Compare Pet Insurance Plans For Cats & Dogs In 2024!

Compare affordable pet insurance plans online and apply for coverage, for your dog or cat, all without an agent.

  • Accident-only insurance plans for cats and dogs
  • Coverage Amounts: $5,000, Unlimited coverage
  • Deductible Options: $50, $100, $200, $250, $500, $1000
  • Reimbursement Options: 70%, 80%, or 90%
  • Affordable Rates For Multiple Pets

Expert Written

Sa El founder of Simply Insurance

By Licensed Agent Sa El

Updated 18 Mar 2024

When you own a pet, it's important to have the right kind of insurance to provide peace of mind. Pet insurance is an effective way to protect your furry friend and make sure their medical costs are covered in case of illness or injury.

In this article, we'll compare the top pet insurance companies for cats and dogs in 2023 so you can find the best plan that fits your budget and meets your pet's needs.

How Much Is Pet Insurance A Month?

On average, pet insurance costs between $30 to $75/month for dogs and $20 to $50/month for cats. I must say this is pretty accurate because I pay around $52 per month for insurance for my mini schnauzers Max and Jax.  However, keep in mind that your specific pet insurance rates will depend on several factors, including the type and age of your pet, coverage limits, annual deductible, and co-payments.  

Average Cost Of Pet Insurance for Cats

$30 per month is the average cost of pet insurance for cats which is around $360 per year for unlimited annual coverage. However, the cost of pet insurance for cats can vary depending on factors like age and breed. Older cats tend to have higher premiums while purebred cats typically require more coverage due to their genetic predisposition to certain health issues.

Average Cost of Pet Insurance for Dogs

Pet insurance coverage for a dog costs around $56 per month or just around $672 per year. Now, if you're wondering why dogs pay more per month in monthly premiums it has everything to do with overall health and life expectancy.

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How Are Pet Insurance Costs Determined?

Some pets have higher premiums due to their breed, age, and risk for certain illnesses or injuries. Pets with a higher likelihood of needing medical care will typically cost more in insurance costs than those that are generally healthy.

Age of Pets: Your pet's age is a crucial factor affecting the cost. As your pet gets older, they may develop health issues, much like us humans. Pet insurers take this into account. So, if your furry companion is getting on in years, you may notice premiums creeping up.

Number of Pets: Naturally, the more pets you choose to insure, the higher the cost of the insurance policy is likely to be.

Breed Factors: Most people find it surprising to learn the breed of your pet can impact your insurance costs. Certain breeds have specific health issues that may require extra medical care. For instance, the Bulldog Club of America states that Bulldogs are prone to certain health conditions like hip dysplasia. This is a case where you may find yourself shelling out a bit more each month.

Location: High cost of living areas, like New York City, can increase your pet insurance monthly premium. Why, you ask? Veterinary exam fees are typically higher in these areas, and pet insurance prices are adjusted accordingly. Talk about a concrete jungle!

Deductible: Similar to traditional health insurance, the deductible you choose through your pet health insurance provider can affect the cost. Opting for a lower deductible will result in a higher premium, while a higher deductible can lower your premium but increase your out-of-pocket expenses for each claim.

Reimbursement Percentage: Most pet insurance companies offer reimbursement options of 70%, 80%, or 90%. The reimbursement percentage determines the portion of the remaining vet exam fees you receive after meeting your deductible. A higher reimbursement percentage correlates with a higher cost for your policy.

So, in the grand scheme of things, pet insurance can cost about as much as that fancy coffee you grab every week. When you think about the potential vet bills, it's a small price to pay for such an important member of the family and having coverage is crucial.

How Much Is Pet Insurance For Cats & Dogs By State?

The current national average cost of a pet insurance policy is between $600 to $1,200 per year. But, keep in mind that pet Insurance premiums will vary by your pets age, benefits, type of pet, and insurer selected. Check out our average cost of pet Insurance rates by state below:

STATE

MONTHLY PREMIUM (CATS)

MONTHLY PREMIUM (DOGS)

STATE

MONTHLY PREMIUM (CATS)

MONTHLY PREMIUM (DOGS)

$26

$43

$23

$39

$28

$47

$23

$38

$32

$53

$26

$43

$28

$41

$28

$46

$32

$61

$26

$49

$29

$48

$25

$40

$32

$53

$30

$61

$28

$46

$24

$40

$28

$50

$23

$40

$22

$40

$25

$40

$22

$36

$22

$36

$28

$46

$28

$46

$26

$42

$27

$43

$27

$44

$26

$42

$22

$37

$25

$38

$23

$37

$24

$39

$25

$41

$24

$41

$24

$41

$21

$42

$21

$35

$24

$40

$24

$41

$23

$38

$30

$50

$27

$45

$28

$48

$26

$44

$22

$37

$22

$37

$23

$47

$26

$42

$19

$34

$19

$34

$20

$39



Cell

How Much Is Pet Insurance For Multiple Pets?

Company

Type Of Pet

Monthly Cost For Two Pets

Annual Cost For Two Pets With

Multi-Pet Discount 

Multi-Pet Cost w/ Discount

Pets Best

Dog

$100

$1,200

5%

$95

Cat

$53

$636

5%

$50

ASPCA

Dog

$112

$1,344

10%

$101


Cat

$59

$708

10%

$53

Embrace

Dog

$116

$1,392

10%

$104


Cat

$61

$738

10%

$55

Spot

Dog

$118

$1,416

10%

$106


Cat

$63

$750

10%

$56

Healthy Paws

Dog

$112

$1,344

None

$1,344

Cat

$60

$720

None

$720

Average Totals

Multiple Dogs

$112

$1,339

10%

$1,272


Multiple Cats

$59

$710

10%

$639


Multiple Pets

$85

$1,025

10%

$922

Source: The above premiums are based on data compiled for multiple cats and dogs with unlimited annual coverage, a deductible of $100 and reimbursements back to pet parents of 80% or the closest options available.

PET INSURANCE WHERE YOU LIVE

Pet insurance by state.
Give your pets the care they deserve.

Pet insurance offers coverage for accidents, illnesses, injuries, and routine exams, allowing you to properly care for your loyal companion. Click on your state to see how you can protect your four-legged friend!

AlabamaALAlaskaAKArizonaAZArkansasARCaliforniaCAColoradoCOConnecticutDelawareFloridaFLGeorgiaGAIdahoIDIllinoisILIndianaINIowaIAKansasKSKentuckyKYLouisianaLAMaineMEMarylandMassachusettsMichiganMIMinnesotaMNMississippiMSMissouriMOMontanaMTNebraskaNENevadaNVNew HampshireNew JerseyNew MexicoNMNew YorkNYNorth CarolinaNCNorth DakotaNDOhioOHOklahomaOKOregonORPennsylvaniaPARhode IslandSouth CarolinaSCSouth DakotaSDTennesseeTNTexasTXUtahUTVermontVirginiaVAWAWest VirginiaWVWisconsinWIWyomingWYVermontVTNew HampshireNHMassachusettsMAConnecticutCTNew JerseyNJMarylandMDHawaiiHIRhode IslandRIDelawareDE

EXPERT EDITOR & REVIEWER

Sa El

Licensed & Certified Insurance Agent

Sa El is the Founder of Simply Insurance and a licensed Insurance Agent with over 15 years of experience in the industry.  He specializes in Life & Health Insurance and is certified in Long Term Care Insurance in the state of Georgia. a licensed real estate agent in the state of Georgia (License #382602), an entrepreneur, insurance educator, and freelance writer.