Editor Picks
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Learn the Basics
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What Is Pet Insurance?
Find out how pet insurance works and how to choose the right insurance policy so you won’t be caught off guard by a costly veterinary bill.
July 1, 2025
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How Does Pet Insurance Work?
Pet insurance covers some of your pet’s veterinary expenses, depending on your coverage. Learn more about how pet insurance works.
August 4, 2024
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How Much Is Pet Insurance
U.S. pet owners pay an average monthly pet insurance premium of $44 for dogs and $24 per month for cats.
April 10, 2025
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Is Pet Wellness Insurance Worth It?
Pet wellness insurance can give you peace of mind when it comes to preventative care for your pet. Learn how it works.
February 7, 2024
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Best Pet Insurance Companies
Looking for the best pet insurance? Compare top insurers based on coverage, cost, plan flexibility, and availability to find the right coverage fit.
June 4, 2025
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Best Pet Insurance Companies
Looking for the best pet insurance? Compare top insurers based on coverage, cost, plan flexibility, and availability to find the right coverage fit.
June 4, 2025
Emergency Pet Insurance
Find emergency insurance for your pet. Compare quotes from Figo, Healthy Paws, Nationwide, and more.
June 24, 2025
Useful Guides
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New Kitten: Taking Care of Your New Cat
Check out Insurify’s guide to what you need to know as a new cat owner.
January 5, 2024
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29 Holiday Pet Safety Tips for Dogs and Cats
It’s important to keep your pet safe and sound this winter season. Learn more about top winter pet safety tips.
September 25, 2024
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How Much Does the Vet Cost?
Taking your pet to the vet can be expensive. Learn how much a visit to the vet might cost you.
August 8, 2024
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Before You Adopt a Cat | A List of Things to Consider
Adopting a cat can come with emotional and social benefits, but it’s also a commitment. Before adopting, be sure you have the necessary time, money, and energy.
December 19, 2023
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How Much Is a French Bulldog?
The cost of purchasing and owning a French bulldog depends on where you get it from, its age, gender, and more.
July 20, 2025
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Emergency Pet Insurance
Find emergency insurance for your pet. Compare quotes from Figo, Healthy Paws, Nationwide, and more.
June 24, 2025
Latest Articles
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Is Pet Insurance Worth the Cost?
4 min. read|July 20, 2025
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Cost of Owning a French Bulldog (2025): Purchase, Vet Bills, and More
July 20, 2025
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How Much Does It Cost to Neuter a Cat?
July 2, 2025
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Does Pet Insurance Cover Spaying or Neutering?
4 min. read|July 1, 2025
What Is Pet Insurance? A Complete Guide (2025)
July 1, 2025
Does Pet Insurance Cover Emergency Vet Visits?
June 20, 2025
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%