Find out in 2 minutes — based on your pet's breed, age, and your location.
Pet insurance costs an average of $25–$70 per month for dogs and $15–$40 per month for cats, depending on breed, age, location, and coverage level. Accident-only plans start at around $10–$20/month, while comprehensive accident-and-illness plans with wellness add-ons can reach $80–$120/month for large breeds in high-cost states. Our calculator gives you a personalized estimate based on your pet's specific profile.
Young, healthy pets in low-cost states pay the lowest premiums — a 1-year-old mixed breed cat in Texas might cost just $12–$18/month, while a 7-year-old French Bulldog in California could cost $80–$120/month due to breed-specific health risks and higher regional veterinary costs.
| Pet Profile | Monthly Cost | Annual Cost | 10-Year Total |
|---|---|---|---|
| Young dog (small breed) | $25–$40 | $300–$480 | $3,000–$4,800 |
| Young dog (large breed) | $35–$60 | $420–$720 | $4,200–$7,200 |
| Senior dog (any size) | $50–$90 | $600–$1,080 | $6,000–$10,800 |
| Young cat | $15–$25 | $180–$300 | $1,800–$3,000 |
| Senior cat | $25–$45 | $300–$540 | $3,000–$5,400 |
| Bulldog/Frenchie (any age) | $60–$120 | $720–$1,440 | $7,200–$14,400 |
Pet insurance is most worth it for pets that are young, breed-predisposed to health issues, or living in high-cost areas. A single major event — like ACL surgery ($3,000–$5,000), bloat surgery ($1,500–$7,500), or cancer treatment ($5,000–$15,000) — can exceed 5–10 years of premium payments. For low-risk pets in low-cost areas, self-insuring with a dedicated savings fund ($30–$50/month) may be more cost-effective.