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Pet Insurance: Cheapest, Most Expensive Breed to Insure

Beautiful yorkshire terrier playing with ball in the grass
The amount you pay for pet insurance can depend on the breed of your furry family member.

Yevgen Romanenko/Getty Images

It’s bad enough when your dog or cat gets sick, but vet bills can add to your pain. thanks, Pet insuranceA type of health insurance for dogs and cats can help you save money on veterinary expenses and even cover them entirely.

Pet insurance costs can vary greatly by lender and breed. Because dogs are larger and generally require more medication and sedation than cats, pet insurance premiums are typically higher for dogs than for cats. But the cost range greatly depends on the breed.

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

Cheapest and most expensive breeds to insure

Ready to insure your furry friend? Here’s what you can expect to pay for one of these varieties.

Cheap dog breed insurance

According to a LendEDU analysis Spot pet insurance data for 114 dog and cat breeds, three Most affordable variety The lowest average overall premiums are as follows:

  1. English Springer Spaniel: $33.56 per month
  2. Miniature Yorkshire Terrier: $37.24 per month
  3. Goldendoodle: $39.62 per month

It’s not surprising that the first two breeds are the least expensive dog breeds to secure. The English Springer Spaniel and the Miniature Yorkshire Terrier are small breeds known for long, healthy lives.

Given their larger size, it’s little wonder Goldendoodles have some of the cheapest pet insurance premiums. This cross between a golden retriever and a poodle usually lives an average of 12 to 15 years but can experience some health problems, especially elbow and hip dysplasia, eye problems and heart disease.

Interestingly, dog insurance can be cheaper for mixed breeds because hereditary health problems associated with dog breeds are less likely to be inherited, and their immune systems are better.

You can get a free pet insurance quote from Spot in 30 seconds.

Expensive dog breeds to insure

The most expensive breeds to insure with dog insurance are those known to be susceptible to many health conditions According to LendEDU’s analysis, these three breeds carry the most expensive pet insurance premiums:

  1. Newfoundland: $100.79 per month
  2. Doug de Bordeaux: $94.19 per month
  3. Jack Russell Terrier: $89.53

Newfoundlands and Dogue de Bordeaux are large dogs, weighing up to 150 and 140 pounds, respectively. Newfoundlands are known to be friendly with children, but sadly, the breed often deals with numerous hereditary health issues later in life. Hip dysplasia, narrowing of heart valves and kidney stones are some of the health problems faced by “newbies”.

For their part, Dogue de Bordeaux are large mastiffs that are excellent guard dogs, but many battle tricuspid valve dysplasia, narrowing of the heart valves, and drooping eyelids.

The Jack Russell Terrier is a small, high-spirited breed that weighs only 13 to 17 pounds and has an average lifespan of 10 to 15 years. So why is it one of the most expensive dog breeds to insure? Although Jack Russell terriers live long, healthy lives, they can develop breed-related health problems, including deafness and patellar luxation, which may require surgery.

With the higher average monthly premiums for these dog breeds, this can make sense Buy pet insurance To offset the cost of care and treatment. You can get a customized price quote from Figo now.

Cheapest cat breeds to insure

Cats are generally less expensive than dogs, and These breeds The most affordable monthly premiums can include:

  1. Bombay: $25.73 per month
  2. Siberian: $28.30 per month
  3. Domestic Shorthair: $30.09 per month

According to ASPCA pet health insuranceThe top five cat insurance claims for Bombay cats are:

  • Breathing problems
  • upset stomach
  • Pneumonia
  • bronchitis
  • Asthma

The primary disease in Siberian cats is hypertrophic cardiomyopathy (HCM), insurers report. HCM can lead to heart failure, so it’s wise to get a screening from your vet.

Domestic shorthairs are the most common cat breed in the United States and the cheapest to insure. These cats usually have no dietary restrictions, but they can become obese.

Be aware that cats can suffer from a wide range of ailments, from ear mites and skin disorders to kidney disease and cancer. Pet insurance If your provider offers a wellness plan that helps cover veterinary exams and preventative care, some of these issues can be avoided.

Expensive cat breeding insurance

So what cat breeds come with the highest cat insurance costs?

  1. Abyssinian: $41.82 per month
  2. Persian: $41.32 per month
  3. Ragdoll: $37.98 per month

In addition to being beautiful, family-friendly cats, Abyssinians have a ticked coat pattern similar to mountain lions and other wild cats. Although these cats can live up to 15 years or more, they can inherit serious health problems such as upper respiratory infections, inflammatory bowel disease and mycoplasma, a red blood cell disease.

Persians are known for their striking beauty and their upturned noses. But the shape of their nose often restricts their breathing and can even lead to respiratory health problems. Persians also have eye problems such as cherry eye, drooping of a cat’s third eyelid, and entropion (when a cat’s eyelid begins to grow inward toward the eye).

Did you know it takes four years for a ragdoll cat to grow to its full size, up to 20 pounds for boys and 15 pounds for girls? Unfortunately, these friendly felines commonly deal with kidney disease, stomach problems, and heart murmurs.

Unfortunately, disease and illness aren’t the only causes of cat insurance claims. Cats have a curious nature that often leads them into injury-causing accidents. While we don’t like to think about a tragedy affecting our furry loved ones, it can be worth having pet insurance to minimize the cost of veterinary care and treatment. You can easily explore a wide range of pet insurance providers using the table below.

Pet insurance costs depend on coverage

As we’ve seen, pet insurance prices can vary by breed, with average monthly premiums ranging from roughly $30 to $100 for dogs and $25 to $42 for cats. These premiums are averages for accident and sickness coverage. Keep in mind, however, that you may pay less or more than this amount depending on the coverage options you choose.

For example, many pet insurance providers offer accident-only coverage for $15 per month for dogs and $7 for cats. Depending on your insurer, you may be able to purchase a preventive care add-on for tests, vaccinations and other services. Additionally, you can adjust your annual benefit amount, exceptand payout percentages to dial in the coverage that meets your needs and budget.

While most insurers only offer pet insurance for dogs and cats, some can help you save money on veterinary bills for other animals. Here are the average monthly premiums for the following animals, according to Nationwide.

  • bird: $15.75
  • Exotic pets: $9
  • Reptiles: $8

if you can Monthly premium bearing, purchasing pet insurance can help protect your animals and save money on vet bills. Get started now by getting a free price quote.

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