CostByBreedThe honest answer is an average with its source attached, because no insurer publishes a price list and every quote is individual. Here are the national averages, and the tools to work out what they mean for your own pet.
| Pet | Coverage | Average premium | As a monthly figure |
|---|---|---|---|
| Dog | Accident only | $190 a year | $15.83 a month |
| Dog | Accident and illness | $836 a year | $69.67 a month |
| Dog | With wellness built in | $1,414 a year | $117.83 a month |
| Cat | Accident only | $112 a year | $9.33 a month |
| Cat | Accident and illness | $435 a year | $36.25 a month |
| Cat | With wellness built in | $859 a year | $71.58 a month |
Averages from the North American Pet Health Insurance Association, State of the Industry Report, 2026 edition, reporting 2025 data. Monthly figures are the annual figure divided by 12, shown so the division is visible.
Take it to your pet
The estimator combines this average with your breed's conditions the breed is prone to, your state's rules, and a claim worked on a bill you enter.
Or start from the breed
French BulldogLabrador RetrieverGolden RetrieverGerman Shepherd DogDachshundPoodleBeagleRottweilerGerman Shorthaired PointerBulldog
State rules move prices less than they move claims, but they decide what an insurer may do. The state index sorts all 51 by what their law requires.