FurVerdict
State guide

Pet insurance in Maryland

MD · 2 citiesHow we review
MD at a glance
Avg. annual vet costNational reference, cited below. Individual cost varies by region and pet.$1,200
Regulatory notesPet insurance in Maryland is regulated as a property and casualty product by the Maryland Insurance Administration. Insurers must file policy forms and rates with the Administration before offering coverage to Maryland residents. Maryland 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.

  • Tick-borne illness claim frequency is above the national average in wooded and rural counties
  • Higher emergency-vet and specialist claim costs in the Baltimore-Washington corridor reflect elevated local vet labor costs
  • Heat-related emergency claims rise during humid summer months
  • Coastal storm and flooding emergency boarding costs create occasional seasonal claim spikes
Cost and regulatory sources
  1. Maryland Insurance Administration: consumer insurance guidance (2026-05-17) State regulator guidance backing the regulatory notes on this page.
  2. 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 Maryland

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

Lemonade
Healthy Paws
Embrace
Trupanion
MetLife Pet Insurance

Cities in Maryland

BaltimoreColumbia