Dogs cost more than cats to insure on average. Wellness plans are cheapest starting under $20/month.
Coverage Differences
Some breeds are predisposed to medical conditions that make insurance cost more due to higher risk. Purebreds also tend to cost more.
Breed Factors
Older pets have higher monthly premiums on new policies due to increased illness risks. Enroll puppies early on for lowest rates.
Age Impacts Price
Average regional veterinary healthcare and cost of living differences alter policy rates by state. Coastal states are often most costly.
Location Variances
Max benefit allowances, reimbursement rates, and annual limits affect monthly pricing. More coverage = higher premiums.
Coverage Level Chosen
Choose a higher yearly deductible like $500 or $1,000 to reduce monthly costs if you have savings to pay expenses until reaching deductible cap.
Annual Deductibles
For one dog expect to invest around $30-60 per month. Get customized quotes from multiple providers.
Conservative Estimate