The Best Pet Insurance in Maine in 2025
Find pet insurance quotes as low as $24 per month for dogs and $12 for cats.
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Edited byLequita Westbrooks
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Lequita WestbrooksSenior Editor
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Reviewed byJohn Leach
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John LeachLicensed Insurance Agent
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.
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In This Article
Spot, ASPCA, and Pumpkin lead Maine’s top pet insurance picks, offering strong coverage at competitive rates. Spot stands out with the lowest premiums for dogs, at $24 per month, while ASPCA excels for cat owners by offering multi-pet discounts and alternative therapy coverage.
Pet insurance is especially important for Maine residents with active outdoor lifestyles whose pets may be exposed to seasonal hazards like tick-borne diseases, including Lyme disease.[1] Pet insurance in Maine averages $49 per month for dogs and $26 for cats, according to Compare.com data.
The following guide explores Maine’s best pet insurers, state regulations, and tips to help you choose the right policy for your furry friend.
What You Need to Know About Pet Insurance in Maine
Pet insurance in Maine costs an average of $588 per year for dogs and $312 annually for cats.
Spot offers the cheapest dog coverage. Cat owners typically find the best deal with Spot.
Maine’s Pet Insurance Act requires 15-day trial periods and limits waiting periods to 30 days.[2]
Compare Pet Insurance Companies in Maine
The table below shows how several pet insurers compare on key metrics like average premiums, coverage options, and policy features. Explore these top companies to see which matches your needs and budget.
 |  |  |  |  |
|---|---|---|---|---|
Avg. quote, dogs Prices based on average across all available dog breeds and locations $24/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $30/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $65/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $48/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $64/mo* |
Avg. quote, cats Prices based on average across all available cat breeds and locations $12/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $15/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $28/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $0/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $0/mo* |
Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 80%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 50%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–100% |
Payout limits The maximum amount your provider will pay for covered events. $2,500–Unlimited | Payout limits The maximum amount your provider will pay for covered events. $2,500–Unlimited | Payout limits The maximum amount your provider will pay for covered events. $5,000–Unlimited | Payout limits The maximum amount your provider will pay for covered events. Unlimited | Payout limits The maximum amount your provider will pay for covered events. $5,000–Unlimited |
Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$1,000 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$500 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$1,000 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $250–$1,000 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$750 |
Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions Not coveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. |
Data in this table has been sourced from Compare users who received a pet insurance quote from our partner Fletch.
Save Money with Maine’s Best Pet Insurers
Policies in Maine start as low as $12 per month.
Secure. Free. Easy-to-use.
4.7/5 (1,395+ reviews)
Our Picks for the Best Pet Insurance Companies in Maine
Choosing the best insurance for your pet depends on a various factors, including your pet’s breed and coverage needs. So, we’ve done the research to make it easier.
We’ve selected the five insurers below based on a combination of average rates, coverage quality, and policy flexibility specifically for Maine pet owners.
Spot: Best for dogs
Pros
No age restrictions
Optional wellness plans
Multiple deductible options
Cons
No 100% reimbursement option
14-day waiting period
Limited plan customization
Spot earns our top pick for dog owners, offering Maine’s lowest average premiums, at $12 per month, according to Compare.com data.
The company stands out for its curable conditions coverage and flexible deductible options, making it a smart choice for managing out-of-pocket costs for active dogs.
ASPCA: Best for cats
Pros
Multi-pet discount of up to 10% for each additional pet
Covers alternative therapies
Broad accident coverage
Cons
No prescription food coverage
Claims process requires phone call
Limited plan customization
ASPCA balances affordability with comprehensive coverage, making it ideal for Maine cat owners. It offers multi-pet discounts for households with multiple cats and includes alternative therapy coverage for treatments like acupuncture, chiropractic care, and hydrotherapy.
Pumpkin: Best for young pets
Pros
Covers behavioral issues
Dental illness coverage
Preventive options available
Cons
Slower claims processing
Limited deductible options
Higher premium levels
Pumpkin specializes in comprehensive care for younger pets, covering behavioral training and dental conditions that often affect puppies and kittens. This makes it easier for Maine pet owners to stay on top of their pets’ health year-round.
Healthy Paws: Best for unlimited payouts
Pros
Unlimited payouts
Fast claims processing
Simple policy structure
Cons
Won’t insure older pets
Wellness coverage not available
No routine care option
Healthy Paws stands out among Maine insurers by offering truly unlimited annual and lifetime payouts. It provides comprehensive coverage for unexpected veterinary costs. This makes it especially valuable for pets with chronic conditions that require ongoing, costly treatments.
Figo: Best for purebred dogs
Pros
No upper age limit
Multi-pet discount
Easy-to-use mobile app
Cons
Mixed claims reviews
No routine care coverage
Coverage varies by state
Figo accommodates purebred dogs of all ages, including senior pets that other companies won’t insure. Its user-friendly mobile app streamlines policy management and claims — a helpful perk for busy Maine pet owners.
Our editorial team selected these companies based on average premiums, available coverages, policy features, and customer feedback specific to Maine.
These factors include:
State-level average premiums by species, age, and breed
Available reimbursement rates, payout levels, and deductibles
Waiting periods for common conditions
Coverage for curable pre-existing conditions
Plan flexibility and policy management features
We prioritized each factor differently depending on the category to provide the best possible recommendations to pet owners throughout Maine.
The Cheapest Pet Insurance Companies in Maine
Pet insurance rates in Maine vary significantly depending on your pet’s age, breed, health history, and your coverage limits. Generally, younger, mixed-breed pets are less expensive to insure than older purebred pets prone to hereditary conditions.
The table below highlights the companies offering the most affordable average monthly premiums for dogs and cats in Maine, according to Compare.com data.
The below rates are estimated rates current as of: Sunday, October 5 at 12:00 PM PDT.
Company  | Average Monthly Premium: Dogs | Average Monthly Premium: Cats |
|---|---|---|
| Spot | $24 | $12 |
| ASPCA | $30 | $15 |
| Pets Best | $36 | $36 |
| Prudent Pet | $61 | $31 |
| Pumpkin | $65 | $28 |
Maine Pet Insurance Laws and Requirements
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Maine has strong consumer protections in place to ensure pet owners understand what they’re purchasing and to provide options if insurance policies don’t meet expectations. Maine’s pet laws make it one of the most pet-owner-friendly states.
Maine’s Pet Insurance Act, effective Jan. 1, 2023, includes the following important protections:[2]
15-day free-look period: Pet owners have 15 days to cancel a policy for a full refund, as long as they haven’t filed any claims.
Waiting period limits: For new policies, insurers can’t have waiting periods for accidents, and illness waiting periods can’t exceed 30 days.
Pre-existing condition burden: Insurance companies (not the pet owner) must prove that a condition is pre-existing.
Clear disclosures: Insurers must explain coverage, exclusions, and waiting periods before purchase.
Additional Maine pet regulations
How to Pick the Right Maine Pet Insurance Company for You
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Finding the best pet insurance in Maine requires evaluating your pet’s specific needs and comparing coverage options carefully. Here are a few tips to help you find the right insurer for your pet.
Assess your pet’s health risks. Consider breed-specific conditions, age-related issues, and Maine’s outdoor activity risks.
Compare coverage options. Look beyond price to evaluate what conditions and treatments each policy covers.
Check waiting periods. Maine limits illness waiting periods to 30 days, but accident coverage varies by insurer.
Get multiple quotes. Premiums vary significantly between companies for identical pets and coverage.
Review policy exclusions. Understand which pre-existing conditions and treatments your policy doesn’t cover.
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Pet Insurance Terms: A Full Glossary of Everything You Should Know
Find the Best Company for Your Furry Friend
Spot may be cheapest, but it won’t be right for every Maine pet parent.
Secure. Free. Easy-to-use.
4.7/5 (1,395+ reviews)
Maine Pet Insurance FAQs
Buying pet insurance doesn’t have to be difficult. Here are answers to common questions Maine pet owners have about pet insurance coverage to help you get the best coverage.
What’s the best pet insurance in Maine?
The best insurer for you depends on your unique situation. Spot ranks best overall for Maine dog owners due to competitive monthly premiums, while ASPCA leads for cat owners with lower rates and multi-pet discounts.
What is the average cost of pet insurance for dogs in Maine?
Dog insurance in Maine averages $49 per month, according to Compare.com data. But what you’ll pay may be quite a bit different depending on your pup’s age, breed, and more.
For example, senior dogs typically cost $113 per month to insure. Purebred dogs average $68 per month, and mixed breeds run $55 per month.
What is the average cost of pet insurance for cats in Maine?
Cat insurance averages $26 per month in Maine, according to Compare.com data. Purebred cats average $54 per month, and mixed breed cats typically run $33.
Is pet insurance expensive in Maine?
Not really. Maine pet insurance costs fall in the middle range compared to most states. Compared to neighboring New England states, Maine offers competitive rates. Massachusetts costs more, while Vermont runs slightly lower.
Is pet insurance worth it in Maine?
Pet insurance provides valuable protection for Maine pets that face outdoor risks like tick-borne diseases, wildlife encounters, and seasonal injuries.
Research shows that pet owners with insurance are more likely to seek veterinary care and approve surgeries.[6] Emergency vet visits can be costly, with bills often ranging from $1,000 to over $10,000, so insurance helps ensure pets receive the care they need.
What does pet insurance cover in Maine?
Maine pet insurance typically covers accidents, illnesses, surgeries, medications, and diagnostic tests. Some policies include behavioral therapy, alternative treatments, and preventive care as add-ons. Insurers generally exclude pre-existing conditions unless they specifically cover them after waiting periods.[2]
Disclaimer
Our editorial team created this article with the help of highly trained generative artificial intelligence (AI) tools. That said, multiple insurance experts — including at least one licensed agent — have rigorously reviewed, fact-checked, and edited every word and data point you see here.
We write, edit, and review all of the content on Compare.com according to our strict editorial standards, regardless of how we created it. Learn more about our editorial process.
Methodology
Compare.com data scientists analyzed more than 250,000 pet insurance quotes from our proprietary database — sourced by Fletch Insurance Services LLC (“Fletch”) — to determine the premium prices displayed on this page. These quotes come directly from Compare.com’s 10+ partner insurance companies across all 50 states and Washington, D.C., reflecting monthly pet insurance costs for both dogs and cats.
Unless otherwise specified, premium prices represent one-year rolling medians to account for market volatility driven by factors such as rising veterinary care costs and increased pet ownership.
Breed-level prices incorporate both mixed and purebred pets. To ensure reliability, a minimum of 8 quotes is required for dogs and 4 quotes for cats. Breeds with significant price deviations from the average are noted explicitly; other breeds are estimated based on average costs for all purebred pets.
Pets are grouped into three age brackets:
- Young: under 12 months
- Adult: 12 months to 7 years
- Senior: over 7 years
Coverage Limits
Dog premium averages reflect policies with annual coverage limits of $2,500, $5,000, $10,000, or unlimited.
Cat premium averages reflect policies with annual coverage limits of $2,500, $5,000, $7,000, $10,000, or unlimited.
For both dogs and cats, monthly premiums are segmented by:
- Deductible options: $250, $500, $1,000
- Reimbursement options: 70%, 80%, 90%
Sources
- MaineHealth. "Tick-Borne Diseases."
- STATE OF MAINE DEPARTMENT OF PROFESSIONAL AND FINANCIAL REGULATION BUREAU OF INSURANCE. "New Law Governing Pet Insurance."
- Maine Legislature. "Title 7: AGRICULTURE AND ANIMALS."
- Maine State Legislature. "Dogs."
- Maine Legislature. "Title 7: AGRICULTURE AND ANIMALS Part 9: ANIMAL WELFARE Chapter 723: FACILITY LICENSES."
- AVMA. "Insured pets received more care, more frequently."
