The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

Average Cost of Dog Insurance 2018

Compare Cheap Pet Insurance

Pet cover can help with vet bills. Protect your beloved dog today.

{"applyCallToAction":"Get Quotes","defaultSelectedItem":"pet","description":"Pet cover can help with vet bills. Protect your beloved dog today.","formType":"Insurance","onCurrent":true,"options":[{"label":"Car Insurance","url":"http:\/\/nimblefins.quotezone.co.uk\/car\/index.php?id=76f4ecd6e1ca7c2f442633593566fdaa","value":"car"},{"label":"Home Insurance","url":"http:\/\/nimblefins.quotezone.co.uk\/home\/index.php?id=76f4ecd6e1ca7c2f442633593566fdaa","value":"home"},{"label":"Motorbike Insurance","url":"http:\/\/nimblefins.quotezone.co.uk\/bike\/index.php?id=76f4ecd6e1ca7c2f442633593566fdaa","value":"motorbike"},{"label":"Pet Insurance","url":"https:\/\/www.comparecover.com\/xml\/affiliate.cfm?affiliate=nimblefins&affiliatenumber=223&type=pet","value":"pet"},{"label":"Travel Insurance","url":"https:\/\/www.comparecover.com\/xml\/affiliate.cfm?affiliate=nimblefins&affiliatenumber=223&type=travel","value":"travel"}],"title":"Compare Cheap Pet Insurance"}

Dog insurance can help you pay for vet bills in case your four-legged friend falls ill or is injured in an accident, providing both peace of mind and financial support. We've gathered data to provide clarity on a key question—how much is dog insurance? For more information on pets in general, see our article on the Average Cost of Pet Insurance.

A number of factors can affect the premium you'll pay, from the age, gender and breed of your pet to the type of pet insurance you choose. We've researched dozens of policies from more than a dozen popular UK pet insurers in order to find the average cost of dog insurance. Whether you're a new dog owner or you are looking for a policy for your older pet, use this information to help you find a budget-suitable plan and understand how much you'll need to pay.

How Much is Dog Insurance?

We gathered monthly premium quotes for the four different types of pet insurance (Accident Only, Time Limited, Maximum Benefit and Lifetime) for a young, healthy mixed-breed dog. According to the data, the average cost of dog insurance per month is £20.41, ranging from £6.42 for Accident Only plans up to £32.51 for Lifetime plans.

Average Cost of Dog Insurance per Month
Accident Only£6.42
Time Limited£15.60
Max Benefit£27.10
Lifetime£32.51
Average£20.41
chart showing how much pet owners will pay for dog insurance per month
How much is dog insurance per month?

It is not surprising that premiums rise from Accident Only up to Lifetime plans, as the prices reflect the relative cover you get from the insurance company. Accident Only plans are cheapest pet insurance because they provide the least amount of cover since they pay for accidents due to injuries only, not for any illnesses (e.g., tumours, skin conditions, infections, diabetes, etc.). Additionally, Accident Only plans may have a time limit imposed on reimbursements for any injuries.

The other three types of plans will protect for both accidents and illnesses, but in varying degrees. For instance, Time Limited plans typically restrict reimbursement to 12 months from the start of a condition; Max Benefit plans offer a bit more cover in that there is no time restriction but instead a maximum £ amount of cover per-condition; Lifetime plans are generally the most comprehensive since, as the name says, they'll keep paying for conditions throughout your pet's life—while there is an annual limit, this amount resets each year and is available to use again for any new or continuing conditions.

On an annual basis, dog insurance can easily cost hundreds of pounds, depending on the type of cover.

Average Cost of Dog Insurance per Year
Accident Only£77.02
Time Limited£187.23
Max Benefit£325.22
Lifetime£390.09
chart showing how much pet owners will pay for dog insurance per year
How much is dog insurance per year?

How Much is Pet Insurance for Older Dogs?

As your dog ages, you will need to pay higher premiums for the same vet cover. This is because—like their owners—dogs are more likely to have serious health issues when they are older.

chart showing how much pet owners will pay for dog insurance by pet age for older pets
How much is pet insurance for older dogs?

Two ways to reduce the cost of health insurance for older dogs are opting for a Time Limited or Max Benefit plan instead of Lifetime or choosing a higher excess and/or paying a variable excess in addition to the fixed excess. Before choosing a higher excess, we urge you to read the Pros and Cons of a Higher Excess on Pet Insurance.

How Much is Dog Insurance by Breed?

While gender doesn't play a large part in premium calculations for dog insurance (it does for cats), breed of dog certainly does. We've gathered sample quotes from Agria Pet Insurance for the top 10 most popular dogs in the UK, according to the Kennel Club.

As you can see in the table below, it can cost 6X to buy Lifetime cover for dog breeds with genetic health issues, like a German Shephard (prone to hip dysplasia) or a Bulldog (prone to breathing difficulties).

Sample Monthly Cost of Dog Insurance by Breed£12,500 Lifetime Plan£6,500 Lifetime Plan
Border Terrier£24.71£18.92
Cocker Spaniel£34.77£26.60
Crossbreed£37.42£28.65
Miniature Schnauzer£37.62£28.78
English Springer Spaniel£51.78£39.66
Golden Retriever£53.81£41.23
Labradore Retriever£53.81£41.23
German Shephard£70.53£54.04
French Bulldog£149.51£114.59
English Bulldog£149.51£114.59
chart showing how much pet owners will pay for dog insurance by breed
The cost of dog insurance varies significantly by breed

If you have yet to buy a dog and are just researching the costs of dog ownership you may want to keep in mind how insurance costs vary by breed, especially if you are particularly budget conscious. Over one year of dog ownership, the difference in insurance premiums paid can reach £1,000 or more between a crossbreed dog and a breed prone to genetic conditions like a Bulldog. Over a theoretical 12-year lifetime, a Bulldog owner could pay £12,000 more in insurance premiums than a crossbreed owner.

For more money-saving tips, see our article How to Save Money on Pet Insurance. To learn more about pet insurance options for you, see our articles Best Pet Insurance and Best Value Dog and Cat Insurance.

Compare Cheap Pet Insurance

Pet cover can help with vet bills. Protect your beloved dog today.

{"applyCallToAction":"Get Quotes","defaultSelectedItem":"pet","description":"Pet cover can help with vet bills. Protect your beloved dog today.","formType":"Insurance","onCurrent":true,"options":[{"label":"Car Insurance","url":"http:\/\/nimblefins.quotezone.co.uk\/car\/index.php?id=76f4ecd6e1ca7c2f442633593566fdaa","value":"car"},{"label":"Home Insurance","url":"http:\/\/nimblefins.quotezone.co.uk\/home\/index.php?id=76f4ecd6e1ca7c2f442633593566fdaa","value":"home"},{"label":"Motorbike Insurance","url":"http:\/\/nimblefins.quotezone.co.uk\/bike\/index.php?id=76f4ecd6e1ca7c2f442633593566fdaa","value":"motorbike"},{"label":"Pet Insurance","url":"https:\/\/www.comparecover.com\/xml\/affiliate.cfm?affiliate=nimblefins&affiliatenumber=223&type=pet","value":"pet"},{"label":"Travel Insurance","url":"https:\/\/www.comparecover.com\/xml\/affiliate.cfm?affiliate=nimblefins&affiliatenumber=223&type=travel","value":"travel"}],"title":"Compare Cheap Pet Insurance"}

Comments and Questions