Who offers the cheapest cat insurance in Maine?

Pets Best also offers the cheapest cat insurance in Maine, with an average policy cost of $14 a month ($173 annually), according to our evaluation of rates. Figo and AKC rates are about average for cat insurance. 

Maine pet insurance considerations​​

When deciding if pet insurance is worth it or not, consider the following potential pet-health risks in Maine:

• Wildlife attacks. Moose, black bears, racoons and other wildlife can attack and injure a pet or spread diseases. 
• Toxins. The blue-green algae that forms in lakes and ponds in Maine can be toxic to dogs. 
• Disease. Lyme disease, rabies and parvovirus are all common in Maine. 
• Weather. Pets are at risk for heatstroke in the Maine summer months, and the cold temperatures in the winter present risk of hypothermia and injury.

A pet insurance policy can help you cover vet costs if your pet is injured or becomes ill. Adding a wellness plan to your policy can further protect your wallet by covering the cost of vaccines and preventive treatment like flea and tick medicine. 

How to choose the right insurance for your pet​

To choose the best pet insurance companies for you and your pet in Maine, consider the following strategies:

• Decide on coverage limits. Coverage limits determine the total amount your insurer will pay for covered costs over the course of the policy year. Though higher coverage limits may lead to slightly higher premiums, they may end up saving you in the long run. Some insurers, like Pets Best, Spot and Figo, offer an unlimited annual coverage limit option. 
• Think about the coverage benefits you need. Consider what benefits you want your pet insurance policy to include, like end-of-life expense coverage or a direct-to-vet payment option. 
• Choose a reimbursement level and deductible. Your reimbursement level determines how much your insurer will pay out on a claim, such as 70%, 80% or 90% of the total cost, up to your coverage limit. Your deductible is how much you pay out of pocket. Both will affect your out-of-pocket expenses and premium. 
• Compare companies. Comparing pet insurance companies will help ensure you get the best price for your coverage needs.

Maine pet insurance company summary