State guide

Pet insurance in Maine

ME at a glance

Avg. annual vet costNational reference, cited below. Individual cost varies by region and pet.$1,000

Regulatory notesPet insurance in Maine is regulated as a property and casualty product by the Maine Bureau of Insurance, part of the Department of Professional and Financial Regulation. Insurers must file policy forms and rates with the Bureau before offering coverage to Maine residents. Maine has no state-specific mandated pet insurance benefits beyond standard property and casualty regulatory requirements.

Common health concerns

Listed for insurance cost context only, not medical guidance.

Lyme disease and tick-borne illness claim rates are well above the national average across the state
Winter cold and ice-related injury claim frequency is elevated for outdoor dogs
Wildlife-encounter ER claims are elevated in rural and wooded areas
Joint and arthritis-related chronic illness claim costs increase in older pets in cold climates

Cost and regulatory sources

Maine Bureau of Insurance: consumer insurance guidance (2026-05-17) State regulator guidance backing the regulatory notes on this page.
NAPHIA State of the Industry, Average Premiums (2026-05-17) National accident-and-illness reference. The figure shown is a regional estimate against this national average; individual cost varies by region and pet.

Providers that write coverage in Maine

These insurers offer policies to pet owners in Maine. We list them here for reference while our full provider write-ups are in progress.

Healthy Paws

Embrace

Trupanion

Lemonade

Nationwide

Cities in Maine

Portland Lewiston