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Pet Insurance Cost

Pet Insurance Cost

How Much Does Pet Insurance Cost?

The simple answer is the average pet health insurance policy is $32 per month for a dog and $22 per month for a cat.

However, averages are not a good indication of how much pet insurance really costs.

Rates vary depending on your pet's breed, age and where you live.

Dog Insurance

Dogs are more expensive than cats because the risk of illness and injury is higher for dogs.

And purebred dogs are slightly more expensive to insure than their mixed breed counterparts because purebreds are more susceptible to hereditary conditions.

In fact, hereditary disorders like hip dysplasia, heart disease and cancer are some of the most common and expensive health issues to treat.

Here is a sample of pet insurance costs of the top 10 most popular dog breeds.

Dog Breeds Cost
Mixed Breed Dog $28/mo.
Labrador Retriever $34/mo.
Yorkshire Terrier $31/mo.
Golden Retriever $36/mo.
Dachshund $40/mo.
Chihuahua $38/mo.
German Shepherd $39/mo.
Shih Tzu $32/mo.
Boxer $44/mo.
English Bulldog $42/mo.
Average for All Dogs $32/mo.

Full accident & illness coverage for a 3 year-old

Learn More: Dog Insurance

Cat Insurance

Here is a sample of pet insurance costs of the top 10 most popular cat breeds.

Cat Breeds Cost
Mixed Breed Cat $22/mo.
Domestic Shorthair $24/mo.
American Shorthair $24/mo.
Siamese $26/mo.
Maine Coon $28/mo.
Persian $29/mo.
Ragdoll $23/mo.
Bengal $25/mo.
Russian Blue $29/mo.
Himalayan $28/mo.
Average for All Cats $22/mo.

Full accident & illness coverage for a 3 year-old

Learn More: Cat Insurance

Cost by State

For your benefit we researched and crunched numbers to get the average cost of pet insurance by state.

Pet Insurance by State

Pet Insurance cost is directly correlated to the cost of living index.

Veterinary surgery in New York City costs twice as much as veterinary surgery in Topeka, Kansas and because pet insurance companies pay claims based on your actual vet bills they charge more for policies in expensive zip codes like New York and Los Angeles.

The average cost of pet insurance throughout the United States is $384 per year. Take a look at our table below to get an idea of how much accident + illness plans costs in your state.

Location Dogs Cats
Alabama $25/mo. $17/mo.
Alaska $33/mo. $25/mo.
Arizona $27/mo. $18/mo.
Arkansas $24/mo. $17/mo.
California $36/mo. $28/mo.
Colorado $31/mo. $26/mo.
Connecticut $32/mo. $24/mo.
D.C. $33/mo. $25/mo.
Delaware $32/mo. $25/mo.
Florida $28/mo. $26/mo.
Georgia $29/mo. $24/mo.
Hawaii $35/mo. $24/mo.
Idaho $27/mo. $17/mo.
Illinois $32/mo. $26/mo.
Indiana $25/mo. $18/mo.
Iowa $25/mo. $19/mo.
Kansas $23/mo. $16/mo.
Kentucky $26/mo. $17/mo.
Louisiana $27/mo. $19/mo.
Maine $30/mo. $24/mo.
Maryland $31/mo. $26/mo.
Massachusetts $34/mo. $28/mo.
Michigan $32/mo. $26/mo.
Minnesota $29/mo. $23/mo.
Mississippi $24/mo. $17/mo.
Missouri $28/mo. $22/mo.
Montana $25/mo. $18/mo.
Nebraska $24/mo. $17/mo.
Nevada $27/mo. $21/mo.
New Hampshire $30/mo. $22/mo.
New Jersey $32/mo. $22/mo.
New Mexico $24/mo. $18/mo.
New York $38/mo. $28/mo.
North Carolina $29/mo. $22/mo.
North Dakota $26/mo. $21/mo.
Ohio $29/mo. $22/mo.
Oklahoma $26/mo. $21/mo.
Oregon $29/mo. $22/mo.
Pennsylvania $32/mo. $24/mo.
Rhode Island $34/mo. $26/mo.
South Carolina $25/mo. $19/mo.
South Dakota $28/mo. $23/mo.
Tennessee $27/mo. $20/mo.
Texas $32/mo. $24/mo.
Utah $25/mo. $19/mo.
Vermont $30/mo. $23/mo.
Virginia $29/mo. $22/mo.
Washington $31/mo. $23/mo.
West Virginia $24/mo. $18/mo.
Wisconsin $28/mo. $22/mo.
Wyoming $26/mo. $18/mo.

Full accident & illness coverage for a 3 year-old mixed breed

Other Factors

Dog Insurance Cost

As you'll soon learn, prices can vary widely depending on the type of pet you have.

Here are the eight factors that determine how much you will pay for pet insurance coverage.

Your Pet's Age

Just like humans, older dogs and cats are more expensive to insure because they are more susceptible to illness and injury.

You can get a pet insurance policy for a pet of any age, but the longer you wait the more expensive it will be.

This is one of the reasons we strongly encourage pet owners to enroll their pets while they are younger.

As your pet gets older each year the cost of your insurance will go up because the risk of illness and injury is higher for older pets.

The average price increase for a policy is less than 10% per year.

Company You Select

Every pet insurance company is unique in how they price plans so it's important to compare quotes from multiple companies to make sure you get the best rate possible.

Coverage You Select

There is a wide range of coverage options from accident only policies to comprehensive plans that include all emergencies.

Obviously the more coverage you purchase the more expensive your policy will be.

Some pet insurance companies allow you to add routine care coverage for an additional monthly charge.

Deductible & Reimbursement

One of the best things about pet insurance plans is that you can choose a deductible and reimbursement rate to create a policy that fits your budget.

  • Deductible - If you choose a higher deductible you will pay less for insurance. Deductibles range from $100 to $1,000 (we recommend $200 or $500 to maximize value).

  • Reimbursement Rate - If you choose a lower reimbursement rate you will pay less each month for a policy. Reimbursement rates range from 60-100% (we recommend 80% or 90% reimbursement rates to maximize value).


Every pet insurance company offers discounts that you can take advantage of.

One of the most popular is multi-pet discounts for pet owners with two or more pets.

You can also find discounts for military personnel, veterinary professionals and micro-chipped pets.

Real Life Stories

Buster & Anna

Buster and Anna, Anna pays $42/month for Buster's plan

If you have a four year-old German shepherd and live in Santa Monica, California, a pet insurance policy will cost you about $42 per month.

If you have a three year-old Domestic Shorthair and live in Topeka, Kansas, you will only pay $16 per month.

The reason a German shepherd in NYC is 3.4x more expensive than a Domestic Shorthair in Kansas is because they have completely different risk profiles.

German Shepherds are much more likely to need treatment for accidents and illnesses than a Domestic Shorthair cats.

Still confused?

That's cool, try out this example using auto insurance.

A Mercedes Benz in New York is going to be much more expensive to insure than a Subaru in Kansas because the risk of an accident in New York is much higher and the cost to repair a Mercedes in Manhattan is also much greater.


Each company is unique in the way they calculate rates based on breed, age and location.

That is why we always encourage pet owners to use our quote system to compare plans and prices from all the top companies.

The fact is that where you live and the type of pet you have is unique and the only way to find the best price is to get rates from multiple companies.

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