This is the average cost of pet insurance for a dog by age

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View average pet insurance premiums by age.


Main points

  • More pet owners have taken out pet insurance for their dogs, which can cover the costs of veterinary care and emergency surgeries.
  • Premiums vary based on your location, the type of policy you choose, the breed and age of your dog, and much more.
  • Average monthly premiums for puppies and 1.5-year-old dogs are $40 and for 5.5-year-old dogs are close to $50.

About 70% of American households in the US have a pet. Dogs are the most common pets with 69 million owning at least one dog. Since 1988, pet ownership has increased by 25% and spending on our pets has quadrupled to $109 billion. This includes pet insurance. Pet insurance is an insurance policy that helps offset veterinary bills if your dog gets sick or injured.

Emergency treatment for your dog can be expensive, with the average cost of emergency veterinary surgery for dogs ranging from $1,500 to $5,000. More dog owners have taken out pet insurance as the cost of veterinary care has increased as our dogs now live longer. Pet insurance can help manage preventative care, pay for illness treatment and cover emergency veterinary costs for their pets. Pet insurance premiums are based on your dog’s breed, age, location and more. Here is the average cost of pet insurance by age.

How much does pet insurance cost for dogs?

There are two main types of dog insurance coverage that pet insurance companies offer: Accident and Illness (A&I) coverage and Accident Only (AO) coverage. A&I policies, also known as ‘comprehensive policies’, cover accidents plus minor and major illnesses such as cancer, infection and digestive problems. AO policies only cover accidents such as motor vehicle accidents, ingestion of foreign bodies, lacerations, poisoning and ligament tears. Here are the average costs for each type of policy.

Average accident and sickness premiums

  • Annual: $594.15
  • Monthly: $49.51

Accident-Average premiums only

  • Annual: $218.13
  • Monthly: $18.17

The average monthly premium cost for dogs varies widely based on various factors. Premiums can be as high as $61.29 in California and as high as $33.97 in Wyoming. The age of your dog is also a big factor in determining the cost.

Cost of pet insurance by age

Pet insurance costs are usually higher for older dogs, as they are more likely to need expensive veterinary care. Premiums are usually the lowest for younger dogs as they tend to be healthier.

  • Average premium for a 6-month-old puppy: $39.39
  • Average premium for 18-month-old dog: $39.34
  • Average premium for 5.5-year-old dog: $48.89

Average premiums for a 5.5-year-old dog can be as high as $70.76 in California and as high as $39.10 in Wyoming. Pet insurance premiums are also based on the type of coverage you choose, your deductible and the breed of your dog. Premiums for larger dogs like Rottweilers and Great Danes can be almost double that of smaller dogs like Shiba Inus and Shih Tzus. Larger breeds tend to have more problems with their joints, ligaments and bones due to their weight. Some other breeds like Bulldogs are more expensive to insure because they are prone to more health problems.

Since many of us consider our pets to be family, getting a pet insurance policy can give us peace of mind, especially as our dogs get older. Hospitalization can cost $800 to $1,500 per night, and a trip to the emergency room for a dog would cost $600 in average annual premiums. The best pet insurance can save you thousands of dollars a year on emergency treatment and prescription medication.

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