How much is pet insurance for a dog?
$190–$836 a year
NAPHIA's 2025 US averages were $836 a year for a dog accident and illness plan and $190 for accident-only coverage.
Last updated: October 2026 · US prices · 2 sources · see sources
The breakdown
| Item | Typical US price |
|---|---|
| Accident & illness plan, dog (US avg 2025) | $836/year [1] |
| Accident-only plan, dog | $190/year [1] |
| Plan with embedded wellness, dog | $1,414/year [1] |
| ASPCA planning figure, dog (2021) | $516/year [2] |
Figures come from the sources below and each measures something slightly different (published prices, owner bills or planning budgets). Your vet's or provider's estimate is what counts.
It depends on
- Plan type and deductible
- Your dog's age and breed
- Wellness add-ons
Related cost guides
Costs near you and by breed
Common questions
How much is pet insurance for a dog?
$190–$836 a year. NAPHIA's 2025 US averages were $836 a year for a dog accident and illness plan and $190 for accident-only coverage.
What affects the cost of pet insurance for a dog?
It depends on: plan type and deductible; your dog's age and breed; wellness add-ons.
What is the typical price for: Accident & illness plan, dog (US avg 2025)?
$836/year.
What is the typical price for: Accident-only plan, dog?
$190/year.
What is the typical price for: Plan with embedded wellness, dog?
$1,414/year.
Sources (2) — tap to show
More answers: all pet cost questions · cost calculator