Pawsured

Pet Insurance Cost by Breed

Breed is the single biggest factor in what you'll pay. Breeds prone to expensive hereditary conditions cost more to insure, because they're more likely to claim. Find your breed below to see its typical risk tier, an estimated monthly premium range, the conditions insurers watch for, and a full guide.

Ranges are rough, illustrative figures for an adult pet on mid-level coverage in the US, to compare breeds, not quotes. Your real price also depends on age, location, and your deductible, reimbursement rate, and limit.

Why breed moves the price so much

Insurers price on claim risk. A breed prone to costly, common problems, hip dysplasia, breathing surgery, cancer, spinal disease, is statistically more likely to generate a big bill, so the premium reflects that. It also means insurance tends to be more worthwhile for higher-risk breeds, provided you enroll young, before those breed conditions appear and get excluded as pre-existing.

For a personalized monthly estimate, use the cost calculator. To see what a claim would pay back, try the reimbursement calculator. New to all this? Start with how much pet insurance costs.