Pet Insurance Prices by Zip Code

pet insurance prices by zip code

When you browse pet insurance prices, you may notice that policy prices differ between zip codes. Costs of living in certain areas often influence the price of pet insurance. Other factors that can affect how much money you spend include your pet’s breed and age. The company and level of coverage that you want will also change the price.

Pet Insurance Prices in Different Cities

Your zip city’s cost of living influences the price of practically everything you buy. The more it costs to live in an area, the more money you can expect to spend on pet insurance.

The cost of living index uses 100 as the average in U.S. cities. You can use the index to determine how expensive it is to live in your city.

For example, the cost of living in New York City is 209.2. Living in New York costs about twice the amount that it requires to live in the average city.

The cost of living in Omaha, however, is about 95. The average person in Omaha spends about half of what the average person in New York spends. The difference applies to pet insurance just as much as it applies to food, housing, and other expenses.

A family that spends $50 per month on pet insurance in Omaha can expect to spend about $100 after moving to New York.

Other Factors That Affect the Price of Pet Insurance

Your zip code isn’t the only thing that affects the price of your pet insurance. Other important factors include:

  • The animal’s species
  • Your pet’s breed
  • The age of your pet
  • Prior health conditions


Generally, dogs cost more to insure than cats. As a species, dogs tend to get hurt more often than cats. They readily chomp on objects they find in the yard, and they chase after animals in the park. Most cats have finicky natures that make them less prone to illness and injury.


Your pet’s breed may put it at a higher risk of getting certain illnesses. For instance, hip dysplasia occurs more frequently in German Shepherds, Boxers, and Labrador Retrievers than it occurs in Beagles, Poodles, and Pomeranians.

All breeds have their own risks. Some genetic illnesses cost more to treat than others, though, so your pet’s breed will affect your insurance premium.


The older an animal gets, the more likely it is to experience an illness or injury. This reality forces pet insurance companies to charge higher premiums for older animals.

Prior Health Conditions

If your pet has been treated for a health problem before, then it presents a higher risk to the insurance company. Therefore, you can expect to spend more money on premiums.

Your zip code isn’t the only factor that influences how much you spend on pet insurance, but it plays a major role. Make sure you compare several insurance policies to get the protection you want at a price you can afford.


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