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Find the Best Pet Insurance in Baltimore

Pet insurance helps cover unexpected veterinary costs. The Baltimore Sun has partnered with ConsumerAffairs to create this guide by comparing reviews and availability of 19 businesses and choosing six favorites from the top pet insurance companies in Baltimore.

Companies pay ConsumerAffairs to be authorized, and The Baltimore Sun and/or ConsumerAffairs may receive compensation when you click a link, call a number or fill out a form on this site.

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How does pet insurance work in Baltimore?

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Pet insurance isn’t exactly medical insurance for pets, according to the Maryland Insurance Administration. It’s more like property insurance for pet owners to help afford the cost of veterinary care. With pet insurance, you pay upfront for vet care and then submit a claim for approval and possible reimbursement. So, if your dog eats something they shouldn’t at Patterson Park, you pay the vet now, and your pet insurance policy pays you back later.

  • What pet insurance covers: Pet insurance can cover accidents, illnesses, hereditary conditions and behavioral issues for dogs and cats. Some plans offer comprehensive coverage that also helps pay for routine wellness care and prescriptions.
  • What pet insurance won’t cover: Pet insurance doesn’t cover preexisting conditions that a pet received treatment for previously. It also doesn’t usually cover routine care, check-ups, cosmetic procedures and breeding costs.

Once you enroll in a policy, there is a waiting period before coverage kicks in, usually between one and 15 days. Like other types of insurance, pet insurance policies typically have a deductible that you must meet before they pay out. Pet insurance deductibles range from $50 - $1,000.

Most pet insurance plans also have annual payout limits between $5,000 and $20,000, but some providers set a maximum payout limit per incident or for the lifetime of the pet.

Sample pet insurance costs in Baltimore

We asked Spot Pet Insurance, Embrace Pet Insurance and ASPCA Pet Health Insurance how much it would cost to insure a one-year-old male American pit bull terrier in Baltimore at the time of publishing:

  • Spot Pet Insurance quote: $49 per month with a $5,000 annual limit, an 80% reimbursement rate and a $250 annual deductible. Accident-only plans start at $21.99 per month.

  • Embrace Pet Insurance quote: $58.33 per month with a $5,000 annual limit, an 80% reimbursement rate and a $300 deductible. Wellness plans start at $250 per year to cover routine veterinary visits and grooming.

  • ASPCA Pet Health Insurance quote: $49 per month with a $5,000 annual limit, an 80% reimbursement rate and a $250 deductible. Accident-only plans start at $18.68 per month.

Baltimore pet insurance FAQ

How much does pet insurance cost in Baltimore?

According to price quotes from our authorized partners, pet insurance costs between $10 and $50 per month in Baltimore. The cost of pet insurance varies, depending on your pet, coverage, annual limit, reimbursement rate and deductible.

How much is a vet visit in Baltimore?

Most vet visits cost anywhere between $50 and $400, depending on what type of services are necessary. For example, expect to pay about $65 per vaccine in Baltimore.

Can I take my dog to the vet without papers?

Yes, but if you have papers, it’s important to bring them. This ensures proper care and that you aren’t paying for unnecessary services, like already-completed vaccines.

What can I do if I can't afford a vet in Baltimore?

Check the list below to find resources that offer affordable, or even free, pet care for those in need.

Do any pet insurances cover preexisting conditions in Maryland?

No, most pet insurance policies do not cover preexisting conditions.

What are common preexisting conditions in cats?

Common preexisting conditions in cats include breathing issues, like asthma and allergies.

Is pet insurance worth it in Maryland?

It depends on the pet and your situation. You can optimize the value of your pet insurance by getting it when your pet is very young before many conditions can develop.

Additional Baltimore pet resources

Baltimore pet owners might find the following resources useful:

  • Baltimore Animal Rescue & Care Shelter: This organization offers rehoming, vaccination and medical resources for pet owners in need. BARCS is also Baltimore’s largest animal shelter and pet adoption center. It’s located in Cherry Hill at 2490 Giles Road, Baltimore, MD 21225.
  • Baltimore Humane Society: The Baltimore Humane Society provides pet owners assistance through the Bmore Kind Pet Food Bank and its low-cost clinic. This nonprofit and no-kill animal shelter also offers low-cost veterinary care and a pet cemetery with grief support services. Baltimore Humane Society is located at 1601 Nicodemus Road, Reisterstown, MD 21136.
  • Baltimore City Animal Services: Baltimore City Animal Services enforces local and state rules to help protect animals and their communities. Free spay and neuter services and rabies vaccination programs for outdoor cats are also available.
  • Maryland SPCA: Maryland SPCA is an animal wellness clinic offering a wide variety of vet services and support at affordable, upfront prices. Maryland SPCA is located at 4007 Falls Road, Baltimore, MD 21211, near Roosevelt Park.
  • Pet Wellness Clinic of Maryland: This walk-in clinic offers low-cost vaccines and medical tests for pets who don’t require a full vet visit. Prices range from $15 to $41 per service. Pet Wellness Clinic of Maryland is located at 5017 Ritchie Highway, Baltimore, MD 21225, near Brooklyn Park.
  • Luna’s House: This organization serves the animals and people of Harford and Baltimore counties with free food, housing and support. Luna’s House is located at 2801 Pulaski Highway, Edgewood, MD 21040.

Baltimore pet insurance company information

Authorized Partner

ASPCA Pet Health Insurance

ASPCA Pet Health Insurance offers comprehensive and accident-only pet insurance policies in Wisconsin. Its plans don’t have any network restrictions, so you’re free to visit any vet in Wisconsin, the U.S. or Canada. Policies come with a 30-day money-back guarantee. Reimbursement rates range from 70% to 90%, and deductibles go from $100 to $500. Annual limits range from $3,000 to $10,000. Comprehensive plans cover accidents, illnesses, hereditary conditions, dental disease and behavioral issues. Preventive care, preexisting conditions, cosmetic procedures and breeding costs are not covered.

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Authorized Partner

Embrace Pet Insurance

Embrace Pet Insurance covers unexpected accidents and illnesses with comprehensive pet insurance plans for dogs and cats. You can personalize your policy to your needs and budget by choosing your annual maximum, deductible and reimbursement percentage. Embrace covers exam fees and offers a diminishing deductible for customers who don’t make claims throughout the year. Thanks to its Wellness Rewards, customers receive preventative veterinary care, grooming, training and more reimbursements, with no per-item limits.

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Authorized Partner

FIGO Pet Insurance

FIGO Pet Insurance offers three tiers pet insurance policies, Essential, Preferred, and Ultimate. All plans cover illnesses and accidents, with annual payout limits starting at $5,000. FIGO policy options can cover prescription medications, alternative medicines and surgeries. Through a mobile app, FIGO provides 24/7 access to veterinary advice and customer support.

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Authorized Partner

Spot Pet Insurance

Spot Pet Insurance offers accident-only coverage and comprehensive plans for dogs and cats older than eight weeks. Depending on your plan, reimbursement rates range from 70% to 90%, annual deductibles are between $100 and $500, and annual payout limits are $5,000 to $20,000 or unlimited. Coverage options include behavioral issues, dental disease, hereditary and congenital conditions, illnesses, and annual exams. Preexisting conditions, cosmetic procedures, breeding costs and preventive care are excluded.

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Healthy Paws Pet Insurance

Healthy Paws is a top-rated pet insurance program, offering fair, affordable policies with no maximum payouts. This company offers plans to cover accidents, illnesses, cancer, emergency care, genetic conditions, and even unique, alternative care, like acupuncture. With 99% of claims processed in two days, Healthy Paws gives you money in your pocket faster than other companies.

Healthy Paws Pet Insurance

AKC Pet Insurance

AKC Pet Insurance was one of the first pet insurance programs in the U.S. Its comprehensive plans include cancer coverage and optional coverage for exam fees and hereditary or congenital conditions. There are no upper age limits or breed-specific exclusions.

AKC Pet Insurance