CostByBreedBelow are the national average premiums for 216 dog and cat breeds. Every breed carries the same published benchmark for its species, because no source publishes a premium for any single breed.
The figures are national averages
Every premium in the table is a national average from the North American Pet Health Insurance Association, State of the Industry Report, 2026 edition, reporting 2025 data. The averages are published by species and coverage type only. For a dog, the accident and illness average premium is $836 a year and the accident only average premium is $190 a year. For a cat, the accident and illness average premium is $435 a year and the accident only average premium is $112 a year.
No premium for any single breed is published, and no breed level premium dataset exists in a form anyone may republish. The same national benchmark therefore appears on every breed row. Read it as the baseline a real quote gets measured against, not as a price for your pet. No insurer specific rate appears anywhere in the table.
| Breed | Species | Size class or typical weight | Accident and illness premium, national average | Accident only premium, national average | Monthly figure, annual average divided by 12 | Conditions documented for the breed |
|---|---|---|---|---|---|---|
| Affenpinscher | Dog | Small | $836 a year | $190 a year | $69.67 a month | |
| Airedale Terrier | Dog | Large | $836 a year | $190 a year | $69.67 a month | |
| Akita | Dog | Giant | $836 a year | $190 a year | $69.67 a month | |
| Alaskan Malamute | Dog | Large | $836 a year | $190 a year | $69.67 a month | |
| American Staffordshire Terrier | Dog | Medium | $836 a year | $190 a year | $69.67 a month | |
| Anatolian Shepherd Dog | Dog | Giant | $836 a year | $190 a year | $69.67 a month | |
| Australian Cattle Dog | Dog | Medium | $836 a year | $190 a year | $69.67 a month | |
| Australian Shepherd | Dog | Large | $836 a year | $190 a year | $69.67 a month | Documented conditions: hip dysplasia, elbow dysplasia. |
| Australian Terrier | Dog | Small | $836 a year | $190 a year | $69.67 a month | |
| Basenji | Dog | Medium | $836 a year | $190 a year | $69.67 a month | |
| Basset Hound | Dog | Medium | $836 a year | $190 a year | $69.67 a month | |
| Beagle | Dog | Medium | $836 a year | $190 a year | $69.67 a month | Documented conditions: ear infections, Hypothyroidism. |
| Belgian Malinois | Dog | Large | $836 a year | $190 a year | $69.67 a month | |
| Belgian Tervuren | Dog | Large | $836 a year | $190 a year | $69.67 a month | |
| Bergamasco Sheepdog | Dog | Large | $836 a year | $190 a year | $69.67 a month | |
| Berger Picard | Dog | Large | $836 a year | $190 a year | $69.67 a month | |
| Bernese Mountain Dog | Dog | Giant | $836 a year | $190 a year | $69.67 a month | Documented conditions: Cancer, hip dysplasia. |
| Bichon Frise | Dog | Small | $836 a year | $190 a year | $69.67 a month | |
| Black Russian Terrier | Dog | Giant | $836 a year | $190 a year | $69.67 a month | |
| Black and Tan Coonhound | Dog | Large | $836 a year | $190 a year | $69.67 a month | |
| Bloodhound | Dog | Large | $836 a year | $190 a year | $69.67 a month | |
| Bluetick Coonhound | Dog | Large | $836 a year | $190 a year | $69.67 a month | |
| Boerboel | Dog | Giant | $836 a year | $190 a year | $69.67 a month | |
| Bolognese | Dog | Small | $836 a year | $190 a year | $69.67 a month | |
| Border Collie | Dog | Large | $836 a year | $190 a year | $69.67 a month | Documented conditions: hip dysplasia, collie eye anomaly. |
| Borzoi | Dog | Large | $836 a year | $190 a year | $69.67 a month | |
| Boston Terrier | Dog | Medium | $836 a year | $190 a year | $69.67 a month | Documented conditions: BOAS (brachycephalic obstructive airway syndrome), patellar luxation. |
| Bouvier des Flandres | Dog | Large | $836 a year | $190 a year | $69.67 a month | |
| Boxer | Dog | Large | $836 a year | $190 a year | $69.67 a month | Documented conditions: Cancer, dilated cardiomyopathy. |
| Boykin Spaniel | Dog | Medium | $836 a year | $190 a year | $69.67 a month | |
| Briard | Dog | Large | $836 a year | $190 a year | $69.67 a month | |
| Brittany | Dog | Medium | $836 a year | $190 a year | $69.67 a month | |
| Brussels Griffon | Dog | Small | $836 a year | $190 a year | $69.67 a month | |
| Bull Terrier | Dog | Medium | $836 a year | $190 a year | $69.67 a month | |
| Bulldog | Dog | Medium | $836 a year | $190 a year | $69.67 a month | Documented conditions: BOAS (brachycephalic obstructive airway syndrome), Allergies. |
| Bullmastiff | Dog | Giant | $836 a year | $190 a year | $69.67 a month | |
| Cairn Terrier | Dog | Small | $836 a year | $190 a year | $69.67 a month | |
| Canaan Dog | Dog | Medium | $836 a year | $190 a year | $69.67 a month | |
| Cane Corso | Dog | Giant | $836 a year | $190 a year | $69.67 a month | Documented conditions: hip dysplasia, elbow dysplasia. |
| Cardigan Welsh Corgi | Dog | Medium | $836 a year | $190 a year | $69.67 a month | |
| Catahoula Leopard Dog | Dog | Large | $836 a year | $190 a year | $69.67 a month | |
| Cavalier King Charles Spaniel | Dog | Small | $836 a year | $190 a year | $69.67 a month | Documented conditions: heart murmur mitral valve disease, Syringomyelia. |
| Cesky Terrier | Dog | Small | $836 a year | $190 a year | $69.67 a month | |
| Chesapeake Bay Retriever | Dog | Large | $836 a year | $190 a year | $69.67 a month | |
| Chihuahua | Dog | Small | $836 a year | $190 a year | $69.67 a month | Documented conditions: patellar luxation, dental disease. |
| Chinese Crested | Dog | Small | $836 a year | $190 a year | $69.67 a month | |
| Chinese Shar-Pei | Dog | Medium | $836 a year | $190 a year | $69.67 a month | |
| Chow Chow | Dog | Large | $836 a year | $190 a year | $69.67 a month | |
| Clumber Spaniel | Dog | Large | $836 a year | $190 a year | $69.67 a month | |
| Cocker Spaniel | Dog | Medium | $836 a year | $190 a year | $69.67 a month | |
| Collie | Dog | Large | $836 a year | $190 a year | $69.67 a month | |
| Coton de Tulear | Dog | Small | $836 a year | $190 a year | $69.67 a month | |
| Curly-Coated Retriever | Dog | Large | $836 a year | $190 a year | $69.67 a month | |
| Dachshund | Dog | Medium | $836 a year | $190 a year | $69.67 a month | Documented conditions: Ivdd, patellar luxation. |
| Dalmatian | Dog | Large | $836 a year | $190 a year | $69.67 a month | |
| Dandie Dinmont Terrier | Dog | Small | $836 a year | $190 a year | $69.67 a month | |
| Doberman Pinscher | Dog | Giant | $836 a year | $190 a year | $69.67 a month | Documented conditions: dilated cardiomyopathy, von willebrand disease. |
| Dogue de Bordeaux | Dog | Giant | $836 a year | $190 a year | $69.67 a month | |
| English Foxhound | Dog | Large | $836 a year | $190 a year | $69.67 a month | |
| English Setter | Dog | Large | $836 a year | $190 a year | $69.67 a month | |
| English Springer Spaniel | Dog | Medium | $836 a year | $190 a year | $69.67 a month | Documented conditions: ear infections, hip dysplasia. |
| English Toy Spaniel | Dog | Small | $836 a year | $190 a year | $69.67 a month | |
| Field Spaniel | Dog | Medium | $836 a year | $190 a year | $69.67 a month | |
| Finnish Spitz | Dog | Medium | $836 a year | $190 a year | $69.67 a month | |
| Flat-Coated Retriever | Dog | Large | $836 a year | $190 a year | $69.67 a month | |
| French Bulldog | Dog | Medium | $836 a year | $190 a year | $69.67 a month | Documented conditions: BOAS (brachycephalic obstructive airway syndrome), Allergies. |
| French Spaniel | Dog | Medium | $836 a year | $190 a year | $69.67 a month | |
| German Shepherd Dog | Dog | Large | $836 a year | $190 a year | $69.67 a month | Documented conditions: hip dysplasia, elbow dysplasia. |
| German Shorthaired Pointer | Dog | Large | $836 a year | $190 a year | $69.67 a month | Documented conditions: hip dysplasia, elbow dysplasia. |
| German Wirehaired Pointer | Dog | Large | $836 a year | $190 a year | $69.67 a month | |
| Giant Schnauzer | Dog | Large | $836 a year | $190 a year | $69.67 a month | |
| Glen of Imaal Terrier | Dog | Medium | $836 a year | $190 a year | $69.67 a month | |
| Golden Retriever | Dog | Large | $836 a year | $190 a year | $69.67 a month | Documented conditions: Cancer, hip dysplasia. |
| Gordon Setter | Dog | Large | $836 a year | $190 a year | $69.67 a month | |
| Grand Basset Griffon Vendéen | Dog | Medium | $836 a year | $190 a year | $69.67 a month | |
| Great Dane | Dog | Giant | $836 a year | $190 a year | $69.67 a month | Documented conditions: Bloat, dilated cardiomyopathy. |
| Great Pyrenees | Dog | Giant | $836 a year | $190 a year | $69.67 a month | |
| Greater Swiss Mountain Dog | Dog | Giant | $836 a year | $190 a year | $69.67 a month | |
| Greyhound | Dog | Large | $836 a year | $190 a year | $69.67 a month | |
| Harrier | Dog | Medium | $836 a year | $190 a year | $69.67 a month | |
| Havanese | Dog | Small | $836 a year | $190 a year | $69.67 a month | Documented conditions: patellar luxation, hip dysplasia. |
| Ibizan Hound | Dog | Large | $836 a year | $190 a year | $69.67 a month | |
| Icelandic Sheepdog | Dog | Medium | $836 a year | $190 a year | $69.67 a month | |
| Irish Setter | Dog | Large | $836 a year | $190 a year | $69.67 a month | |
| Irish Terrier | Dog | Medium | $836 a year | $190 a year | $69.67 a month | |
| Irish Water Spaniel | Dog | Large | $836 a year | $190 a year | $69.67 a month | |
| Irish Wolfhound | Dog | Giant | $836 a year | $190 a year | $69.67 a month | |
| Italian Greyhound | Dog | Small | $836 a year | $190 a year | $69.67 a month | |
| Japanese Chin | Dog | Small | $836 a year | $190 a year | $69.67 a month | |
| Keeshond | Dog | Medium | $836 a year | $190 a year | $69.67 a month | |
| Kerry Blue Terrier | Dog | Medium | $836 a year | $190 a year | $69.67 a month | |
| Komondor | Dog | Giant | $836 a year | $190 a year | $69.67 a month | |
| Kuvasz | Dog | Giant | $836 a year | $190 a year | $69.67 a month | |
| Labrador Retriever | Dog | Large | $836 a year | $190 a year | $69.67 a month | Documented conditions: hip dysplasia, elbow dysplasia. |
| Lagotto Romagnolo | Dog | Medium | $836 a year | $190 a year | $69.67 a month | |
| Lakeland Terrier | Dog | Small | $836 a year | $190 a year | $69.67 a month | |
| Leonberger | Dog | Giant | $836 a year | $190 a year | $69.67 a month | |
| Lhasa Apso | Dog | Small | $836 a year | $190 a year | $69.67 a month | |
| Löwchen | Dog | Small | $836 a year | $190 a year | $69.67 a month | |
| Maltese | Dog | Small | $836 a year | $190 a year | $69.67 a month | |
| Manchester Terrier | Dog | Small | $836 a year | $190 a year | $69.67 a month | |
| Mastiff | Dog | Giant | $836 a year | $190 a year | $69.67 a month | |
| Miniature American Shepherd | Dog | Medium | $836 a year | $190 a year | $69.67 a month | Documented conditions: hip dysplasia, progressive retinal atrophy. |
| Miniature Bull Terrier | Dog | Medium | $836 a year | $190 a year | $69.67 a month | |
| Miniature Pinscher | Dog | Small | $836 a year | $190 a year | $69.67 a month | |
| Miniature Schnauzer | Dog | Small | $836 a year | $190 a year | $69.67 a month | Documented conditions: patellar luxation, dental disease. |
| Neapolitan Mastiff | Dog | Giant | $836 a year | $190 a year | $69.67 a month | |
| Newfoundland | Dog | Giant | $836 a year | $190 a year | $69.67 a month | |
| Norfolk Terrier | Dog | Small | $836 a year | $190 a year | $69.67 a month | |
| Norwegian Elkhound | Dog | Medium | $836 a year | $190 a year | $69.67 a month | |
| Norwich Terrier | Dog | Small | $836 a year | $190 a year | $69.67 a month | |
| Old English Sheepdog | Dog | Large | $836 a year | $190 a year | $69.67 a month | |
| Otterhound | Dog | Large | $836 a year | $190 a year | $69.67 a month | |
| Papillon | Dog | Small | $836 a year | $190 a year | $69.67 a month | |
| Parson Russell Terrier | Dog | Small | $836 a year | $190 a year | $69.67 a month | |
| Pekingese | Dog | Small | $836 a year | $190 a year | $69.67 a month | |
| Pembroke Welsh Corgi | Dog | Medium | $836 a year | $190 a year | $69.67 a month | Documented conditions: Ivdd, hip dysplasia. |
| Petit Basset Griffon Vendéen | Dog | Medium | $836 a year | $190 a year | $69.67 a month | |
| Pharaoh Hound | Dog | Large | $836 a year | $190 a year | $69.67 a month | |
| Plott Hound | Dog | Large | $836 a year | $190 a year | $69.67 a month | |
| Pointer | Dog | Large | $836 a year | $190 a year | $69.67 a month | |
| Polish Lowland Sheepdog | Dog | Medium | $836 a year | $190 a year | $69.67 a month | |
| Pomeranian | Dog | Small | $836 a year | $190 a year | $69.67 a month | Documented conditions: patellar luxation, tracheal collapse. |
| Poodle | Dog | Large | $836 a year | $190 a year | $69.67 a month | Documented conditions: Bloat, hip dysplasia. |
| Portuguese Podengo Pequeno | Dog | Small | $836 a year | $190 a year | $69.67 a month | |
| Portuguese Water Dog | Dog | Medium | $836 a year | $190 a year | $69.67 a month | |
| Pug | Dog | Small | $836 a year | $190 a year | $69.67 a month | |
| Puli | Dog | Medium | $836 a year | $190 a year | $69.67 a month | |
| Pyrenean Shepherd | Dog | Medium | $836 a year | $190 a year | $69.67 a month | |
| Rat Terrier | Dog | Small | $836 a year | $190 a year | $69.67 a month | |
| Redbone Coonhound | Dog | Large | $836 a year | $190 a year | $69.67 a month | |
| Rhodesian Ridgeback | Dog | Large | $836 a year | $190 a year | $69.67 a month | |
| Rottweiler | Dog | Giant | $836 a year | $190 a year | $69.67 a month | Documented conditions: Cancer, cruciate ligament tears. |
| Russell Terrier | Dog | Small | $836 a year | $190 a year | $69.67 a month | |
| Russian Toy | Dog | Small | $836 a year | $190 a year | $69.67 a month | |
| Saint Bernard | Dog | Giant | $836 a year | $190 a year | $69.67 a month | |
| Saluki | Dog | Large | $836 a year | $190 a year | $69.67 a month | |
| Samoyed | Dog | Large | $836 a year | $190 a year | $69.67 a month | |
| Schipperke | Dog | Small | $836 a year | $190 a year | $69.67 a month | |
| Scottish Deerhound | Dog | Giant | $836 a year | $190 a year | $69.67 a month | |
| Scottish Terrier | Dog | Small | $836 a year | $190 a year | $69.67 a month | |
| Sealyham Terrier | Dog | Small | $836 a year | $190 a year | $69.67 a month | |
| Shetland Sheepdog | Dog | Medium | $836 a year | $190 a year | $69.67 a month | Documented conditions: hip dysplasia, collie eye anomaly. |
| Shiba Inu | Dog | Medium | $836 a year | $190 a year | $69.67 a month | |
| Shih Tzu | Dog | Small | $836 a year | $190 a year | $69.67 a month | Documented conditions: BOAS (brachycephalic obstructive airway syndrome), dental disease. |
| Siberian Husky | Dog | Large | $836 a year | $190 a year | $69.67 a month | Documented conditions: hip dysplasia, Glaucoma. |
| Silky Terrier | Dog | Small | $836 a year | $190 a year | $69.67 a month | |
| Skye Terrier | Dog | Small | $836 a year | $190 a year | $69.67 a month | |
| Sloughi | Dog | Large | $836 a year | $190 a year | $69.67 a month | |
| Soft Coated Wheaten Terrier | Dog | Medium | $836 a year | $190 a year | $69.67 a month | |
| Spinone Italiano | Dog | Large | $836 a year | $190 a year | $69.67 a month | |
| Staffordshire Bull Terrier | Dog | Medium | $836 a year | $190 a year | $69.67 a month | |
| Standard Schnauzer | Dog | Medium | $836 a year | $190 a year | $69.67 a month | |
| Sussex Spaniel | Dog | Medium | $836 a year | $190 a year | $69.67 a month | |
| Swedish Vallhund | Dog | Medium | $836 a year | $190 a year | $69.67 a month | |
| Tibetan Mastiff | Dog | Giant | $836 a year | $190 a year | $69.67 a month | |
| Tibetan Spaniel | Dog | Small | $836 a year | $190 a year | $69.67 a month | |
| Tibetan Terrier | Dog | Medium | $836 a year | $190 a year | $69.67 a month | |
| Toy Fox Terrier | Dog | Small | $836 a year | $190 a year | $69.67 a month | |
| Treeing Walker Coonhound | Dog | Large | $836 a year | $190 a year | $69.67 a month | |
| Vizsla | Dog | Medium | $836 a year | $190 a year | $69.67 a month | |
| Weimaraner | Dog | Large | $836 a year | $190 a year | $69.67 a month | |
| Welsh Springer Spaniel | Dog | Medium | $836 a year | $190 a year | $69.67 a month | |
| Welsh Terrier | Dog | Small | $836 a year | $190 a year | $69.67 a month | |
| West Highland White Terrier | Dog | Small | $836 a year | $190 a year | $69.67 a month | |
| Whippet | Dog | Medium | $836 a year | $190 a year | $69.67 a month | |
| Wire Fox Terrier | Dog | Small | $836 a year | $190 a year | $69.67 a month | |
| Wirehaired Pointing Griffon | Dog | Medium | $836 a year | $190 a year | $69.67 a month | |
| Wirehaired Vizsla | Dog | Medium | $836 a year | $190 a year | $69.67 a month | |
| Xoloitzcuintli | Dog | Medium | $836 a year | $190 a year | $69.67 a month | |
| Yorkshire Terrier | Dog | Small | $836 a year | $190 a year | $69.67 a month | Documented conditions: patellar luxation, dental disease. |
| Abyssinian | Cat | 6 to 10 lb typical | $435 a year | $112 a year | $36.25 a month | |
| American Bobtail | Cat | 7 to 16 lb typical | $435 a year | $112 a year | $36.25 a month | |
| American Curl | Cat | 5 to 10 lb typical | $435 a year | $112 a year | $36.25 a month | |
| American Shorthair | Cat | 8 to 15 lb typical | $435 a year | $112 a year | $36.25 a month | |
| American Wirehair | Cat | 8 to 15 lb typical | $435 a year | $112 a year | $36.25 a month | |
| Balinese | Cat | 5 to 10 lb typical | $435 a year | $112 a year | $36.25 a month | |
| Bengal | Cat | 8 to 15 lb typical | $435 a year | $112 a year | $36.25 a month | Documented conditions: Hypertrophic cardiomyopathy, Progressive retinal atrophy. |
| Birman | Cat | 6 to 12 lb typical | $435 a year | $112 a year | $36.25 a month | |
| Bombay | Cat | 6 to 11 lb typical | $435 a year | $112 a year | $36.25 a month | |
| British Shorthair | Cat | 7 to 17 lb typical | $435 a year | $112 a year | $36.25 a month | Documented conditions: Hypertrophic cardiomyopathy, Polycystic kidney disease. |
| Burmese | Cat | 6 to 12 lb typical | $435 a year | $112 a year | $36.25 a month | |
| Burmilla | Cat | 6 to 12 lb typical | $435 a year | $112 a year | $36.25 a month | |
| Chartreux | Cat | 7 to 16 lb typical | $435 a year | $112 a year | $36.25 a month | |
| Colorpoint Shorthair | Cat | 5 to 10 lb typical | $435 a year | $112 a year | $36.25 a month | |
| Cornish Rex | Cat | 5 to 10 lb typical | $435 a year | $112 a year | $36.25 a month | |
| Devon Rex | Cat | 5 to 10 lb typical | $435 a year | $112 a year | $36.25 a month | |
| Egyptian Mau | Cat | 6 to 14 lb typical | $435 a year | $112 a year | $36.25 a month | |
| European Burmese | Cat | 6 to 12 lb typical | $435 a year | $112 a year | $36.25 a month | |
| Exotic Shorthair | Cat | 7 to 14 lb typical | $435 a year | $112 a year | $36.25 a month | |
| Havana Brown | Cat | 6 to 10 lb typical | $435 a year | $112 a year | $36.25 a month | |
| Japanese Bobtail | Cat | 5 to 10 lb typical | $435 a year | $112 a year | $36.25 a month | |
| Khao Manee | Cat | 6 to 12 lb typical | $435 a year | $112 a year | $36.25 a month | |
| Korat | Cat | 6 to 11 lb typical | $435 a year | $112 a year | $36.25 a month | |
| LaPerm | Cat | 5 to 10 lb typical | $435 a year | $112 a year | $36.25 a month | |
| Lykoi | Cat | 6 to 12 lb typical | $435 a year | $112 a year | $36.25 a month | |
| Maine Coon | Cat | 9 to 15 lb typical | $435 a year | $112 a year | $36.25 a month | Documented conditions: Hypertrophic cardiomyopathy, Hip dysplasia. |
| Manx | Cat | 7 to 13 lb typical | $435 a year | $112 a year | $36.25 a month | |
| Norwegian Forest Cat | Cat | 8 to 16 lb typical | $435 a year | $112 a year | $36.25 a month | |
| Ocicat | Cat | 6 to 15 lb typical | $435 a year | $112 a year | $36.25 a month | |
| Oriental Shorthair | Cat | 5 to 10 lb typical | $435 a year | $112 a year | $36.25 a month | |
| Persian | Cat | 7 to 12 lb typical | $435 a year | $112 a year | $36.25 a month | Documented conditions: Polycystic kidney disease, Dental disease. |
| Pixiebob | Cat | 8 to 17 lb typical | $435 a year | $112 a year | $36.25 a month | |
| RagaMuffin | Cat | 8 to 20 lb typical | $435 a year | $112 a year | $36.25 a month | |
| Ragdoll | Cat | 10 to 20 lb typical | $435 a year | $112 a year | $36.25 a month | Documented conditions: Hypertrophic cardiomyopathy, Polycystic kidney disease. |
| Russian Blue | Cat | 7 to 12 lb typical | $435 a year | $112 a year | $36.25 a month | |
| Scottish Fold | Cat | 6 to 13 lb typical | $435 a year | $112 a year | $36.25 a month | Documented conditions: Osteochondrodysplasia, Dental disease. |
| Selkirk Rex | Cat | 6 to 16 lb typical | $435 a year | $112 a year | $36.25 a month | |
| Siamese | Cat | 6 to 14 lb typical | $435 a year | $112 a year | $36.25 a month | Documented conditions: Asthma, Dental disease. |
| Siberian | Cat | 8 to 17 lb typical | $435 a year | $112 a year | $36.25 a month | |
| Singapura | Cat | 4 to 8 lb typical | $435 a year | $112 a year | $36.25 a month | |
| Somali | Cat | 6 to 12 lb typical | $435 a year | $112 a year | $36.25 a month | |
| Sphynx | Cat | 6 to 12 lb typical | $435 a year | $112 a year | $36.25 a month | Documented conditions: Hypertrophic cardiomyopathy, Allergies and skin disease. |
| Tonkinese | Cat | 6 to 12 lb typical | $435 a year | $112 a year | $36.25 a month | |
| Turkish Angora | Cat | 5 to 10 lb typical | $435 a year | $112 a year | $36.25 a month | |
| Turkish Van | Cat | 7 to 20 lb typical | $435 a year | $112 a year | $36.25 a month |
Monthly figures are the annual average divided by 12, shown so the division is visible. Breeds with a page on this site are linked, and the conditions column repeats the conditions documented on the breed page.
How a real quote moves away from the average
Premiums vary by state and ZIP code. The national source publishes no state specific premium, so no state figure is printed for any breed, and your actual quote will differ from the national average baseline. The state index prints what the law in each state requires of a policy.
One rules change is already on the calendar. The New Jersey Pet Insurance Act takes effect on January 1, 2027, and sets waiting period caps and a free look period in that state. It changes rules, not published premiums, and no New Jersey premium figure appears in the table.
How the averages are built
Each baseline is the published national average premium for the species. It reflects the mixed age book of business behind the national average, not a quote for any individual pet. No breed specific loading is applied, because the source publishes no breed level premiums. Plan terms such as the deductible, the reimbursement share, and the annual limit follow the average policy mix in the national data and are not set breed by breed.