Dedicated pet owners are aware that emergencies can happen at any point in their dogs’ and cats’ lives. Therefore, many buy pet insurance to safeguard against the exorbitant costs of urgent veterinary care. Pet insurance provides pet owners with essential financial support to afford whichever treatments and procedures their animals may need in the future, regardless of cost. For this reason, we are happy to share the 5 best pet insurance companies for Vermont residents.
5 Top Dog & Cat Insurance Companies Compared for Vermont
(Best for wellness)
Why it’s great: Wagmo is known for their speedy reimbursements via direct deposit, PayPal and Venmo. Once you meet your annual deductible, they will also reimburse up to 100% of vet fees for the rest of the year. Those who insure multiple pets or renew their policies without having any claims in the year prior are eligible for discounts. Pet parents will also appreciate having the freedom to choose the right veterinarian for their cats and dogs.
Keep in mind: Lifetime benefits max out at $100,000, at which point your pet will no longer be eligible for coverage.
Good for: Pet parents who want a solid wellness and emergency care mix.
Average price for DOGS in Vermont: $39.17/month
Average price for CATS in Vermont: $23.89/month
(Best for cats)
Why it’s great: Figo insures both dogs and cats but offers some of the best rates out there for our feline friends. Pet owners will benefit from live 24/7 veterinary support, so they can get the crucial answers they need whenever they need them. Figo also features a selection of wellness plan add-ons, one of which even covers up to $250 of prescription food. It is important to note that all of their basic plans come with unlimited lifetime benefits, so pets can continue to receive the care they need, regardless of the cumulative cost over time.
Keep in mind: They do not cover pre-existing conditions.
Good for: Cat parents. Also, pet owners who want 24/7 telehealth services
included in their policy.
Average price for DOGS in Vermont: $32.93/month
Average price for CATS in Vermont: $16.61/month
(Best for pre-existing conditions)
Why it’s great: The emergency fund protects as many as 6 pets within your household, irrespective of their breed, age or medical history, for only $24/month. In addition, pet owners get to choose their veterinarians and have access to pet expert consultations and unlimited 24/7 telehealth services. However, unlike conventional pet insurance companies, Pawp requires no copays, deductibles or credit checks. Pet parents will be relieved to know that when it comes to qualified emergencies, they will be able to leave the vet’s clinic with their bills paid in full and no claims to worry about.
Keep in mind: The fund only covers medical events and illnesses that Pawp’s virtual team of vets qualifies as emergencies. Also, keep in mind that it only covers a single vet bill under $3,000 for one of your pets each year.
Good for: Older pets or those with pre-existing conditions. A good supplement for a traditional pet insurance plan.
(Best established brand)
Why it’s great: Embrace offers multiple pet discounts, unlimited lifetime benefits and diminishing deductibles. Diminishing deductibles are quite appealing for pet parents because it means that for each year they do not have a claim reimbursed, their deductible will drop automatically by $50 upon the renewal of their policy. Embrace also has one of the most unique wellness plans around as it offers coverage for alternative veterinary treatments, including reiki, chiropractic, acupuncture and massage therapy.
Keep in mind: The maximum combined claims total per year is $650, providing an approximate savings of $25 per year. Unused funds for the wellness plan will not be reimbursed at the end of the year.
Good for: Pet parents who value new age, alternative veterinary care.
Average price for DOGS in Vermont: $45.13/month
Average price for CATS in Vermont: $29.24/month
(Best pet healthshare community)
Why it’s great: Eusoh is an expense-sharing community, not a pet insurance company. They provide an exciting alternative to the traditional insurance model as they save their members as much as 50% on veterinary fees. Their community health-sharing plans reimburse pet parents for care related to accidents, illness or routine check-ups. What’s more, all members get to bring their pets to the veterinarians of their choice. A perk of membership is access to televet services via Eusoh’s partner, FirstVet.
Keep in mind: Eusoh is not a pet insurance company. Instead, they are an expense-sharing community. Their highest reimbursement rate is 80%, and they pay out up to $8,500 per year.
Good for: Those that like healthshare communities.
Average price for DOGS in Vermont: $62.58/month
Average price for CATS in Vermont: $40.94/month
FAQs about Pet Insurance in Vermont
1. What does pet insurance typically cover for dogs and cats?
Coverage may differ between providers, but you can expect that any accident or illness that may be considered sudden and catastrophic will be covered. Such coverage includes tests, other diagnostics, exams, medication, emergency care and surgery.
2. How much does pet insurance cost in Vermont?
Pet insurance in Vermont costs anywhere from $15.05 to $45.41 per month for dogs (based on prices for a healthy 2-year-old located in the 05402 zip code). And anywhere from $14.06 to $17.53 per month for cats (based on prices for a healthy 2-year-old located in the 05402 zip code). Prices can vary greatly depending on your zip code, the breed of your pet, its age, and medical history.
We recommend getting a quote from Wagmo who we’ve seen consistently offer the lowest prices and best coverage out of any other provider.
3. Can I cancel my dog or cat insurance plan after I make a claim?
The majority of providers will let you cancel your plan at any time, though some have different stipulations on how they want you to go about it. We suggest checking with your provider to find out their cancellation policy and the steps you’re required to take.
4. Do Vermont pet insurance companies cover spaying and neutering?
Vermont pet insurance companies do not cover spaying and neutering. However, providers such as Embrace have wellness package add-ons that will cover these operations.
5. Does the cost of insurance increase as my pet ages?
Pet insurance premiums will increase with your pet’s age, especially once they reach 4 to 5 years old. Insurance providers raise rates to help mitigate the increased risk that your pet will become ill or develop an ailment as they get older.
6. Which companies cover pre-existing conditions?
Pawp is the best pet insurance company for covering pre-existing conditions, particularly emergencies. Embrace also covers some ‘curable’ pre-existing, though it’s always good to consult them for further clarification and details. Keep in mind that most pet insurance companies do not cover pre-existing conditions at all. However, the good news is that if your dog or cat has a pre-existing condition, it will not preclude them from getting insured.
7. Is pet insurance worth it in Vermont?
With Vermont’s high veterinary costs, particularly for urgent care, pet insurance will prove itself to be a beneficial financial safety net. It can give pet owners peace of mind, knowing that they will be able to get the best care for their beloved cats or dogs, irrespective of price. For example, treatments for life-threatening diseases like cancer can run as high as $10,000 and cataract surgery, which can save your pet from becoming blind, may cost up to $4,000.
We hope this article helps simplify the process of finding the perfect pet insurance plan for your best pal. We encourage all pet owners to research each of these providers and their offerings further before applying for a policy. Purchasing the best Vermont pet insurance plan will give your cat or dog vital support during emergencies and promote overall well-being, allowing you both to live long and healthy lives together.
In our experience, after careful review, we’ve consistently seen Wagmo has the best combination of coverage and price.
Note: Our prices listed above are accurate in January 2022 and may change at any time. Please get a quote for your pet on one of the recommended websites for the most accurate monthly costs. These prices are based on a Labrador Retriever dog and American Shorthair cat located in the 05402 zipcode. We chose a $500 deductible and 90% reimbursement amount for each policy we reviewed (except for Pawp). The annual benefit amount we selected for each provider is as follows:
- Wagmo = $20,000
- Figo = $5,000
- Pawp = $3,000
- Embrace = $5,000
- Eusoh = $8,500