The dog insurance picture on one page: the national average premiums, every breed we cover, the conditions that drive dog claims, and a claim worked in full.

The national averages

CoverageAverage premium for a dog
Accident only$190 a year
Accident and illness$836 a year
Accident and illness with wellness built in$1,414 a year

Averages across every breed and age in the country, from the North American Pet Health Insurance Association, State of the Industry Report, 2026 edition, reporting 2025 data. Monthly, that headline average is $69.67.

Dog breeds A to Z in popularity order

French BulldogLabrador RetrieverGolden RetrieverGerman Shepherd DogDachshundPoodleBeagleRottweilerGerman Shorthaired PointerBulldogCane CorsoCavalier King Charles SpanielYorkshire TerrierAustralian ShepherdDoberman PinscherPembroke Welsh CorgiMiniature SchnauzerBoxerPomeranianBernese Mountain DogShih TzuGreat DaneBoston TerrierChihuahuaHavaneseBorder CollieEnglish Springer SpanielMiniature American ShepherdShetland SheepdogSiberian Husky

The type page: Pit Bull Type Dogs.

Conditions dogs claim for

Pre-existing conditionsDental diseaseAllergiesHip dysplasiaIntervertebral disc disease (IVDD)Cruciate ligament tearsCancerEar infectionsBloat (gastric dilatation and volvulus)Patellar luxationElbow dysplasiaBrachycephalic obstructive airway syndrome (BOAS)

A claim, worked in full

A worked example

  1. The bill for treating cruciate ligament tears comes to $5,500.
  2. The yearly deductible takes off $500, leaving $5,000.
  3. The policy reimburses 80 percent of $5,000, which is $4,000.00.

The policy pays $4,000.00 and you pay $1,500.00.

Example terms only: a $500 yearly deductible and 80 percent reimbursement, with the deductible not yet met this year. Your own policy terms decide a real claim.

The bill is the middle of the published range for cruciate ligament tears, $4,000 to $7,000. Source: CareCredit and Synchrony, Average Procedural Cost Study, 2023 to 2024.

For the other half of the household, see the cat insurance hub.