Find out what pet insurance really costs before you buy.
We collect published premium data and run our own sample quotes so you can see real prices, compare plans on equal settings, and decide whether coverage is worth it for your pet.
Start here
- How Much Does Dog Insurance Cost in 2026? Average costs by age and breed, plus real Idaho quotes from Embrace and Fetch.
- How Much Does Cat Insurance Cost in 2026? Costs by age and breed, the Idaho average, and real quotes for cats.
How we work
- We use industry data from the North American Pet Health Insurance Association (NAPHIA) and published rate studies.
- We run our own quotes with the same plan settings on each insurer, and we date every quote.
- We show the plan settings behind every price, because a cheap default quote often hides a low limit or a high deductible.
We may earn a commission when you get a quote through our links. It never changes the prices we report. Read our affiliate disclosure.