Pet Insurance Calculator
Estimate your pet insurance premium based on your pet's age, breed, and the coverage tier you need. Get instant results for dogs and cats.
The average U.S. pet owner pays $43 per month for dog insurance and $23 per month for cat insurance on a standard accident-and-illness plan, according to Insurify rate data current as of June 2026. Premiums vary significantly by state — Massachusetts dog owners pay the most at $64/month, while Mississippi and Alabama pay the least at $32/month. Your pet's age is the single biggest cost driver: premiums roughly double between ages 3 and 12. Breed size, coverage tier, annual limit, and deductible each shift the estimate by 15–60%. Use the calculator below to build a personalized estimate in under 30 seconds, then print or copy the results for comparison shopping.
Pet Insurance Estimator
Estimated Premium
Based on your pet's profile
per month
Frequently Asked Questions
What does pet insurance cover?
Pet insurance typically covers accidents, illnesses, and emergency care. Comprehensive plans may also include preventive care, dental, and behavioral therapy. Pre-existing conditions are generally excluded.
How much does pet insurance cost?
Costs vary based on age, breed, location, and coverage tier. Dogs typically cost more than cats. Premiums range from $20 to $100+ per month.
Is pet insurance worth it?
Pet insurance can be worth it for unexpected accidents and illnesses that could result in thousands in vet bills. It provides peace of mind.
What are the different coverage tiers?
Most pet insurers offer Accident-Only, Accident & Illness, and Comprehensive tiers. Higher tiers provide more coverage at higher premiums.
Do all plans cover pre-existing conditions?
No, virtually all plans exclude pre-existing conditions. Some may cover curable conditions after a waiting period.
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* Estimate only. Actual policy cost depends on individual qualifications and carrier rules.