Pet Insurance: The Cheapest and Most Expensive Breeds to Insure

Beautiful yorkshire terrier playing with a ball on a grass
The amount you will pay for pet insurance may depend on the breed of your furry family member.

Yevgen Romanenko/Getty Images


It’s bad enough when your pet is sick or injured, but often the vet bills that follow add to your pain. Fortunately, animal insurancea type of health insurance for dogs and cats, can help you save money on veterinary costs and may even cover them completely.

Pet insurance costs can vary greatly by lender and breed. Since dogs are larger and generally require more medication and sedation than cats, pet insurance premiums are generally higher for dogs than for cats. But the costs vary greatly depending on the breed.

If you are looking for pet insurance – or want to add more pets to the coverage you already have – getting started is easy. Contact a pet insurance expert now for get a free quote.

Here are the cheapest and most expensive breeds to insure.

Cheap dog breeds to insure (and why)

According to a LendEDU Analysis Spot Pet Insurance data for 114 dog and cat breeds, the three most affordable breeds with the lowest average overall premiums are:

  1. English Springer Spaniel: $33.56 per month
  2. Miniature Yorkshire Terrier: $37.24 per month
  3. Goldendoodle: $39.62 per month

It’s no surprise that the first two breeds are the cheapest dog breeds to insure. The English Springer Spaniel and Miniature Yorkshire Terrier are small breeds known to live long and healthy lives.

Given their larger size, it’s a bit of a surprise that Goldendoodles have some of the cheapest pet insurance premiums. This cross between a Golden Retriever and a Poodle typically lives an average of 12 to 15 years but may face some health issues including elbow and hip dysplasia, eye problems and heart disease.

Interestingly, dog insurance can be cheaper for mixed breeds because the inherited health issues associated with a breed of dog are less likely to be inherited and their immune systems are more balanced.

Get a free quote now so you know exactly what to expect.

Expensive dog breeds to insure (and why)

The most expensive breeds to insure with dog insurance are those known to be susceptible to many health issues. According to LendEDU’s analysis, these three breeds carry the most expensive pet insurance premiums:

  1. Newfoundland : $100.79 per month
  2. Mastiff of Bordeaux: $94.19 per month
  3. Jack Russell Terrier: $89.53

The Newfoundland and the Dogue de Bordeaux are massive dogs, weighing up to 150 and 140 pounds respectively. Newfoundlands are known to be friendly with children, but unfortunately the breed often faces many inherited health issues later in life. Hip dysplasia, narrowed heart valves, and kidney stones are a few health issues Newfies face.

For their part, Dogue De Bordeaux are large mastiffs who are exceptional watchdogs, but many struggle with tricuspid valve dysplasia, narrowed heart valves, and droopy lower eyelids.

The Jack Russell Terrier is a small, spirited breed that weighs only 13 to 17 pounds and has an average lifespan of 10 to 15 years. So why is it one of the most expensive dog breeds to insure? Although Jack Russell Terriers live long and healthy lives, they can develop breed-associated health issues, including deafness and patellar luxation, which may require surgery.

With the higher average monthly premiums for these dog breeds, it may be wise to buy pet insurance to offset the cost of care and treatment. Speak to a representative who can help you find a profitable plan.

Cheap cat breeds to insure (and why)

Cats are generally less expensive to insure than dogs, and these breeds may have the most affordable monthly premiums:

  1. Mumbai: $25.73 per month
  2. Siberian: $28.30 per month
  3. Domestic Shorthair: $30.09 per month

According to the ASPCA Pet Health InsuranceThe top five insurance claims for Bombay cats are:

  • Respiratory problems
  • Unstable stomach
  • Pneumonia
  • Bronchitis
  • Asthma

The main disease of Siberian cats is hypertrophic cardiomyopathy (HCM), reports the insurer. HCM can lead to heart failure, so it’s wise to get screened by your veterinarian.

The Domestic Shorthair is the most common breed of cat in the United States and among the cheapest to insure. These felines generally have no dietary restrictions, but they are sedentary creatures that can become overweight.

Be aware that all cats can suffer from a wide range of illnesses, from mites and skin disorders to kidney disease and cancer. Animal insurance can help avoid some of these problems if your provider offers a wellness plan that helps cover veterinary exams and preventative care.

Explore your options now.

Expensive cat breeds to insure (and why)

So which feline breed has the highest cat insurance costs?

  1. Abyssinian: $41.82 per month
  2. Persian: $41.32 per month
  3. Rag doll: $37.98 per month

Besides being beautiful family cats, Assyssinians have a ticked coat pattern like cougars and other wild cats. Although these cats can live to be 15+ years old, they can inherit serious health issues like upper respiratory infections, inflammatory bowel disease, and mycoplasma, a disease of the red blood cells.

Persians are known for their striking beauty and snub noses. But the shape of their nose often restricts their breathing and can even lead to respiratory health issues. Persians have also been known to develop eye problems such as cherry eye, a cat’s slipped third eyelid, and entropion (when a cat’s eyelids begin to push inward toward the eyes). eye).

Did you know that it takes a Ragdoll cat four years to reach full size, up to 20 pounds for boys and 15 pounds for girls? Unfortunately, these friendly felines usually deal with kidney disease, stomach issues, and heart murmurs.

Unfortunately, illnesses and ailments aren’t the only causes of cat insurance claims. Cats have an inquisitive nature which often leads them into accidents causing injury. Although we don’t like to think of such a tragedy affecting our furry loved ones, having pet insurance can be worth it contribute to reducing the costs of veterinary care and treatment.

Pet insurance costs depend on coverage

As we’ve seen, pet insurance prices can vary by breed, with average monthly premiums ranging from around $30 to $100 for dogs and $25 to $42 for cats. These premiums are average for accident and sickness cover. Keep in mind, however, that you could pay less or more than these amounts, depending on the coverage options you choose.

For example, many pet insurance providers offer accident-only coverage for as little as $15 per month for dogs and $7 for cats. Depending on your insurer, you may be able to purchase additional preventative care for exams, vaccinations and other services. In addition, you can adjust the amount of your annual benefit, deductibleand reimbursement percentage to build coverage that meets your needs and budget.

While most insurers only offer pet insurance for dogs and cats, some can help you save money on veterinary bills for other animals. Here are the average monthly premiums for the following animals, according to Nationwide.

  • Bird: $15.75
  • exotic animals: $9
  • Reptiles: $8

Whether you can pay the monthly premiumPurchasing pet insurance can be smart to protect your pets and help you save money on veterinary bills. Speak to a Pet Insurance Professional Today which can help you get started.

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