Dog insurance cost calculator

Pick breed, ZIP, age and plan. Get an estimated monthly range from our pricing model and see how each insurer tends to price it.

Breed

ZIP code

Age

Reimbursement

Deductible

No ZIP? Pick a state instead

State

Reimbursement. The share of an eligible vet bill the insurer pays back after your deductible. At 80%, a $1,000 covered bill returns $800. More in the glossaryDeductible. What you pay yourself before the insurer starts paying. Most reset every policy year; some insurers charge it once per condition. More in the glossary

Model updated Sep 2026 · No phone calls · Independent · How we estimate

What you get

A monthly range for your dogLow, typical and high estimates for your breed, age, ZIP and plan.
Every insurer, sorted by priceEach insurer's estimate for the same dog and plan, with its waiting periods and limits.
What your breed claims forThe conditions your breed is known for and what they cost to treat, on its breed page.

Example: a 2-year-old dog in ZIP 90012 with 80% reimbursement and a $250 deductible.