Pet Insurance Calculator
Wondering how much pet insurance costs for your dog or cat? Use this free vet cost estimator to get instant pet insurance pricing by breed, age, and coverage level — no email required.
Average monthly cost of pet insurance:
🐶 Dogs: $35–$70/mo
🐱 Cats: $20–$40/mo
🐶 Puppies: from $25/mo
🐱 Kittens: from $15/mo
Typical cost of pet insurance varies by breed, age & state
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Pet Details
Tell us about your furry family member
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Helps personalize your quote
Breed is the #1 factor in dog insurance cost by breed — high-risk breeds can cost 2–3× more
Health Information
Current health status & conditions
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Coverage Selection
Choose your coverage level and limits
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Maximum payout per policy year
What is a reimbursement rate for pet insurance? It's the % of your vet bill covered after the deductible — higher = lower out-of-pocket, higher premium
Optional Wellness Coverage
Add preventive care to your plan
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Owner Details
Location & household information
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Your Estimate Awaits
Fill out the form to see your pet insurance cost estimate — including average monthly cost by breed and coverage level, plus real claim examples for dogs and cats.
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Your Estimated Monthly Premium
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Your Coverage Details
| Base Coverage | — |
| Annual Limit | — |
| Reimbursement | — |
| Annual Deductible | — |
| Wellness Add-ons | None |
| Monthly Premium | — |
| Annual Cost | — |
Example Claims
Understanding Pet Insurance
Average pet insurance cost, coverage types, and what affects your monthly rate
Coverage Types Explained
- 🚑Accident Only – The lowest pet insurance monthly cost option. Covers injuries from accidents, foreign objects, and toxins. Avg. dog insurance cost: ~$18–25/mo. Cost of pet insurance per month at this tier is the most budget-friendly.
- 💊Accident + Illness – Most popular. Covers accidents plus infections, diseases, and chronic conditions. Average cost of pet insurance for dogs: ~$35–60/mo; cats: ~$20–40/mo.
- ⭐Comprehensive – Highest pet insurance pricing tier. Includes accidents, illness, and preventive wellness care. Best value for puppy insurance cost or kitten insurance cost enrolled early.
How Breed Affects Your Rate
- 🐶Dog health insurance cost by breed: Hip dysplasia, heart disease, bloat, and cancer drive up dog insurance cost. French Bulldogs and Great Danes cost significantly more to insure than Chihuahuas or Beagles.
- 🐱Cat health insurance cost: Kidney disease, diabetes, and hyperthyroidism are top claims. Average cost of pet insurance for cats is $20–40/mo. Cat insurance prices are generally 30–40% lower than equivalent dog plans. Cost of pet insurance for cats drops further for indoor-only pets.
- 🐶Puppy & kitten insurance: Puppy insurance cost and kitten insurance cost are lowest when enrolled young — how much is pet insurance for a kitten can be as low as $15/mo. Lock in lower rates before health conditions develop.
- 📈Breed risk is the single biggest pricing factor — high-risk breeds can run 2–3× the average monthly cost of pet insurance.
What's NOT Covered
- ✗Pre-existing conditions diagnosed before enrollment
- ✗Cosmetic procedures (ear cropping, tail docking)
- ✗Breeding and pregnancy-related costs
- ✗Elective and experimental procedures
- ✗Preventable diseases without a wellness add-on plan
Frequently Asked Questions
Answers to the most common pet insurance questions