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Pet insurance is a type of coverage that can provide financial reimbursement for your pet’s health care, including illness, injury, and routine visits. You’ll pay a monthly premium for the plan and then file a claim if your pet has an accident, illness, or other diagnosed medical condition. On average, accident and illness coverage costs $53 per month for dogs and $32 for cats across the U.S.
The cost of your premium will depend on your pet and where you live. Older animals and breeds with common hereditary issues will likely cost more to insure. While having coverage can ease the financial burden of unexpected veterinary costs, it won’t cover all types of medical care.
Here’s what you need to know about pet insurance, including what it covers and how much you can expect to pay for a policy.
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How much does pet insurance cost?
The U.S. average cost of accident and illness pet insurance is $53 per month for dogs and $32 per month for cats, according to data from the North American Pet Health Insurance Association (NAPHIA). Your own costs can vary depending on the type of pet you’re insuring — as well as its age, health, and breed — where you live, and the amount of coverage you buy.
As with health insurance for humans, pet insurance premiums depend on the specifics of the pet you want to insure. This means that you may pay more or less for coverage depending on the following factors:
Dogs often cost more to insure than cats for a few reasons that increase costs at the vet. For example, dogs are typically larger than cats and require higher medication doses.
Your pet’s breed can increase the cost of pet insurance due to its size or if it’s prone to certain genetic conditions or injuries.
Pet owners typically file fewer claims for female pets than male pets.
Where your pet lives also matters, as average veterinary costs can vary by city and state.
The coverage you want
As you probably expect, your pet insurance rates will also depend on how much coverage you want to buy and what type of insurance you need. Accident-only coverage provides less coverage than accident and illness policies, so it costs less. The average cost of an accident-only policy is $17 per month for dogs and $10 for cats.
Good to Know
Your policy’s deductible, reimbursement percentage, and annual maximum reimbursement all affect your insurance costs. You can adjust your policy costs by choosing a higher (or lower) annual deductible for claims.