Chihuahua
$11.16–$23 per month
toy/small
How much does pet insurance actually cost?
It depends on three things: your pet's breed, its age, and the coverage profile you pick. This site publishes the figures insurers and industry bodies have already made public — breed by breed, age band by age band — with every number labelled with its source and the coverage assumptions behind it. No blended "averages" with the workings hidden, and no numbers we couldn't source.
The two national benchmarks: the median quoted premium is $43/month for a dog and $23/month for a cat (Insurify, June 2026, 250,000+ quotes), while the average premium actually paid runs higher — $836/year for dogs and $435/year for cats (NAPHIA, 2025 data) — because policies in force include older pets and unlimited plans.
$43/month
Median quoted premium — dogs (Insurify, June 2026)
$23/month
Median quoted premium — cats (Insurify, June 2026)
$836/year
Average premium actually paid — dogs (NAPHIA, 2025)
$435/year
Average premium actually paid — cats (NAPHIA, 2025)
Pet insurance cost calculator
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Dog insurance cost by breed (young adult)
Published monthly figures for a young adult dog, accident & illness cover. Ranges span sources with different coverage profiles — see each breed page for the full audit trail.
Yorkshire Terrier
$13.96–$28 per month
toy/small
Siberian Husky
$16.74–$33 per month
medium/large
Goldendoodle
$16.74–$32 per month
varies (mini to standard)
Australian Shepherd
$17.72–$29 per month
medium/large
Labrador Retriever
$23.30–$55 per month
large
Golden Retriever
$23.30–$41 per month
large
German Shepherd
$23.30–$62 per month
large
Shih Tzu
$26–$26 per month
small
Dachshund
$29–$29 per month
small
Pomeranian
$29–$29 per month
toy/small
Beagle
$35–$45 per month
medium
French Bulldog
$35.85–$89 per month
small/medium
Mixed Breed (Medium)
$39–$39 per month
medium
Standard Poodle
$40–$40 per month
large
Boxer
$54–$54 per month
large
Rottweiler
$63–$85 per month
large
English Bulldog
$66–$83 per month
medium
Great Dane
$67–$88 per month
giant
Bernese Mountain Dog
$73–$73 per month
giant
Doberman Pinscher
$77–$77 per month
large
Cat insurance cost by breed (young adult)
Domestic Shorthair
$23–$23 per month
Siamese
$23–$23 per month
Ragdoll
$24–$24 per month
Bengal
$26–$26 per month
Persian
$27–$27 per month
British Shorthair
$27–$27 per month
Maine Coon
$28–$28 per month
Sphynx
$29–$29 per month
Why published prices for the same dog can differ by 2×
- Annual limit: one major dataset puts a French Bulldog at $69/month with a $5,000 limit and $134/month with unlimited coverage.
- Deductible & reimbursement: a $1,000 deductible at 70% reimbursement can cost half what a $250 deductible at 90% costs — same dog.
- Age: average dog premiums roughly quintuple from puppy to senior in published tables.
- State: state medians run from $32/month (Mississippi) to $66/month (Alaska) for dogs (Insurify).
That's why we show ranges with sources instead of a single suspiciously precise number. Read how our data works, or start with how pet insurance works. Then see what premiums look like in your state, which breeds cost the most (and least) to insure, and what changes when your pet becomes a senior.
- Every figure names its source — no blended averages with the workings hidden.
- No invented numbers — if we couldn't source a figure, we don't publish one.
- Research only — PetPolicyCosts.com is not an insurance company, agent, or broker.
- Figures collected 2026-11-11 — from the published sources cited on each page.