Find pet insurance in your state
Vet prices — and premiums — vary by 2–3× depending on where you live. Pick your state for local costs and the top-rated providers near you:
How it works
Pick your state
See average monthly costs for dogs and cats where you live.
Compare top plans
Weigh coverage, reimbursement rate, and annual limits side by side.
Get your quote
Choose the plan that fits your pet and budget — and protect them today.
Top-rated pet insurance companies
The standout US insurers for 2026, compared on coverage and value:
How much does pet insurance cost in 2026?
As a national benchmark for accident-and-illness coverage: dogs ≈ $35–$70/mo and cats ≈ $15–$35/mo. Larger breeds, older pets, and high-cost states push premiums higher. Is it worth it? →
| Plan type | Covers | Best for |
|---|---|---|
| Accident-only | Injuries | Budget owners, young pets |
| Accident & illness | Injuries + illnesses | Most owners (standard) |
| Wellness add-on | Routine care, vaccines, cleanings | Predictable yearly costs |
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