Dog Insurance Calculator: estimate monthly and annual dog insurance costs by breed, age, coverage level, and deductible. Not a real quote, just an easy estimate.
Dog Insurance Estimator
Estimate monthly premiums based on breed risk & age.
Dog Profile
Life StagePUPPY
2 Years
2 Mos15+ Yrs
Coverage Details
Basic
Accidents Only
Standard
Accidents & Illness
Premium
Includes Wellness
Preventive
Vaccines/Flea/Tick
$100
Low Deductible
$250
Average
$500
High Deductible
$1,000
Very High
High Risk Notice
This breed often has higher premiums due to hereditary conditions or lifespan.
*Note: This is an estimation tool based on industry averages for breed risk, age, and plan types. Actual premiums vary by location, Zip code, and specific insurer underwriting. For accurate quotes, visit insurers like Lemonade or Healthy Paws.
Dog Insurance Calculator – Get an estimated monthly dog insurance cost based on your dog’s age, size, and breed risk.
This is not a real insurance quote. The calculator provides a pricing estimate to help you understand what you might pay and compare coverage options.
Dog Insurance Calculator vs Real Insurance Quotes
Feature
This Calculator
Real Insurance Quote
Pricing Type
Estimated range
Exact premium
Uses Location
No
Yes
Medical History
Not included
Reviewed
Pre-existing Conditions
Excluded
Usually excluded
Best For
Budget planning & comparison
Final purchase decision
Dog Insurance Cost Chart by Breed & Risk
Estimated monthly insurance ranges based on breed risk and average coverage levels.
Breed
Risk Level
Common Health Concerns
Est. Monthly Cost
French Bulldog
High
Breathing, spine, skin issues
$70 – $120
Bulldog
High
Respiratory and joint problems
$75 – $130
Pug
High
Airway and eye disorders
$65 – $110
Rottweiler
High
Hip dysplasia, ligament injuries
$60 – $100
Pit Bull / Mix
High
Joint issues, coverage restrictions
$55 – $95
Labrador Retriever
Medium
Hip dysplasia, obesity
$40 – $70
Golden Retriever
Medium
Cancer, joint problems
$45 – $80
Chihuahua
Low
Dental issues, heart murmurs
$20 – $40
Dog Insurance Calculator FAQs
Is this Dog Insurance Calculator a real insurance quote?
No. This calculator provides an estimated cost range only. It is not a real insurance quote and should be used
to get an idea of what you might pay before contacting insurance providers.
Why do some dog breeds cost more to insure?
Certain breeds are considered higher risk due to genetic conditions, breathing issues, joint problems,
or higher claim frequency, which increases insurance costs.
Does this calculator include pre-existing conditions?
No. Pre-existing conditions are not included because most insurance companies do not cover them.
Can I use this calculator to compare insurance plans?
Yes. It helps you compare coverage levels and deductibles, but final pricing should always be confirmed
with an actual insurance provider.
