Answer
How much is pet insurance?
US accident-and-illness pet insurance averaged $749 a year ($62 a month) for dogs and $386 a year ($32 a month) for cats at year-end 2024 (NAPHIA). Your price depends on breed, age, location, deductible and reimbursement.
Open the pet insurance calculator
What a policy pays back
A typical policy pays (bill − deductible) × reimbursement. On a $3,000 bill with a $250 deductible at 80%, that is about $2,200. Use the payout calculator to find your break-even.
More questions
Why is dog insurance more expensive than cat insurance?
Dogs on average have higher claim costs, and large breeds more so.
Does pet insurance cost more as pets age?
Premiums usually rise with age, and some insurers limit new policies for older pets.
How many pets are insured in the US?
About 6.4 million at year-end 2024 (NAPHIA).
What makes pet insurance cheaper?
A higher deductible, lower reimbursement or lower annual limit all cut the premium.
Is accident-only insurance cheaper?
Yes, but it does not cover illnesses.
Is pet insurance worth it?
It pays off in years with big bills; compare premiums with the break-even point.
Does pet insurance cover routine care?
Usually not; some insurers sell wellness add-ons.
Can I insure a pet with a pre-existing condition?
Usually the condition itself is excluded.
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