Pet Insurance Quotes

Pet Insurance Cost

pet insurance cost

How Much is Pet Insurance?

According to the North American Pet Health Insurance Association, the average cost for pet insurance is only $46 per month.

However, that is just the average.

In reality, you can expect to pay a lot less or more depending on your pet type, breed, age and where you live. For example, prices are different for dogs and cats. The average price for a dog is $49 per month and only $29 per month for cats.

Prices by Company

Overall Average
Average for Cats
Average for Dogs
Pets Best$25 per month$19 per month$31 per month
Healthy Paws$26 per month$18 per month$34 per month
FIGO$35 per month$29 per month$42 per month
Petplan$42 per month$36 per month$47 per month
Embrace$45 per month$28 per month$62 per month
National Average$46 per month$29 per month$49 per month
Nationwide$53 per month$40 per month$67 per month
Trupanion$54 per month$50 per month$58 per month
ASPCA$61 per month$41 per month$80 per month
Note: Updated June 30, 2020. Prices calculated based on average for most popular dog and cat breeds and average ages of pets at enrollment in 43221 zip code with 90% reimbursement, $250-300 deductible and $10,000-Unlimited annual limit.


Find YOUR Price Here

Did You Know? By comparing pet insurance quotes you can save over 100% for the same coverage!


Pet Insurance Prices Over Time

One of the most impressive things about the pet insurance industry is how little average prices have changed over time. In fact, the average price for a pet insurance plan has only increased by 5% per year since 2015!

Five Steps to Getting the Best Price

1. Compare Plans and Prices

We recommend you get quotes from multiple providers because prices vary as over 50% or more from company to company. This is because each pet insurer sets prices based on breed.

2. Customize Your Plan

This is an easy way to lower costs and meet your monthly budget. We recommend a $250 – $500 deductible, 80% – 90% reimbursement rate and minimum $10k annual limit to maximize claims payout while keeping your premiums low.

3. Take Advantage of Discounts

Most pet insurance companies offer generous discounts for multiple pets, military, microchipping, employee benefits and even spay and neuter discounts so before you enroll make sure to take advantage because discounts can be as much as 10% to 20% off.

4. Enroll Early – Don’t Wait

The best time to enroll is when your pet is young and healthy. This will help keep costs down and ensure you have coverage when something does happen.

5. Choose One Provider and Stick with Them

Once you enroll in a plan stick with it for the life of your pet. Jumping around will only cost you more money and create potential issues with pre-existing conditions.

How Do They Come Up with Prices?

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.

Zip Code

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. 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.

Type of Pet

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.


There are a lot of options when it comes to pet insurance coverage. The most popular option is standard accident and illness coverage, which accounts for over 98% of all pet insurance plans. In addition to coverage options you can also adjust your deductible, annual limit and co-pay to change your monthly price.

Affordable Pet Insurance Plans

When people find themselves in a financial crisis, they can be faced with making hard decisions to stay within a manageable budget. For individuals with pets, this can be a problem if their pet should require medical attention.

For many, providing their pets with the proper veterinary care can quickly put a strain on their finances. This is particularly true when it comes to pet owners who are low-income. Pet insurance, however, is designed to help.

For a relatively low cost, pet insurance can help people save money by reimbursing them for covered services and even medications. The type and extent of covered services depend on the insurance policy that is selected.

When money is an issue, people may want to further cut costs to make ends meet by looking for lower-cost or even free pet insurance.

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Plans for Any Budget

Unfortunately, free pet insurance for low-income families is not available; however, with careful research, you can find which insurance companies have the lowest-priced plans, and we can help.

When looking for pet insurance, there are several things that should be taken into consideration. In general, it is important to insure your pet as quickly as possible and to not allow the policy to lapse, as no provider will cover pre-existing conditions.

This means that if an uninsured dog or cat is injured or becomes ill, you will be unable to sign up with an insurer. In addition, because there are no free pet insurance plans, you will need to be prepared to pay premiums every month or annually regardless of your pet’s current health status.

For that reason, it is important to find affordable pet insurance that will not greatly impact your budget.

The first consideration when looking for low-cost pet insurance is which type of plan to choose. There are three available options to choose from: major medical, accident-only, and wellness plans.

Major medical insurance plans are the most popular and the most expensive in terms of up-front costs. Although they are more expensive, the higher cost of these plans is largely due to the fact that they will pay up to 90 percent of veterinary bills for approved emergencies, accidents, illnesses including cancer, and prescription medications.

Wellness plans are currently offered by seven pet insurers. They make paying for routine checkups and preventative care more affordable, but in most cases, one must also have a major medical plan before they can purchase this type of coverage.

Accident-only plans are the least expensive, but they are extremely limited, as they only cover vet bills for emergencies and injuries; any illness or routine care will not be reimbursed.

After determining the best type of insurance, the final step in finding low-cost pet insurance plans is to compare them at here. On our site, low-income pet owners can conduct side-by-side comparisons of each of the top companies.

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