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.
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.
Spot has seven annual coverage caps, three reimbursement levels, and four deductibles, making the company a great option if you are looking for customization.
- Our score: 91
- Two optional wellness packages
- Coverage of behavioral issues
- No age exclusions for older pets
Pros and Cons of Spot Pet Insurance
✔ Covers nutritional supplements and therapeutic diets
✔ Does not require a prior veterinary exam for coverage
✔ Provides reimbursement for microchipping
✘ Charges $2 per month in transaction fees if you make monthly payments
✘ Enforces a 14-day waiting period for accidents
Spot Plans and Coverage
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:
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 Pet Insurance Cost
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.
Get Quote: Compare Rates with Spot
Learn More: Spot Pet Insurance Review
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.
- 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 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.
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
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 Pros and Cons
✔ Has two plans for optional wellness care
✔ Covers some curable conditions after 180 days of no symptoms
✔ Provides coverage for behavioral treatments
✘ Does not give online quotes for older pets (over 18)
✘ Penalizes customers who don’t pay annual premiums in one lump sum by charging a $2 fee on monthly payments
ASPCA Plans and Coverage
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.
ASPCA Pet Insurance Cost
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.
Get Quote: Compare Rates with ASPCA
Learn More: ASPCA 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
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.
- Our score: 93
- Reimbursement rates include 100% option
- Unlimited annual coverage cap available
- Short (one-day) injury waiting period
Figo Pros and Cons
✔ Covers older pets regardless of their exact age
✔ Offers a diminishing deductible for each year you go without filing a claim
✔ Has a user-friendly mobile app with social networking for pet parents
✘ Does not offer any preventive care
✘ Does not cover pets younger than 8 weeks
Figo Plans and Coverage
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
- 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.
Get Quote: Compare Rates with Figo
Learn More: Figo 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.
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
We recommend that you receive quotes from these top providers before making your final decision.
Compare Vermont’s Best Pet Insurance Companies
|Provider||Our Rating||Sample Pricing*||Wellness Add-On|
*Sample quotes below are 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.
Frequently Asked Questions about Pet Insurance in VT
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 firstname.lastname@example.org.