We ’ ve created a public dataset so you can see how the average cost of pet insurance differs by breed, long time, and submit .
Use this mesa of Contents to jump to the section that interests you most :
How Much Does Pet Insurance Cost on Average in the US?
The average monthly pet insurance premium is $49.51 for dogs and $28.48 for cats, according to the latest reputation published by the union american Pet Health Insurance Association ( NAPHIA ) .
Like human health policy, you must pay monthly premiums to your pet indemnity supplier to keep your policy active. These premiums are frequently the beginning thing US positron emission tomography owners look at when considering a plan .
There are two main types of policy coverage for dogs and cats, and the plan you choose will affect the full cost :
- Accident & Illness Coverage: Protects against treatment costs for accidental injuries and unexpected illnesses like disease, infection, poisoning, and even cancer. (Learn more.)
- Accident-Only Coverage: Protect against treatment costs from accidental injuries only. (Learn more.)
Most people enroll in an Accident & Illness plan, so the datasets reported below will focus on Accident & Illness premiums. however, note that Accident only plans are besides available at a cheaper pace, but with substantially less coverage .
Average Monthly Pet Insurance Premiums (US), Year-Over-Year
|Dog, Accident & Illness||Cat, Accident & Illness|
eminence : Because there are such massive differences in premiums depending on each unique frank or cat — you must take the national averages listed above with a ingrain of salt. The data is much more informative when we look at breakdowns by breed, age, and localization .
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Average Pet Insurance Costs by State, Monthly
Average Dog Insurance Costs by State and Age, Monthly
|State||Average Premium for 6-month Puppy||Average Premium for 18-month Dog||Average Premium for 5.5-year Dog|
Average Cat Insurance Costs by State and Age, Monthly
|State||Average Premium for 6-month Kitten||Average Premium for 18-month Cat||Average Premium for 5.5-year Cat|
Average Dog Insurance Costs by Breed and Age, Monthly
Didn ’ t see your breed list above ? You might find it on our dog indemnity directory page .
Average Cat Insurance Costs by Breed and Age, Monthly
Didn ’ t see your breed list above ? You might find it on our cat policy directory page .
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Factors That Affect the Price of Pet Insurance
The cost of a pet insurance plan is calculated based on several factors, some of them you do have some operate over to calibrate the price .
Pet Insurance Price Factors [Chart]
|Impacts Premium Cost||Ability to Control|
|Breed||Not in your control|
|Age of pet||Not in your control|
|Zip code||Not in your control|
|Company partner discounts||Not in your control|
|Plan/Coverage Type||You control|
|Payout Limit||You control|
|Billing Schedule (Monthly vs Annual)||You control|
|Number of Pets Enrolled Under Same Plan||You control|
Your darling ’ randomness long time, location, and breed all influence the cost. Dogs tend to cost a small more to insure than cats. Older pets are more likely to need veterinarian care, so pet indemnity companies charge more to cover them. Some breeds are more prone to sickness than others, so obtain coverage for them might be more expensive .
Pro Tip : manipulation Pawlicy Advisor to search for quotes across top providers that fit into your budget – all in one home .
If you want to insure multiple pets, you can get a multi-pet deduction ( much about 10 % on each extra pet ). Additionally, some providers offer a belittled deduction for paying annually, quite than monthly .
Reimbursements and Out-of-Pocket Costs
Pay attention to your plan ’ south annual deductible, reimbursement share, and annual coverage limit. Your deductible is the measure you must pay out of air pocket before your plan starts to cover costs. The lower this is, the less you ’ ll need to pay out of scoop each class for veterinary care .
meanwhile, your reimbursement share is the share you ’ ll be reimbursed for based on your cover veterinarian expenses. For example, if your reimbursement share is 90 % and your veterinarian bill is $ 1,000, you can expect to be reimbursed $ 900 from your policy caller if your deductible is already met .
finally, your annual coverage limit is the maximum dollar amount your insurance company will reimburse for you in a single class. Some plans come with “ Unlimited ” annual coverage, which means you ’ ll never hit a cap for reimbursement. other plans may reimburse anywhere from $ 2,500 to $ 25,000 each year .
All these numbers influence how much you pay for your design each calendar month and how much you pay out of pocket for care. For example, you could save on your monthly policy costs by opting for a plan with a low reimbursement percentage, but you ’ ll have to pay more out of air pocket to the vet if your pet needs treatment.
Is It Worth The cost ?
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Expected Lifetime Costs
As with any indemnity, premiums change based on the associated gamble of an incidental necessitate coverage. That ’ sulfur why breeds that are at a higher risk of having an injury or illness arise monetary value more to insure than those breeds that are generally healthier. similarly, premiums change as your pet ages, and the rate at which they change can vary drastically between indemnity companies .
Some providers won ’ t increase your monthly premiums until a certain act of years have passed since you signed up for your plan. Some providers don ’ thyroxine increase premiums at all due to pet age but will do so after each filed claim .
What ’ s more — sometimes the lowest-cost plan today is not the lowest price across the life of your pet .
Because of this, Pawlicy Advisor built a rid creature that helps you compare pet insurance options and crunches the numbers to provide a look at how going with one design can save you on indemnity costs vs another .
This Lifetime Price Score is customized for each person and indicated in the personalized search results you receive when using Pawlicy Advisor to shop for positron emission tomography insurance :
again, the Lifetime Price Score ranks how much we expect the total costs to compare across the life of your favored, taking into account any agio increases that might happen as your darling ages .
If the score is high, that ’ sulfur good ! You ‘ll be saving hundreds ( or even thousands ) across the life of your darling .
How to Save on Insurance Costs and Get The Right Coverage
Determining the best type of favored insurance for your needs is brainsick difficult when doing it by yourself. The reality is that to efficaciously compare policies, evaluate lead providers, and find the right coverage at the best price you ‘ll need to :
- create a spreadsheet
- fill out forms on every provider’s website
- record your quote options with notes on coverage, exclusions, waiting periods
- and dive into the fine-print for each policy to uncover and exclusions that are relevant to your specific breed
… or, you can use Pawlicy Advisor and save your sanity .
rather, you fill out one human body and the joyride analyzes hundreds of policies across top providers. You ‘ll get a personalize recommendation based on ideal coverage and lifetime costs for your pet ‘s unique breed, old age, and placement .
Finding the Lowest Rates
If you ‘re aiming for the lowest price ( rather than the best bang-for-your-buck ), you can easily sort by price and see all options lined up .
You ’ ll besides have any discounts Pawlicy Advisor can find mechanically applied .
Pet parents need an easy manner to see the wide variety of plans on the market so they can make better decisions for themselves and their pets .
Do n’t spend hours sifting through each provider ’ second marketing material. alternatively, practice Pawlicy Advisor to make bribe pet policy 100x easier .
It ‘s the chic way to find the best policy for your budget .