The average cost of pet insurance for dogs in 2025 is about $60 to $62 per month in the U.S., though this can vary widely based on factors like breed, age, location, coverage type, and insurance provider. Some breeds may cost more, for example, French Bulldogs average around $92 per month, while others like Goldendoodles might be closer to $44 monthly. Different providers and plan types can also shift the price, ranging generally from $25 up to over $150 per month depending on specifics such as coverage limits and deductibles.

Factors Influencing Pet Insurance Cost for Dogs

• Breed: Certain breeds have higher premiums due to predisposition to health issues.
• Age: Older dogs typically have higher premiums.
• Location: Costs vary by geographic region due to local vet costs.
• Coverage: Comprehensive plans with higher coverage limits and lower deductibles increase premiums.
• Provider: Insurance companies differ in pricing and policy features.

Sample Monthly Cost by Breed (2025 Averages)

Breed| Average Monthly Cost (USD)
---|---
French Bulldog| $92
Labrador Retriever| $57–62
Goldendoodle| $44–47
German Shepherd| $57
Pit Bull| $59

Range of Monthly Costs

• Lower end: Around $25 per month for basic plans for younger, lower-risk breeds.
• Average: $60–62 per month nationally.
• Higher end: Can exceed $150 per month for certain breeds or unlimited coverage plans.

This cost generally covers accident and illness plans; wellness, routine care, or preventive services might require additional coverage or riders.