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Pet Insurance Cost

Pet Insurance Cost

Are you curious how much pet insurance will cost for your pet?

It's a good question.

The simple answer is that the average pet insurance policy starts at $32/month for a dog and $22/month for a cat.

However, averages are not a good indication of how much it will cost to insure your dog or cat because rates vary depending on your pet's breed, age and several other factors.

Cost by Location

For your benefit we researched and crunched the numbers to get you the average cost of pet insurance by state. Use our data to see what your states average premiums are to get a better idea of what you should be paying.

Pet Insurance by State

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/month $17/month
Alaska $33/month $25/month
Arizona $27/month $18/month
Arkansas $24/month $17/month
California $36/month $28/month
Colorado $31/month $26/month
Connecticut $32/month $24/month
D.C. $33/month $25/month
Delaware $32/month $25/month
Florida $28/month $26/month
Georgia $29/month $24/month
Hawaii $35/month $24/month
Idaho $27/month $17/month
Illinois $32/month $26/month
Indiana $25/month $18/month
Iowa $25/month $19/month
Kansas $23/month $16/month
Kentucky $26/month $17/month
Louisiana $27/month $19/month
Maine $30/month $24/month
Maryland $31/month $26/month
Massachusetts $34/month $28/month
Michigan $32/month $26/month
Minnesota $29/month $23/month
Mississippi $24/month $17/month
Missouri $28/month $22/month
Montana $25/month $18/month
Nebraska $24/month $17/month
Nevada $27/month $21/month
New Hampshire $30/month $22/month
New Jersey $37/month $27/month
New Mexico $24/month $18/month
New York $38/month $28/month
North Carolina $29/month $22/month
North Dakota $26/month $21/month
Ohio $29/month $22/month
Oklahoma $26/month $21/month
Oregon $29/month $22/month
Pennsylvania $32/month $24/month
Rhode Island $34/month $26/month
South Carolina $25/month $19/month
South Dakota $28/month $23/month
Tennessee $27/month $20/month
Texas $32/month $24/month
Utah $25/month $19/month
Vermont $30/month $23/month
Virginia $29/month $22/month
Washington $31/month $23/month
West Virginia $24/month $18/month
Wisconsin $28/month $22/month
Wyoming $26/month $18/month

* Full accident & illness coverage for a 3 year-old 

Cost by Dog Breed

Here is a sample of pet insurance costs of the top 10 most popular dog breeds. Obviously the prices will vary based on your dog's age, where you live and the coverage you select.

Have a dog? Learn more about dog insurance

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

* Full accident & illness coverage for a 3 year-old

Cost by Cat Breed

Here is a sample of pet insurance costs of the top 10 most popular cat breeds. Obviously the prices will vary based on your cat's age, where you live and the coverage you select.

Have a Cat? Learn more about cat insurance

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

* Full accident & illness coverage for a 3 year-old

Factors that Determine Cost

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.

1. Type of Pet You Have

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

2. Your Pet's Breed

Pure breed dogs and cats are slightly more expensive to insure than their mixed breed counterparts because purebreds are more susceptible to hereditary conditions. Hereditary disorders like hip dysplasia, heart disease and cancer are some of the most common and expensive health issues to treat.

3. 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.

4. Your Zip Code

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.

5. Company

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.

6. Coverage

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.

7. 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).

8. Discounts

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.

Need to Take a Breath?

That's okay! Visit our Pet Health Insurance 101

Real Life Stories

Buster & Anna

Pictured: Buster and Anna, Anna pays $42/month on full coverage for Buster

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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