Editor Picks
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How Much Does It Cost to Spay or Neuter a Dog?
Spaying or neutering your dog can cost $20 to $500, but it depends on your dog, where you have the procedure performed, and other factors.
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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.
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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.
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Best Pet Wellness Plans for Routine Care
Spot, Embrace, and MetLife are some of the best pet wellness plans you need on your radar.
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Best Pet Insurance in 2026: Compare Quotes From Top Companies
Lemonade and Healthy Paws top the list of best pet insurers.
Best Pet Insurance in 2026: Compare Quotes From Top Companies
Lemonade and Healthy Paws top the list of best pet insurers.
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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.
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.
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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.
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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.
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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.
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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.
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.
Latest Articles
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Cost of Owning a Siberian Husky : Purchase, Vet Bills, and More
You’ll pay anywhere from $150 to $2,000 or more for a Siberian husky, depending on where you get it, its age, the color of its coat and eyes, and more.
The Annual Cost of Owning a Dog
The cost of a dog varies a lot, but most people spend between $1,200 and $4,300 per year. Learn about the many costs involved in your pup’s care.
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Cost of Owning a Bichon Frise : Purchase, Vet Bills, and More
A bichon frise can cost as much as $3,000–$3,500 from a reputable breeder, but you may find lower costs depending on where you live in the U.S.
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Cost of Owning a Labrador Retriever : Purchase, Vet Bills, and More
The price of a labrador retriever puppy could range between $300 and $2,500, on average. Meanwhile, caring for a lab could cost as much as $1,500 to $3,000 per year.
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Cost of Owning a Chihuahua : Purchase, Vet Bills, and More
The average price of a Chihuahua puppy from a reputable breeder is about $2,550, but Chihuahuas are commonly available from animal shelters for around $200.
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Cost of Owning a German Shepherd : Purchase, Vet Bills, and More
German shepherd puppies from an accredited breeder typically cost $2,000 to $4,500. But where you get the dog from and its characteristics affect the costs of this breed.
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%