Many pet parents are turning to insurance to help manage costs, but figuring out what’s covered and how much it might cost isn’t always easy. If you’re wondering about the cost of pet insurance for a new puppy or kitten, it helps to understand how policies work in 2025 and what affects the price.
What Are Average Pet Insurance Costs in 2025?
Most pet insurance plans cover accidents and illnesses. The average premium is around $60 a month for dogs and $30 for cats, according to Pawlicy Advisor, but actual premiums may vary based on a variety of factors.
When you do a pet insurance cost comparison, results are based on your pet’s age, breed and where you live. Some budget-friendly plans are closer to $15 per month, while more comprehensive policies cost more.
What Are Average Monthly Premiums?
Pet parents usually pay premiums monthly. The amount depends on your plan’s coverage, deductible and reimbursement rate. A lower deductible often means a higher monthly payment, but it also reduces your out-of-pocket costs for a covered event.
What Are Annual Limits and Deductibles?
Every plan has its own structure. Some set an annual payout limit, while others offer unlimited coverage. Most include a deductible, which is the amount you pay before your coverage begins.
Healthy Paws offers one straightforward plan with no annual or lifetime caps, so you won’t have to track a maximum if your pet needs long-term treatment.
Why Healthy Paws Is a Trusted Source for Pet Insurance
Healthy Paws is one of the top-rated providers for a reason. Our affordable pet insurance plans cover accidents, illnesses, hereditary conditions and emergency care with no annual or per-incident caps.
5 Major Factors That Affect Pet Insurance Cost
1. Breed
Certain breeds are more likely to develop health conditions. For example, French bulldogs tend to have higher premiums because of breathing and joint issues.
2. Your Pet’s Species
Cats are generally less expensive to insure than dogs. That’s mostly because they need less care overall, and treatment costs are usually lower.
3. Age of Your Pet
Younger pets are cheaper to insure, but even kittens and puppies are prone to some common health issues. As pets get older, premiums typically increase. That’s because health risks go up with age, and claims tend to be more frequent.
4. Where Your Pet Lives
Veterinary costs vary depending on where you are. Insurance premiums tend to be higher in cities or areas with expensive vet care.
5. Type of Insurance Coverage
Comprehensive plans that include both accidents and illnesses cost more than accident-only coverage. Choosing your deductible and reimbursement percentage also affects the final premium.
Is Pet Insurance Worth It?
Many pet parents say insurance is worth it. Insurance helps make treatment decisions easier by covering a portion of the bill. For pets who develop a chronic condition or face a serious injury, coverage can save thousands.
Frequently Asked Questions About Pet Insurance
Does Pet Insurance Cover Medication?
Yes, when it’s prescribed to treat a covered condition.
How Does Pet Insurance Work in Different States?
Plans are similar across the United States, but premiums can vary depending on local vet costs.
Is Pet Insurance Required?
No, but it can be a helpful safety net.
Do Pet Insurance Premiums Increase With My Pet’s Age?
Yes, most plans raise premiums as pets grow older.
The content linked on this page is advisory in nature and is offered for general information purposes only. These materials are not intended as a substitute for consultation with your insurance broker, or for legal, engineering or other professional advice.