6 Best Massachusetts (MA) Cat Insurance Plans Compared 2022

Updated on by Matthew H. Nash – Licensed Insurance Agent

The Commonwealth of Massachusetts is home to the Boston Red Sox, the Freedom Trail, and some of the best clam chowder spots in the Northeast. Unfortunately, like every other state in the United States, Massachusetts is also home to expensive veterinary care.

The idea of their cat falling ill is pretty scary for cat owners because there is anxiety around the cat’s well-being and how much sufficient treatment will cost. However, cat insurance, medical coverage for cats, is available to cat owners to help with the latter. Cat insurance is available across the Commonwealth, including out west in the Berkshires, down on Cape Cod, and deep in the heart of Boston. Not sure how to get started with enrollment? Don’t worry, as a licensed Massachusetts insurance agent and cat owner, I will inform you of what you need to get your furbaby covered.  Read more about our unbiased ranking methodology and advertiser disclosure.

Top Massachusetts (MA) Cat Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best Massachusetts (MA) Cat insurance providers. The average monthly specific prices shown are based on a healthy 2-year-old Massachusetts (MA) Cat with a $500 deductible and 90% reimbursement amount who is located in California with a 90210 zip code. Costs may vary based on age, location, and the coverage amount. Prices are accurate as of January 2022 and are subject to change. For the most up-to-date information, please visit the provider website.

4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR MASSACHUSETTS (MA) CATS

$16.08/mo

REIMBURSEMENT AMOUNT

80%

ANNUAL
 BENEFIT

$8,500

  • Eusoh is not your typical pet insurance company but instead is a vet expense sharing community
  • Ideal for young, healthy pets and premiums vary depending on the amount of claims submitted in any given month
  • Founded in 2017, Eusoh is a community based subscription service supported by its members
pumpkin logo
4.8
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR MASSACHUSETTS (MA) CATS

$26.28/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$10,000

  • Pumpkin Pet Insurance plans have extensive coverage and they always have a 90% reimbursement rate
  • Pumpkin Pet Insurance plans have no breed or upper age restrictions, and dental illness and hereditary conditions are covered at no extra cost
  • Founded in 2020 and underwritten by United States Fire Insurance Company
4.7
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR MASSACHUSETTS (MA) CATS

$22.07/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Massachusetts (MA) Cat vets via video chat 24/7
  • They also have an easy-to-use pet records app and real-time claims tracker
  • Founded in 2013 and underwritten by Independence American Insurance Company
4.7
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR MASSACHUSETTS (MA) CATS

$34.29/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

Unlimited

  • Trupanion is the only provider on our list that has an unlimited annual benefit with no payout limits
  • They are unique in that they offer “Vet Direct Pay” instead of reimbursements
  • Founded in 1999 and underwritten by American Pet Insurance Company
4.6
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR MASSACHUSETTS (MA) CATS

$31.59/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • They offer up to 100% reimbursement with a $20,000 annual maximum benefit for a reasonable fee and have fast reimbursement options
  • Wagmo Wellness plans reimburse you for the routine and preventative care you do for your pets annually
  • Founded in 2017 and underwritten by National Specialty Insurance Company
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR MASSACHUSETTS (MA) CATS

$33.75/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Their “Healthy Pet Deductible” allows your annual deductible to go down by $50 each year that you don’t receive an insurance claim reimbursement
  • Embrace paid 93% of claims in 2019 and their member portal is user-friendly
  • Founded in 2003 and underwritten by American Modern Insurance

eusoh
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR MASSACHUSETTS (MA) CATS

$16.08/mo

REIMBURSEMENT AMOUNT

80%

ANNUAL
 BENEFIT

$8,500

  • Eusoh is not your typical pet insurance company but instead is a vet expense sharing community
  • Ideal for young, healthy pets, and premiums vary depending on the amount of claims submitted in any given month
  • Founded in 2017, Eusoh is a community based subscription service supported by its members

Massachusetts (MA) Cat Insurance FAQs

What is cat insurance? Why do I need it in Massachusetts?

Cat insurance is essentially medical insurance for felines. Most cat insurance plans use a reimbursement-based model, which means that after a vet treats a cat and the owner receives a bill, the owner pays the bill in full, but then can submit a request to be reimbursed for a portion of the bill by the insurance company. You need to pay a monthly premium to keep the policy active.

Having cat insurance in Massachusetts is beneficial to cat owners due to the price of veterinary care. Some cat owners face out-of-pocket costs of thousands of dollars in veterinary bills without cat insurance, which can damage one’s finances, especially when these bills are unexpected.

Are there any age requirements or restrictions?

It is common for cat insurance plans to impose certain age requirements to qualify for cat insurance. One of the most common age requirements is that kittens be at least 6 weeks old prior to enrolling in coverage. Other plans require that kittens be at least 8 weeks old.

The good news is that cat insurance plans rarely have age limits, and once a cat is enrolled in a plan, they are covered for life as long as the policy remains active.

Do all vets accept cat insurance?

The difference between human health insurance and cat health insurance is that vets do not need to be “in network” with insurance plans. Cats can receive medical care anywhere because veterinary bills are sent to the cat owners first before insurance plans become involved.

What does cat insurance cover?

Most cat insurance plans provide coverage for sudden illness and injuries. As long as the condition being treated is deemed an “unexpected ailment,” cat insurance will cover a portion of the cost of care.

Some cat insurance plans may also cover additional services, such as preventative care, medical testing/imaging, and prescriptions.

The only common exclusion from coverage is any medical care that is provided for pre-existing conditions.

How does reimbursement work?

To be reimbursed for a vet bill, all you need to do is submit a reimbursement request along with a copy of your veterinary bill to your insurance provider. Then, your insurance provider will calculate the amount that you will be reimbursed based on your deductible, your reimbursement rate, and your annual maximum amount.

For example, if you have a 90% reimbursement rate, you will be reimbursed 90% of the amount on the vet bill, minus your deductible.

Should I enroll in a plan with a lower deductible?

A plan with a lower deductible usually means a higher monthly premium but also a higher reimbursement amount. However, there is no right or wrong for a deductible amount.

Are there any restricted cat breeds for homeowners insurance in Massachusetts?

It is unusual for any cat breeds to be excluded by homeowners insurance. Any restricted pets for homeowners insurance usually applies to certain dog breeds.

5 Useful Strategies for Keeping Your Cat Safe & Healthy in Massachusetts

In addition to enrolling your kitty in cat insurance, there are many additional ways to keep your cat healthy for as long as possible.

1. Keep Your Cat Up-To-Date on Vaccines

Vaccinations help protect your cat and other animals from serious diseases that could be fatal. To make sure that your kitty is up-to-date on necessary vaccinations, talk with your cat’s veterinarian.

2. Stay inside on hot and cold days

Massachusetts experiences bitter cold winters and scorching hot summers. Make sure to keep your cat comfortable and safe inside during both weather extremes. Cats can become easily dehydrated on hot days and cold conditions can be tough on their paws.

3. Coyotes and other wildlife

Surprisingly, coyotes and other predators call Massachusetts home. If your kitty enjoys spending time outside, make sure to keep an eye on its whereabouts to avoid potentially dangerous run-ins with coyotes.

4. Ensure Proper Nutrition

Proper nutrition is key in helping your kitty stay healthy. Cats usually need a combination of wet and dry food (wet food helps with hydration) and food rich in protein and vitamins. We suggest talking with your cat’s vet for recommendations on the best food brands.

5. Toys and Play

Even though many cats prefer independent play, all kitties benefit from exercise, play, and stimulation. To encourage regular play, one tip is to provide your kitty with access to toys so that he or she can play whenever the desire strikes.

Conclusion

Veterinary care can be quite expensive, but cat insurance is a way to assist cat owners in paying for the proper medical care that cats need. All you need to do is find a plan that is right for you and your cat, make a monthly payment, and you are all set! No cat owners should have to choose between their bank account and their beloved cat. With cat insurance, you won’t have to.

Ready to get started? After countless hours of research, we’ve found that Eusoh pet insurance consistently performs the best with the lowest monthly premiums.

SwiftScore Ranking Methodology for Massachusetts (MA) Cats

We ranked the best pet insurance policies for Massachusetts (MA) Cats based on a variety of important factors including the following:

  • Average monthly price for a 2-year-old Massachusetts (MA) Cat with a $500 deductible located in the 02136 zip code (Please note: prices will vary greatly based on your location)
  • Coverage and benefits
  • Key policy details including accidents and illnesses, surgeries, annual check-ups, cancer treatment, lab tests, and more
  • AM Best rating of the underwriter
  • Reimbursement percentage
  • Annual benefit amount
  • Technology and user experience
  • Ease of sign up
  • Policy language clarity
  • User reviews

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