Pet insurance cost by state / New England
Published state averages · checked October 20, 2026
What does pet insurance cost in Massachusetts?
Pawlicy Advisor's 2026 customer quotes put the median Massachusetts premium at $50.30 a month across all pets, the 14th highest of 51 states and DC. Insurify's May 2026 medians are $64 for a dog and $31 for a cat, and Forbes Advisor's Massachusetts average for a 3-year-old dog is $59 at a $5,000 annual limit.
- 1Pawlicy median, all pets $50.30/mo
- 2Insurify, dogs $64/mo
- 3Insurify, cats $31/mo
- 4Share of US insured pets 3.4%
Every published Massachusetts figure
| Source | What it measures | Monthly | Dated |
|---|---|---|---|
| Pawlicy Advisor | Median of customer quotes, all pets; middle half $35.96–$72.62 | $50.30 | October 15, 2026 |
| Insurify | Median of quotes, dogs | $64 | May 31, 2026 |
| Insurify | Median of quotes, cats | $31 | May 31, 2026 |
| Forbes Advisor | Average, dog aged 3, $250 deductible, 80%, $5,000 limit | $59 | October 1, 2026 |
| Forbes Advisor | Same dog, unlimited annual payout | $95 | October 1, 2026 |
The two large quote sets disagree on where Massachusetts stands: Pawlicy ranks it 14th of 51, Insurify's dog medians 2nd. They draw on different customers, insurers and dates, which is why this page shows both rather than one blended number. Pawlicy's all-pet median is 14% more than the median state ($43.97); Insurify's dog figure is 42% more than its median state ($45) and its cat figure 41% more than ($22). Forbes Advisor's $5,000-limit dog average is 37% more than the median of the 50 states it publishes ($43), and lifting the limit to unlimited adds 61% in Massachusetts.
Dogs versus cats in Massachusetts
A cat costs 48% of a dog's premium in Insurify's Massachusetts figures ($31 against $64). Nationally, NAPHIA's 2025 averages are $69.67 a month for a dog and $36.25 for a cat on accident-and-illness cover, so Massachusetts's Insurify dog median is 8% less than the national dog average. Accident-only plans are far cheaper: NAPHIA's 2025 averages work out to $15.83 a month for dogs and $9.33 for cats. Within the Pawlicy quotes for Massachusetts, the middle half runs from $35.96 to $72.62, a band 73% as wide as the median, because age, breed and coverage choices spread prices within one state.
How many Massachusetts pets are insured
NAPHIA's 2025 figures place 3.4% of all insured US pets in Massachusetts (8th of 51) and 4% of the premium written. Its share of premium is larger than its share of pets, so the average Massachusetts policy brings in more premium than the US average policy. Pet insurance is regulated by each state; the Massachusetts insurance department is the free route for checking an insurer's licence or filing a complaint, reachable from the NAIC directory.
Premiums against a vet bill in Massachusetts
Trupanion's published average claim for a torn cruciate ligament is $5,439. At Massachusetts's Insurify dog median of $64 a month and a policy with a $250 deductible and 80% reimbursement, the policy pays $4,151, the owner pays $1,288 of the bill plus $768 in premiums: $2,056 for the year against $5,439 uninsured. With no claim the premiums are simply spent. The break-even bill is $1,210 a year for a dog and $715 for a cat at the Insurify medians. Run other terms in the calculator or read deductible versus reimbursement.
Neighbouring states
Connecticut: $55.85 (Pawlicy), $54 dog and $28 cat (Insurify); New Hampshire: $55.70 (Pawlicy), $55 dog and $26 cat (Insurify); Maine: $44.52 (Pawlicy), $51 dog and $26 cat (Insurify); Vermont: $42.05 (Pawlicy), $52 dog and $22 cat (Insurify); Rhode Island: $39.78 (Pawlicy), $37 dog and $16 cat (Insurify). Across all states Pawlicy's highest median is Hawaii ($64.01) and the lowest Alaska ($28.02).
No source publishes breed premiums for individual states, so breed pages show national figures: for example Pekingese, Bichon Frise, the mixed-breed dog and the mixed-breed cat.
Sources: Pawlicy Advisor (updated October 15, 2026), Insurify (Rates current as of May 31, 2026), Forbes Advisor (Audited and verified Oct 1, 2026), NAPHIA State of the Industry 2026, Trupanion claims examples. Last checked October 20, 2026. Method on the methodology page.