Pet Insurance Estimator
Estimate your monthly pet insurance premium based on pet type, breed size, and age.
Estimated Monthly Premium
Pet insurance premiums vary based on species, breed size, age, and coverage level.
Average monthly premiums (U.S., 2025):
| Pet Type | Accident & Illness | Accident Only |
|---|---|---|
| Dog (average) | $50–$70 | $15–$25 |
| Cat (average) | $30–$45 | $10–$18 |
How age affects premiums:
- Puppy/Kitten (0–1): Base rate + 5% (limited history)
- Young adult (1–4): Base rate (lowest premiums)
- Adult (5–8): Base rate + 20–40%
- Senior (9+): Base rate + 50–100%
How breed size affects dog premiums:
- Small (under 25 lbs): Base rate
- Medium (25–55 lbs): +10–15%
- Large (55–80 lbs): +20–30%
- Giant (80+ lbs): +30–50% (more health issues)
What pet insurance typically covers:
- Accidents and injuries
- Illnesses and diseases
- Surgery and hospitalization
- Prescription medications
- Diagnostic tests (X-rays, blood work)
What it typically does not cover:
- Pre-existing conditions
- Routine wellness visits (unless added)
- Dental cleaning (unless added)
- Breeding-related costs
Note: This is an estimate. Actual premiums vary by provider, location, deductible, and reimbursement level.