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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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.