This is the average cost of pet insurance per dog by age

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See average pet insurance premiums by age.


Key points

  • More and more pet owners are getting pet insurance for their dogs, which can cover the cost 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 more.
  • Average monthly premiums for puppies and 1.5-year-old dogs are $40, and for 5.5-year-old dogs, they are close to $50.

About 70% of American households in the US own a pet. Dogs are the most common pet, with 69 million owning at least one dog. Since 1988, pet ownership has increased 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 between $1,500 and $5,000. More dog owners are getting 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 expenses 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 is pet insurance for dogs?

There are two main types of dog insurance 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, infections and digestive problems. AO policies only cover accidents such as car accidents, foreign body ingestion, lacerations, poisoning and lacerations. Here are the average costs for each type of policy.

Average accident and sickness premiums

  • Annually: $594.15
  • Monthly: $49.51

Average accident only premiums

  • Annually: $218.13
  • Monthly: $18.17

The average monthly premium for dogs varies widely depending 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 price.

Pet insurance costs by age

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

  • Average premium for a 6-month-old puppy: $39.39
  • Average premium for an 18-month-old dog: $39.34
  • Average premium for a 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 such as Rottweilers and Great Danes can be almost double those of smaller dogs such as Shiba Inu and Shih Tzu. 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. Hospitalizations can cost anywhere from $800 to $1,500 a night, and a trip to the emergency room for a dog would cost $600 in an average annual premium. The best pet insurance can save you thousands of dollars a year on emergency treatment and prescription drugs.

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