Get the Best Pet Insurance in Maryland in 2024

Sponsored by Figo Pet Insurance

If you're a pet owner in Maryland, you might be wondering about the best pet insurance options available to you. With a variety of plans on the market, each offering different levels of coverage, it’s important to understand what makes a good policy stand out.

In this detailed guide, we'll break down the costs, examine the differences among plans from leading insurers, and highlight key factors like coverage limits and exclusions specific to Maryland. By the end, you’ll have all the information you need to choose the best pet insurance policy for your furry friend in the Old Line State.

Summary: Best Maryland Pet Insurance Ratings

AKC Pet Insurance

Best for pets with pre-existing conditions

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

ASPCA Pet Insurance

Best for wide-ranging coverage

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Embrace

Best for flexible policy options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Felix

Best for cats

Max Annual Coverage

$15,000

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Figo

Best for reimbursement options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$750

Pets Best

Best for senior pets

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$50-$1,000

Pumpkin

Best for puppies and kittens

Max Annual Coverage

Unlimited

Reimbursement Choices

90%

Deductible

$100-$1,000

Spot

Best for straightforward waiting periods

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Comparison information is provided using publicly available information as of 10/31/2024 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing info@petplace.com.

How Much Does Pet Insurance Cost in Maryland?

According to our research, Maryland pet insurance costs an average of $40 per month. This gets you a plan with $5,000 in annual coverage, a $250 deductible, and an 80% reimbursement level. For unlimited annual coverage with the same deductible and reimbursement rate, it's $70 a month.

We calculated these figures by averaging the monthly costs from eight major pet insurance providers. To estimate typical expenses, we gathered quotes for a three-year-old, medium-sized, mixed-breed dog in two Maryland cities: Baltimore, a major urban center, and Bowie, an average-sized city for the state.

It's important to note that your own Maryland pet insurance cost will depend on factors such as:

• Annual limit, deductible, and reimbursement level. These are the three primary components that determine your monthly premium. The annual limit is the maximum amount the policy will pay out in a year. The deductible is the amount you pay out-of-pocket before the insurance starts to cover costs. The reimbursement level is the percentage of the covered costs the insurance pays after the deductible. Generally, the higher the annual limit and reimbursement level, the more expensive the policy will be.
• Breed and gender. Some breeds are more prone to certain health conditions than others, which can impact the cost of insurance. Additionally, some insurers may charge different rates based on the gender of your pet.
• Your location. Where you live can affect the cost of pet insurance. Urban areas tend to have higher premiums due to the higher cost of veterinary care in cities.
• Your pet’s age. Just like with human insurance, the younger your pet is when you enroll them in a policy, the lower the premium will be. As they age, premiums may increase.

Additionally, there are other factors that can affect the cost of pet insurance, such as pre-existing conditions, your pet’s lifestyle, and whether or not you choose to add on any optional coverage. That's why it's vital to compare pet insurance plans carefully and choose a policy that suits your budget and your pet's individual needs.

Cost of Pet Insurance for Dogs in Maryland

Per our research, the average cost of pet insurance for a medium-sized mixed breed dog in Maryland is $40 per month*. This is based on a policy with $5,000 of annual pet insurance coverage, a $250 deductible, and an 80% reimbursement level. A policy offering unlimited annual coverage, with a deductible of $250 and an 80% reimbursement rate, costs $70 monthly.

Cost of Pet Insurance in Maryland by Dog Breed

According to the American Kennel Club (AKC), the three most popular dog breeds of 2023 in the U.S. were the French Bulldog, Labrador Retriever, and Golden Retriever. Here are the monthly pet insurance rates you can expect to pay for these breeds in Maryland:

Cost of Pet Insurance for Cats in Maryland

Pet insurance for cats is significantly cheaper than dog insurance in Maryland. The average monthly cost for cat insurance in the state ranges from $17 to $48, depending on factors such as age, annual coverage, breed, deductible, plan type, and reimbursement amount**.

Cost of Pet Insurance in Maryland by Cat Breed

In 2023, the three most popular cat breeds in the U.S. were the Ragdoll, Maine Coon Cat, and Persian, according to the Cat Fanciers' Association (CFA). Based on our analysis of Maryland pet insurance, here are the average monthly rates for these breeds:

Cost Comparison for Pet Insurance Companies in Maryland

Types of Pet Insurance Plans

Pet insurance companies offer policies that cover a wide range of issues, from accidents and illnesses to routine care. Here's an overview of the most common types of pet insurance plans:

Accident and Illness

This type of policy typically covers unexpected accidents and illnesses, such as broken bones, cancer, and infections. It generally includes diagnostic tests, x-rays, ultrasounds, exam fees, hospital stays, surgeries, and prescription medications.

Coverage may also extend to treatments like prosthetic devices, mobility aids, and, in some cases, alternative therapies such as acupuncture or chiropractic care. Coverage for behavioral issues and insurance for senior dogs and senior cats can vary between providers and might not always be included in the base plan, requiring add-ons or separate policies.

Accident Only

Accident-only pet insurance policies are typically the most affordable plans available, covering injuries from accidents like cuts, broken bones, and sprains. This includes vet exams, diagnostic testing (x-rays, MRIs, ultrasounds), hospitalization (surgery and treatment), medications, and rehabilitation.

Wellness and Routine Care

Wellness and routine care plans help manage and offset the cost of preventive care to keep your pet healthy. These policies generally cover routine check-ups, vaccinations, dental cleanings, microchipping, deworming, spay/neuter surgeries, and flea and tick prevention. This type of coverage is often available as an optional add-on to an accident and illness policy.

Pre-Existing Conditions

Pet insurance providers traditionally do not cover pre-existing conditions, making this an essential factor for pet parents to consider when choosing a policy. A pre-existing condition is any health issue that your pet was diagnosed with or showed symptoms of before the start date of the insurance policy or during the waiting period.

However, some insurance companies distinguish between curable and incurable pre-existing conditions. For curable conditions, if your pet has been symptom-free and has not required treatment for a specific period – typically for 6 to 12 months before the policy start date – these conditions might then be eligible for coverage. In contrast, incurable conditions, such as chronic diseases or ongoing illnesses, are generally not covered at any point.

Review your sample policy from your provider for a full list of condition coverage and exclusions.

Reimbursement

Reimbursement rates dictate the percentage of the vet bill that will be paid back to you after you've met your deductible. Common reimbursement levels offered by pet insurance companies range from 70% to 90%. Keep in mind that higher reimbursement rates typically result in higher monthly premiums, so you'll need to find the right balance that works for your budget and needs.

Waiting periods are another vital component of pet insurance policies. They refer to the time between the start date of your policy and when coverage actually begins. Most pet insurance plans have a waiting period for both accidents and illnesses, which can range from a few days to several months.

Accidents usually have a shorter waiting period, often starting within 48 to 72 hours after the policy begins, while waiting periods for illnesses might last anywhere from 14 to 30 days or more. It's vital to note these periods because no claims can be made for accidents or illnesses that occur during the waiting period.

How to Find the Best Pet Insurance in Maryland

When choosing pet insurance in Maryland, it's important to be aware of the specific risks that affect pets due to the state's varied landscapes and weather.

Maryland's wooded areas are prime spots for ticks, which can transmit Lyme disease to pets. Keeping up with effective tick prevention measures is essential for keeping your pets healthy.

The state's numerous waterways and humid conditions also increase the risk of leptospirosis, a disease caused by bacteria that thrive in moist environments. This makes it important to protect your pets from potentially contaminated water sources.

Weather in Maryland can also pose risks, with cold winters that could lead to frostbite and hypothermia, and hot summers that might cause heatstroke. A good pet insurance plan will cover treatments related to these weather-related conditions, providing necessary care when it’s needed most.

Additionally, being close to Chesapeake Bay, pets may be exposed to harmful algal blooms. These blooms can release toxins that are harmful if ingested, so coverage for such environmental hazards is also something to consider in a pet insurance plan.

Selecting a comprehensive pet insurance plan that includes preventive care, emergency services, and coverage for specific regional risks will help ensure your pet's safety and wellbeing in Maryland.

Here are some important features to keep in mind when selecting the best pet insurance plan in the Old Line State:

• 24/7 vet helpline. Access to a 24-hour veterinary helpline for immediate advice on emergency care or general health questions can be incredibly valuable. This is especially important in a state like Maryland, where pets face unique risks and challenges.
• Direct vet payments. Some insurance providers offer the option to pay your vet bills directly, so you don't have to pay out of pocket and wait for reimbursement.
• Wellness and routine care coverage. Choosing a policy that offers wellness and routine care coverage can help offset the costs of preventive care.
• Waiting periods. Consider the waiting periods for accidents and illnesses to ensure you understand when coverage will begin.
• Vet exam fees coverage. Veterinary costs in Maryland can quickly add up, and having coverage for exam fees can lead to substantial long-term savings.
• Multi-pet discount. If you have multiple pets, look for providers that offer discounts for insuring more than one pet.

Maryland Pet Laws

Maryland's pet laws are designed to ensure the safety of both animals and their owners, fostering a responsible pet ownership culture across the state. Knowing these laws is essential for keeping your pets safe and complying with state regulations. Here's what you need to know:

• Dangerous dog laws. A "Dangerous dog" in Maryland is one that has, unprovoked, killed or severely injured a person, bitten someone, or severely injured another animal off its owner's property. Owners must securely enclose these dogs on their property or use a muzzle and restraint when in public. Violations could lead to a misdemeanor charge and a fine up to $2,500.
• Animal cruelty laws. Maryland prohibits any form of neglect or cruelty towards animals, which includes causing unnecessary physical pain or suffering. Owners must provide proper care including food, water, shelter, and medical attention. Neglecting these duties can lead to serious legal consequences.
• Pet adoption fees for veterans. To support veterans, Maryland waives the adoption fees for dogs and cats adopted by veterans at county or municipal animal control facilities. This benefit is limited to one dog and one cat per veteran every six months.
• Restrictions on selling animals. It's illegal to sell, transfer, or exchange dogs or cats in any public place in Maryland. This law aims to curb irresponsible pet sales and applies strictly to non-exempt entities. Fines for violations start at $500 and can reach up to $1,500 for repeated offenses.
• Pet protections during evictions. Effective from November 1, 2023, law enforcement officers must ensure that pets found during eviction proceedings are safely returned to their owners or taken to a shelter if the owner is unavailable.

Baltimore Pet Laws

Baltimore City, famous for its rich history and vibrant arts scene, values its animals and has specific rules to ensure their safety and wellbeing. Here are a few important animal laws that all pet owners in the city should be aware of:

• Leash laws. Dogs must be on a leash when in public areas. This law is in place to ensure the safety of both your pet and those around you.
• Restrictions on certain dog breeds. Baltimore has breed-specific legislation that restricts ownership of certain breeds, such as pit bulls. It's important to familiarize yourself with these laws to avoid potential legal issues.
• Pet licensing. Pet licensing is mandatory in Baltimore. Failing to obtain a license for your pet can result in fines and penalties. Make sure to keep your pet’s license up to date.
• Pet waste removal. Baltimore has strict laws regarding pet waste. Failing to clean up after your pet in public areas can result in fines. It's important to be a responsible pet owner and adhere to these laws.

Columbia Pet Laws

Columbia, located in Howard County, Maryland, is a community that loves its pets. To keep everyone safe and happy, Howard County has established some key pet laws. If you're a pet owner in Columbia, here's what you need to know:

• Leash law. Pets must be on a leash and under control by someone who can manage them when they're off your property. Also, you need to clean up your pet's waste whenever you're outside your own yard.
• Licensing. All cats and dogs in Howard County need an annual license. Pets with microchips, tattoos, or ear tags aren't required to wear a tag, but you still need to buy one. Make sure your pet wears its license tag on a collar or harness.
• Rabies vaccination. Keeping your pets vaccinated against rabies is essential. This rule applies to dogs, cats, and ferrets aged 4 months and older.
• Female animals in heat. If you have a female pet in heat, keep her indoors or in a secure outdoor enclosure. While it's not mandatory, spaying or neutering your pet is strongly advised.

Germantown Pet Laws

Germantown, situated in Montgomery County, is a great place for pets and their owners, with plenty of green spaces to enjoy. To ensure the safety of everyone, it's important to know the local pet laws. Here’s what you need to keep in mind:

• Rabies vaccination and licensing. Dogs and cats over 4 months old must be vaccinated for rabies and registered with a Montgomery County license. A rabies tag alone isn't enough – you need a separate license. Fines are $500 for vaccination violations and $100 for licensing issues.
• Leash laws and animal trespass. Owners must keep dogs leashed unless they're in a designated dog area, are service animals, or are involved in an approved event. This rule also applies to other animals like unaltered cats or livestock when off your property. First-time violators can be fined $100, increasing to $500 for further offenses.
• “Pooper scooper” law and unwanted contact. You must clean up after your pets in public spaces and prevent them from bothering other people or animals. Not doing so can result in a $100 fine. Aggressive behaviors like biting or jumping can lead to a $500 fine.
• Public nuisance laws and confinement conditions. Female pets in heat must be kept in a secure area. Ensure your pets don’t create unsafe or unsanitary conditions, or you could face fines. It’s vital to provide proper care including food, water, and shelter, with neglect leading to fines between $500 and $1,000, and possibly imprisonment.

Common Pet Risks in Maryland

Maryland's diverse environments and changing seasons bring specific challenges that pet owners should be aware of to keep their pets safe and healthy. From the humid summers on the coast to the colder, mountainous regions, each area presents unique risks. Here’s what you should watch out for in Maryland:

• Weather extremes. Maryland experiences a range of weather conditions, from hot and humid summers that can lead to heatstroke to chilly winters that may cause frostbite or hypothermia in pets. Ensuring that your pets have access to appropriate shelter and are not exposed to harsh conditions for extended periods is vital for their well-being.
• Wildlife encounters. With large areas of natural parkland and wildlife reserves, Maryland pets may encounter various wild animals. While not as common, pets might come across black bears, coyotes, or venomous snakes, especially in rural or forested areas. It's important to supervise pets outdoors to prevent confrontations with wildlife.
• Tick and mosquito exposure. Maryland's woods and wetlands are breeding grounds for ticks and mosquitoes, which can carry diseases like Lyme disease and heartworm. Using tick and mosquito preventatives year-round can help protect your pets from these parasites.
• Waterborne hazards. The Chesapeake Bay and numerous rivers and lakes in Maryland pose risks such as harmful algal blooms (HABs). These blooms can produce toxins that might harm pets if they drink from or swim in contaminated waters. Always keep an eye on local health warnings and prevent pets from accessing bodies of water with active algal bloom warnings.
• Hazardous plants. Pets in Maryland might encounter plants that are toxic if ingested. Common hazardous plants include English Ivy, Narcissus, and certain mushrooms, which can be found in both wild settings and local gardens. Educating yourself about toxic plants and keeping your pets away from them is essential.

Veterinary Costs in Maryland

According to Banfield Pet Hospital's Price Estimator, the average cost for a vet visit in Maryland is $81. However, costs will be higher for emergency care or specialized treatments. Here's an overview of vet visit costs in five cities across the state:

Best Pet Insurance by City in Maryland

As mentioned earlier, where you live can affect the cost of pet insurance. Here's an overview of the most affordable pet insurance providers in three major cities in Maryland:

Methodology

The PetPlace team compiled this guide through research and analysis of publicly available data. Some of the factors we considered include policy rates, waiting periods, the availability of a 24/7 vet helpline, and wellness routine care coverage. Our goal is to provide helpful information for pet owners in Maryland. However, we recommend conducting your own research, speaking to your vet, and considering your budget and your pet's specific needs before deciding on a pet insurance provider.

Best Pet Insurance in Maryland FAQs

Recommended Resources

• 7 Essential Tips for Choosing a Pet Insurance Policy That’s Right for You
• Compare and Contrast Pet Insurance Providers
• How Are Pet Wellness Plans Different from Pet Insurance?
• Is Pet Insurance Worth It for an Indoor Cat?
• Pet Insurance: What It Covers
• Pet Insurance for Kittens