Most pet insurance projects cost between $20.00 and $80.00 per month, with a typical price near $45.00. Prices vary by state and city, so the range below is a planning guide rather than a quote.
Typical pet insurance cost
$20.00 – $80.00
per month · typical $45.00
A general planning range, not a quotation.
Pet insurance cost breakdown
- Accident-only$10.00 – $30.00typical $20.00
- Accident & illness$25.00 – $70.00typical $45.00
- Wellness add-on$40.00 – $100typical $65.00
What Pet Insurance costs
Monthly premium for pet health insurance. Accident-only plans are cheapest; comprehensive with wellness add-ons cost more. Average $45/month for a dog.
Costs by state
- Alabama
- Alaska
- Alberta
- Arizona
- Arkansas
- British Columbia
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Manitoba
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Brunswick
- New Hampshire
- New Jersey
- New Mexico
- New York
- Newfoundland and Labrador
- North Carolina
- North Dakota
- Northwest Territories
- Nova Scotia
- Nunavut
- Ohio
- Oklahoma
- Ontario
- Oregon
- Pennsylvania
- Prince Edward Island
- Quebec
- Rhode Island
- Saskatchewan
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
- Yukon
Frequently asked questions
Are pre-existing conditions covered?
No, most insurers exclude pre-existing conditions. Get insurance before your pet develops issues.
How do deductibles and reimbursement work?
Choose an annual deductible ($100-500) and reimbursement level (70-90%). Higher deductible/preimbursement lowers premium.
What are typical annual payout limits?
Many plans have $5,000-10,000 annual limits. Unlimited plans cost more but cover major emergencies.