State guide

Pet insurance in Vermont

VT at a glance

Avg. annual vet costNational reference, cited below. Individual cost varies by region and pet.$1,050

Regulatory notesPet insurance in Vermont is regulated as a property and casualty product by the Vermont Department of Financial Regulation, Insurance Division. Insurers must file policy forms and rates with the Division before offering coverage to Vermont residents. Vermont 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 mountain areas
Joint and arthritis-related chronic illness claim costs increase in older pets in cold climates

Cost and regulatory sources

Vermont Department of Financial Regulation: 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 Vermont

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

Healthy Paws

Embrace

Trupanion

Lemonade

Nationwide

Cities in Vermont

Burlington Rutland