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).
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. Monthly equivalents are also published by NAPHIA (e.g., A&I dogs ~$62.44/mo).
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.