Pet Insurance Cost in Massachusetts
In Massachusetts, accident + illness coverage typically costs about $84 a month for dogs and $44 a month for cats. That's 34% above the national average, ranking #49 cheapest out of the 50 states plus D.C. Breed and age still matter more than location. Estimate your pet's premium:
$77 to $90/month Any dog · 1-3 years · Massachusetts · accident + illness
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What pets cost to insure in Massachusetts
| Pet | Typical monthly cost |
|---|---|
| Average dog (adult) | $77 to $90/mo |
| Average cat (adult) | $40 to $47/mo |
| French Bulldog (highest-cost common breed) | $93 to $129/mo |
| Mixed-breed dog (lowest-cost) | $40 to $56/mo |
State pricing tracks local veterinary costs. Emergency clinic rates, specialist density, and regional wage levels all feed the territory factors insurers file with the Massachusetts insurance department.
Data last verified: 2026-08-14 · Methodology