Pet Insurance 2025 Pricing
A complete guide to pet insurance pricing.
4/27/20252 min read
Pet insurance is becoming more essential for responsible pet owners. But how much does it really cost? In this guide, we break down the average cost of pet insurance in 2025, compare different providers, and highlight the factors that affect premiums. Whether you own a dog or a cat, we’ll help you understand what you can expect to pay and how to save on your pet insurance.
Average Monthly Premiums by Company (2025)
Here's a comparison of average monthly premiums from various pet insurance providers:
Average Monthly Premiums by Company (2025)
Company: Lemonade (link to 7 top pet insurance companies)
Dogs (Monthly): $26
Cats (Monthly): $15
Notes: Known for affordable rates and user-friendly digital experience.
Company: Figo (link to 7 top pet insurance companies)
Dogs (Monthly): $41
Cats (Monthly): $28
Notes: Provides flexible plans with full reimbursement options.
Company: Healthy Paws
Dogs (Monthly): $45
Cats (Monthly): $29
Notes: Offers comprehensive coverage with no annual or lifetime caps.
Company: Embrace (link to 7 top pet insurance companies)
Dogs (Monthly): $50
Cats (Monthly): $30
Notes: Includes wellness rewards and diminishing deductibles.
Company: Nationwide
Dogs (Monthly): $72
Cats (Monthly): $42
Notes: Offers a range of plans, including exotic pet coverage.
Company: Odie (link to 7 top pet insurance companies)
Dogs (Monthly): $24
Cats (Monthly): $15
Notes: Affordable and customizable plans with optional wellness add-ons.
Company: Trupanion (link to 7 top pet insurance companies)
Dogs (Monthly): $120
Cats (Monthly): $63
Notes: Known for high coverage limits and direct vet payments.
Company: Wagmo
Dogs (Monthly): $13–$20
Cats (Monthly): $9–$15
Notes: Offers comprehensive coverage with up to 100% reimbursement.
Note: Premiums are based on accident and illness coverage with a $500 deductible and 80% reimbursement rate. Costs will vary by location and your pet's age and breed.
Factors Influencing Pet Insurance Costs
Several factors can affect your pet insurance premiums:
Species: Dogs typically have higher premiums than cats.
Breed: Certain breeds are prone to specific health issues, influencing rates.
Age: Older pets usually cost more to insure due to increased health risks.
Location: Veterinary costs vary by region, affecting insurance prices.
Coverage Level: Plans with higher coverage limits or lower deductibles cost more.
Is Pet Insurance Worth It?
With veterinary costs rising—some treatments reaching thousands of dollars—pet insurance can provide financial peace of mind. It helps ensure that you can afford necessary care without significant financial strain.
Sources