Dog Insurance Cost
Frequently Asked Questions
How much is dog insurance per month?
Dog insurance averages $35-$55/month for an accident and illness plan with 80% reimbursement and $500 deductible. By breed: Mixed breed: $30-$40/mo, Labrador: $35-$50/mo, Golden Retriever: $40-$55/mo, French Bulldog: $55-$75/mo, German Shepherd: $40-$60/mo.
What is the most expensive breed to insure?
Most expensive breeds to insure: English Bulldog ($65-$95/mo), French Bulldog ($55-$75/mo), Rottweiler ($50-$75/mo), Great Dane ($55-$80/mo), and Bernese Mountain Dog ($55-$80/mo). These breeds have higher rates due to genetic health conditions and higher vet costs.
Does dog insurance cover hip dysplasia?
Most pet insurance plans cover hip dysplasia if: your dog was enrolled before showing symptoms (not pre-existing), there is no waiting period exclusion still in effect (typically 6-12 month waiting period for hip conditions), and the plan covers hereditary/congenital conditions. Hip dysplasia surgery costs $3,500-$7,000 per hip.
Is dog insurance more expensive than cat insurance?
Yes, dog insurance costs 40-60% more than cat insurance on average. Dogs cost more to insure because they have more accidents, are prone to more genetic conditions, and vet costs for dogs are generally higher due to their larger size.
At what age is it too late to get dog insurance?
Most insurers accept dogs up to age 14. However, premiums increase significantly after age 7-8. Pre-existing conditions accumulated over the years will be excluded. Enrolling a senior dog still provides value for new conditions, accidents, and emergencies. Some companies like Embrace and Pets Best have no upper age limit.