Which pet costs more to insure?

Asked by: Kyle Willms  |  Last update: September 26, 2025
Score: 4.2/5 (32 votes)

The average cost of dog insurance is $676 per year, or about $56 per month. The average cost of cat insurance is $383 per year, or about $32 per month. Dogs generally cost more to insure than cats.

What type of pet insurance is pets best?

Pets Best pet insurance plans for dogs and cats can cover unexpected accidents, illnesses, surgeries, cancer, and much more. We also offer wellness coverage for routine care, and specialized coverage plans.

What dogs are the most expensive to insure?

Pudelpointer

Pudelpointers are medium-sized athletic hunting dogs known for both their stamina and intelligence. They make excellent companions and are also great with families, children, and other pets. But Pudelpointers are one of the most expensive dogs to insure, costing an average of $1,442 per year.

Are dogs or cats more to insure?

For example, because dogs are larger and usually require more medication and sedation than cats, pet insurance premiums are typically higher for dogs than cats. But costs vary widely depending on the breed of your cat or dog.

Is pet insurance more expensive for certain breeds?

Some Dog Breeds Will Cost More to Cover. Premiums for big dogs and purebreds are generally higher. But as one expert put it, “Every dog can get sick.” Here's what to know about coverage.

Pet Insurance: What it costs, what it covers, and how to find the best

20 related questions found

Which breed of dog is cheapest to insure?

What are the cheapest dog breeds to insure?
  • Small mongrel (up to 10kg)
  • What health problems should you look out for?
  • Jack Russell Terrier.
  • What health problems should you look out for?
  • Norfolk Terrier.
  • What health problems should you look out for?
  • Cockapoo.
  • What health problems should you look out for?

Which pet cost more to insure?

Generally, larger breeds are more costly to insure than smaller ones. Big dogs are more susceptible to certain health issues and have shorter lifespans. Medical expenses associated with treating larger animals are often higher too.

Can the color of your car affect your insurance premium?

Does car color affect insurance rates? The color of your car doesn't affect your insurance rate. Instead, your insurance company uses other information, like your car's age, location, usage, and your driving record, to help determine insurance rates.

Are there certain dog breeds that might not be covered by insurance?

For many insurance companies, these breeds are considered restricted dog breeds: Akita. Alaskan malamute. American Staffordshire terrier.

What breed of dog is uninsurable?

The following types of dog breeds are most often considered high-risk dog breeds by many insurance companies: Pit Bull Terriers. Staffordshire Terriers. Rottweilers.

What is the most affordable dog to own?

A 2021 article published on Yahoo's finance site listed these 30 least expensive dog breeds and their estimated average purchase prices:
  • Manchester Terrier $600.
  • Schipperke $650.
  • Irish Terrier $650.
  • German Wirehaired Pointer $700.
  • Border Collie $525.
  • Beagle $650.
  • Australian Terrier $550.
  • Pembroke Welsh Corgi $550.

What are the three types of pet insurance?

There are three main types of pet insurance:
  • Comprehensive, which covers accidents and illnesses.
  • Accident-only, which only covers accidents.
  • Wellness, which helps pay for preventive care.

Does pet insurance pay you or the vet?

While most pet insurance companies can pay veterinarians directly for the cost of a pet's medical care if authorized by you, pet insurance has traditionally been a reimbursement model. You pay your veterinarian, then file a claim. In some cases, your veterinarian may submit your claim on your behalf.

Which pet insurance does not increase with age?

As you select a pet insurance company, you should factor how your pet's age affects its coverage and premiums. For example, Trupanion does not increase premiums due to age, though it may increase premiums due to inflation.

What color car has the highest insurance?

You'll often hear people say that certain car colours are more expensive to insure than others. Red and yellow cars, for instance, are often labelled as "risky" and therefore attract a higher premium. But that's actually a myth about how car insurance works.

What cars are cheapest to insure?

What cars have the lowest insurance rates? Typically, compact SUVs with high safety ratings and low MSRP have the lowest average insurance rates. Vehicles like the Subaru Outback, Honda CR-V and Toyota RAV4 all fit this model and have some of the lowest average premiums out of all the vehicles Bankrate reviewed.

Does hitting a deer fall under collision coverage?

Your car insurance will cover a deer hitting your car if you have comprehensive coverage. This is an optional coverage that pays for damage to your car not related to a collision. Comprehensive coverage will not apply if you swerve to avoid a deer or other animal and hit another vehicle or stationary object.

Does all pet insurance go up every year?

Pet insurance often increases every year, though not always. Understanding the reasons behind these increases can help you make informed and wise decisions about your pet's coverage.

Does pet insurance cover surgery?

Pet insurance plans may cover medically necessary surgeries, including emergency surgeries and some preventative procedures. Optional or elective surgeries are usually not covered, and some surgeries may be excluded if they're related to a pre-existing condition.

Does standard pet insurance cover dental cleanings?

Standard pet insurance covers accidents and illnesses but doesn't pay for routine care such as dental cleanings. When you purchase pet insurance, you can generally opt for accident and illness coverage or accident-only coverage.

What is a good amount for pet insurance?

The amount of pet insurance you'll need varies based on factors like your pet's breed, age and health. Aim for enough coverage to handle unexpected accidents or illnesses, ranging from a few hundred to several thousand dollars.

What is the most cost effective pet?

9 Cheapest Pets to Own
  • Guinea Pigs.
  • Hermit Crabs.
  • Sea Monkeys.
  • Dwarf Frogs.
  • Goldfish.
  • Leopard Geckos.
  • Ants.
  • Canaries.

What is the most expensive dog for pet insurance?

Known for their loyalty and protective nature, Bullmastiffs tend to face health challenges including joint issues and heart problems, which makes them a high-risk breed for insurers.