Massachusetts Pet Insurance Guide

Cover your Bay State pet and get your vet bills paid for.

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Massachusetts pet parents: Whether you’ve got a Siamese in Salem, or a Beagle in Boston, you’ve come to the right place to learn about pet insurance.

We’ll take you through the insider tips and hidden gems of being a Massachusetts pet parent, and while we’re at it, we’ll go through the ins-and-outs of pet insurance so you can keep your furry companion (and your wallet) covered.

GET YOUR PET COVERED

What is pet insurance?

Pet insurance helps cover the costs of your vet bills. You pay a monthly premium to the insurance company, and in exchange, you can care for your feline or canine fur fam without worrying about the costs.

With Lemonade pet insurance, there are a number of different ways to customize your policy with our coverage options:

To begin with, a base Lemonade pet health insurance policy will help cover the costs of tests, treatments, and medication if your dog or cat has an unexpected accident or illness.

A base policy is great for the unexpected things in your fur fam’s future, but Lemonade also offers preventative care packages designed to keep your pet healthy and helps cover expenses you’re probably already paying for. By adding this package to a Lemonade policy, you’ll also get access to live medical chat and be covered for all kinds of things—like your annual wellness exam, vaccinations, blood tests, and more. Some exclusions may apply.

 Lemonade offers a Preventative, Preventative+, and a Puppy/Kitten Preventative package. This package covers things like spaying/neutering, vaccinations, microchipping, and flea and tick treatments, depending on your pet’s age.

You can also customize your Lemonade policy with a mix and match of optional add-ons like: physical therapy, vet visit fees, dental illness, behavioral conditions, and end-of-life and remembrance—to help take the bite out of pricey treatments, services, and trips to the vet.

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Here’s an example of how a Lemonade pet insurance policy works:

  1. Buy a policy. You answer a few quick questions about your German Shepherd, Quincy, and build your pet’s policy with the help of our friendly AI chatbot. The monthly premium you pay is determined by a few factors, mostly things that you can customize, like your annual deductible, your coverage package, your co-insurance, and the annual limit on your plan. (If you want, you can take a deeper dive into how pet insurance works to help you build your perfect policy.) Pet insurance coverage with Lemonade can cost as little as $10/month. Here’s a handy breakdown of the whole (simple) process.
  2. Go to the vet. You rush Quincy to the vet after he broke his leg from playing too hard at the dog park. The exam, x-ray, and cast cost you $1,000. Woof. But because you have pet insurance, you don’t have to worry about the total amount. Get the scoop on what we cover here.
  3. Get your money back. Quincy is safely on the mend, and you get up to a $900 reimbursement back in your pocket from Lemonade!

It’s worth noting that your dog will require more veterinary care and treatments as they age, which is why it’s worth it to take out a pet insurance policy for your dog as soon as possible. If you try to sign your 12-year-old dog up for insurance for the first time, they might be declined due to their age; either way, they’re more likely to have pre-existing conditions that won’t be covered by insurance. However, if you get your new puppy a Lemonade policy right away, you’ll be able to continue renewing their policy as they age.

Apply now to get your free pet insurance quote.

Protect your Massachusetts pet from toxic plants

The list of toxic plants that are native to Massachusetts is long. This is by no means a comprehensive list of plants that are poisonous for your pets, but a few that are highly toxic are listed below. Reach out to your local veterinarian ASAP if your fur babies ingest any plant that you are unfamiliar with.

Name of plantToxic to dogsToxic to cats
Tulips
Cyclamen
Kalanchoe
Chrysanthemum 
Sago Palm 
English Ivy
Oleander
Chrysanthemums, beautiful but dangerous for your pets

Top Massachusetts dog parks

Energetic pup? Let them run wild in one of Massachusetts’s many off-leash dog parks. Just make sure your pup’s vaccinations are up-to-date and that they are spayed or neutered before you let them run loose.

  • Butler Farm Bark Park. This modest off-leash dog park was built by generous donations from the local community. The Butler Farm Bark Dog Park has a beautiful pavilion and wide open space on the Butler Farm Community Garden, serving the residents of Millbury and Sutton. They hold annual events such as the Dog Swim at Marion’s Camp in Sutton, poker tournaments, and Halloween parades. Bring your furry best friend for a good time. 
  •  Stodder’s Neck & Abigail Adams Park. If you’re looking for hilltop views and harborside walking trails near Hingham, this is the dog park for you. Stodder’s Neck, a peninsula at the mouth of Weymouth Back River, is a prime location. Surrounded by water on three sides, the park has fishing, grassy picnic spaces, and off-leash areas for your pup to romp and play. The Stodder’s Neck trail is a 1.1-kilometer looped trail, great for a long walk with your best friend.
  • Sheepfold Dog Park. On the outskirts of Boston, there is the 25,000 acre Middlesex Fells Reservation. The Fells boast panoramic views of ponds, forests, wetlands, meadows, and mountainous hills where your pup can have a wild time. It’s a gorgeous area for mountain biking so pet parents can get in exercise as well. The entire park is dog-friendly, but the designated off-leash area is at the Sheepfold dog park. You can fish, hike, bike, or rent a kayak or canoe on Spot Pond. This is the perfect dog park for nature lovers. 
  • Medway Dog Park. Also known as the Henry Garnsey Canine Recreation Area, this dog park in Medway is the only place in town where pet parents can let their fur babies get some exercise. This park is the dream of fifteen-year-old dog-lover Tim Dumas, who wanted to create an unleashed space for pups to run free. It is also a historic location. The Medway Dog Park was once the home of Henry Garnsey, the first settler of Monday in 1700. 
  • RUFF North End Dog Group. Boston’s Responsible Urbanites For Fido (RUFF) is an entire community dedicated to the wellbeing of local dogs. Supported by dog-loving volunteers, RUFF provides dog education and promotes responsible dog ownership. They have two locations: The North End Dog Park and the Richmond Street Dog Run. The former features agility courses, turf, and a water play area. The latter is open twenty-four hours a day, seven days a week, and is fully lit, so you can still hang out with Fido when the night is young. Follow them on their Instagram page for events and cute dog pics!

Support Massachusetts based pet businesses

Support small Massachusetts Businesses while keeping your best friend totally pampered!

  • Boston Dog Company. Are you looking for a place where you can get your fur baby trained, receive veterinary services, and get doggy daycare all in one place? If so, the award-winning Boston Dog Company located in Cambridge does it all! Their motto is “Where dogs play all day!” The company’s services include dog boarding, self-wash grooming, nail trimming, pet sitting, dog grooming, dog walking, and a pet taxi. Their facility is kennel-free, so your pup can feel at home. While you’re there, you can also purchase pet supplies. 
  • Western Mass Pet Services, LLC. Do you feel like you love your furry friend, but communication between you could stand for improvement? This training facility that serves Wilbraham and nearby areas has made it their mission to reduce frustration and improve fulfillment. They teach relationship skills, basic obedience, and doggy manners. Western Mass Pet Services has a passion for dogs!
  • No Place Like Home Pet Services. Some people’s poor pups get stressed out when they need to leave home for daycare or boarding. If you need pet sitter or house sitting services in Lowell, No Place Like Home Pet Services is at your service 24 hours a day! They offer in-home care for your pet—even overnight—so you don’t have to worry about how your sweet fur baby will react to staying in strange surroundings on top of missing her pawrents. If you need to go, you can leave and be rest assured that your pup is being cared for, fed, and played with, all within the comfort of your own home. 
  • Good Boy Pet Company. Good Boy Pet Company is a store with a mission and a community. They give back by donating five percent of every order to local shelters! The company offers premium tools that improve your dog’s life. Their website also includes free resources on health and grooming, tips and tricks, and training guides. Good Boy Pet Company sells everything the modern pet parent needs, from apparel and accessories to beds and blankets. They also have calming and separation anxiety aids and health supplements so your fur baby can live their best life. 
  • PAWS-lively Fun Pet Services. Perhaps you have more than furry friends to look after. If you have feathered friends or even scaled friends who need to be cared for while you are away, PAWS-itively Fun Pet Services, which serve the Nashua and Tyngsborough areas, don’t only care for dogs and cats, but also birds, fish, small mammals, and even some reptiles. The company is a licensed and insured business that offers professional dog walking, overnight pet sitting, park visits, and much more.

Before we go…

Being a pet parent is just the best, isn’t it? The laughter, the kisses, the companionship! Pets add so much to our lives. The love that Massachusetts pet parents have for their furry companions is real. In fact, a study by the Massachusetts General Hospital Center for Comparative Medicine found similarities in the emotional experience between the mother-child bond and the owner-dog bond. That’s beyond puppy love right there. 

Of course, our pets are dear to our hearts, but vet bills can really take a gnaw at our finances, which is why more and more pet parents have decided that pet insurance is the best thing they can do. Learn more about whether pet insurance is the right choice for you and how much it costs.

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Please note: Lemonade articles and other editorial content are meant for educational purposes only, and should not be relied upon instead of professional legal, insurance or financial advice. The content of these educational articles does not alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. While we regularly review previously published content to ensure it is accurate and up-to-date, there may be instances in which legal conditions or policy details have changed since publication. Any hypothetical examples used in Lemonade editorial content are purely expositional. Hypothetical examples do not alter or bind Lemonade to any application of your insurance policy to the particular facts and circumstances of any actual claim.