How much is pet insurance for a dog?

Veterinary expenses can be substantial if your pet suddenly becomes ill or injured.

Pet owners will spend a record $34.3 billion on veterinary care and related expenses in 2021, American Pet Products Association (APPA). If the potential for expensive vet bills worries you, pet insurance may be an option worth exploring to help offset the cost.

Pet insurance works much like human health insurance. You pay a monthly premium for a policy that covers (or compensation) costs of unexpected injuries, illnesses and other conditions. This insurance is relatively inexpensive, but it can be a financial lifesaver if you’re suddenly faced with a hefty vet bill.

Pet insurance primarily covers dogs and cats, and we will cover the cost Pet insurance for dogs In this guide.

If you’re in the market for pet insurance, start by getting a free online price quote so you know exactly what to expect.

How much is pet insurance for a dog?

Generally, dog insurance is more expensive than cat insurance because dogs are usually larger and require more medications and treatments for veterinary procedures. Coverage premiums for dogs range from $10 to $100 per month, with average costs between $30 and $50.

Several factors contribute to this Premium amount The amount you pay depends on your dog’s breed, age and where you live. As with human health insurance, you’ll pay more for an older dog than a puppy, because health problems are more likely.

Depending on your policy, your pet insurance may help your dog get the treatment it needs for accidental injuries, illnesses or hereditary conditions. Some providers allow you to purchase add-on coverage plans for routine care, dental care, preventive procedures and prescriptions.

Which dog breeds are the cheapest to insure?

The cost of dog insurance coverage can be cheap or expensive depending on your dog Breeding. Breeds that statistically carry a higher likelihood of health problems will generally cost more to insure. Breeds that are known for living longer, healthier lives generally carry lower insurance premiums.

LendEDU analyzed the data Spot Pet Insurance has discovered around 114 dog and cat breeds and the most affordable dog breeds to insure are the English Springer Spaniel, Miniature Yorkshire Terrier and Goldendoodle. Premiums for these varieties range from about $34 to $40 per month. Not surprisingly, the first two breeds are small dogs, and all three are known to live long lives.

You might think mixed breeds are more expensive to insure, but that’s not the case. Because mixed breeds are less likely to inherit genetic-specific health problems, their premiums are generally more affordable than their purebred counterparts.

You can now easily check prices from Pet Insurer Lemonade online.

Which dog breeds are expensive to insure?

Some dog breeds are more expensive to insure because their breed is prone to certain diseases and conditions.

For example, Rottweilers are often more expensive to insure in part because they are more affected by hip dysplasia than other breeds. Fetch by The Dodo, which says its average monthly premium for all dog breeds is $35, quoted a $45.86 premium for a 2-year-old Rottweiler in St. Louis with a $5,000 limit, an 80% reimbursement rate and a $300 deductible.

According to a LendEDU study, the most expensive dog breeds to insure are the Newfoundland, Dogue de Bordeaux and Jack Russell Terrier, with monthly premiums of about $90 to $100. “Newfies” and the Dogue De Bordeaux are large animals weighing upwards of 140 to 150 pounds, while all three breeds are susceptible to breed-specific health problems.

Bottom line

Since dog insurance costs vary by breed, it’s a good idea to get a few quotes from pet insurance providers to determine how much your dog might cost. before doing Consult your veterinarian About any future health concerns for your dog. That way, you can save money by signing up for only the coverage you need.

You can also get cheaper insurance rates with an accident-only policy. These policies aren’t comprehensive, but they can be tailored to your needs and cost as little as $10 per month

You can now get a free pet insurance quote online in 30 seconds or use the table below to review some of the top pet insurance providers.