Pet Premium Estimator
16 rating factors — the same variables carriers use. See your estimated rate in seconds.
People Also Ask
Is pet insurance worth it?
Yes, if you can't afford a $5,000-10,000 emergency vet bill out-of-pocket. A single emergency visit for a dog (hit by car, toxin ingestion, broken bone) averages $1,500-5,000. Cancer treatment can exceed $10,000. Pet insurance lets you make medical decisions based on what's best for your pet, not what you can afford.
How much does pet insurance cost per month?
The national average is about $53/month for dogs ($640/yr) and $33/month for cats ($400/yr). Your actual cost depends on your pet's age, breed, species, coverage level, deductible, reimbursement rate, and annual limit. Accident-only policies are the cheapest at about $15-25/month.
When should I get pet insurance?
The best time is when your pet is young and healthy — ideally before their first birthday. Pet insurance doesn't cover pre-existing conditions, so getting coverage early ensures that conditions developing later in life are covered. Premiums are also lowest for young pets and increase as they age.