Pet Insurance for Massachusetts Residents

If your cat develops a skin rash or your new puppy accidentally swallows a piece of his chew toy, requiring an unplanned trip to the vet, or worse, the local pet hospital, do you have the cash to cover the bill?

We love our pets. We let them eat our leftover pizza crust, cuddle up on the couch after a long walk, and take up way too much room in bed at night. Yet, despite all that love and special treatment, only 30% of pet owners in the United States have pet insurance to protect their furry family members.

No matter how safe we try to keep our pets, the odds that they will require a trip to the veterinarian’s office in any given year is high, at 33%. While stomach issues, skin conditions, and infections are extremely common, the price tag for these treatments and other emergency procedures, without insurance, is steep. On average, emergency treatment for your dog or cat can cost anywhere between $800 and $1500, and in some cases, depending on severity, even more. Tougher still, most visits to the pet clinic are entirely unexpected, making it that much harder to save appropriately, assuming your family’s budget allows for it.

At Morse, of course, we never want you to have to face a tough financial decision regarding the health and well-being of your furry companion. This is why we encourage our clients, friends, and neighbors to consider the peace of mind a pet insurance policy can provide.

Who can help protect your pet? Morse, of course.

Morse Insurance offers a comprehensive and cost-effective pet insurance plan that is designed with you and your four-legged family member in mind. Our inclusive policy covers your pets from all those unanticipated moments as well as some routine, preventative care, including:

  • Accidents and Injuries
  • Hospitalization
  • Emergency Vet Visits
  • Surgery
  • Vaccinations
  • Illness
  • Annual Physicals
  • Flea Prevention
  • Dental Trauma
  • Some Alternative Therapies

How much does pet insurance cost?

You may be wondering how much a personalized pet insurance policy will cost. However, as with all insurance policies, this is a tough question to answer definitively because everyone’s premiums are calculated differently. The type of pet or pets, age, breed, and where you live will all factor into the cost associated with your custom plan.

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A photo of a veterinarian appointment with a puppy

Is pet insurance worth it?

While we certainly think so, we want to share four additional reasons why our insurance plan is a smart investment for all pet owners to consider.

Reason #1: Freedom to choose your preferred veterinarian, emergency clinic, or specialist. Our pet insurance policy allows you to decide where and who treats your four-legged friend. After you’ve received care at the location of your choice and paid the invoice in full, simply provide your paid receipt to the insurance carrier for a refund based on your plan’s deductible and reimbursement rate.

Reason #2: Pets of every age and breed are eligible for coverage. While it’s recommended to purchase pet insurance as soon as you adopt your pet, you can insure your new dog or cat at any point after they are eight weeks old.

Reason #3: Easy way to budget for the unexpected costs of owning a dog or cat. One in three pets will require some kind of medical treatment throughout their life. So, instead of paying entirely out of pocket after your dog tears his ACL chasing a deer in the backyard or your cat develops a chronic illness like diabetes, a pet insurance policy may cover up to 90% of the cost, depending on the specifics of your plan.

Reason #4: Delivers peace of mind. If something serious happens to your dog or cat, having pet insurance will allow you to schedule a costly medical treatment without hesitation or significant long-term financial impact.

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"The team at Morse Insurance handles all my personal and business insurance needs. I expect and receive professional insurance recommendations tailored to my particular needs and circumstances. I could not ask for a more attentive, conscientious and friendly group of people."

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"Morse Insurance truly maximizes my insurance dollar while giving me appropriate, well thought out insurance strategies. Their continued dedication and commitment to providing the balanced combination of value and peace of mind is why I keep working with them."

Sonja, Morse Insurance Client

"Morse has handled the Professional Liability, Business General Liability, Auto, and Workers’ Comp for our company for over 10 years. Their attention to detail is what sets them apart. I've been with some agencies and you call in only to get an agent who you don't know and who doesn't know you. It's not really a personal relationship. With Morse, I call up Donna and say, 'This is Bill' and she answers my questions. They're small, but they're large at the same time. You can really trust that they'll get things done."

Bill, Morse Insurance Client

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Sonja, Morse Insurance Client

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Patti, Morse Insurance Client

"Working with Morse Insurance is like working with your family, we feel like we're a part of their family and they're a part of ours. The entire team is very human and funny with great personalities. It's clear that they love what they do and that they love their customers. They're great people, wonderful neighbors, and an awesome company and I just love doing business with them."

Patti, Morse Insurance Client

"Morse Insurance has been our agency for nearly 20 years. At first they provided our Homeowner's Insurance, then we added Auto Insurance. Later, when we started our business, it was General Liability and Errors and Omissions Insurance. The team at Morse is always there to guide us through these complex products. We feel they get us the best products at a fair price and know us on a personal basis."

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