How Much is Pet Insurance a Month 2023

When considering “How Much is Pet Insurance a Month” there is no standard average cost for pet insurance.

Monthly cost for pet insurance depends on a variety of factors which include type of pet, age (Older pets will always be more expensive than a younger ones), breed (Breeds with a higher risk of certain health conditions will cost more to insure each month) and location.

How Much is Pet Insurance a Month

According to Forbes advisor the average pet insurance cost for dogs is $44 per month and the average pet insurance cost for cats is $30 per month, based on Forbes Advisor’s analysis. Below data is from Forbes advisor:

How Much Is Pet Insurance for Dogs?

Pet insurance costs an average of $44 per month for a dog for $5,000 of annual coverage. The average pet insurance cost for a dog is $56 per month for a policy with unlimited annual coverage. Dog owners can expect to pay anywhere from $27 to $66 per month for pet insurance, depending on the dog’s age, the amount of coverage and the insurance company.

How Much Is Pet Insurance for Cats?

Pet insurance costs an average of $47 per month for a cat for a policy with unlimited annual coverage. The insurer and age of the cat influences how much you will pay. Cat owners can expect to pay anywhere from $21 to $125 per month for pet insurance, depending on the cat’s age, the amount of coverage and the insurance company.

READ: What Is Pet Insurance

How Pet Insurance Work

Once you sign up for pet insurance, coverage will start once the waiting period has passed. Depending on the provider, this waiting period can range from two days to two weeks. Keep in mind that the treatment won’t be covered if your pet gets sick or injured while you’re away.

Once the waiting period passes, you can bring your pet in for treatment at any licensed veterinarian. You will pay for the treatment, file a claim, and then get reimbursed by your provider.

The amount your pet insurance company will reimburse you will depend on the reimbursement rate you choose. Generally, the higher the reimbursement rate, the higher the monthly premium.

Common Cover/Non-cover For Pet Insurance?

Here are some common cover available under pet insurance: 

  • Accidents and injuries (broken bones, toxic ingestions, bite wounds, etc.)
  • Diagnostic testing (MRIs, X-rays, CAT scans, bloodwork, etc.)
  • Major and minor illnesses (cancer, epilepsy, allergies, ear infections, etc.)
  • Prescription medication
  • Surgical procedures

Areas not covered under pet insurance:

  • Preexisting conditions, including any illness or health issue your pet had before enrollment in coverage
  • Illnesses or injuries that came about during your plan’s waiting period
  • Preventative care (unless explicitly covered or you enroll in a wellness add-on plan)
  • Cosmetic procedures
  • Elective procedures
  • Pregnancy/breeding
  • Grooming

Compare prices for pet insurance

Below we will drop a link where you can use to access the cost of your pet insurance. Follow the link below to check:

Check the cost for your pet monthly insurance here

READ: Is Pet Insurance Tax Deductible?

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