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How much should you pay for pet insurance?

Pet insurance costs depend on multiple factors. Manuel De Los Reyes Rubio/EyeE

When it comes to pet ownership, there's no question that providing your furry companion with the care they need can be an expensive endeavor. From vet visits and medications to food and toys, the cost of keeping a pet happy and healthy can add up quickly.

One of the best ways to ensure your pet receives the best possible care is by purchasing pet insurance. Pet insurance reimburses you up to 90% for a wide range of covered issues. But how much should you pay for it? In this article, we'll help you determine how much you might expect to pay to get coverage for your dog or cat.

To get a customized price quote for your pet, just insert some basic information here now.

How much should you pay for pet insurance?

The cost will be based on a series of factors. Take these into account when trying to determine if you're paying the right amount.


Younger pets are almost always cheaper to insure because they pose less of a financial risk to the insurer, which is reflected in your monthly premium. So if you're paying $50 a month for a 5-year-old dog, expect to pay less for a puppy or a 1-year-old, all other factors being even. Check prices with pet insurer Lemonade here now.


What are you getting pet insurance for? This is an important question to ask yourself because it will inform the type of policy you get and, thus, what you pay.

In short: If you want (or need) more robust pet insurance protections, expect to pay more than if you just secure an accident-only policy for broken bones and swallowed items.


Medical care for humans is often more expensive in some ZIP codes and areas of the country than it is in others. The same applies to pet insurance. If you live in New York or Miami, for example, you may pay more than you would if you lived in a less-expensive part of the country.

Not sure what you'd have to pay? Get a free pet insurance quote in 30 seconds here now.


Some dog and cat breeds have more medical issues than others. That doesn't mean you won't be able to insure them. Just understand that you'll typically pay more for a Newfoundland dog, known for its hip dysplasia issues, than you would for a Goldendoodle. And even though cats are generally cheaper to insure than dogs, they also have a wide range of prices based on breed and type.

The bottom line

Personal financial considerations are just that - personal. So how much one person "should" pay for pet insurance is relative. By taking the above factors into consideration, you can be better informed and prepared. This will help you build a cost-effective and valuable plan for your beloved pet.

Get a free pet insurance quote here now and learn more!

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