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

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.

Pet Insurance Ranking	Best Overall*	Best Value	Fastest Claim Processing	Best Coverage	Best Newcomer
Company	Pets Best	Figo	Healthy Paws	Embrace	Lemonade
Policy Coverage	Extensive	Extensive	More Limited	Extensive	More Limited
Customer Service & Reputation	Good	Excellent, Stable	Excellent, Stable	Excellent, Stable	Uncertain, New
Claim Processing (avg)	7-14 Days	3 Days	2 Days	5 Days	2 Days
Vet Direct Pay Option
Policy Price (avg)	Lower	Lower	Variable	Higher	Average
Plan Customizations	Many Options	Many Options	Restricted Options	Many Options	Many Options
	Read Review	Read Review	Read Review	Read Review	Read Review

What Are The Most Popular Dog Breeds In Maryland?

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

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.