How Much Does Dog Insurance Cost?

Dogs are a man’s best friend. We would go to any extent to protect these animals which become part of our family. One of the first steps in enduring our dog’s safety is to get dog insurance. Keep on reading to find out how much it will cost.

Any pet parent knows how costly a visit to the veterinarian can be. Fortunately, you can find support for your pet’s clinical care, just like when you go to the doctor. Similar to your own health insurance, pet insurance can reduce the monetary blow of an emergency visit.

The expense of veterinary care can add up rapidly, particularly as your dog ages or if he/she has an ongoing disease. Regardless of whether you think you have a lot of cash put aside for crisis, the expense of treatment and follow-up care will bring a quick monetary weight on you and your family. Dog insurance will diminish the blow of a startling accident or a drawn-out ailment, with the goal that your cash is still safe for you to enjoy your pet and your life.

By considering dog health insurance as an investment and protection in the event of a crisis, it turns out to be a lesser issue of whether you ought to consider pet insurance and more of an issue of which dog insurance strategy is best for you and your dog.

So how much does dog insurance cost? On average, pet insurance for dogs costs around $40 each month, while pet insurance for cats is around $20. The specific expense relies upon your supplier, where you live, and your pet’s breed, age, and health. Also, similar to human insurance, pet insurance suppliers have various degrees of coverage.

How does dog insurance work?

Basically, pet insurance assists you with taking care of the expense of vet bills, so you can have confidence that your dog will get the most ideal care, paying little mind to what your bank account resembles when the startling occurs. Like vehicle insurance, the expense of your dog insurance will fluctuate contingent upon what is included in your policy, along with other components like the age/breed of your dog and where you live.

At the point when you pick a policy, you will pay a premium, which is typically month to month, to carry the insurance. Your chosen policy will characterize what is covered, for example, accidents only or more expanded coverage of health visits, and so on, as well as the amount which will be covered by your insurance policy.

At the point when your pet requires care that is covered by your policy, you will pay a deductible, which is expressed in your policy. After your deductible, your insurance organization will ordinarily work with the veterinarian to pay their segment of the expense of care. A delegate from your chosen health insurance organization can talk you through the particulars of how the claim process works for that organization.

For instance, if your policy offers 90% inclusion for new ailments with a $100 deductible, you will pay $100 at checkout and afterward 10% of the remaining balance. If your pet becomes ill again in that year (or the time of your deductible), you will just cover 10% of the bill, since your deductible has effectively been met.

What does pet insurance cover?

The best pet insurance plans can give significant inclusion to the most costly health treatment and diagnostics. Notwithstanding, contingent upon your insurance plan, your policy may not cover each condition/cost your pet has. This is the reason it is so imperative to find an arrangement that covers your pet’s breed-specific health hazards.

Pet insurance can cover:

  • Emergency exam fees
  • Medication
  • Surgery (like cruciate ligament tears, cataracts, and more)
  • Tests/diagnostics (like x-rays, blood tests, MRIs, and more)
  • Unexpected illnesses (like cancer, glaucoma, hip dysplasia, parvovirus, and more)
  • Unexpected injuries/accidents (like foreign object ingestion, broken bones, and more)

Generally, most pet insurance policies cover costs in the above categories as long as they are not linked to a pre-existing condition. The subtleties will be based on the type of coverage and the provider you choose.

Some pet insurance plans also cover:

  • Acupuncture
  • Alternative therapies
  • Behavioral modification
  • Chiropractic
  • Exclusions
  • Hospital boarding
  • Hydrotherapy
  • Lost pet advertising/reward
  • Nursing/Whelping
  • Pet Insurance Does Not Cover:
  • Pre-existing conditions
  • Preventative care
  • Routine care/Wellness exams
  • Spay/Neuter
  • Vaccinations

Pet insurance providers often do not cover pre-existing conditions, however, some providers will cover conditions that can be cured after a specific waiting period with no recurring symptoms. Moreover, pets with a pre-existing condition are still qualified for insurance, their coverage would only exclude the specific condition that already exists.

Coverage type will affect the pet insurance cost

Usually, there are three sorts of coverage: accident-only plans, accident-illness plans, and accident-illness plans with wellness coverage. The words “accident”  and “illness” may appear to be somewhat unclear, however, there is a difference between the two. An accident happens when a pet is actually injured in an accident, which may cause fractures (broken bones), burns, cuts, or other physical wounds. Insurance that covers ailments will cover treatments for viral infections, parasites, hip dysplasia, and in some cases, even tooth extraction in case of dental infections.

Accident-only plans will just give reimbursement for emergency care associated with accidents as if your pet is harmed by a vehicle or injures themselves by falling down the stairs. This sort of inclusion does not cover sicknesses or breed-explicit issues

Accident-illness plans give inclusion for both, accidents and sudden illnesses. It is the most well-known, as it addresses about 98% of plans given by the pet insurance industry. This kind of plan will not cover preventive consideration or previous conditions, however, you can expect repayment for nearly all the other things. Finally, you can buy an accident-illness plan with a health add-on. This is the most costly kind of plan available, however, it gives the most comprehensive level of inclusion. The only health issues that are not covered, are pre-existing conditions.

A Wellness Plan is not really viewed as pet insurance. They assist with costs around routine care, preventative care, checkups, and yearly vaccines, but not much else. These are normally sold as extra features to other health insurance plans. This kind of plan does not cover accidents, common injuries, or emergency treatments for diseases.

What is the average cost of pet insurance for a dog?

Dogs come in various shapes and sizes, and the expenses for pet insurance of a dog can differ greatly dependent on its breed. The average monthly premium across 11 of the top pet insurers for dog insurance was $42.45. To find the average dog insurance premium, the following were taken into consideration:

  • $500 deductible
  • $5,000 annual max
  • 80% reimbursement level

Despite parameters for location, dog, and insurance plan, being the same, a $50 range could be seen across the insurers’ plans. Therefore, if the area where you live has expensive veterinary costs or if you own an injury-prone dog, your monthly premium to be closer to $70 than $25. Similarly, the premium you pay will be higher if you want more inclusion, or if you decrease the deductible or increase your reimbursement level. The following list shows the monthly premium quotes across all insurers:

  • Embrace: $25.25
  • Figo ($10k annual max): $31.13
  • Nationwide ($250 deductible, unlimited max): $33.08
  • PetFirst: $34.95
  • AKC/PetPartners ($3k incident max): $35.00
  • ASPCA: $39.94
  • Petplan: $40.83
  • PetsBest: $44.19
  • HealthyPaws (no annual max): $52.09
  • Trupanion (no annual max, 90% reimbursement): $58.14
  • 24PetWatch ($100 deductible): $72.32

Accident & illness coverage

  • Annual: $585.40
  • Monthly: $48.78

Accident-only coverage

  • Annual: $194.09
  • Monthly: $16.17

Here is how insurance quotes for a few of the most mainstream dog breeds stack up, as indicated by quotes from pet back insurers like Figo, Healthy Paws, and Embrace. Business Insider got quotes from each of the three organizations for an accident and injury policy, then averaged the three quotes together. Quotes for each breed were for policies with $250 deductibles, 80% reimbursement, and an unlimited maximum yearly payout. The following list shows the average monthly premium for specific dog breeds:

  • Mixed breed – small: $35.28
  • Mixed breed – medium: $49.26
  • Mixed breed – large: $65.06
  • Labrador Retriever: $69.62
  • German Shepherd: $77.35
  • Golden Retriever: $74.90
  • French Bulldog: $99.28
  • American Bulldog: $115.40
  • Poodle (standard): $59.51
  • Beagle: $58.86
  • Rottweiler: $114.70
  • German Shorthaired Pointer: $60.48
  • Corgi: $50.76

You will get the least expensive insurance for mixed breeds. As per the NAPHIA, purebred dogs and cats are more likely to have inherited medical conditions as compared to mixed-breed pets. Some breeds have more inherited health conditions than others.

Short-nosed dogs, such as bulldogs or pugs, are likewise more expensive to insure since breathing problems are more common. Moreover, large dogs are also very costly to insure since they require more medication, which can cost more. According to the NAPHIA, they are also more prone to joint issues than small dogs.

Average cost of treatments

In case you are attempting to choose whether pet insurance is great, you ought to think about the expense of treatments without insurance. As indicated by information dependent on average claims from PetFirst holders, the most widely recognized dog treatments cost $252.75 on average. Remember that even a portion of the more normal issues, for example, treating parvo in puppies, can be very costly — the average claim is more than $900. What’s more, is that serious diseases like cancer are more uncommon, but treatment is additionally substantially more expensive — chemotherapy alone can cost $5,000 to $10,000.

  • Allergies: $234.84
  • Arthritis: $255.75
  • Bladder issues: $617.17
  • Diarrhea: $203.14
  • Ear infection: $149.30
  • Eye infection: $115.45
  • Hypothyroidism: $123.29
  • Skin infection: $175.97
  • Sprains: $267.17
  • Upset stomach: $385.46

As a rule, paying for treatment out-of-pocket for the most well-known dog and cat conditions is more affordable than the yearly expense of insurance. Nonetheless, remember that insurance is intended to help bring down the weight of the more costly and more uncommon conditions and sicknesses, such as fracturing a limb, or getting cancer. In these cases, having insurance will help bring down the monetary weight of an exorbitant policy.

Pet insurance reimbursement levels

Pet insurance strategies are reimbursement-based, which means that you will typically need to pay upfront for your pet’s medical bills and present a claim to the pet insurance organization. Whenever you have met the deductible for your arrangement by paying out-of-pocket, coverage will kick in at the level illustrated in the plan. You can commonly pick reimbursement alternatives of 70%, 80%, or 90% of the pet medical costs that are covered by the arrangement.

Pet insurance costs are higher for better degrees of reimbursement. For instance, on the off chance that you have a $500 yearly deductible and 80% reimbursement, you will be answerable for the first $500 of your pet’s covered medical costs during the policy time frame. You will then, at that point be repaid for 80% of your pet’s medical costs that are covered by the plan.

For example, if the pet had a medical procedure that cost $1,500, and it was your first claim of the approach time frame, you would pay $1,500 to the vet. The first $500 of that is your deductible, and afterward, you would be repaid 80% of the excess $1,000, for reimbursement of $800.

Remember, you will just be repaid for medical costs that are covered by the strategy. For instance, if you have accident-only coverage, you will not get repaid for illness-related issues.

Factors that affect your cost:

You may have known this already, yet there are continually going to be a couple of elements that will change the cost of your policy. The weight of each factor will rely upon the organization you pick. At the point when you settle on a supplier, you will be approached to round out a survey. These inquiries will without a doubt incorporate the accompanying.

  • Breed – Some dog breeds are more likely to get ill or injure themselves. For instance, the Bulldog breed, which can suffer from breathing problems.
  • Cover – Each cover is going to differ in its limitations. For instance, an organization with numerous limitations may offer you a less expensive price. However, you need to know whether you are covered in all areas.
  • Age – The age of your dog will definitely have an impact on the price. Your pet is more prone to injury and illnesses as they get older.
  • Your location – The cost of living in your location will either increase or decrease the cost of your policy.

List of cost affecting factors:

  • Age (compared to its typical life expectancy)
  • Breed
  • Common indoor and outdoor risks in the area
  • Deductible
  • Location
  • Payout Limit
  • Plan type
  • Policy provider
  • Reimbursement Rate
  • Size (height, weight)
  • Term and length of insurance policy

When comparing pet insurance options, you need to read the fine print to understand any exclusions and specific pre-condition waiting periods – as well as have an understanding of what conditions your breed is most at risk for.

What is the best pet insurance for dogs?

Lemonade: Best for policy bundles

Knowing the fact that numerous homeowners also own pets, Lemonade offers a 10% discount in the event that you group pet insurance with their renters or homeowner’s insurance. Basic insurance coverage begins at $10 each month. Quotes will in any case change, however, since the last premium factors in where you reside, your pet’s age, breed, and whether it is a cat or a dog. Most pet insurance avoids coverage for routine care — like yearly physical checkups, heartworm screening, parasite tests, and yearly vaccinations — yet Lemonade permits pet owners to add a reasonable Preventative and Wellness bundle to expand coverage for these things.

FIGO: Best 100% coverage

FIGO has been around for less than 10 years, however, its growth in market share has been remarkable because of two reasons: simple online access, lots of technology, and vigorous coverage. FIGO offers three different plan levels to choose from, all of which cover inherited, intrinsic, and chronic conditions. Every approach has its yearly limits, beginning at $5,000 up to “unlimited.” You ought to know that relying upon the state and age of the pet, a few strategies may likewise have a lifetime limit of $100,000 for the most economical arrangement.

Pumpkin: Best for multiple pet households

On the off chance that you have a family with various pets of different ages, you can apply for Pumpkin’s pet insurance and meet all requirements for a 10% multiple pet discount for each extra pet. This applies to older pets as well, and they will not be liable to either decreased coverage or outright denial of coverage exclusively because of their old age. Pumpkin’s coverage for accidents and ailments incorporates standard things like MRI’s, CT scans, surgeries, prescription medications, and hospitalization. The approach additionally stretches out to social issues, microchip implantation, and also alternative treatment.

Embrace: Best for dental illnesses

Embrace gives high coverage for dental ailments: $1,000 per policy year in many states. The organization covers extractions, root canals, crowns, gingivitis, and broken, chipped, or cracked teeth. Fundamental coverage begins at under $6 each month for cats and $12 for dogs, and covered treatment incorporates alternative therapies, rehabilitation, behavioral therapy, emergency veterinary care, visiting a specialist, diagnostic testing (counting x-rays and MRIs), hospitalization, and medical procedure, prosthetics and mobility gadgets, prescription medication coverage.

Pets Best: Best for older pets

Most pet insurance plans will not compose another policy for an older pet — 12 is by and large the age limit for dogs and cats. Pets Best does not have a maximum age limit, so you could in any case get coverage on your aging pet. However, similar to all insurance providers, Pets Best will not cover pre-existing conditions.

TrustedPals: Best for customizing policies

TrustedPals gives the standard coverage to dogs and cats in addition to a little bonus, at an affordable expense, with flexible payment choices. Coverage starts for pets that are two months old and older, with no maximum age limit. There are no limitations on constant diseases if they start after the policy effective date. TrustedPals will cover costs for vet visits, surgeries, hospital stays, and lab work, along with prescription drugs, to reference only some critical advantages. Insofar as your vet endorses it, your approach will likewise cover alternative treatments like needle therapy and hydrotherapy.

Spot: Best for alternative therapies

Spot offers comprehensive accident and sickness coverage and considers adaptable alternatives to be applied, making it a balanced arrangement for most pets. The SPOT On coverage repays for standard injuries, ailments, or emergencies like broken bones, poisoning, stomach-related issues, cancer, joint pain, wounds, and cuts. It likewise covers inherited conditions like hip dysplasia and eye conditions, as long as they are not pre-existing conditions.

Is it worth it to have pet insurance?

1 out of every 3 pets will require emergency veterinary treatment inside a given year. Would it be a good idea for you to get pet insurance? For some pet owners, the appropriate response is yes, because it gives valuable financial security to unexpected veterinary expenses and invaluable peace of mind. As far as dogs are concerned, they love getting up to mischief. They are always messing around and putting themselves in danger of injury. Additionally, as you will know, dogs will eat pretty much anything. For instance, they would joyfully eat a full chocolate bar when you are not looking. This, obviously, leads to sickness. So yes, dog insurance is vital. In the event that you cannot pay for emergency vet bills, you ought to have pet insurance. However, you ought to have it in any case. Diseases and injuries cause unexpected charges. You can stay away from these by choosing an affordable policy supplier. After all, you need to keep your pet safe and save up cash also.

How to get lower rates?

You can save money on pet insurance by enrolling when your pets are still young, as your month-to-month premiums are guaranteed to be lower. Some pet insurance suppliers will likewise give you a discount on your bill on the off chance that you consent to make yearly payments rather than monthly payments. Others offer limits on the off chance that you protect different pets under a similar supplier. Another approach to keep your premiums low is to choose a higher deductible, however, remember that you will need to meet that deductible by paying out-of-pocket before your insurance plan starts to reimburse your veterinary expenses. Also, you can minimize expenses on the off chance that you select a lower reimbursement rate or a lower inclusion limit, yet this will restrict the sum you get from your insurance provider if your pet gets seriously sick or injured.

Things to consider when getting an insurance policy

Here are some things to keep in mind when taking out a policy;

Don’t choose from the price

Individuals will regularly pick the lowest-priced strategy believing they are getting a “deal”. This is a slip-up! You need to ensure that the low-valued suppliers do not have any hidden limitations. The last thing you need is to find out that you are not covered after your dog has had a major accident.

Get the policy straight away

Getting your policy might be at the back of your brain when you get a new puppy. What’s more, is that you may procrastinate for a little while. This is a mistake! Anything can occur at any point in your dog’s life. From the very first moment, you need a policy set up. It will keep your dog secure. Also, it will save you from unanticipated charges.

Review the terms and conditions

Individuals consistently neglect to read the terms and conditions. It surely is not fun and can appear fairly “exhausting”. Nonetheless, it is quite possibly one of the main elements prior to taking out a strategy. Learn and comprehend what you are purchasing. It’s your cash, spend it smarty.


The expense of pet insurance relies upon numerous elements. First of all is your pet’s age, size, and breed, which can influence the probability that they will get sick or require veterinary care. Your month-to-month premiums will likewise rely upon the yearly limit, deductible, and reimbursement percentage you pick when you pursue inclusion. At long last, obviously, each organization sets its own pricing. Among the top pet insurers, costs for a two-year-old dog began at $11.95 per month on the low end of things.

Pet parents realize that the expense of pet possession is not cheap, and it is difficult to say whether pet insurance will at any point pay for itself, simply because nobody can anticipate what is to come. At last, having pet insurance is great for certain individuals, however not for others.

Preferably, your pet will not ever endure a significant disease or injury that requires broad veterinary care. In any case, with all insurance, the thought is that by paying an ostensible charge for inclusion, you will wipe out the danger of paying thousands in the unlikely event that your pet faces a critical emergency. Many pet proprietors feel that this expense is worth knowing that they will never face a period where they would not be able to manage the cost of a life-saving procedure for their dearest 4-legged family members.

John Otero

John Otero

John Otero is an industry practitioner with more than 15 years of experience in the insurance industry. He has held various senior management roles both in the insurance companies and insurance brokers during this span of time. He began his insurance career in 2004 as an office assistant at an agency in her hometown of Duluth, MN. He got licensed as a producer while working at that agency and progressed to serve as an office manager. Working in the agency is how he fell in love with the industry. He saw firsthand the good that insurance consumers experienced by having the proper protection. John has diverse experience in corporate & consumer insurance services, across a range of vocations. His specialties include Major Corporate risk management and insurance programs, and Financial Lines He has been instrumental in making his firm as one of the leading organizations in the country in generating sustainable rapid growth of the company while maintaining service excellence to clients.