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Pet Insurance Cost Calculator
The national average pet insurance premium for your dog or cat — a cost estimate, not a quote.
This is a national average, not a personalized quote. Actual premiums vary a lot by your pet's age, breed, location, deductible, and reimbursement rate — this tool has no insurer comparison and no affiliate links; it exists to give you a realistic starting number before you go get real quotes.
Sources & how this is calculated
Figures are the U.S. national average premiums published by the North American Pet Health Insurance Association (NAPHIA) — the pet insurance industry's own trade association, which aggregates real underwritten premium data across its member insurers rather than one company's marketing number. NAPHIA's full report is registration-gated; the specific figures used here (2025 premium year) are as reported directly by NerdWallet's coverage of NAPHIA's "State of the Industry 2026" report : accident & illness averages $836/year (dogs) and $435/year (cats); accident-only averages $190/year (dogs) and $112/year (cats). These are consistent with NAPHIA's own openly published prior-year numbers — $749.29/year for dogs and $386.47/year for cats (accident & illness, 2024 premium year) — continuing the same roughly 10–12%/year rise NAPHIA's report describes.
No age, breed, or location adjustment is applied here — NAPHIA's public national-average figures don't break down that way, and picking an unsourced multiplier would be exactly the kind of invented number this calculator is trying to avoid. In practice, older pets, certain breeds prone to costly conditions, and higher cost-of-living areas all push premiums above this average; younger, healthier pets in lower cost-of-living areas often land below it.