Dog Insurance Cost Per Month Wondering how much dog insurance costs per month in 2025? You’re not alone. As more pet owners choose to protect their dogs with insurance, understanding the true monthly cost—and what affects it—has never been more important. This guide gives you a full breakdown of average costs, by breed, plan type, and provider.
Dog Insurance Cost Per Month: Full Breakdown by Breed & Plan (2025)
Average Monthly Cost of Dog Insurance in 2025
Dog Insurance Cost Per Month The average monthly premium for dog insurance in the U.S. is:
- $20–$35/month for accident-only plans
- $35–$70/month for accident + illness plans
- $60–$100/month for comprehensive coverage (including wellness)
Prices can vary widely depending on your dog’s breed, age, health, and location.
Related: Ultimate Guide to Dog Insurance
Cost by Dog Breed
Dog Insurance Cost Per Month Some breeds are more prone to genetic health issues, which raises their premiums:
| Dog Breed | Average Monthly Premium (Accident + Illness) |
|---|---|
| French Bulldog | $80–$110/month |
| Golden Retriever | $55–$85/month |
| German Shepherd | $60–$90/month |
| Labrador Retriever | $45–$75/month |
| Mixed Breed (Medium) | $35–$60/month |
| Chihuahua | $30–$55/month |
💡 Tip: Mixed breeds usually cost less to insure due to lower hereditary risk.
Cost by Plan Type
| Plan Type | What It Covers | Cost Range |
|---|---|---|
| Accident-Only | Injuries, bites, broken bones | $15–$35/month |
| Accident + Illness | Adds illnesses, infections, cancer | $35–$70/month |
| Comprehensive | Adds wellness exams, dental, vaccines | $60–$100/month |
🐾 Learn more: What Does Dog Insurance Cover?
Factors That Affect Monthly Premiums
- Breed: Some breeds are more prone to illness
- Age: Older dogs cost more to insure
- Location: Urban areas tend to have higher vet costs
- Plan Type: More coverage = higher cost
- Deductible & Reimbursement Rate: Lower deductible = higher premium
Example: A 1-year-old mixed breed in a small town may pay $30/month. An 8-year-old French Bulldog in NYC may pay $110/month.
Real Provider Examples (2025 Quotes)
| Insurance Provider | Sample Monthly Rate (Adult Lab, CA) | Notes |
|---|---|---|
| Embrace | $45/month | Customizable plans |
| Healthy Paws | $55/month | Unlimited coverage |
| Spot | $48/month | Wellness add-ons |
| ASPCA | $50/month | Multi-pet discount |
Use our comparison tool to find the best price for your dog.
FAQs
Q: Is dog insurance worth the monthly cost?
A: Yes—especially if your dog needs emergency care, surgery, or treatment for chronic illness.
Q: Can I reduce my monthly premium?
A: Yes. Choose a higher deductible or accident-only plan, or remove wellness coverage.
Q: Do prices go up as my dog gets older?
A: Usually. Some providers also increase rates based on past claims.
💡 Tip: Use our Dog Insurance Cost Calculator to estimate your monthly premiums based on breed and location.
Final Thoughts: Plan Ahead for Long-Term Value
Dog insurance can cost as little as $0.50 to $3.00 per day. When you compare that to the thousands of dollars a single emergency vet visit can cost, it’s often well worth the monthly price. Compare carefully and choose a plan that balances protection and affordability.
📢 Helpful Links:
➡️ Dog Insurance Comparison Tool
➡️ Guide: What Dog Insurance Covers
➡️ How to Choose the Right Plan
📷 Image Suggestions:
- Bar chart: cost by breed
- Price comparison table between providers
- Infographic: “Factors that affect dog insurance cost”
