Pet Insurance Cost Estimator

Pet type

Number of pets 1

Project over years 1

Average annual premium $0

Average monthly $0

Projected total over selected years $0

Based on NAPHIA's 2026 State of the Industry report (2025 data) national average premiums (accident & illness) ($836/year for dogs, $435/year for cats). This is a ballpark national average, not a quote — actual premiums vary widely by breed, age, location, and coverage level.

See the national average pet insurance premium for dogs ($836/year) and cats ($435/year), based on NAPHIA's 2026 State of the Industry report (2025 data), and project your cost over multiple pets and multiple years. This is a ballpark national average, not a quote — actual premiums vary widely by breed, age, and location.

This tool is for informational purposes only and is not a substitute for professional financial or medical advice. Consult a qualified professional before making decisions. See our Disclaimer.

How it works

Choose dog or cat, and how many pets you're insuring
Adjust the years slider to project your total cost over time
See the NAPHIA national average annual/monthly premium and your projected total — remember this is a ballpark, not a real quote

Frequently asked questions

Is this my actual insurance quote?

No. This shows NAPHIA's national average premium. Real quotes depend heavily on your pet's breed, age, location, and the coverage level you choose — get an actual quote from an insurer for your specific pet.

Why do different sources show different average costs?

Different research firms define coverage differently (accident-and-illness vs. accident-only) and survey different customer pools, so national averages can vary by source. We use NAPHIA's industry association data as our baseline.

Why is dog insurance more expensive than cat insurance?

Dogs generally visit the vet more often and can require more expensive treatments than cats, which pushes average premiums higher.

Are premiums going up over time?

Pet insurance premiums have generally trended upward in recent years, partly reflecting rising veterinary care costs — but we can't confirm an exact year-over-year percentage from a single reliable source, so we don't state one here.

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From the blog

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What pet insurance actually costs in 2026: dogs vs cats, by the numbers

NAPHIA's 2025 industry data puts average dog insurance at $836/year and cat insurance at $435/year. Here's what that means for your household — and why it's a ballpark, not a quote.

2026-09-27

Update history

2026-10-03 Added links to related tools.
2026-10-03 Corrected the source label: the $836 dog / $435 cat averages come from NAPHIA's 2026 State of the Industry report (2025 data), not a 2025 report.
2026-09-27 Launched: shows NAPHIA's 2025 State of the Industry average pet insurance premiums ($836/yr dogs, $435/yr cats) with a clear disclaimer that real premiums vary widely by breed, age, and location — not a quote.