Pet Insurance Cost by Dog Breed

Average across all breeds: about $0/month. But that number hides a big range. A Chihuahua runs $20/month. A Bulldog can hit $100/month. Breed matters more than anything else when insurers set your price.

Cheapest Breeds

$20-$35/mo

Average

~$0/mo

Most Expensive

$80-$100+/mo

0 Breeds Ranked by Insurance Cost

Sorted most expensive first. Click any breed for the full breakdown.

What Makes One Breed Cost More to Insure?

Breed-specific health conditions. This is the biggest factor. French Bulldogs and Bulldogs cost 2-3x more than Beagles because brachycephalic syndrome, hip dysplasia, and spinal issues generate expensive claims. Insurers have the data on every breed's claim history.

Size. Bigger dog, bigger bills. More anesthesia, bigger drug doses, more expensive orthopedic hardware. Great Danes and Bernese Mountain Dogs cost more to treat for the same condition than a Chihuahua.

Cancer rates. Breeds like Golden Retrievers, Boxers, and Bernese Mountain Dogs have elevated cancer rates. Cancer treatment runs $5,000-$15,000. Insurers price this in.

Your dog's age and your ZIP code also matter, but breed is the factor you can't change. Location adds 10-20% in high-cost areas (NYC, SF, LA). Age increases premiums roughly 10% per year after age 5.

Full breed cost breakdowns

Insurance is just one piece. See purchase price, food, vet, grooming, and lifetime costs for every breed.

Browse All Breeds