Pet Insurance Compare
Once you've answered a few questions, Pet Insurance Compare shows the plans that suit your dog or cat, plus a monthly price range. Signing up isn't required.
Answer the three questions to see the plans that take your pet.
| Pet | Monthly range |
|---|---|
| Dog, under 1 year | $35 to $63 |
| Dog, 1 to 4 years | $36 to $64 |
| Dog, 5 to 7 years | $49 to $87 |
| Dog, 8 years or older | $76 to $135 |
| Cat, under 1 year | $16 to $30 |
| Cat, 1 to 5 years | $19 to $33 |
| Cat, 6 to 10 years | $25 to $43 |
| Cat, 11 years or older | $45 to $79 |
If JavaScript is off, the pet insurance comparison table lists plans for every pet.
- For dogs, the average monthly premium for accident and illness coverage was $70 in 2025.
- For cats, the average monthly premium for accident and illness coverage was $36 in 2025.
- The comparison covers 29 insurers.
Sources: How Much Is Pet Insurance? (NerdWallet) (2025 average premiums courtesy of NAPHIA, table), plus Is pet insurance worth it? (AAHA Trends) (citing NAPHIA 2026 report).
Based on NAPHIA industry data, a dog costs $70 per month on average for accident-and-illness coverage in the U.S., while a cat costs $36. Across North America, 7.6 million pets are covered, and that includes 5.99% of U.S. dogs, 2.29% of U.S. cats, plus 4.27% of U.S. pets overall.
Average monthly cost of pet insurance
For each plan type, NAPHIA and Willis Towers Watson provide the weighted U.S. average amount paid per insured pet. Standard plans covering accidents and illness average $836 per year for dogs, while cats average $435. For dogs, accident-only policies average $16 each month ($190 yearly). For cats, the monthly average is $9 ($112 yearly). For wellness plans, monthly averages are $118 and $72. See dog insurance or cat insurance for details on each species.
Pet insurance comparison: every plan side by side
First, tell us whether it's a dog or cat, then give the age and breed (or say you aren't sure). Right away you'll see matching policies along with a monthly price range, and you can send a plan request whenever you're ready. Look at each option in our plan comparison table.
What pet insurance costs
The monthly rate for your pet varies by species, age, breed, and ZIP code. Before your plan begins paying, you cover vet bills up to the deductible amount, which you also set. Your reimbursement also affects your price. It's the share of covered vet bills that the insurer pays back. See what changes your monthly cost. Also check whether coverage is worth it.
Pet insurance companies we compare
You don't need to check each company separately, because we track 29 insurers throughout the U.S. Read the individual breakdowns for major carriers such as Lemonade, Trupanion, and Nationwide. Take a look at the full list of companies we compare.
Pet insurance rules in your state
In 17 states across the country, each state has its own laws, and those laws set clear rules covering the policies sold to residents. Certain states, such as California, Florida, and Washington, have specific laws that apply. Look up your state in our coverage by state directory, which lists all 51 profiles (50 states and DC).
Request prices for plans covering your pet
We do not sell insurance, quote policies, or bind coverage; your request is sent to an insurance agency.