Editor Picks
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How Much Does It Cost to Spay or Neuter a Dog?
July 9, 2024
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Does Pet Insurance Cover Pre-Existing Conditions?
March 20, 2025
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How Much Does It Cost to Neuter a Cat?
July 2, 2025
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Pet Assure Reviews: How It Stacks Up
December 3, 2025
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How Much Is a Vet Visit for a Cat?
July 16, 2024
Learn the Basics
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What Is Pet Insurance? A Complete Guide
Pet insurance reimburses you for your eligible veterinary expenses if your pet gets sick or injured.
February 9, 2026
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How Does Pet Insurance Work?
Pet insurance helps cover unexpected vet bills, though coverage depends on the type of policy you buy.
February 9, 2026
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Average Cost of Pet Insurance in 2026
The national average cost of pet insurance is $44 per month for dogs and $24 per month for cats.
February 9, 2026
Best Pet Wellness Plans for Routine Care
Spot, Embrace, and MetLife are some of the best pet wellness plans you need on your radar.
December 3, 2025
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Best Pet Insurance for Dogs, Cats, and More in 2026
Pumpkin, Nationwide, and Lemonade provide the best pet insurance for cats, dogs, and exotic animals, from puppies and kittens to senior pets.
February 5, 2026
Best Pet Insurance for Dogs, Cats, and More in 2026
Pumpkin, Nationwide, and Lemonade provide the best pet insurance for cats, dogs, and exotic animals, from puppies and kittens to senior pets.
February 5, 2026
Useful Guides
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How to Care for a Kitten
Kittens can be expensive and a lot of work. Here’s what you need to know about taking care of your new pet.
January 5, 2024
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Winter Pet Safety Tips for Dogs and Cats
Keeping your pet warm and dry is the first step toward winter safety.
September 26, 2024
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How Much Does a Vet Visit Cost?
The average cost of a routine vet checkup can range from $50 to $250, but the total cost varies based on the reason for the visit.
August 9, 2024
Questions to Ask Yourself Before Adopting a Cat
Before adopting a cat, make sure you have the time and resources to care for a pet.
December 19, 2023
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Cost of Owning a French Bulldog : Purchase, Vet Bills, and More
French bulldogs are great family pets and cost between $2,000 and $8,000. Veterinary care costs for Frenchies average $600–$1,200 per year.
February 9, 2026
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Best Emergency Pet Insurance Companies
If you’re looking for low rates, direct vet payments, or exotic animal coverage, Figo, Pets Best, and Nationwide offer some of the best emergency pet insurance.
December 3, 2025
Latest Articles
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Cost of Owning an Australian Shepherd : Purchase, Vet Bills, and More
|February 9, 2026
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Best Pet Insurance for Older Dogs
|February 9, 2026
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Cost of Owning a Belgian Malinois : Purchase, Vet Bills, and More
|February 9, 2026
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Cost of Owning a Pomeranian : Purchase, Vet Bills, and More
|February 9, 2026
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Cost of Owning a Labrador Retriever : Purchase, Vet Bills, and More
|February 9, 2026
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Cost of Owning a Cavalier King Charles Spaniel : Purchase, Vet Bills, and More
|February 9, 2026
Methodology
Insurify data scientists analyzed more than 250,000 pet insurance quotes from our proprietary database — sourced by Fletch Insurance Services LLC (“Fletch”) — to determine the premium prices displayed on this page. These quotes come directly from Insurify’s 10+ partner insurance companies across all 50 states and Washington, D.C., reflecting monthly pet insurance costs for both dogs and cats.
Unless otherwise specified, premium prices represent one-year rolling medians to account for market volatility driven by factors such as rising veterinary care costs and increased pet ownership.
Breed-level prices incorporate both mixed and purebred pets. To ensure reliability, a minimum of eight quotes is required for dogs and four quotes for cats. Breeds with significant price deviations from the average are noted explicitly; other breeds are estimated based on average costs for all purebred pets.
Pets are grouped into three age brackets:
- Young: under 12 months
- Adult: 12 months to 7 years
- Senior: over 7 years
Coverage Limits
Dog premium averages reflect policies with annual coverage limits of $2,500, $5,000, $10,000, or unlimited.
Cat premium averages reflect policies with annual coverage limits of $2,500, $5,000, $7,000, $10,000, or unlimited.
For both dogs and cats, monthly premiums are segmented by:
- Deductible options: $250, $500, $1,000
- Reimbursement options: 70%, 80%, 90%