Best Pet Insurance In Maryland: Companies Reviewed In Baltimore, Rockville, And More

This content was reviewed by our licensed insurance agent, Michelle Schenker.

To keep the lights on, we receive affiliate commissions via some of our links. Our review process.

Maryland is more than baseball teams and the infamous blue crab. It’s full of pet lovers like you who want the best for their pups! That means pet insurance is on your mind. But what company offers the best pet insurance in Maryland, and what should you consider when choosing a plan? Learn this, as well as some interesting stats about Maryland and the popular breeds you’ll see in your state.

All of our top-ranked pet insurance providers offer coverage in Maryland, so you have many options from which to choose. Your monthly premium (aka price) is based on your dog’s breed, zip code, pre-existing conditions, and more.

Cute Corgi puppy sits on pier looking ahead - Baltimore, Maryland
Pet Insurance RankingBest Overall*Best ValueFastest Claim ProcessingBest CoverageBest Newcomer
CompanyPets BestFigoHealthy PawsEmbraceLemonade
Policy CoverageExtensiveExtensiveMore LimitedExtensiveMore Limited
Customer Service & ReputationGoodExcellent, StableExcellent, StableExcellent, StableUncertain, New
Claim Processing (avg)7-14 Days3 Days2 Days5 Days2 Days
Vet Direct Pay Option
Policy Price (avg)LowerLowerVariableHigherAverage
Plan CustomizationsMany OptionsMany OptionsRestricted OptionsMany OptionsMany Options
 Read ReviewRead ReviewRead ReviewRead ReviewRead Review
*Not currently available in California.

A dog’s breed is one of the determining factors for your pet insurance policy cost. Below is a ranking of the three most popular dog breeds in Maryland.

  1. Labrador Retrievers
  2. German Shepherds
  3. Golden Retriever

What Are The Most Popular Dog Breeds In Baltimore?

These are the most popular dog breeds in Baltimore, Maryland’s largest and most populous city:

  1. Cockapoo
  2. Rottweiler
  3. American Staffordshire Terrier
  4. American Pit Bull Terrier
  5. Pembroke Welsh Corgi

How Much Is Pet Insurance In Maryland?

Pet insurance pricing is based on your pet’s details (e.g., age, breed, location, etc.). According to NAPHIA (North American Pet Health Insurance Association), the average monthly premium for an accident and illness dog insurance policy in the U.S. in 2022 was $53.34 ($32.25 for cats).

Since prices vary based on where you live as well as your pet’s unique characteristics, the best way to determine how much it would cost you is to complete our quick pet insurance quote form and get real estimates for your pet from several top providers. This allows you to see how companies compare price-wise. With most companies, you can also adjust your monthly premium to better meet your needs. Reducing the deductible, reimbursement percentage, and annual payout can lessen it to better fit a lower budget.

Once you have your customized price quotes, you may wonder how coverage varies among the different companies. Our pet insurance comparison includes multiple charts to help you see key differences between coverage, waiting periods, age limitations, and more.

Which Maryland Cities Are Most Pet Friendly?

Maryland as a state ranks 34th for its overall pet-friendliness. It scores slightly above average for pet-friendly restaurants per 100,000 residents (2.2), and 49% of the Free State’s residents are pet owners.

Baltimore is among the most pet-friendly cities compared to the 100 largest U.S. cities. Baltimore ranks as being:

  • The 99th most pet-friendly U.S. city.
  • 80th for pet budget*.
  • 97th for pet health and wellness**.
  • 61st for outdoor pet-friendliness***.

*Pet budget was determined by considering vet care costs, minimum pet-care provider rate per visit, and dog insurance premiums.
**Pet health and wellness was determined by considering veterinarians per capita, pet caretakers per capita, animal trainers per capita, pet businesses per capita, dog-friendly restaurants per capita, dog-friendly shops per capita, pet meetup groups per capita, doggie daycare and boarding establishments per capita, pet-friendliness of rental markets, average home square footage, share of single-family detached homes, share of homes with one or fewer occupants per room, animal shelters per capita, and strength of animal protection laws.
***Outdoor pet-friendliness was determined by considering weather, dog parks per capita, parkland as a share of the city area, walk score, dog-friendly trails per capita, and dog shows per capita. 

Pet Insurance Claim: Cost And Reimbursement From A Maryland Customer

Person on computer checking pet insurance quotes (Caption: Save Money on Vet Bills; Button: Get Free Quotes)

Below is a real-life pet insurance claim from a Healthy Paws pet insurance customer in Maryland.

  • Location: Rockville, MD
  • Condition: Cataract Surgery
  • Total Vet Cost: $4,017
  • Reimbursement: $3,515
  • Amount Customer Paid: $502

Should I Get Pet Insurance?

If you can afford the premium for your dog, we think pet insurance is worth it. Health is something we can all take for granted at times, but thanks to pet insurance, it can offer you peace of mind knowing you’ll never have to choose between your wallet or your dog’s medical care. Learn more about why pet insurance is worth considering.

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Disclaimer: Information regarding insurance company offerings, pricing, availability, and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.

The information provided through this website should not be used to diagnose or treat a health problem or disease; it is not intended to offer any legal opinion or advice or a substitute for professional safety advice or professional care. Please consult your health care provider, attorney, or product manual for professional advice. Products and services reviewed are provided by third parties; we are not responsible in any way for them, nor do we guarantee their functionality, utility, safety, or reliability. Our content is for educational purposes only.

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