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Pet insurance guide

How much is pet insurance? (2026 cost guide)

The averages, what makes your quote higher or lower, and how to bring the price down.

Pet insurance is more affordable than most people expect — but the "average" hides a wide range. Here's what it really costs and what drives your number.

Average monthly cost (2026)

  • Dogs: roughly $44–$56/month for accident-and-illness coverage.
  • Cats: roughly $25–$32/month — usually about half a dog's premium.
  • Accident-only plans can run a fraction of that, often $10–$20/month.

Those are industry averages; your quote can land well above or below them.

What moves your price

  • Species and size — bigger dogs cost more to treat and to insure.
  • Breed — breeds prone to expensive conditions (French Bulldogs, Great Danes, Golden Retrievers) cost more.
  • Age — premiums rise every year, which is why enrolling young is cheapest.
  • Location — vet prices and premiums track local cost of living.
  • Your plan — a lower deductible, higher reimbursement rate, and higher annual limit all raise the premium.

How to lower it

  • Choose a higher deductible you could still afford on a sudden bill.
  • Pick 80% instead of 90% reimbursement.
  • Enroll while your pet is young and healthy.
  • Ask about multi-pet and annual-pay discounts.
See your own number
The worth-it calculator estimates a premium for your pet's species, size, age, and area — and shows whether it pays off.

Try next: Estimate your premium · Cost by breed

Averages based on NAPHIA industry data; individual premiums vary widely. Not financial advice.

More pet insurance guides →

Frequently asked questions

On average, accident-and-illness coverage runs about $44–$56/month for dogs and $25–$32/month for cats in 2026, though it varies widely with breed, age, location, and the deductible, reimbursement rate, and annual limit you choose.

Larger dogs and breeds prone to costly conditions (like French Bulldogs, Great Danes, and Golden Retrievers) cost more to insure because they're more likely to need expensive treatment. Age and location also raise the price.

Choose a higher deductible and 80% reimbursement, enroll while your pet is young, and ask about multi-pet or annual-payment discounts. Accident-only coverage is also far cheaper, though it excludes illness.