Dog insurance costs vary from plan to plan. Typically, the monthly premium will depend on the plan tier/type, which can be affected by your dog’s breed, age and/or pre-existing conditions.
How much does it cost to insure a dog?
On average, it costs between $8 to $155 per month in the United States to insure a dog.
Because plans vary so much in terms of what they cover, they also vary drastically in price. Monthly premiums are calculated based on the animal’s age, breed, pre-existing conditions and many other factors.
Basic Coverage plans are generally the cheapest plans available. These plans are also commonly referred to as accident-only policies, because they explicitly offer reimbursement on veterinary care services for accidental injuries or illness treatment. On the more expensive side, you may opt for a Comprehensive Coverage plan, which might cover routine care and emergency treatment — ensuring that your dog is cared for and insured at every turn!
Is it a legal requirement to insure your dog?
No. Dog health insurance is completely optional in the United States. But it’s always a good idea, no matter where you live!
Is dog insurance worth having?
Dog insurance can help alleviate a lot of the stress that comes with covering the cost of veterinary care for your dog. At the minimum, dog insurance can save you a lot of money on everything from basic routine care to emergency visits, prescriptions and more.
Will dog insurance save me money?
Absolutely! Every plan is different. But in general, dog insurance plans exist to save you money — and simplify the process of paying for veterinary care. Some plans will discount an assortment of services. Others might make paying for costly emergency visits a bit more manageable with convenient payment plans.
Is it cheaper to insure multiple dogs?
Sometimes. Many dog health insurance providers will offer package deals. Others will charge the same monthly or annual premium regardless of how many policies you maintain. If you have a lot of dogs in your family, you might want to consider a plan that will allow you to bundle services for multiple pets.
The average multi-pet dog insurance plan offers a discount of up to 10%. That can certainly make a world of difference when you have multiple dogs to insure!