Pet Insurance costs, by state and province

Typical costs for pet insurance per month. Pet age, breed, and coverage level set the monthly cost. Open a market below for a local estimate.

Pet insurance helps cover veterinary costs for accidents, illnesses, and sometimes routine care. Monthly premiums for dogs typically range from $30 to $70, while cats cost $15 to $40 per month for standard accident-and-illness plans. Rates depend on species, breed, age, and the level of coverage selected.

What Drives the Price

Breed and age are the primary factors; a 5-year-old Labrador retriever costs $40–$60 per month for accident-and-illness coverage, while a mixed-breed cat under 2 may cost $20–$30. Older pets see premiums rise sharply, often 10% to 20% per year after age 8.

Coverage Types

Accident-only plans cost $10–$20 per month for dogs and $6–$12 for cats, but cover only emergencies. Accident-and-illness policies average $35–$65 for dogs and $15–$35 for cats, with annual deductibles typically $200–$500. Some insurers offer wellness add-ons for $10–$25 extra monthly.

How to Compare Quotes

Request quotes from providers like Healthy Paws or Nationwide using the same deductible (e.g., $250) and reimbursement percentage (e.g., 80%). A 2-year-old golden retriever might cost $45–$55 monthly with a $250 deductible and 80% reimbursement. Check coverage limits and exclusions for pre-existing conditions.

Typical Pet Insurance prices
ItemTypical range
Dog Monthly Premium$30 - $70
Cat Monthly Premium$15 - $40
Annual Deductible$200 - $500
Reimbursement Levels70% - 90%

Every market for pet insurance costs

383 markets have a page, each with a typical range where we have one and plain guidance on what moves the price.

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