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Best pet insurance companies in Massachusetts
Few experiences are more troubling than when your pet is ill, injured or has another ailment that requires veterinary care. Unfortunately, the bill for your pet’s treatments can be quite costly, adding insult to injury.
In such situations, pet insurance can come in handy, as it covers some or all of your covered veterinary expenses. Typically, you pay for the services upfront, and the pet insurance company reimburses you the amount specified in your policy, typically between 70% and 90% of your bill.
Veterinary care for dogs and cats can be expensive. This fact is especially true if your furry family member requires emergency care. Perhaps that’s why more people are securing pet insurance policies to help control their animal health care costs. According to a 2023 North American Pet Health Insurance Association (NAPHIA) report, 5.36 million pets were insured in 2022, a 21.7% increase over the 4.4 million in 2021.
While there are many pet insurers in the U.S., not all of them operate in all 50 states. Thankfully for Massachusetts residents, most of the best carriers operate in the state. If you’re interested in getting pet insurance for your fur baby, it helps to first know the best pet insurance companies in Massachusetts in several categories.
Start by getting a free pet insurance quote here now.
Best pet insurance companies in Massachusetts
Here are the best pet insurance companies in Massachusetts, broken down into seven categories.
Best for comprehensive coverage: Embrace
Embrace Pet Insurance focuses on offering the most comprehensive coverage. That’s important when it comes to your pet’s health since you don’t want to make critical care decisions under financial duress. It’s reassuring to know Embrace may reimburse you for prescription drugs, emergency care and diagnostic testing.
Like most pet insurers, pre-existing conditions generally aren’t covered, but Embrace may cover some pre-existing conditions if they are curable and your pet has been symptom-free for at least 12 months.
Get started with Embrace here today.
Best for flexibility: Spot
Spot Pet Insurance offers affordable basic coverage with numerous options to personalize your coverage. According to the Spot website, monthly coverage starts at $10 for cats and $16 for dogs. But you can customize your plan to find the perfect balance of price and coverage. Primary plans include accident-only or accident-and-illness policies. Preventative care for fixing, wellness and dental cleanings is also available as a policy add-on.
Spot also provides numerous reimbursement rates, deductibles and annual coverage limits (including unlimited) to help you get the most coverage with a premium that fits your budget.
Get a free pet insurance quote from Spot now.
Best for direct vet payments: Pets Best
Pets Best offers a unique vet payment method called Direct Vet Pay that differs from most pet insurance companies. Rather than pay your vet upfront and wait for reimbursement, Pets Best can pay your eligible reimbursement amount directly to your veterinarian if they agree.
Pets Best also offers a 24/7 Pet Helpline so you can consult veterinary experts about any issues your pet might be experiencing. Pets Best is an excellent choice for pet insurance if you value convenience and robust coverage at a reasonable price. It also offers a broad range of deductible options to help you financially plan for potential claims.
Learn more about Pets Best here.
Best for quick reimbursement: Lemonade
One of the primary reasons animal lovers purchase pet insurance is to protect themselves against substantial out-of-pocket vet expenses. Ideally, pet insurance coverage relieves your financial burden by reimbursing you for most of your costs. But you can still feel the financial strain if your pet insurer takes several weeks or even a month to reimburse you.
That’s why it’s crucial to choose a pet insurance provider that puts money back in your pocket quickly. This is where Lemonade excels, allowing you to file a claim through its app before you leave the vet’s office. According to Lemonade, your claim may be instantly approved, and the insurer will pay the claim in seconds. In some cases, claims are routed to human representatives for manual processing.
Learn more about Lemonade’s quick reimbursement options here.
Best for cats: Figo
Figo is our choice for best cat insurance in Massachusetts with affordable premiums, no per-incident caps and fast claims processing. As for the latter, Figo states it closes claims in 2.6 business days on average.
One cool feature Figo offers is a personalized pet tag, which could come in handy and reunite you with your cat if it likes to roam the neighborhood. The insurer also provides you access to a live 24/7 veterinary line, which could be invaluable in emergencies.
Get started with Figo here today.
Best for dogs: ASPCA
Unlike many pet insurance providers, ASPCA Pet Health Insurance offers coverage for older dogs with no upper age restrictions. Coverage may be essential for older pets since they are often more prone to injuries.
ASPCA offers an accident-only plan if you simply want financial protection against pricey vet bills for injuries due to an accident. ASPCA’s Complete Coverage plans also reimburse you for any FDA-approved medications and even prescription dog food and supplements. Additionally, you can get coverage for hereditary conditions, behavioral issues, surgeries, hospitalizations and more.
Best for cost: AKC
The American Kennel Club (AKC) excels at providing affordable coverage in Massachusetts. During our tests, a 3-year-old mixed-breed dog from Worcester could secure a basic plan with a $500 incident limit and a $100 deductible and obtain coverage for $20.80 per month. A more robust custom plan with a $10,000 annual limit, 80% coverage and a $250 deductible only costs $45.39 monthly, well below many competitors. With either policy, AKC pet insurance will discount your premium by 5% if you insure more than one pet.
Learn more about AKC pet insurance here.
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Sen. Tammy Duckworth says Pete Hegseth is “flat-out wrong” about women in combat roles
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Sen. Duckworth says Trump defense secretary pick is “flat-out wrong” about women in combat roles
Democratic Sen. Tammy Duckworth said Sunday that Pete Hegseth, President-elect Donald Trump’s pick for defense secretary is “flat-out wrong” in his view that women should not serve in the military in combat roles.
“Our military could not go to war without the women who wear this uniform,” Duckworth said on “Face the Nation with Margaret Brennan.” “And frankly, America’s daughters are just as capable of defending liberty and freedom as her sons.”
Trump tapped Hegseth, a former Fox News host and Army veteran who served in Iraq and Afghanistan as his pick to head the Defense Department earlier this month. The 44-year-old has drawn criticism for his stance on women in combat roles, along with his level of experience.
Duckworth, who in 2004 deployed to Iraq as a Blackhawk helicopter pilot and sustained severe injuries when her helicopter was hit by an RPG, outlined that women who serve in combat roles have met the same standards as men, passing rigorous testing. She said Hegseth’s position “just shows his lack of understanding of where our military is,” while arguing that he’s “inordinately unqualified for the position.”
“Our military could not go to war without the 220,000-plus women who serve in uniform,” Duckworth said. She added that having women in the military “does make us more effective, does make us more lethal.”
Hegseth has also drawn scrutiny amid recently unearthed details about an investigation into an alleged sexual assault in 2017. Hegseth denies the allegation and characterized the incident as a consensual encounter. The Monterey County district attorney’s office declined to file charges as none were “supported by proof beyond a reasonable doubt.” His lawyer has acknowledged that Hegseth paid a confidential financial settlement to the woman out of concern that the allegation would jeopardize his employment.
Duckworth, an Illinois Democrat who serves on the Armed Services and Foreign Relations Committees, said it’s “really troubling” that Trump would nominate someone who “has admitted that he’s paid off a victim who has claimed rape allegations against him.”
“This is not the kind of person you want to lead the Department of Defense,” she added.
The comments come after Trump announced a slew of picks for top posts in his administration in recent days. Meanwhile, one pick — former Rep. Matt Gaetz for attorney general — has already withdrawn his name from consideration after he faced intense scrutiny amid a House Ethics Committee investigation and a tenuous path to Senate confirmation.
While Duckworth acknowledged that she’s glad her Senate Republicans “held the line” on Gaetz and also elected Sen. John Thune as leader over a candidate favored by many in Trump’s orbit, she said she’s “deeply concerned” her Republican colleagues will green light Trump’s nominees.
“From what I’m hearing from my Republican colleagues on everything from defense secretary to other posts, it sounds like they are ready to roll over for Mr. Trump,” Duckworth said.
But Duckworth didn’t rule out supporting some of the nominees herself during the Senate confirmation process, pledged to evaluate each candidate based on their ability to do the job, and their willingness to put the needs of the American people before “a retribution campaign for Mr. Trump.”
Meanwhile, a CBS News poll released on Sunday found that 33% of Americans say Hegseth is a “good choice” for defense secretary, including 64% of Trump voters. But 39% of Americans said they hadn’t heard enough yet about the pick. More broadly, Americans generally say they want Trump to appoint people who’ll speak their minds and who have experience in the field or agency they’ll run.
Sen. Rand Paul, a Kentucky Republican who also appeared on “Face the Nation” on Sunday, said he believes that Hegseth can run the massive Defense Department, despite his lack of experience managing a large organization. Though he did not address Hegseth’s comments about women in combat roles, Paul said he believes the “vast majority of people” support leaders who are picked based on merit, citing Hegseth’s criticism of the Pentagon for what he says has been a move away from merit-based hiring and toward hiring based on “racial characteristics.”
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Israeli strike kills Lebanese soldier as Hezbollah fires at least 185 rockets at Israel
Hezbollah fired at least 185 rockets and other projectiles into Israel on Sunday, wounding seven people in the militant group’s heaviest barrage in several days, in response to deadly Israeli strikes in Beirut while negotiators pressed on with cease-fire efforts to halt the war.
Meanwhile, an Israeli strike on a Lebanese army center killed one soldier and wounded 18 others on the southwestern coastal road between Tyre and Naqoura, Lebanon’s military said. Israel’s military expressed regret and said the strike occurred in an area of combat against Hezbollah, adding that its operations are directed solely against the militants. The strike was under review.
Israeli strikes have killed over 40 Lebanese troops since the start of the war between Israel and Hezbollah, even as Lebanon’s military has largely kept to the sidelines.
Lebanon’s caretaker prime minister, Najib Mikati, condemned it as an assault on U.S.-led cease-fire efforts, calling it a “direct, bloody message rejecting all efforts and ongoing contacts” to end the war.
“(Israel is) again writing in Lebanese blood a brazen rejection of the solution that is being discussed,” a statement from his office read.
The strike occurred in southwestern Lebanon on the coastal road between Tyre and Naqoura, where there has been heavy fighting between Israel and Hezbollah.
Hezbollah began firing rockets, missiles and drones into Israel after Hamas’ Oct. 7, 2023, attack out of the Gaza Strip ignited the war there. Hezbollah has portrayed the attacks as an act of solidarity with the Palestinians and Hamas. Iran supports both armed groups.
Israel has launched retaliatory airstrikes since the rocket fire began, and in September the low-level conflict erupted into all-out war, as Israel launched waves of airstrikes across large parts of Lebanon and killed Hezbollah’s top leader, Hassan Nasrallah, and several of his top commanders.
Hezbollah fired a total of around 160 rockets and other projectiles into Israel on Sunday, some of which were intercepted, the Israeli military said.
Israel’s Magen David Adom rescue service said it was treating two people in the central city of Petah Tikva, a 23-year-old man who was lightly wounded by a blast and a 70-year-old woman suffering from smoke inhalation from a car that caught fire. The first responders said they treated three other people in northern Israel, closer to the border, including a 60-year-old man in serious condition.
It was unclear whether the injuries and damage were caused by the rockets or interceptors.
Israeli airstrikes early Saturday pounded central Beirut, killing at least 20 people and wounding 66, according to Lebanon’s Health Ministry.
Israeli attacks have killed more than 3,500 people in Lebanon, according to Lebanon’s Health Ministry. The fighting has displaced about 1.2 million people, or a quarter of Lebanon’s population.
On the Israeli side, about 90 soldiers and nearly 50 civilians have been killed by bombardments in northern Israel and in battle following Israel’s ground invasion in early October. Around 60,000 Israelis have been displaced from the country’s north.
The Biden administration has spent months trying to broker a cease-fire, and U.S. envoy Amos Hochstein was back in the region last week.
The European Union’s top diplomat called for more pressure on both Israel and Hezbollah to reach a deal, saying one was “pending with a final agreement from the Israeli government.”
Josep Borrell spoke Sunday after meeting with Mikati and Lebanese Parliament Speaker Nabih Berri, a Hezbollah ally who has been mediating with the group.
Borrell said the EU is ready to allocate 200 million euros ($208m) to assist the Lebanese military, which would deploy additional forces to the south.
The emerging agreement would pave the way for the withdrawal of Hezbollah militants and Israeli troops from southern Lebanon below the Litani River in accordance with the U.N. Security Council resolution that ended the 2006 war. Lebanese troops would patrol the area, with the presence of U.N. peacekeepers.
Lebanon’s army reflects the religious diversity of the country and is respected as a national institution, but it does not have the military capability to impose its will on Hezbollah or resist Israel’s invasion.