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About dog insurance costs
The dog insurance prices below reflect typical ranges across the US. What you actually pay depends on the options you choose, where you live, and the provider you select. Adjust the calculator above with your details and ZIP code for a closer figure, then compare written quotes before you decide.
Average dog insurance cost
| Scenario | Typical range (US) |
| Accident-only plan | $15 - $30 / mo |
| Accident + illness (most common) | $30 - $55 / mo |
| Comprehensive + wellness | $45 - $80 / mo |
| Large / giant breed | +25% to +50% |
| Multi-pet discount | 5% to 10% off |
What affects dog insurance cost
- Dog's age. Premiums climb as dogs age.
- Breed and size. Large and giant breeds cost more to insure.
- Coverage level. More coverage and wellness add-ons cost more.
- Deductible and reimbursement. Higher deductibles lower the premium.
- Location. Regional vet costs affect rates.
- Pre-existing conditions. Existing conditions are excluded.
Frequently asked questions
How much does dog insurance cost per month?
Most accident-and-illness plans run $30 to $55 a month, more for large breeds and seniors.
Is dog insurance worth it?
For breeds prone to costly conditions or if a surprise surgery would strain your budget, it often pays for itself in one claim.
Does dog breed affect insurance cost?
Yes. Large and giant breeds, and breeds with hereditary issues, cost more to insure.
Does dog insurance cover pre-existing conditions?
No. Enroll while your dog is young and healthy to lock in lower rates and avoid exclusions.
What does dog insurance cover?
Accident-and-illness plans cover injuries, illnesses, diagnostics, surgery, and medication; wellness add-ons cover routine care.
Compare quotes
Premiums vary widely by breed and insurer. Comparing a couple of quotes gives you your real monthly rate.
Get real dog insurance quotes
Compare free, no-obligation quotes from top-rated pet insurers near you.Get my free quotes
Advertising disclosure: we may earn a commission from quote requests, at no cost to you.