Pet insurance cost
Market averages — not a quote. Cross-check ownership budgets on our pet cost calculator (its optional insurance line uses ASPCA table defaults; these NAPHIA figures are the industry context for “typical” premiums).
What pet insurance costs
[2024] U.S. weighted averages, NAPHIA State of the Industry 2025
- Dogs: AO $193.29/yr–A&I $749.29/yr ≈ $16–62/mo
- Cats: AO $110.03/yr–A&I $386.47/yr ≈ $9–32/mo
Actual premiums vary by age, breed, ZIP, and plan options; averages are not quotes.
Source: NAPHIA SOI 2025 highlights PDF · NAPHIA industry data hub
2024 industry average, NAPHIA (U.S.)
| Product | Dogs (annual) | Cats (annual) |
|---|---|---|
| Accident & Illness | $749.29 | $386.47 |
| Accident only | $193.29 | $110.03 |
| With embedded wellness | $1,321.33 | $651.30 |
Figures are 2024 industry averages, NAPHIA (weighted), from the public SOI 2025 highlights Section 4. Monthly equivalents below are annual ÷ 12 (not a separate PDF column): dogs AO $16.11/mo–A&I $62.44/mo; cats AO $9.17/mo–A&I $32.21/mo.
Actual premiums vary by age, breed, ZIP, and plan options; averages are not quotes.
What moves your premium
NAIC notes monthly cost depends on variables including species, breed, gender, age, location, and coverages/deductible chosen. Insurer footers (e.g., Pets Best) similarly list age, species/breed, and home address as premium drivers. Higher reimbursement %, lower deductibles, and younger pets typically cost more — verify on a carrier quote, not this page.