Best Pet Insurance in Vermont (VT)

Spot has seven annual coverage caps, three reimbursement levels, and four deductibles, making the company a great option if you are looking for customization.

Learn More: Spot Pet Insurance Review

• Our score: 91
• Two optional wellness packages
• Coverage of behavioral issues
• No age exclusions for older pets

Spot offers the following standard coverage plans:

• Accident-Only: This plan provides basic coverage for accidental injuries, including diagnostic testing, treatments and procedures, and hospitalizations.
• Accident-and-Illness Plan: This plan provides reimbursement for everything in the Accident-Only Plan plus ongoing issues such as dental and heart disease and hereditary and congenital conditions. Behavioral issues are also covered in this plan.

Both the Accident-Only and Accident-and-Illness Plan can be customized with annual reimbursement limits that range from $2,500 to unlimited. Customers can also choose a reimbursement rate of 70% to 90% and the following deductibles:

• $100
• $250
• $500
• $750
• $1,000

For additional wellness coverage, Spot’s Gold Preventative Plan offers $250 in total annual reimbursements for routine care, including annual exams, dental cleanings, and some vaccinations. The Platinum Preventative Care Plan has an annual coverage cap of $450 and includes extras not covered in the Gold plan, such as blood work.

Spot’s accident-and-illness coverage costs around $15 to $114 per month for dogs and approximately $8 to $70 per month for cats. Pricing will depend on the coverage cap, deductible amount, and reimbursement rate you choose.

ASPCA has several services tailored to first-time pet owners, including a local vet finder tool, online resources about eco-friendly pet care, and microchip implantation coverage.

• Our score: 89
• Five choices for annual reimbursement limits
• No medical records needed for coverage approval
• Standard coverage includes veterinary exam fees

ASPCA’s standard pet insurance plans are as follows:

• Accident-Only: The Accident-Only Plan provides reimbursement for treating injuries like bites and broken bones. Coverage includes testing and after-care. Acupuncture is also covered if prescribed by a veterinarian.
• Complete Coverage: Complete Coverage encompasses everything in the Accident-Only Plan with additional coverage for illnesses and chronic conditions like heart and dental disease, cancer, and hip dysplasia.

ASPCA provides five options for annual coverage caps ranging from $3,000 to $10,000. Reimbursement rates between 70% and 90% are available, and customers can choose a deductible amount of $100, $250, or $500.

Both of ASPCA’s preventive plans cover routine exams and vet visits as well as deworming and fecal tests. The Basic Plan comes with a $250 annual reimbursement limit for an additional $9.95 per month. The Prime Plan has a $450 coverage cap and costs $24.95 per month.

When we secret-shopped pet insurance providers, we found that an ASPCA policy in Vermont would cost between approximately $30 and $105 per month for dogs and about $13–$51 for cats.

If customization is a top priority, pet owners may also find Embrace to be a good choice, thanks to its five options for deductibles, which is more than any other provider on our list.

Learn More: Embrace Review

• 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.

Embrace’s standard accident and illness plan covers a long list of diagnostics and treatment, such as these:

• Genetic and chronic conditions
• Dental trauma
• Allergies
• Cancer diagnosis and treatment
• Physical therapy
• Imaging like CT scans, ultrasounds, and MRIs
• Hospitalization and surgery

For the standard policy, the five pet insurance 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 preventive 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.

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.

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.

Learn More: Fetch Pet Insurance Review

• 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.

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

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.

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.

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.

Learn More: Healthy Paws Pet Insurance Review

• 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.

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
• Surgery
• Hospitalization
• Hereditary or chronic conditions

Healthy Paws policies exclude exam fees, preexisting conditions, spaying or neutering, elective procedures, and preventative care costs.

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.

Figo made our list of best pet insurance companies due to its selection of add-on coverage. For an additional monthly fee, Figo can provide up to $10,000 in third-party liability insurance, which protects you from lawsuits if your pet causes damage to someone else’s property. Figo’s Extra Care Pack also reimburses you for the cost of lost-pet advertising and burial costs.

Learn More: Figo Pet Insurance Review

• Our score: 93
• Reimbursement rates include 100% option
• Unlimited annual coverage cap available
• Short (one-day) injury waiting period

Figo provides accident-and-illness coverage in one plan that can be customized by selecting an annual reimbursement limit of $5,000, $10,000, or unlimited. The company’s standard plan covers the following:

• Ongoing treatment
• Lab tests
• Prescriptions
• Holistic care
• Behavioral issues

While Figo provides reimbursement for vet exam fees, spaying and neutering, vaccinations, and dental care, this coverage is only available as an add-on service.Figo also has an Extra Care Pack, which helps offset the cost of related pet-care expenses. These expenses include vacation cancellation fees if your pet is sick or injured, advertising if your pet is lost or stolen, and cremation or burial costs.

According to our research, Figo’s cost of coverage for a dog in Vermont is between approximately $12 and $46. The cost in Vermont for a Figo cat policy is also about $12 to $46.

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.

Learn More: Prudent Pet Review

• 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.

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.

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.