6 Best Maine (ME) Pet Insurance Plans Compared in 2022

Updated on by Matthew H. Nash – Licensed Insurance Agent

Between deciphering the confusing policy language and figuring out which insurance provider is best, purchasing pet insurance in Maine can be daunting. As a lifelong pet parent and licensed Maine insurance agent, I’ve done all the research to save you time and stress. Whether you live in Portland, Bangor, Millinocket, Kingfield, or somewhere in between this article has you covered. Read more about our unbiased ranking methodology and advertiser disclosure.

Top ME Pet Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best pet insurance providers in Maine. The average monthly Maine-specific prices shown are based on a healthy 2-year-old Labrador Retriever with a $500 deductible and 90% reimbursement amount who is located in Maine with a 04108 zip code. Costs may vary based on age, location, coverage amount, and depending on the breed of your puppy. Prices are accurate as of September 2021 and are subject to change. For the most up-to-date information, please visit the provider website.

4.7
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Maine pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN MAINE

$29.67/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Maine 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
4.6
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Maine pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN MAINE

$39.17/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
4.4
  • 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 IN MAINE

$51.43/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • ASPCA is one of the most trusted names in the pet insurance industry. They have paid out almost $350 million dollars in claims since 2006
  • ASPCA is unique in that they offer affordable “accident-only” plans in addition to their preventative care coverage. Also, you can save 10% for multiple eligible pets
  • Founded in 1997 and underwritten by Crum & Forster
4.4
  • 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 IN MAINE

$72.90/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
BENEFIT

$10,000

  • Pumpkin Pet Insurance plans have extensive coverage and they always have a 90% reimbursement rate
  • They 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
4.3
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Maine pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN MAINE

$60.67/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
4.2
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Maine pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN MAINE

$72.16/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

figo
4.7
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Maine pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN MAINE

$29.67/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Maine 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

How much does dog & cat insurance cost in Maine for the 15 most popular breeds?

The price for Maine pet insurance is almost always the same throughout the state including in Rangeley, Bangor, Skowhegan, Lewiston, Kittery, or Portland, etc. However, the prices will vary based on the age, health, and breed of your puppy.

All prices shown below are based on a 90% reimbursement rate with a $500 deductible and a $5,000 annual benefit from Figo pet insurance. Please note: these prices should only be treated as a rough guide as of September 2021 and are subject to change. If you’re looking for the most up-to-date cost of pet insurance in Maine we suggest getting a quote directly with Figo or Wagmo.

Dog Insurance Prices in Maine:

  1. Mixed Breed – $21.79/ mo
  2. Labrador Retriever – $29.67/ mo
  3. Golden Retriever – $29.60/ mo
  4. German Shepherd – $32.00/ mo
  5. Goldendoodle – $25.75/ mo
  6. Chihuahua – $13.55/ mo
  7. Siberian Husky – $29.75/ mo
  8. Yorkshire Terrier – $18.71/ mo
  9. American Pit Bull Terrier – $32.93/ mo
  10. Australian Shepherd – $20.48/ mo
  11. Dachshund – $19.32/ mo
  12. Shih Tzu – $17.21/ mo
  13. French Bulldog – $40.73/ mo
  14. Boxer – $40.91/ mo
  15. Labradoodle – $25.75/ mo

Cat Insurance Prices in Maine:

  1. Mixed Breed – $12.66/ mo
  2. American Shorthair – $14.96/ mo
  3. Bengal – $14.96/ mo
  4. Bombay – $14.96/ mo
  5. British Shorthair – $14.96/ mo
  6. Exotic – $14.96/ mo
  7. Himalayan – $14.96/ mo
  8. Maine Coon – $15.79/ mo
  9. Persian – $15.79/ mo
  10. Ragdoll – $15.79/ mo
  11. Russian Blue – $14.96/ mo
  12. Scottish Fold – $15.79/ mo
  13. Siamese – $15.79/ mo
  14. Sphynx – $15.07/ mo
  15. Abyssinian – $15.07/ mo

Not finding your specific pet breed? Figo pet insurance is our #1 recommendation for Maine and they’ll be able to give you a quick quote for your exact needs.

Maine Pet Insurance FAQs

What is pet insurance? Why is it useful in Maine?

To protect your pet to the fullest via insurance, you’ll need to apply for a policy and pay the monthly premiums to keep it active. Should your little pal become ill or have an accident, you will need to pay for the vet services upfront. Then, you can submit a claim to your insurance provider for reimbursement. One thing to keep in mind is that pet insurance companies tend to exclude pre-existing conditions. This is one of the biggest reasons we suggest getting your pet insured while still a juvenile.

Since Maine has some of the highest vet bills in the country, pet insurance can be beneficial. For example, cancer treatments alone can exceed $10,000. Uninsured pet owners often have to make the difficult decision to put their animals down because they can’t afford the needed treatments. Pet insurance is there to prevent such heartache.

When can I get my pet insured?

Most pet insurance companies require cats and dogs to be at least 8 weeks old to provide coverage. (For other pets, inquire with your insurance provider.) Usually, the younger the animal, the cheaper the insurance. We think it is always a good idea to get your pet insured before its first birthday. However, the good news is that there is no age limit for applying for pet insurance.

Is it worth getting pet insurance in ME?

You’ll have to decide if paying monthly insurance premiums will offset potential, expensive bills in the future. As noted earlier, Maine has some of the most costly veterinary rates in the country. And with emergency visits often running upwards of $3,000, buying pet insurance may make a lot of sense for you and your furry friend.

What does pet insurance cover and exclude?

Pet insurance coverage tends to differ from provider to provider, but they will typically cover any illness or accident deemed “sudden and catastrophic.” Some examples might include respiratory infections, kidney disease, broken bones, and urinary tract issues. However, if your pet has a specific condition when you apply for insurance, it will be listed as a pre-existing condition on your policy. Treatments for pre-existing conditions are not eligible for reimbursement. However, a nice bonus is that many pet insurance companies now offer “wellness” packages that you can add to your policy. Such packages cover preventive and routine care, such as annual physical exams, vaccinations, and heartworm detection.

How does reimbursement work?

Let’s say your pet needs an emergency surgery that costs $7,000, and you have a policy with a 90% reimbursement amount, a $20,000 annual maximum benefit, and a $250 deductible. In this situation, you would pay the vet bill in full, and then you would submit a claim for your insurance provider to reimburse you $6,300 less your $250 deductible. As a result, you would only have to pay $950 of the original $7,000 cost. The one company that is an exception to this is Trupanion, which pays vets in their network directly, which saves you the hassle and potential stress of having to cover the total cost upfront.

Which is better: a higher or lower deductible?

What you choose for a deductible boils down to two things: personal preference and your financial circumstances. In general, a lower deductible means you will have higher monthly payments but will pay less in an emergency. The reverse is true for a higher deductible. That is, you will have lower monthly payments but higher out-of-pocket expenses for urgent treatment. Again, what you choose will be based on your situation, but most people prefer a $250 or $500 deductible.

Does Maine have any restricted breeds for homeowners insurance?

There usually aren’t any for cats regarding breed restrictions for homeowners insurance, but there are some for dogs. These may include, but are not limited to:

  • Akitas
  • Chow Chows
  • Doberman Pinschers
  • German Shepherds
  • Great Danes
  • Rottweilers
  • Siberian Huskies
  • Wolf Hybrids

Regardless of the type or breed of animal you may want for a pet, it’s always a good idea to contact your local home insurance provider to determine what your policy includes or excludes and whether you’ll need a specific liability rider.

5 Useful Strategies for Keeping Your Pet Safe & Healthy in Maine

The outdoors of Maine is an excellent place in which well-cared-for pets can thrive and enjoy nature. When it comes to pet health and safety, there is a lot to keep in mind, primarily because Maine has four distinct seasons and various predators.

1. Get your pet vaccinated for rabies

Rabies may be under control in Maine, but it is still a concern. Raccoons and grey foxes tend to be the greatest offenders when it comes to spreading the disease. Any vet will be able to vaccinate your pet. Keep in mind, many animals and shelters vaccinate animals for rabies. It is always worth double-checking, though.

2. Treat your pet for fleas and ticks

Maine has one of the fastest-growing tick populations in the country, posing a severe concern to pet owners. You can purchase either natural or conventional tick treatments, and both tend to be available as spot-on treatments or collars.

3. Protect your pet from predators

Coyotes and foxes are some of the most common predators in Maine for dogs and cats. To reduce the risk of attacks, ensure your pets are indoors before sunset. If you do let them out at dusk, it’s always a good idea to join them.

4. Keep your pet hydrated

Proper hydration helps prevent life-threatening urinary blockages and other ailments, especially during Maine’s hot and humid summers. Keeping fresh water readily available for your pet is always a good idea, but feeding them hydrating foods is even better. This is especially true for cats since they are not natural water drinkers. Adding a bit of water to your cat or dog’s dry or wet food can improve hydration. The water brings out the flavors, and the body quickly absorbs moisture taken in with food.

5. Be careful of salted roads and sidewalks

Winter in Maine is beautiful, but it can be a cold and icy affair. Sidewalks and streets in this most northeastern state are heavily salted. The salt can burn or irritate your pet’s paws. For cats, the best option may be to keep them inside on icy days. And for dogs, buying them a set of boots so they can continue their walks throughout winter might be a good idea. (Doggy jackets are available too!)

5 Unique Pet Rescue Shelters in Maine

If you’re interested in getting a new pet in Maine, consider adopting from one of Maine’s many unique shelters and sanctuaries. Here are a few to help you start your search for a furry companion:

1. Harvest Hills Animal Shelter in Fryeburg, ME

This wonderful no-kill shelter for dogs and cats is located in the southwestern part of the state. All animals at Harvest Hills are socialized, and their personalities and behaviors are assessed to best match them with forever homes.


2. Animal Refuge League of Greater Portland in Westbrook, ME

The ARLGP rehomes cats and dogs in Maine every year. IDEXX serves as their corporate partner. Together they work to bring rescue animals from all over the country, including Puerto Rico, to Maine for medical treatment and rehoming with loving, responsible people.


3. Pope Memorial Humane Society in Thomaston, ME

Pope Memorial is a no-kill Humane Society that prides itself on successfully matching pets with nurturing, kind people. They provide medical treatment, socialization, and much-needed love for abandoned, neglected, homeless, and abused animals.


4. The Ark Animal Shelter in Cherryfield, ME

Since opening in 1984, The Ark offers displaced animals medical treatment, love, and a forever home at the shelter if they are never adopted. Similar to Pope Memorial, they have a strict no-kill policy. Euthanization is only used if an animal has a severe physical or behavioral issue that cannot be resolved.


5. HART in Cumberland, ME

HART is a refuge for cats located in southern Maine. Veterinarians provide complete medical treatment for all cats brought to HART, and volunteers shower them with affection and plenty of socialization time. All cats live in cage-free, open-room settings with small groups of other cats, which allows them to live more natural and playful lives.


Conclusion

As you can see, finding the best pet insurance in Maine for your furry friend is a lot easier than it may have seemed initially. We recommend getting a policy in place once your pet turns 8 weeks old. Acting early will get you the best prices and the least restrictions regarding what you’ll be able to claim for reimbursement. Our comprehensive research shows that Figo pet insurance consistently performs the best and has the lowest monthly premiums.

SwiftScore Ranking Methodology for Maine

We ranked the best pet insurance policies in Maine based on a variety of important factors including the following:

  • Average monthly price for a 2-year-old Labrador Retriever with a $500 deductible located in Maine with a 04108 zip code
  • 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