Pet insurance can save you thousands when your dog or cat faces an unexpected illness or accident. Here are the real 2026 prices, broken down by pet type, age, and plan, plus exactly what drives the number up or down.
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Average Pet Insurance Costs at a Glance
On average, pet insurance in the U.S. costs:
| Plan type | Dogs | Cats |
|---|---|---|
| Accident & illness | $40–$70 / mo | $20–$40 / mo |
| Accident-only | $10–$20 / mo | $8–$15 / mo |
| Wellness add-on | +$10–$25 / mo | +$10–$20 / mo |
Your actual premium can be higher or lower depending on the factors below.
What Determines Your Price
Species and breed
Dogs cost more to insure than cats because they tend to have more accidents and breed-specific health conditions. Larger breeds and purebreds like Bulldogs, German Shepherds or Great Danes generally cost more than mixed breeds.
Your pet’s age
The younger your pet when you enroll, the cheaper your premium — and the more conditions will be covered before they are labeled “pre-existing.” Insuring a senior pet can cost two to three times more.
Where you live
Vet costs vary by state and city. Insurance in expensive metro areas runs noticeably higher than in rural areas.
Your plan settings
You choose your deductible, your reimbursement rate (70%, 80% or 90%), and your annual limit. Higher reimbursement and higher limits mean a higher monthly premium.
Pet Insurance Cost by Age
| Pet age | Dog (avg/mo) | Cat (avg/mo) |
|---|---|---|
| Under 1 year | $30–$40 | $15–$22 |
| 2–4 years | $40–$55 | $22–$30 |
| 5–8 years | $55–$80 | $30–$45 |
| 9+ years | $90–$135 | $50–$80 |
Is It Worth the Cost?
For most owners, yes. A single emergency surgery can cost $3,000–$7,000 out of pocket. A surveyed majority of policyholders say pet insurance is worth what they pay — especially when a big vet bill hits. If you could not comfortably cover a $5,000 emergency tomorrow, insurance is usually worth it.
How to Lower Your Premium
- Enroll early — young, healthy pets get the lowest rates.
- Raise your deductible — a higher deductible lowers the monthly cost.
- Pick 70–80% reimbursement instead of 90% if money is tight.
- Skip the wellness add-on if you can pay routine care out of pocket.
- Compare at least 3 providers — prices for the same pet vary widely.
See your estimate in 30 seconds
Use our free calculator to get a ballpark price for your pet — no sign-up, no email, no spam.
Frequently Asked Questions
Does pet insurance cover pre-existing conditions?
No. Almost no provider covers conditions your pet showed signs of before the policy started. This is the top reason to enroll while your pet is young and healthy.
Is there a waiting period before coverage starts?
Yes — typically 2–14 days for illnesses and accidents, and up to 6–12 months for certain conditions. Coverage doesn’t begin the moment you sign up.
Can I use any vet?
With most pet insurance, yes. Unlike human health insurance, there’s usually no network — you pay your vet and get reimbursed.
Does the price go up every year?
Usually yes, as your pet ages and vet costs rise. This is normal across the industry.
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