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Pet insurance for dogs usually costs around $50 per month. But some dog breeds will cost even less than that. Read on to discover which.
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Pet insurance for dogs can help you pay for injuries and illnesses that warrant a visit to your vet’s office. Premiums on pet insurance cost on average $50 for dogs. But if you own a small dog, you’re in luck — the cost to insure most smaller breeders is between $33 and $50.
Of course, multiple factors can influence how much you actually pay monthly for pet insurance. For instance, older, smaller dogs can cost just as much to insure than some younger, larger dogs. Other contributing factors include your location, the sex of your dog, your deductible, and how much coverage you buy.
But, generally speaking, certain dog breeds are cheaper to insure than others. Below are the 15 cheapest dogs for pet insurance, according to a study from Spot Pet Insurance by way of LendEDU.
As a reminder, an accident-only policy (AO) provides coverage only for injury-related vet bills, such as car accidents and lacerations. An accident and illness policy (A&I) will provide coverage for accidents, plus illnesses, such as cancer.
How can you save on pet insurance for your dog?
If you have a small dog, but you’re paying more than the average cost for its breed, there are a few ways you can cut monthly premiums.
For one, you can look for discounts. For instance, many insurance companies will cut the total annual cost of your premium if you pay the full year upfront, rather than month to month. You might also get a discount for buying pet insurance for more than one pet, or a reduction on all your insurance premiums — car, home, and pet — if you bundle your policies with one insurance company.
You could also choose a lower reimbursement or a higher deductible. Both of these will lower your premiums, but could potentially raise your out-of-pockets costs.
Perhaps the best way to save on pet insurance is to shop around with different insurance companies. Pet insurance prices can vary widely from company to company, and you won’t know which company will offer you the best rate until you compare different quotes. You can look at some of the best pet insurance companies to get started, but feel free to compare these with local companies as well.
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