Free · 2026 prices · Instant
Pet Insurance Cost 2026
Monthly & Annual Premiums
How much is pet insurance? Estimate monthly and annual premiums by pet type, breed size and age. Free pet insurance cost calculator.
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Your inputs
Insure early: premiums are lowest for young pets and pre-existing conditions are excluded.
Your estimate
Pet insurance
$12,000
≈ range $9,600 – $19,200
Low estimate
$9,600
High estimate
$19,200
Detail 1$120/m²
Detail 2120 m²
Estimated total$14,400
Estimates use national averages. Always get local quotes before committing.
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Pet insurance FAQ
How much does pet insurance cost?
Dogs typically cost $25–70/month and cats $15–40/month, depending on breed, age and coverage level.
Is pet insurance worth it?
For large breeds and young pets it can save thousands on emergency care. Compare premiums against your risk.
What does pet insurance cover?
Most plans cover accidents and illness; add-ons cover wellness (vaccines, check-ups). Pre-existing conditions are usually excluded.
When should I insure my pet?
Early — policies usually exclude pre-existing conditions, and premiums are lower for young pets.
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