what insurance covers dog bites

How Much Dog Insurance Cost: Pet Coverage Explained

Did you know that insurance companies paid out $853.7 million for dog-related injuries in 2020? This shows how crucial pet insurance is for dog owners. It helps cover unexpected vet bills and liability claims. We’ll look into the average cost of dog insurance, what affects premiums, and the coverage options available.

Key Takeaways

  • The average cost of pet insurance in the U.S. is $720 a year for dogs and $384 for cats, with an overall average monthly cost of around $46 per month.
  • Pet insurance plans can include accident and illness coverage, accident-only coverage, and wellness coverage, with varying deductibles and reimbursement levels.
  • Factors like the dog’s breed, age, and location can significantly impact the cost of pet insurance premiums.
  • Homeowners and renters insurance may provide some liability coverage for dog bites, but additional pet liability insurance can offer more comprehensive protection.
  • Reviewing coverage options and comparing quotes from multiple providers can help dog owners find the most suitable and cost-effective pet insurance plan.

Average Cost of Dog Insurance

The cost of dog insurance varies a lot by state. On average, it costs about $48-$72 a month. But, it can be as low as $10 a month for basic coverage or more than $100 a month for full coverage.

Cost Data by State

Here’s a look at the average monthly premiums by state:

State Average Cost for Dogs
Alabama $47
Alaska $58
Arizona $67
Arkansas $49
California $72
Colorado $74
Connecticut $89
District of Columbia $78
Delaware $65
Florida $60
Georgia $62
Hawaii $64
Idaho $58
Illinois $68
Indiana $54
Iowa $64
Kansas $65
Kentucky $52
Louisiana $47
Maine $62
Maryland $72
Massachusetts $76
Michigan $61
Minnesota $53
Mississippi $54
Missouri $53
Montana $49
Nebraska $53
Nevada $54
New Hampshire $70
New Jersey $68
New Mexico $65
New York $71
North Carolina $63
North Dakota $48
Ohio $59
Oklahoma $56
Oregon $63
Pennsylvania $54
Rhode Island $51
South Carolina $56
South Dakota $57
Tennessee $55
Texas $56
Utah $58
Vermont $54
Virginia $60
Washington $62
West Virginia $54
Wisconsin $55
Wyoming $53

These state-level costs can help pet owners understand dog insurance options in their area.

Cost Factors for Dog Insurance

Several key factors can affect the cost of dog insurance. It’s important to know these factors to pick the right policy for your pet and your budget.

Coverage Type

The coverage you choose greatly affects your insurance costs. Comprehensive plans cover emergencies, surgeries, and more, costing more. Accident-only plans are cheaper but offer less protection.


Your dog’s breed can also change your insurance costs. Some breeds like Pit Bulls and German Shepherds might cost more due to their potential health issues. Smaller breeds are usually cheaper to insure.

The Insurance Information Institute found the average cost for a dog bite claim was $50,425 in 2020. Homeowners insurance often covers legal costs for dog bites, up to certain limits. But, some insurers might not cover high-risk breeds.

Breed Average Annual Premium
Pit Bull $800 – $1,200
Rottweiler $700 – $1,000
German Shepherd $600 – $900
Labrador Retriever $400 – $700
Yorkshire Terrier $300 – $500

Remember, these are just estimates. The actual cost of dog insurance can change based on your location, your dog’s age, and other factors. Knowing these factors helps you choose the best insurance plan for your needs and budget.

Dog Insurance Costs

Cost by Age and Breed

The cost of dog insurance changes a lot based on your dog’s age and breed. Let’s look at the average costs for different ages and breeds:

Breed 3-month-old Puppy 1-year-old Dog 2-year-old Dog 5-year-old Dog 8-year-old Dog
French bulldog $92 $109 $109 $109 $109
Chihuahua $29 $47 $47 $47 $47
Golden retriever $61 $78 $78 $78 $78
Labrador retriever $62 $79 $79 $79 $79
German shepherd $57 $77 $77 $77 $77
Yorkshire terrier $35 $51 $51 $51 $51
Shih Tzu $35 $54 $54 $54 $54
Goldendoodle $44 $61 $61 $61 $61
American pit bull terrier $58 $77 $77 $77 $77
Pitbull $59 $79 $79 $79 $79

The cost of dog insurance changes a lot with your pet’s breed and age. Bigger and more active breeds usually cost more. Smaller breeds are often less expensive. Younger dogs pay less because they need less medical care.

When picking insurance for your dog, think about these factors. Knowing how breed and age affect costs helps you choose wisely. This way, you can protect your pet without spending too much.

Cheapest Pet Insurance Providers

Finding the right pet insurance can seem hard, but we’ve made it easier for you. We looked at over 17,000 quotes from 35 providers. This helps you pick a plan that protects your pet without costing too much.

Company 3-month-old Puppy 1-year-old Medium Mixed-Breed Dog 2-year-old Golden Retriever 8-year-old Small Mixed-Breed Dog
Lemonade $54 $49 $57 $72
Spot $72 $72 $104 $124
ASPCA Pet Health Insurance $46 $46 $67 $78
Embrace $61 $59 $94 $87
Figo $14 $14 $38 $28
Pets Best $35 $33 $54 $51
Healthy Paws $37 $38 $62 $51
Trupanion $70 $116 $191 $147
Many Pets $36 $33 N/A N/A
Fetch $44 $45 $61 $86

Figo, Pets Best, and Healthy Paws are the top picks for affordable pet insurance. They offer the lowest prices for different pets. Lemonade and ASPCA Pet Health Insurance are also great for younger pets.

Remember, the cheapest option might not always be the best for your pet. You should think about coverage, deductibles, and reimbursement rates too. This way, you can find a plan that protects your pet without spending too much.

pet insurance providers comparison

We looked at over 17,000 quotes from 35 providers with help from 5 vets. We checked prices for 10 pet types, from puppies to older dogs. This helped us find the most affordable options.

“Caring for our pets’ health is a top priority, but it doesn’t have to come at a steep cost. Our findings showcase the most budget-friendly pet insurance providers, empowering pet owners to make informed decisions that prioritize their furry friends’ well-being without compromising their financial well-being.”

This guide is great for new pet owners or those looking to save on pet insurance. It helps you pick the best plan for your pet.

Average Cost of Cat Insurance

Pet insurance is key to keeping our cats safe and healthy. In the U.S., the average monthly cost for accident and illness coverage is $31.94. This coverage helps cover unexpected vet bills, from routine visits to serious treatments.

The cost of insuring a cat can change a lot based on breed, age, and where you live. For example, a Ragdoll cat might cost about $27 a month. A Maine Coon could be up to $31. Adding wellness coverage can raise the monthly cost by $12 to $15 on average.

Cat Breed Average Cost Cost With Wellness Coverage
Ragdoll $27 $43
Maine coon $31 $46
Devon rex $29 $43
Exotic shorthair $30 $44
Persian $31 $45
British shorthair $31 $46
Abyssinian $30 $44
Scottish fold $30 $45
Sphynx $31 $46

Other factors like the cat’s age, location, and coverage levels also affect insurance costs. It’s smart to look at different policies from trusted providers. This way, you can find the best and most affordable option for your cat.

“Embracing the unexpected with pet insurance can provide peace of mind and financial protection for our beloved cats.”

what insurance covers dog bites

Pet insurance can cover dog bite incidents, offering financial help for medical costs. Most pet insurance plans include coverage for bite-related treatments and liability claims. This means owners can get help with vet bills and legal fees if needed.

When a dog bites someone, medical bills can be high. Pet insurance can reduce these costs. This lets owners focus on their pet’s recovery without worrying about money. Some policies also cover legal fees and claims if the dog’s owner is to blame.

The coverage for dog bites can vary. It depends on the dog’s breed, the injury’s severity, and the policy details. Owners should check their insurance to know what’s covered and what’s not.

Coverage for Dog Bite Incidents

Typical pet insurance for dog bites covers:

  • Medical bills for the injured person, like ER visits, surgeries, and ongoing care
  • Legal fees to protect the dog owner from lawsuits
  • Training or therapy for the dog to prevent future aggression
  • Costs for euthanasia and cremation if the dog is too dangerous

Insurance might not cover pre-existing issues or aggressive behavior in dogs.

dog bites

By getting comprehensive pet insurance, dog owners can rest easy knowing they’re covered for dog bites. This coverage helps with unexpected vet bills and legal costs. It makes dealing with a bite easier and focuses on the well-being of everyone involved.

Cost of Veterinary Care

Veterinary care is key for pet owners, but it can be pricey. Costs vary by the type of care, location, and pet needs. Knowing what veterinary care costs can help owners budget for vet bills.

Routine checkups are a common visit. They usually cost about $50 and cover a physical exam, shots, and preventive care. But, emergencies or special treatments can cost a lot more.

  • Emergency vet visits can be $800 to $1,500 or more, based on the issue and treatment needed.
  • Surgeries like orthopedic or cancer treatment can be over $1,500.

The cost of vet care also depends on where you live and your pet’s needs. In cities, vet costs might be higher than in rural areas. Some dog and cat breeds may need more vet care, leading to higher bills.

Veterinary Service Typical Cost
Routine Annual Checkup $50
Emergency Visit $800 – $1,500+
Surgical Procedure $1,500+

Pet insurance can help with unexpected vet bills. It covers many medical treatments, lowering costs for owners. By knowing vet costs and looking into insurance, owners can better handle their pet’s care costs.

Factors Impacting Pet Insurance Prices

Pet insurance costs can change a lot based on several important factors. Knowing these can help pet owners make better choices. They can find the best coverage for their pets.


Where you live can affect how much pet insurance costs. In big cities, insurance is usually pricier because vet care is more expensive. This is because of the higher costs for medical services, equipment, and staff.

Deductible and Reimbursement Rate

The deductible and reimbursement rate you pick also change the cost. Policies with lower deductibles and higher reimbursement rates cost more each month. This is because the insurance company covers more of the vet bills. On the other hand, plans with higher deductibles and lower reimbursement rates are cheaper. But, you might pay more out of pocket for vet care.

It’s key for pet owners to think about their budget and what coverage they need. Finding the right balance between deductible, reimbursement rate, and monthly payments is important. This way, they can protect their pet’s health without breaking the bank.

Pet insurance factors

In short, many factors affect the cost of pet insurance, like where you live, your pet’s breed and age, and the coverage you pick. By understanding these, pet owners can make smart choices. They can find a pet insurance plan that fits their budget and covers their pet’s needs.

When to Enroll Your Pet

Enrolling your pet in insurance is a smart move, but timing is key. Experts say the best time is when they are young and healthy. This ensures they get coverage for any future health issues.

Signing up early is a good idea. Young pets usually pay less for insurance because they’re less likely to have health problems. This way, you lock in a lower rate and cover unexpected vet bills.

Most pet insurance plans start at 8 weeks old. There’s no end age, but older pets might face higher costs or restrictions. Looking at different options and enrolling early gets you the best coverage at a good price.

“Most pet owners spend $3,500 or more for emergency vet visits. Pet insurance can ease the cost of high vet bills, especially for expensive treatments like cancer therapy.”

Deciding when to insure your pet depends on their age, health, and your finances. Taking steps to protect your pet means they get the best care and you can relax.

Factors to Consider

Think about these key points when choosing when to insure your pet:

  • Your pet’s age and health
  • The coverage you need (accident-only, comprehensive, or wellness)
  • The deductible and reimbursement rates
  • Your budget and what you can afford monthly
  • Any pre-existing conditions your pet has

By looking at these factors and comparing plans, you can pick the right insurance for your pet and your wallet.

Customizing Your Pet Insurance Plan

Customizing your pet insurance is crucial. You can adjust the annual limit, choose the deductible, and select a reimbursement rate. This flexibility lets you tailor your plan to fit your needs and budget. Knowing how to customize can help you pick the best policy for your pet.

Adjusting the Annual Limit

Choosing the right annual limit is a key part of customizing your pet insurance. You can pick plans with limits from $5,000 to unlimited coverage. Higher limits mean more protection but also higher premiums. Think about your pet’s health needs and your budget to pick the right limit.

Selecting the Deductible and Reimbursement Rate

Customizing your plan also means picking the deductible and reimbursement rate. The deductible is what you pay first before insurance covers costs. The reimbursement rate is how much insurance covers eligible expenses. Plans with higher deductibles cost less each month but increase your out-of-pocket costs. Lower deductibles mean higher monthly payments but less cost during vet visits. Think about your budget and how much risk you can handle to find the right balance.

Being able to customize your pet insurance lets you find the best coverage for your needs. Whether you want full protection or want to save money, adjusting the annual limit, deductible, and reimbursement rate can help. Check out The Swiftest’s pet insurance comparison tool to see your options.

pet insurance customization

“Customizing your pet insurance plan is essential to ensuring your furry friend receives the care they need while managing your financial obligations.”

Understanding the customization options lets pet owners create a policy that balances coverage and cost. This way, you can focus on your pet’s health without worrying about costs.


The world of pet insurance is complex, with many factors affecting costs and coverage. Pet owners face challenges due to rising dog bite claims and the growing number of pets. They must navigate this complex landscape to protect their pets.

Whether you have a Labrador Retriever or a Rottweiler, knowing about insurance coverage and exclusions is key. Keeping up with the latest trends and industry changes helps pet owners make smart choices. This ensures they get the right protection for their pets.

The insurance industry is always changing. Pet owners should check their policies often, think about umbrella coverage, and look into the American Kennel Club’s Canine Good Citizen Program. By managing their pet’s insurance needs well, pet owners can give their pets the best care. They can also reduce the financial risks of unexpected events.


What insurance covers dog bites?

Homeowners and renters insurance usually cover dog bite claims. These policies pay for medical and legal costs if your dog bites someone.

What is dog bite liability insurance?

This insurance covers dog owners if their dog bites someone. It pays for medical bills, legal fees, and other costs.

Does homeowners insurance cover dog bites?

Yes, most homeowners policies cover dog bites and incidents. They help pay for medical and legal costs if your dog bites someone.

Does renters insurance cover dog bite coverage?

Yes, renters insurance often includes liability for dog bites. It protects you financially if you’re a renter and your dog bites someone.

What are the typical costs of dog bite injury claims?

Dog bite claims average about ,760, says the Insurance Information Institute. This includes medical bills, lost wages, and legal fees.

Can dog owners be sued for dog bites?

Yes, owners can be sued for dog bites. In many places, owners are liable for injuries their dog causes, even if it was the dog’s first time.

What is dog owners insurance?

This insurance covers dog owners for their dog’s actions, like bites and attacks. It helps with the costs of incidents.

How much do dog bite medical expenses cost?

Emergency room visits for dog bites average about 0, says the CDC.

What types of insurance are available for aggressive dogs?

Some insurers offer policies for aggressive or risky breeds. These policies cover liability and injuries or damages caused by the dog.

How can dog bite incidents be prevented?

Prevention involves training, socializing, and responsible ownership. Keeping your dog well-behaved and being careful with others lowers the risk of bites.

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