Pet insurance cost by breed
Pick your breed to see a modeled monthly cost range, the breed-specific conditions that drive it, and an estimated lifetime cost — then get real quotes from the insurers below.
These are modeled estimates for comparison, not quotes, adjusted for your state & coverage off a $5k limit / $500 deductible / 80% baseline — see how we estimate. Get real numbers from the insurers below.
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All four pay you back a % of the vet bill after your deductible; they differ most on payout caps, waiting periods and breed-condition coverage. Higher-risk breeds benefit most from an unlimited annual cap.
| Insurer | Annual limit | Reimburse | Deductible | Waiting periods | Standout |
|---|---|---|---|---|---|
| Lemonade | $5k–$100k | 70/80/90% | $100–$500 | 2-day accident · 14-day illness | Lowest base price; app-based; multi-pet & bundle discounts |
| Healthy Paws | Unlimited (no caps) | 70/80/90% | $100–$500 | 15-day | No per-incident or lifetime payout caps — strong for big claims |
| Embrace | $5k–$30k | 70/80/90% | $100–$1,000 (diminishing) | 2-day accident · 14-day illness | Covers genetic & breed-specific conditions; deductible shrinks each claim-free year |
| Pets Best | $5k–Unlimited | 70/80/90% | $50–$1,000 | 3-day accident · 14-day illness | Direct-to-vet pay option; low-deductible flexibility |
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Get real quotes
Ad · Fur Forecast may earn a commission from these links, at no cost to you.How breed changes your premium
Insurers price on the conditions a breed is predisposed to and how expensive they are to treat. Brachycephalic breeds (French Bulldogs, Pugs), giant breeds, and breeds with high cancer or cardiac rates cost more to insure; hardy mixed breeds and most small terriers cost less. Fur Forecast models this into a risk tier per breed — see how we estimate.
Breed is only one of five levers. Age, your state, the deductible, reimbursement and annual limit you pick, and the exclusions buried in the policy all move the number too — often by more than the breed does. We break down exactly how much each one shifts the price, with the factor tables from our model, in what changes a pet insurance price →
Questions
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Planning for veterinary costs
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