How Is Dog Insurance Pricing Determined?

Inquisitive dog

Dogs are unique, from their size to their energy level and tendencies, which is why our prices are unique to your dog's situation. To determine the price of your individual dog, you can simply get a quote. You may be wondering how we came up with this price for your dog. Dog insurance costs vary based on several factors specific to your dog, including:

  1. Your dog's age at enrollment
  2. Breed
  3. Gender
  4. Where your dog lives
  5. Whether your dog has been spayed/neutered*

We consider each of these elements and then match them to the average dog’s veterinary costs to determine your dog's individual premium.

* See our policy for details.

Set your price by adjusting your deductible

Once you've gotten a quote, you can custom-choose your dog's monthly premium by selecting a deductible, from $50 to $1000 or no deductible at all. This gives you the flexibility to set a price that fits your budget. You might consider a low deductible for a puppy in its "getting into mischief" phase, and a high deductible for an adult dog whose habits are generally predictable. Plus, you can change your deductible at any time without penalty simply by giving us a call.

What will cause a premium increase?

Over the life of your dog, you may see periodic adjustments to your dog's premium, which may be an increase, a decrease, or no change at all.

There are two reasons your premium will not automatically increase:

  • When your dog has a birthday
  • If your dog becomes sick or injured and you need to file a claim

We know that aging is a natural process and that you have no control whether your canine friend gets sick or injured which is why we do not penalize policyholders with increased premiums.

While your dog's premium is based on the age at which he or she was enrolled, it may increase or decrease over the life of your policy. You can learn more about our premium changes here, but essentially they will increase or decrease with the average cost of pets similar to yours based on our claims experiences and inflation.