How Much Does Pet Insurance Cost in 2025?

Complete Pricing Guide with Breed & Location Analysis

Quick Answer

The average cost of pet insurance ranges from $37.18-$88/month for dogs and $23.84-$49.76/month for cats. French Bulldogs ($111/mo) and Maine Coon cats ($59/mo) are among the most expensive breeds to insure.

Key Factors Affecting Pet Insurance Costs

🐾 Breed Differences

Purebred dogs cost 42-68% more to insure than mixed breeds. High-risk breeds like French Bulldogs have 1.7x higher premiums due to genetic health issues.

📅 Age Impact

Premiums increase 8-25% annually after age 5. A 2-year-old mixed breed dog pays $35/month vs $122/month at age 8.

📍 Location Variations

Northeast premiums are 15% higher than Midwest averages. Cheektowaga, NY costs align with Buffalo averages at $30-$34/month.

Cost Comparison by Coverage Type

Basic

$9-$17

Accident-only coverage

Standard

$38-$88

Accident & illness

Premium

$100+

Unlimited coverage

Frequently Asked Questions

Q: How much is pet insurance for a French Bulldog?

A: Average $111/month in 2025 - 142% higher than mixed breed dogs due to breathing issues.

Q: Does pet insurance get more expensive as my cat ages?

A: Yes. Premiums increase 10-15% annually after age 7. An 8-year-old cat pays 75% more than a 2-year-old.

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Our calculator considers 23 factors including:

  • 📍 Regional pricing
  • 🐕 Breed-specific risks
  • 📈 Age progression
🐾 Start Free Estimate

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