How Much is Dog Insurance?

How much is dog insurance? That can be a very tough question but a very important one because the dog lovers are increasing day by day as nowadays all you need is a loyal and faithful friend which is hard to find among humans.

What is Dog Insurance?

Dog insurance is a kind of pet insurance, of course. It is an insurance policy that are willing to pay half or full for the vet treatment your dog may require due to some unexpected injury or illness. There are several different policies and coverage that insurance agency have to get to the owners and fulfill their needs. The owner has to pay a fix amount every month to assure the coverage.

Average Cost of Dog Insurance

The average cost of dog insurance sold up to May 2020 based on the policies is $436.02. There is a wide range of costs available for dog insurance.

Factors Affecting on Dog Insurance

It depends on various different factors that individuals have a good visible impact on the average cost of insurance. Expenses according to the factors are:

Type of Insurance Company

The insurance company you choose has a larger impact on the average cost you have to pay per month because each company has their own coverage plans, deductible options, location limit, etc. Therefore following table shows some of the best insurance companies with their rates:

Insurance Companies Monthly Payouts
Embrace $13 to $100
Nation wide $34 and higher
ASPCA $10 to $16
Pet plan $19 and higher
Healthy Paws $15 to $90
Pets Best $6 and higher
Trupanion $59 and higher
Pet First $16 to $100
FIGO $9 to $35

Breed of Dog

Dogs are of various sizes and shapes and cost may vary accordingly. By collecting the information from the average costs of the best insurance companies and taking into consideration the accidental only
and life time insurance policy, following data was obtained regarding specific breed of dog:

On Accidental Policy:

Breed of Dog Average Monthly Payout
■■■■■■■■■ $5.74
Patterdale Terrier $6.28
Beagle $6.08
Great Dane $9.44
French Bulldog $8.82
Rottweiler $8.99

On Life Time Policy:

Breed of Dog Average Monthly Payout
Patterdale Terrier $26.46
■■■■■■■■■ $20.71
Lhasa Apso $27.91
French Bulldog $79.71
Great Dane $82.82
Rottweiler $84.28

Type of Coverage Plan

Each insurance cover plan has different specifications which they provide to the customers. Due to difference in the insurance policies their is a vast range of average cost that can be paid monthly.

Insurance Policy Average Monthly Payout
Accident only $16.17
Time Limited $48.78
Maximum Benefit More than $50
Life time Up to $100 or more

Age of Dog

The actual average cost depending on the age of dog is still not clear but it can surely be stated that dogs less than 3 years old cost much cheaper than the older dogs i.e. more than 9 to 10 years old. The reason is due to the fact that

the older you get, weaker you become.

Therefore, older dogs would possibly have more problems regarding their health which would ultimately require more money to be used.

Summary: You should consider all these factors and calculate the cos beforehand because once you own a dog there is no going back you have to take care of it.

How much is dog health insurance?

Dog’s health insurance is as much important as any other living thing. They should be treated as a part of your family if you own one.
Although it could be difficult to estimate that how much is dog’s health insurance? an average cost required for a dog insurance per year is £279 in UK, $293 in Australia and $400 in USA. The cost may always vary you only have to lookout for your credit.

How much is dog bite insurance?

Legal expenses of dog bite liability is covered by the homeowners and renters insurance up to the liability limit set by your coverage plan.
The question that arises could be how much is dog bite insurance? The dog bite liability insurance’s rates starts under 10 dollars a month depending upon the amount of coverage which ranges from $10,000 to $300,000. Not only this the insurance may also depend upon the bite history, behavioral history, breed of dog, etc.

How much is pet insurance?

Pet insurance is for your pet’s care and health and all the pet owners should know that how much is pet insurance?. In USA the annual premium can range from $360 to $500 whereas in Australia it can be $293 for a dog and $246 for a cat , considering a decent insurance policy.

Why do I need Dog Insurance?

There is a need for everything in this world. Your dog must be as important to you as your family because once you buy them they become a part of it. All of us even take care of the beautiful little things we buy from the market then why not take care of your FAVORITE DOGS.!!

As it is said;

We can judge the heart of a man by his treatment of animals.

Summary: Anything at anytime can happen to your pet for which you have to be ready because their care requires a lot of money and if you are doing it alone it may cost you your whole wallet. For this reason you have to get the pet insurance for your dog.

What does Dog Insurance covers and What not?

There are certain things that are and are not included in the pet insurance because of course they have to check their own prospective before giving out everything.

Things Which are Covered

Every pet insurance agency will surely covers the following things which may cost you a fortune if you don’t have insurance:

  1. Unexpected illness
  2. Minor or major accidents
  3. Surgical treatment
  4. Cancer chemotherapy or radiation therapy
  5. Bill for vet
  6. Hospital visits
  7. Lost pet
  8. Death of pet
  9. Homeopathic or herbal treatment

Things Which are not Covered

There are different policies available giving out separate coverage so you better check before signing for the policy. But overall they would not be including the following things:

  • Pre-existing conditions
  • Day to day checkup
  • The vet examination fees
  • Hip dysplasia
  • Behavior issues
  • Preventive care such as vaccines
  • For some excluded breeds

Summary: Everything is not perfect and sometimes it may not include the things you require. Same is the case for the insurance policies. Therefore before signing for a policy you should check out all the things which are covered and are not.

What Types of Plan are there for Pet Insurance/ Dog Insurance?

At times, you are unsure of how to choose and what to choose for the benefit of our own. Similar is the thing when it comes to spending money on insurance whether for your home or your pet. To ease this problem the insurance companies are here with the different types coverage plans all of them offering various advantages at various different prices making it easier for you to think about your own convenience.

Generally there are four types of cover plan provided by almost all agencies:

1.Accident Only:

accident of a pet dog

This type of cover may also be called a ‘Lowest budget plan’ or the ‘Basic plan’. One might think to take this coverage because it’s cheaper but that is not always the case, maybe its cheaper but how do you know that it can provide all the necessary insurance you require. Here are the pros and cons of this plan:


  • This cover is perfect for the unexpected accident your dog might undergo whether it be motor vehicle accident or some walking tripping accident or fighting with other pets.
  • It is affordable for everyone since its cheaper.


  • A major drawback of the accident only plan is that it does not cover any kind of illness. And since illnesses are more common than one could imagine therefore if your dog face any sort of illness this insurance plan will not protect you and will not be there for you to cover your expenses. You have to pay on your own.
  • Secondly among accidents it will not insure the injury caused by some flea or insect bite.
  • And the injuries caused by the pre-existing conditions are also not covered in this plan.

Type of dog:
This coverage is best for young, health dogs which have a clear history of vet.

2.Time Limited:

time limit showed by an hour glass

As the name suggests that this policy is applicable only for a specified period of time which is 12 months period i.e. a year. This means that whatever insurance this plan provides will expire after a particular time. Following are the pros and cons you need to be aware of:


  • This specific cover plan not only covers the road accidents, fighting accidents but can also ensure the sickness and illness of your dog.
  • It is helpful in providing coverage for diseases like cancer, genetic conditions, infections, etc.
  • Vet boarding fees is also insured.
  • This plan is slightly expensive than the previous one but is affordable.


  • After the specific time limit this coverage is over and insurance will not pay for the further treatment of your dog’s illness. Therefore you are responsible for the further expenses.
  • It does not include insurance of pre-existing conditions.

Type of dog:

If your dog has a history of a medical condition and is old then it is more prone to acquire illness and this plan would be more suitable for it. Some breeds of dogs experience more health problems such as Bulldog have respiratory problems, Labradors usually become obese if their diet is not controlled.

3.Maximum Benefit

The deal for maximum benefit

This coverage surely provides the maximum benefit to their customers. It could be an option for the people who are looking for average prices. A maximum benefit provides a fixed amount to spend without any time limit.


  • Unlike the previous one there is no time limit in this plan.
  • There is a possibility of reclaiming again and again in this plan if your bound amount has reached its limit. You can apply more than once in a year gaining maximum benefit.
  • It helps you cover both the injury and the illness.
  • This plan is also beneficial for long term treatment


  • Since there is a fixed amount given to use for the injury or illness if the financial limit is over then the condition your dog is facing, becomes pre-existing and is excluded from the plan.

4. Lifetime Pet Insurance:

life time pet insurance

This package is the most expensive as it covers a whole lot of things. Life-time policy covers your dog for their whole life offering you big peace of mind. It is also called as ‘Comprehensive Cover’.


  • This premium option covers accidents, illness, and routine care too.
  • Extra is also given to cover for the pet’s death.
  • This provides preventive treatment too like vaccinations, behavioral training, etc.
  • This policy is renewed every year.
  • At renewal, all of the conditions are the same as of the first year.


  • There is also a financial limit set for every which is to be used for insurance.
  • Once you cross the limit you won’t be getting any extra coverage for that same year. Your policy will be renewed next year.
  • It is too expensive.

Type of Dog:

It should be more like the type of people because if you are willing to pay more for your pet this plan is the best option.

Summary: Apart from all the advantages and disadvantages of each coverage, they might still not be the same in every company. Therefore before registering do not forget to read the terms and conditions.

What is Insurance?

Insurance works as a shield for your wallet, a shelter for your home. It is a term commonly used in law and economics. Insurance is a thing which is taken to protect ourselves from financial losses, a thing which is provided by some company ready to stand with you to protect you against any possibility.

what is insurance and what it covers

What are the types of Insurance?

There are several things out there that belong to you and are very dearest to you too. You cannot afford to loose them just because you had financial issues. Therefore, different types of insurance are provided by the states to ease your problems:

Types of Insurance Reason to have it
Health Insurance To maintain yourself
Life Insurance For your ■■■■■■■
Homeowners Insurance To maintain your home
Car Insurance To protect the vehicle and driver
Pet Insurance For pet’s health
Renter Insurance To protect their present property
Travel Insurance For incidents during travel
Umbrella Insurance For extra coverage

Summary: Insurance plays the key role in protecting you, your family, your property and everything else too. It is the best financial friend in this world of fraud.

Frequently Asked Questions

Is Dog Insurance Worth it?

If you’re unsure that your pet insurance is worth it or not than imagine how you would deal with an unexpected bill or any unusual illness your dog may suffer and maybe the illness would require long term treatment like cancer radiation therapy or costly treatment like some disinfecting injections or something. Without pet insurance, the unusual large vet bills can make a big dent in your wallet.

What is the most expensive dog to insure?

There are five different breeds of dog which are the most expensive to be insured by any of the pet insurance company. These are:

  1. Great Dane
  2. Dogue de Bordeaux
  3. English Bulldog
  4. Newfoundland
  5. Bull Mastiff

What dog is the cheapest to own?

Owning a dog can be very costly but the six least expensive or cheapest dogs to own are:

  1. Golden Retriever
  2. Dachshund
  3. Miniature Pinscher
  4. Rat Terrier
  5. Black and Tan Coonhound
  6. American Foxhound


By summarizing all of the above information it is quite clear that dog insurance can be affordable and can be costly too. Therefore before considering the question that how much is dog insurance you should consider the dog you own.

Read Related Topics:

How much is dog’s health insurance?

How much is dog insurance cost?

How much is dog bite insurance?

What is pet insurance?

What is life insurance?

How much is whole life insurance?


Just how much you spend for a dog insurance policy differs commonly. It most of the depends upon various factors. The month-to-month costs can vary from as reduced as $10 to greater than $100, though the majority of pet dog proprietors can anticipate to pay in between $30 as well as $50 each month for a strategy with respectable insurance coverage ۔.

Is Pet Insurance Worth It?

Many pet dog moms and dads pay of pocket for their pet dogs’ clinical costs. This is simpler to do if you generate adequate earnings to place cash apart for your pet dogs’ health care. However the majority of Americans battle to conserve cash whatsoever.

A lot more notably, there’s no chance to expect what will certainly occur in the future-- you can not forecast when or just how your family pets will certainly get ill, or just how much it will certainly set you back.

Despite exactly how mindful or liable we are, our pups locate as well as feast on socks, our kittycats climb and also stumble off racks, as well as we have a duty to fix them back to health and wellness. We enjoy our animals, and also animal insurance coverage is one device that allows us to take care of them without economic concern.

Understanding that 1 in 3 pet dogs will require emergency situation vet therapy within a provided year, just how do you plan for the expenditure?

Initially, you require to comprehend the standard prices of animal treatment.

The Basic Costs of Pet Care.

The ASPCA approximates pet dog moms and dads invest roughly $355 to $650 each year on food, playthings, deals with, as well as various other assorted costs relying on the dimension, type, and also area of their pets.

Seldom acquisitions such as cages, provider bags, and also cages can set you back an extra $470 to $560. In overall, the first-year expenses of having canines and also felines are around $1,000 to $2,000 usually.

At the same time, the typical expense for a regular vet examination or wellness browse through can set you back anywhere from $50 to $250. Injections are rather budget friendly. You’ll likely pay regarding $100 for a canine’s core injections, for instance. For pet moms and dads fortunate sufficient to have normally healthy and balanced pet dogs, these prices might be all they require.

However routine vet treatment, health gos to, and also vaccinations aren’t what you require to be worried about when it pertains to your pet dog’s health care expenses.

If your family pet falls victim to a disease, or if your veterinarian finds something wrong at a normal examination, you can anticipate your veterinarian expenses to increase considerably.

The greatest prices originate from unforeseen emergency situations and also surgical treatments.

Clinical Emergencies for Pets.

Unpredicted yet typical and also pricey vet treatment is nearly difficult to anticipate. Pet dog attacks, cracks, and also things intake can set you back countless bucks to deal with. A tendon fixing in pet dogs can set you back $3,000 to $7,000, not consisting of X-rays, anesthetic, and also follow-up treatment (yes, physical treatment exists for family pets!). For felines, an urinary system blockage (UO) frequently calls for laboratory screening, prescription antibiotics, and also surgical procedure, which can set you back as much as $3,000.

In the most awful instances, a pet clinical emergency situation can result in lasting expenditures.