How much does pet insurance cost for a dog?

Pet insuranceBuying a policyChecked Nov 6, 2026

From K.Actuary, founded by Sangmin Kwon, ASA · sources checked 2026-11-06 · Source: Texas Department of Insurance · 5 questions to ask when buying pet insurance · What does it cost? View original ↗

In short

The price depends on your pet and how much cover you pick.
Texas says plans run from under $10 to about $100 a month.
Ask for quotes from a few insurers and compare the details.

What this means

Pet insurance prices are not the same for everyone. Texas says the price depends on the type of pet and the level of coverage. It says plans can range from less than $10 a month to as much as $100 a month [1].

Washington State says your premium is based on the age and breed of your pet, and on the amount and type of coverage you choose [2]. Maryland adds that the price also depends on the insurer and on the deductible you pick [3]. A plan that covers more costs more [3].

These pages do not give a price for one named insurer or for your dog. For that, get a quote from each company you are looking at. Ask about the deductible, the yearly limit, and what is not covered, so the quotes are truly alike.

Your next step

Get quotes from at least two or three insurers for your pet's age and breed. Put the deductible, yearly limit and exclusions side by side. The sources give no deadline.

Check it yourself

Open each insurer's quote page and read the policy sample before you pay. The cited state pages do not list a price for one insurer, one breed or one age — "Don't know yet".

Where this comes from (3)

[1] Texas Department of Insurance · 5 questions to ask when buying pet insurance · What does it cost? · checked 2026-11-06
Pet insurance prices vary depending on the type of pet and the level of coverage so shop around. Plans can range from less than $10 a month to as much as $100 a month.
[2] Washington State Office of the Insurance Commissioner · Pet insurance · Compare policy costs and limits · checked 2026-11-06
Ask what premiums will be based on the age and breed of your pet, and the amount and type of coverage you choose.
[3] Maryland Insurance Administration · Pet Insurance · checked 2026-11-06
The premium for coverage will vary depending on the insurer, type of pet (dog, cat, etc.), breed of pet, the level of coverage and policy deductible selected.

How we found this

We matched your question to 3 official sources, quoted the exact lines, and re-checked each quote against its source on 2026-11-06.

What we don’t know yet

Your own plan or notice may say something different. If your letter cites another rule, send it and we will look again.

Every answer is checked against the official rule it quotes.

Information only — not legal advice. Your plan, insurer or agency decides.

This answer quotes the official sources listed above, with the date we checked them. Your own policy, notice and state rules control. We are not your lawyer or your insurer. We don’t file, argue or negotiate claims for you — you send any letter or form yourself.

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