficult choices between their finances and their pet’s health. The This Old House Reviews Team gathered sample quotes through secret shopping and compared customer service, plan options, coverage, and policy details to compile the best pet insurance in Vermont.
Vermont’s Top 5 Pet Insurance Providers
- Embrace: Best Deductibles
- Fetch: Best Holistic Coverage
- Healthy Paws: Best Coverage Limit
- Prudent Pet: Most Comprehensive Plan
- Pawp: Best Digital Clinic
If customization is a top priority, pet owners may find Embrace to be the right choice, thanks to its five options for deductibles, five choices for coverage caps, and three reimbursement rates. This array allows a personalized price for each policy.
- Our score: 93.5
- Longest time in business on this list, with 18 years of experience insuring pets
- Healthy Pet Deductible reward gives a $50 credit toward your policy’s deductible for each year without filing a claim
- Vet exam fees are included in the standard policy, not offered as an add-on like some other providers
Embrace loses points in our rating system for higher prices for insuring Vermont cats than other providers, along with its limited options for calling customer service for those who prefer phone contact.
Pros and Cons of Embrace Pet Insurance
✔ The most deductible options of any provider on this list: $200, $300, $500, $750, and $1,000
✔ Offers a 10% multi-pet discount and a 5% military discount
✔ Optional Wellness Rewards add-on covers 100% of routine care costs up to the specified amount, rather than reimbursing a designated percentage
✘ Coverage caps are smaller than many other providers, with the maximum limit at just $30,000
✘ Limited phone hours for customer service
Embrace Plans and Coverage
Embrace’s standard accident and illness plan covers a long list of diagnostics and treatment, such as these:
- Genetic and chronic conditions
- Dental trauma
- Cancer diagnosis and treatment
- Physical therapy
- Imaging like CT scans, ultrasounds, and MRIs
- Hospitalization and surgery
For the standard policy, the five deductible options listed above are available. The plan also offers coverage caps of $5,000, $8,000, $10,000, $15,000, or $30,000.
Embrace also offers an optional Wellness Rewards add-on to assist with the cost of preventative and routine care, such as medication for tick and flea or heartworm, microchipping, routine veterinary visits, and medicated shampoos.
Embrace policies exclude breeding and pregnancy costs, deliberate injury or neglect, DNA testing and cloning, and stem cell treatments that are not medically necessary.
Embrace Pet Insurance Cost
In our research and from quotes we were given during our secret-shopping process, we found that pet insurance through Embrace costs between $33 and $66 per month for Vermont dogs and between $26 and $42 per month for cats.
Get Quote: Compare Rates with Embrace
Learn More: Embrace Review
Fetch by The Dodo
For pet owners who want a range of treatment options for their four-legged family member, Fetch is our choice for holistic coverage with generous inclusions such as behavioral or even stem cell treatment when prescribed by a licensed veterinarian.
- Our score: 91.5
- Covers a wider scope of dental treatments than other providers on this list, including dental illness like periodontitis as well as injury
- Provides unique discounts: 10% off policies for licensed medical service animals, as well as for pets adopted from shelters or rescues
- Offers a 30-day money-back guarantee
Fetch’s slightly lower score reflects our concerns that, at times, large or older dogs receive higher-than-average prices for policies with this provider.
Pros and Cons of Fetch by The Dodo
✔ Up to $1,000 for telehealth veterinary care during each policy year, giving pet owners flexibility in how they choose to visit the vet
✔ All ages are covered
✔ Broad range of expenses covered, including more natural treatments like homeopathy and added perks like reimbursing up to $1,000 for a canceled vacation due to a sick pet
✘ Requires a recent veterinary exam for enrollment, which must be from within the previous six months
✘ 15-day waiting period for both accident and illness coverage is longer than many competitors
Fetch by The Dodo Plans and Coverage
Fetch offers one plan for accident and illness items with up to unlimited coverage that includes expenses such as the following:
- Cat scans, X-rays, and MRIs
- Boarding kennel fees if a pet owner is hospitalized for four or more days
- Sick visits and exam fees
- Referrals and specialists
- Advertising and reward fees for lost or sick pets
- Prescription medications
Fetch does not offer any wellness add-ons or additional coverage options. Its policies exclude all routine and wellness care costs, cosmetic or elective procedures, and preexisting conditions.
Annual deductible options with Fetch include $250, $300, and $500, and the plan’s three coverage cap choices are for a $5,000, $15,000, or unlimited yearly cap.
Fetch by The Dodo Pet Insurance Cost
When collecting quotes from Fetch, we found that their coverage for furry friends in Vermont fell between $37 and $61 per month for dogs and between $20 and $25 per month for cats.
Get Quote: Compare Rates with Fetch
Learn More: Fetch by The Dodo Pet Insurance Review
For a consistently high coverage limit to prevent out-of-pocket costs and a long history of charity work, Healthy Paws appeals to pet owners who want an unlimited coverage cap with every policy.
- Our score: 93.5
- No per-incident, annual, or lifetime coverage caps, ensuring that pet parents won’t be left with a high vet bill after they reach a certain amount claimed on their policy
- Every filled-out quote triggers a donation to caring for homeless pets’ veterinary bills
- Direct deposit system for claims offers fast service, with the company’s website stating that most claims are reimbursed within two days
Though Healthy Paws offers generous coverage limits, it often gives fixed reimbursement rates and higher deductibles to older animals, not providing customization for these plans. This can lead to pet parents having less flexible options with the provider as their animal ages and often paying higher premiums.
Pros and Cons of Healthy Paws
✔ No restrictions on covering congenital conditions, meaning ones that have been present since birth
✔ The quote tool gives suggestions for other providers if it deems your quoted price to be unusually high
✔ Through its foundation, Healthy Paws has donated over $1.6 million toward ending pet homelessness since 2009
✘ No option to customize coverage caps for any policy, and no customization on pricing details for certain older animals
✘ Lengthy 12-month waiting period before the company covers hip dysplasia
Healthy Paws Plans and Coverage
Healthy Paws offers one standard accident and illness plan with no annual coverage limits. For some policies, the provider gives the choice between a $250 or $500 deductible and between an 80% and 70% reimbursement rate, but older animals do not receive this option.
Healthy Paws’ standard plan covers costs for the following:
- Imaging like ultrasounds
- Prescription medications
- Hereditary or chronic conditions
Healthy Paws policies exclude exam fees, preexisting conditions, spaying or neutering, elective procedures, and preventative care costs.
Healthy Paws Pet Insurance Cost
When we completed our secret shopping for Healthy Paws, we found that prices for dogs ranged from $42 to $69 per month, while prices for cats ranged from $22 to $27 per month.
Get Quote: Compare Rates with Healthy Paws
Learn More: Healthy Paws Pet Insurance Review
With the most plan options of providers on our list and comprehensive benefits, Prudent Pet tops our Vermont pet health insurance recommendations. Its coverage in the Ultimate plan extends beyond the veterinary office to include lost-pet advertising, hospitalization, and more, making it an excellent choice for pet parents who want to know their pet is fully covered.
- Our score: 93.5
- Three tiers of plans for minimal coverage to robust perks: Accident-Only, Essential, and Ultimate
- A 24/7 vet chat line for policyholders, offering round-the-clock veterinary advice
- Essential and Ultimate plans both cover behavioral treatments, which are often excluded or add-on options under other providers
While Prudent Pet has impressive benefits, it did lose points in our rating due to its higher prices than competitors offer and its lack of flexible coverage caps, which mean pet parents cannot choose their annual limit with their plan.
Pros and Cons of Prudent Pet Insurance
✔ 10% multi-pet discount available for insuring more than one four-legged family member
✔ Customizable coverage options include three plan types and two add-on coverage choices
✔ Accident-Only plan provides up to $10,000 of coverage in the event of an unexpected injury
✘ Ultimate plan can be more expensive than competitor prices
✘ No mobile app offered, which means you must manage your policy through a web browser
Prudent Pet Plans and Coverage
Prudent Pet gives customers a choice from three levels of coverage, depending on their needs and budget.
- Accident-Only plan: This plan is designed to protect against veterinary costs that arise from an emergency injury, like broken bones, swallowed objects, surgery, hospitalization, and injury to the teeth or mouth. The coverage cap is fixed at $10,000.
- Essential plan: This plan covers all items from the Accident-Only plan along with expenses that arise during illnesses, such as cancer treatments; eye, ear, and skin conditions; digestive illnesses; urinary infections; and up to $250 for behavioral treatment. The fixed coverage cap is $10,000.
- Ultimate plan: This plan has no coverage cap and includes all the Accident-Only and Essential plan benefits, as well as vacation cancellation reimbursement if your pet becomes ill, mortality benefits for burial or cremation costs, pet replacement fees if your pet strays or is lost, and advertising and reward for lost pets. It also increases the behavioral treatment allowance to $1,000 per year.
Although the plans have fixed coverage caps, four deductible options are offered: $100, $200, $500, or $1,000 per year. A deductible refers to the amount you will pay out of pocket before coverage starts.
No Prudent Pet plans cover expenses from breeding, pregnancy, anal gland expression, cosmetic or elective procedures, or preexisting conditions.
Prudent Pet does offer add-on coverage to help with costs from veterinary exam fees and wellness care, such as routine exams and vaccinations.
Prudent Pet Pet Insurance Cost
In our secret shopping, we found that Prudent Pet’s monthly premiums typically fell between $33 and $58 for dogs and between $18 and $23 for cats in Vermont.
Get Quote: Compare Rates with Prudent Pet
Learn More: Prudent Pet Review
Diverging from the insurance providers on this list, Pawp offers a unique option as a digital clinic with an emergency fund membership, rather than a traditional method of pet insurance. Its membership can be an ideal choice for those seeking minimal coverage at a low, flat monthly fee.
- Our score: 90
- No reimbursement rates or annual deductibles like traditional insurance
- 24/7 video calling and chats with a licensed veterinarian or vet tech
- Pays the veterinary clinic directly instead of reimbursing customers later
While Pawp offers a singular and affordable option, some pet parents may not be comfortable with the company’s lack of illness coverage and the allowance of only one veterinary visit a year.
Pros and Cons of Pawp
✔ Six pets can be covered through a single membership
✔ Lower membership pricing than competitor insurance plans
✔ Up to $3,000 of emergency expenses are covered in full
✘ Only one emergency is covered each year, even if the full coverage cap isn’t used
✘ A Pawp vet must examine your pet virtually and approve your emergency before you receive the funds
Pawp Plans and Coverage
Pawp offers an emergency fund and digital clinic, rather than an insurance policy. This plan is for life-threatening emergencies only, which Pawp defines as incidents that require medical treatment in four or fewer hours.
This can include health issues such as the following:
- Severe internal or external injuries
- Difficulty breathing
- Diagnostic tests needed during an emergency
Pawp does not cover ongoing illnesses or emergencies that are not life-threatening. A Pawp vet must approve your emergency before you go to the vet for your costs to be covered. However, pre existing conditions are covered during a Pawp-verified emergency.
Pawp Pet Insurance Cost
Unlike plan pricing, Pawp’s emergency fund membership costs a flat $19 per month to cover up to six pets. However, regardless of the number of pets enrolled, only one approved visit of up to $3,000 is covered each year of membership. This one visit rule also applies even if the veterinary bills from the emergency do not cost the full $3,000. We recommend reading the fine print with Pawp to ensure you know what to do in an emergency situation.
Get Quote: Compare Rates with Pawp
Learn More: Pawp Pet Insurance Review
How Much Is Pet Insurance in Vermont?
In our secret shopping for pet insurance quotes in Vermont, we found that pet insurance for dogs ranged between $19 and $69 per month, while pet insurance for cats fell between $18 and $42.
Your premium can be influenced by several factors, such as these:
- Age: As pets age, their health can often begin to deteriorate. This can lead to more illnesses or accidents and a greater need for veterinary treatment or prescription medications, raising premiums. After the age of 6, many pet parents see increased prices for pet insurance, though this can sometimes be avoided by insuring furry friends at a younger age.
- Location: Pet insurance premiums tend to be higher in larger cities due to an increased cost of veterinary care in more metropolitan areas. In Burlington, for example, a pet owner would likely pay more for a pet than one living in rural Vermont.
- Discounts: Another factor that affects pet insurance premiums is the presence of applicable discounts. These can vary by provider. For example, customers receive a 10% discount for insuring multiple pets through Embrace, and Fetch offers 10% off for licensed medical service pets as well as for pets adopted from rescues and shelters.
- Species: Generally speaking, cats are less expensive to insure than dogs. This is primarily due to the fact that dogs are likely to develop more expensive health issues, particularly as they age, including several types of cancer, that can drive premiums up.
- Breed: Larger dogs like Saint Bernards, Golden Retrievers, and Great Danes tend to be quoted higher prices for pet insurance, as canines of this size are not only some of the most likely to develop cancer but also the costly condition called hip dysplasia.
- Customization: The deductible, reimbursement rate, and coverage cap you choose for your pet insurance plan will inform how much you pay. Higher deductibles paired with lower reimbursement rates and coverage caps can lower your monthly premium. For example, choosing the Essential plan through Prudent Pet with a deductible of only $100 and a reimbursement rate of 90% will cost $78.97 per month, while raising that deductible to $250 and lowering the reimbursement rate to 80% will significantly reduce monthly payments to $40.06.
Frequently Asked Questions about Pet Insurance in VT
Why doesn’t pet insurance cover pre existing conditions?
In all the pet insurance providers’ terms and conditions, you may have noticed that the companies exclude pre existing conditions from coverage. Pet insurance is designed to cover unexpected events in a furry family member’s health journey, which is why most plans are designated as accident-only or accident and illness.
A preexisting condition is one that started showing symptoms before pet insurance coverage began, and no pet insurance is designed to cover these conditions. However, suppose you’re looking to protect your pet in an emergency situation. In that case, a Pawp membership will cover your pet’s preexisting conditions if they are sick or injured in a life-threatening emergency.
What is the most reasonable pet insurance?
Based on the quotes we received while secret shopping, we found that Prudent Pet offered the most affordable rates for pet insurance in Vermont, starting as low as $33 per month for dogs and $18 per month for cats.
Do pet insurance premiums go up with age?
Yes, pet insurance premiums tend to increase each year, though some providers begin increasing them more aggressively once a pet is at least 6 years of age. In our research, Fetch and Embrace tend to charge more for older pets than other providers on this list, though they also offer comprehensive coverage.
In our research, we found Prudent Pet to be the best overall choice for dog or cat parents in Vermont due to its affordable policies, wide range of plans, and comprehensive coverage. Healthy Paws is another excellent choice for pet owners looking for unlimited coverage for their pet’s medical care. Finally, Pawp is a unique emergency fund offering at a low, fixed price for those seeking coverage for emergencies.
Comparing the Top Providers of Pet Insurance in Vermont
*Sample quotes for a mixed 4-year-old dog in Burlington, Vermont, with a 05401 ZIP code based on a $250 deductible, $5,000 coverage cap, and 80% reimbursement level when those options were available
Our Rating Methodology
The This Old House Reviews Team is dedicated to thorough, in-depth reviews of each product or service that we detail in our content. Determined to build trust with our readers through transparency, accuracy, and accountability, we’ve built a detailed rating system to score pet insurance brands. Included in this methodology are the following six factors with their respective scoring weights:
- Coverage (25)
- Plan options (20)
- Monthly cost (20)
- Company reputation (15)
- Customer service (10)
- Species eligibility (10)
Our researchers keep all data in each company’s score up to date, making any changes to our content when necessary to provide our readers with the most accurate information on relevant metrics, such as plan options, customer service, reputation, and monthly cost.
To share feedback or ask a question about this article, send a note to our Reviews team at email@example.com.