Let’s take an example of any thing you have and checkout the price of that thing you would definitely get variety of different price list provided from various companies. Similar is the case with the dog insurance once you start considering to take it you would have to properly research about the question 'how much is dog insurance cost?
What is the Cost of Dog Insurance?
The cost for dog insurance can vary widely, it can be as little as 10 dollars or as much as 100 dollars. But if a decent and normal coverage plan is considered the pet owners are expected to pay between $30 and $50 a month.
Factors Affecting Cost of Dog Insurance
There are several insurance companies in a single country giving out unique propositions to the customers. But since there are four different policies available in every agency, the cost for individual plan would be different in different companies. Therefore the cost depending on the type of agency could be categorized into four different policies:
Dog Insurance for Accident Only Plans
Accident only plan is really only for the accidents which your dog might undergo including fighting, tripping, road accidents but injury due to some parasitic bite is not included.
The cheapest insurance companies for the cheapest insurance coverage with $250 as deductible and the standard of 4 years male dog, the cost may vary as:
| Sr. No. | Insurance Company | Monthly Cost |
|---|---|---|
| 1 | Pets Best | $9.00 |
| 2 | Nationwide | $25.32 |
| 3 | ASPCA | $25.98 |
Dog Insurance for Accident and illness Plans
This type of coverage has a plus for sickness and illness too. It may not be the cheapest but is affordable to most of the people. This second not too cheap policy for 4 years old male dog with $200 to $300 as deductible, following insurance agency provides the cheapest prices:
| Sr. No. | Insurance Company | Monthly Cost |
|---|---|---|
| 1 | Healthy Paws | $41.38 |
| 2 | Figo | $39.80 |
| 3 | Nation wide | $77.14 |
| 4 | ASPCA | $60.48 |
| 5 | Pets Best | $48.02 |
| 6 | Pet Plan | $68.06 |
| 7 | Trupanion | $84.21 |
| 8 | Embrace | $44.69 |
Dog Insurance for Maximum Benefit Plan
The maximum benefit plan is really beneficial as it has no time limit and can be reclaimed more than once in a year making it more helpful. It also covers accidents and illness. In this plan the insurance companies will provide independent fixed rate to the owners that needs to be paid monthly:
| Sr. No. | Insurance Company | Monthly Cost |
|---|---|---|
| 1 | Embrace | $59.25 |
| 2 | Pet Partners | $61.00 |
| 3 | Nation wide | $50.83 |
| 4 | ASPCA | $64.89 |
| 5 | Pets Best | $70.19 |
| 6 | Pet First | $57.95 |
| 7 | Trupanion | $68.09 |
Dog Insurance for Life time Coverage
Life time coverage plan is the comprehensive one covering all types of accidents, illness, routine care checkups and even preventive treatments including vaccinations, therapies etc. Last but definitely not the least, the most expensive coverage plan given separately by different insurance companies are as follows:
| Sr. No. | Insurance Company | Monthly Cost |
|---|---|---|
| 1 | Embrace | $31.13 |
| 2 | Figo | $33.08 |
| 3 | Nation wide | $34.95 |
| 4 | Pet First | $35.00 |
| 5 | Pet partners | $39.94 |
| 6 | ASPCA | $40.83 |
| 7 | Pet Plan | $44.19 |
| 8 | Pets Best | $31.13 |
| 9 | Healthy paws | $52.09 |
| 10 | Trupanion | $58.14 |
There are diverse breed of dogs each assigned for specific tasks. This breeding is done by the humans in order to take advantage from them. Some are small and some are large on the other hand some are not aggressive but others are way difficult too control. Some dogs can develop specific breed diseases which would require long term treatment. These are the reasons for the variation in the prices of each breed.
Here is the table to give you an idea of the range of cost starting from the cheapest to the most expensive:
| Sr. No. | Breed of Dog | Type of Coverage | Monthly Premium | Type of Coverage | Monthly Premium |
|---|---|---|---|---|---|
| 1 | Patterdale Terrior mix | Accident Only | $291 | Life time | $787 |
| 2 | Beagle mix | Accident Only | $381 | Life time | $767 |
| 3 | Labradoodle mix | Accident Only | $381 | Life time | $767 |
| 4 | Lhasa apso cross | Accident Only | $298 | Life time | $610 |
| 5 | Chihuahua | Accident Only | $298 | Life time | $610 |
| 6 | Great Dane mix | Accident Only | $567 | Life time | $1189 |
| 7 | French Bulldog cross | Accident Only | $429 | Life time | $885 |
| 8 | Rottweiler cross | Accident Only | $435 | Life time | $913 |
| 9 | German Shepherd mix | Accident Only | $381 | Life time | $767 |
| 10 | Bullmastiff cross | Accident Only | $567 | Life time | $1189 |
| By the help of this table it is quite clear that mixed breed dogs are more expensive than cross breed ones and the cost also depends on type of policy you are using for the specific breed. |
It is easier to treat and to take care of dogs when they are younger as compared to older dogs because they might get some illness due to age but this is the condition for lifetime policy whereas if accident only policy is chosen it will have high rates for the younger dogs because they are more active. For understanding the relation, lets consider for some dogs at two different ages:
For Accident Only Policy:
| Dogs | Avg. Cost at the age of 1 | Avg. Cost at the Age of 5 |
|---|---|---|
| Formosan Mountain Dog | $497 | $484 |
| Bull Terrier | $504 | $466 |
| Boxer | $567 | $569 |
| Hygen Hound | $567 | $569 |
| Newfound land | $558 | $484 |
For Life Time Policy:
| Dogs | Avg. Cost at the age of 1 | Avg. Cost at the Age of 5 |
|---|---|---|
| Formosan Mountain Dog | $1,221 | $1,437 |
| Bull Terrier | $1,110 | $1,411 |
| Boxer | $1189 | $1403 |
| Hygen Hound | $1,189 | $1,403 |
| Newfound land | $1135 | $1437 |
Summary: Thus the cost required for dog insurance do not remain constant, it varies with the passing time, increasing expenses of medicines and injections, etc. But it should not stop you from getting a pet insurance because their lives are prime factor.
Frequently Asked Questions
How much does it typically cost to own a dog?
Owning a dog can be sometimes expensive due to their pet care but they are always worth it. The average cost for owning a dog could be $125 to $824 per month or $1500 to $9900 a year depending upon their types.
What is the average cost of dog insurance UK?
The average cost mostly leads to few hundreds pounds a year but it can be increased up to thousands because of any persistent condition of your pet. Average dog insurance was £279 per year till 218.
Is owning a dog worth it?
Yes definitely! Dogs are like your personal bodyguard or your faithful friend, who would be there every time you need. Some would think that taking care of the them would be tough, but once you own them, all of the duties would be like a routine for you.
Conclusion
The thought ‘how much is dog insurance cost’ would be quite clear now. But it is necessary to keep your credit in check before even owning a dog or any other pet as they are as much important as any of us.