Pet Insurance Cost Calculator

Accident-and-illness coverage averages about $62/month for dogs and $32/month for cats (NAPHIA 2024 industry data), but your price depends heavily on species, age, breed size, and where you live. This calculator estimates a monthly range from those factors.

Older pets are statistically more likely to need care, so premiums rise with age — an 8-year-old dog can cost roughly double a 2-year-old. Enrolling while your pet is young locks in a lower starting rate, and pre-existing conditions are excluded across all major insurers, so waiting rarely pays off.

For dogs, yes — larger breeds cost more to treat and are prone to expensive conditions, so a giant breed can run 1.5–2× a small breed. Cats show far less size-driven variation.

Your coverage choices: a higher deductible or lower reimbursement percentage lowers the premium, while an unlimited annual payout raises it 30–60%. Location matters too, since premiums track local veterinary costs.