7 Best Pet Insurance Companies in Maryland: 2022

Maryland is known for its blue crab and baseball, but it also has access to many pet insurance providers. If your dog gets sick or your cat breaks a bone, a pet health insurance policy ensures that you won’t have to cover the full cost of your pet’s veterinary bills.

We at the Home Media Critics Team have researched best pet insurance companies across the United States, comparing coverage details, exclusions, costs and unique benefits. We then compiled our most recommended vendors for pet owners in Maryland.

The 7 Best Pet Insurance Companies in Maryland

Here are our top seven picks for the best pet insurance companies in Maryland based on our research.

Lemonade: the most affordable packages

To learn more: Lemonade Pet Insurance Review

Get your quote: Visit the Lemonade website

To learn more: Spot Pet Insurance Review

Get your quote: Visit the Spot website

Healthy Paws: Our pick for affordable unlimited coverage

To learn more: Healthy Paws Pet Insurance Review

Get your quote: Visit the Healthy Paws website

Figo: the most flexible reimbursement rates

Get your quote: Visit the Figo website

Embrace: our choice to save money

To learn more: Embrace Pet Insurance Review

Get your quote: Visit the Embrace website

Fetch: our choice for therapeutic coverage

To learn more: Retrieve pet insurance exam

Get your quote: Visit the Fetch website

Trupanion: the most flexible blanket

To learn more: Trupanion Pet Insurance Review

Get your quote: Visit the Trupanion website

Types of Pet Insurance Plans

Most providers offer three coverage options:

  • Only in the event of an accident: An accident-only plan covers accident-related injuries such as broken bones, torn ligaments, swallowed objects and lacerations. It does not cover illness-related costs.
  • Accident and illness: This plan covers accidental injuries as well as treatments, tests, medications, hospital stays, specialist care and procedures related to conditions such as cancer and diabetes.
  • Preventive care supplements: Standard vendor plans generally do not cover routine veterinary care such as annual exams, dental cleanings and vaccinations. However, some companies offer optional modules for this coverage for an additional monthly fee.

How to Choose the Right Pet Insurance Provider

Consider the following factors when deciding which pet insurance provider is right for you.

  • Your budget: Your instinct as a pet parent may be to get the maximum coverage available, but be aware of the costs. Some providers offer preventative coverage as an add-on for an additional fee, while others include preventative care in their base plans, saving you money. Consider what your pet needs and what might be nice to have, and look for providers with flexible deductibles, coverage limits, and reimbursement rates to customize your monthly premium.
  • Your pet’s needs: There’s no point in buying an insurance policy that doesn’t meet your pet’s needs. Consider if your pet is prone to certain hereditary conditions and make sure your selected plan covers them.
  • Personalization: What are your additional packages and options? How much can you adjust your coverage limit, deductible and reimbursement rate? Consider that you may want to make adjustments later if your financial situation changes.
  • Excludes: Remember to research what is not covered by your plan. What is your provider’s policy on pre-existing conditions? Is there a maximum age to register?

Bottom Line: Which is the Best Pet Insurance Company in Maryland?

Maryland offers many pet insurance providers. The right one depends on your budget and the level of cover you want. We’ve carefully reviewed each provider on this list and included their pros and cons. Use the tips above to determine which vendors are best for you, and get a quote from at least three companies to compare prices. You can also call the vendors and speak to a representative if you have questions or want more details than what’s available online.

Compare Pet Insurance Providers in Maryland

See how these Maryland pet insurance providers compare based on data collected through our secret shopping process.

*The monthly cost from each provider is based on accident and sickness insurance premiums from quotes we obtained for 4-year-old medium-sized dogs in Salisbury, MD. Pricing may vary depending on your pet’s age, breed and location. recommend getting quotes directly from the companies for the most accurate cost information.

Methodology: Our Ranking System of the Best Pet Insurance Companies

Our review of pet insurance companies is based on extensive industry research that includes reading hundreds of customer reviews, simulating the quote and buying process, talking to representatives by phone to rate customer service experience and survey of 1,000 dog and cat owners nationwide to determine the most important elements of pet insurance coverage.

We rated each vendor on a 100-point scale based on these elements. We then divided the points earned for each vendor’s final score on a 5-point scale.

Here are more details on each factor and how they are weighted:

  • Monthly fee (25 points): The amount each company charges for their pet insurance plans is an important part of a customer’s decision. The best pet insurance companies combine comprehensive coverage and plan options with affordable rates.
  • Diets (15 points): The best pet insurance companies offer accident and sickness insurance plans, accident-only plans, and wellness or preventative care supplements to give customers the flexibility to choose the plan. that is best for their pet.
  • Treatments covered (15 marks): With this factor, we rated companies based on the treatments and procedures they cover. Companies with a wide range of included treatments and unique coverages received more points than providers with more standard or general policies.
  • Customization options (10 points): Customizing your policy is a valuable way to ensure that you only pay for what your pet needs. Providers with more annual limit, deductible and reimbursement rate options scored higher.
  • Customer service (10 points): We rated companies on the accessibility and overall usability of their website, availability of customer service, mobile apps (if applicable), money back guarantees and veterinary telehealth options, awarding points to insurers with more customer experience offerings.
  • Industry reputation (10 points): To determine each company’s reputation in the industry, we reviewed up-to-date ratings and accreditation information from the Better Business Bureau (BBB) ​​and rated companies on their years of industry experience and their availability in the state.
  • Waiting times (10 points): Companies with shorter accident, sickness and orthopedic wait times between the date of enrollment and the start date of coverage scored higher than companies with longer waiting times. longer waits.
  • Eligible age (5 points): Some companies don’t offer policies for pets over a certain age. We have deducted points from providers who have age limits for covered pets.

We use our rating system to compare and contrast each company on key factors to help us determine the best pet insurance companies in the industry. Additionally, we keep our research up-to-date and review our reviews regularly.

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