Pet Insurance in Massachusetts

Pet insurance helps cover unexpected veterinary costs if your dog or cat becomes sick or injured. You typically pay the vet bill upfront, then file a claim for reimbursement (depending on your coverage).

Not sure what’s covered or how reimbursement works? Contact our office and we’ll explain the process step by step.

Most policies cover:

• Accidents and injuries
• Illnesses (like cancer, infections, or chronic conditions)
• Medications
• Diagnostic tests (X-rays, bloodwork, etc.)
• Surgeries and hospitalizations

Some plans also offer optional wellness coverage for routine care, vaccines, and checkups. Reach out to us to see which type of coverage fits your pet’s needs.

Pet insurance typically does not cover:

• Pre-existing conditions (illnesses or injuries your pet had before coverage started)
• Preventive care, unless added through a wellness plan
• Cosmetic procedures (ear cropping, declawing, etc.)
• Breeding-related costs

We always recommend reviewing the exclusions section carefully. Have questions? Call us directly so we can help you understand what’s included.

Premiums depend on your pet’s age, breed, species, and location, as well as the coverage level you choose. On average, dog insurance costs more than cat insurance, and premiums may increase as your pet gets older.

Want a personalized quote for your furry friend? Contact our team—we’ll help compare options.

Yes, for many pet owners. Veterinary bills for emergencies or major illnesses can run into the thousands of dollars. Pet insurance helps protect your finances and ensures you never have to choose between cost and care.

If you’re on the fence, call us and we’ll run through some real-life scenarios to show the value.

The earlier, the better! Most plans exclude pre-existing conditions, so enrolling your pet while they’re young and healthy ensures maximum coverage as they age.

Not sure if now is the right time? Reach out to us—we’ll help you weigh the benefits.

Not by default. Standard accident/illness plans don’t cover routine care, but many insurers offer optional wellness add-ons that do include vaccinations, flea/tick prevention, and annual checkups.

If you’d like routine care covered, contact us and we’ll help you choose the right plan.

Yes—most pet insurance policies let you visit any licensed vet in the U.S. You pay the bill, then file for reimbursement. There are usually no networks to worry about.

Still, some carriers handle claims faster than others. Call us and we’ll guide you toward plans with the smoothest claim processes.

Many plans do, as long as the condition is not pre-existing. For example, hip dysplasia, diabetes, or allergies may be covered if diagnosed after your policy starts.

Since this varies by company, contact our office so we can help you choose a policy that covers hereditary risks common to your pet’s breed.

Filing is simple:

Pay your vet bill

1. Gather your invoice and medical records
2. Submit your claim online or through the insurer’s app
3. Get reimbursed based on your coverage and deductible

If you ever need help, call us first—we’ll walk you through the claims process and make sure you get the benefits you’re entitled to.