How much is pet insurance per month?
About $36–$70 a month
NAPHIA's 2025 averages for accident and illness plans were $836 a year for dogs and $435 for cats, about $70 and $36 a month.
Last updated: October 2026 · US prices · 1 source · see sources
The breakdown
| Item | Typical US price |
|---|---|
| Accident & illness plan, dog (US avg 2025) | $836/year [1] |
| Accident & illness plan, cat (US avg 2025) | $435/year [1] |
| Accident-only plan, dog | $190/year [1] |
| Accident-only plan, cat | $112/year [1] |
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
- Dog vs. cat
- Accident-only vs. accident and illness plan
- Your pet's age and breed
- Deductible and reimbursement level
Related cost guides
Costs near you and by breed
Common questions
How much is pet insurance per month?
About $36–$70 a month. NAPHIA's 2025 averages for accident and illness plans were $836 a year for dogs and $435 for cats, about $70 and $36 a month.
What affects the cost of pet insurance per month?
It depends on: dog vs. cat; accident-only vs. accident and illness plan; your pet's age and breed; deductible and reimbursement level.
What is the typical price for: Accident & illness plan, dog (US avg 2025)?
$836/year.
What is the typical price for: Accident & illness plan, cat (US avg 2025)?
$435/year.
What is the typical price for: Accident-only plan, dog?
$190/year.
Sources (1) — tap to show
More answers: all pet cost questions · cost calculator