Dog vs Cat Pet Insurance: The Startling Differences Every Pet Parent Must Know
When it comes to pet insurance, many pet parents assume dogs and cats get the same coverage at the same price. But the truth is, there are key differences in cost, coverage, and health risks depending on whether you’re insuring a pup or a kitty.
In this guide, we’ll break down the major differences between dog and cat insurance so you can make an informed decision for your pet in 2025.
Why Dog vs. Cat Insurance Differs
Insurance companies set premiums based on risk. Since dogs and cats face different health conditions, life expectancies, and treatment needs, their insurance plans are priced and structured differently.
Average Cost: Dogs vs. Cats
On average, dog insurance costs more than cat insurance.
- Dogs: $40–$70/month depending on breed, age, and location
- Cats: $20–$40/month on average
Why the difference?
Dogs are more prone to accidents (swallowing objects, injuries) and costly hereditary conditions (hip dysplasia, cancer). Cats generally have fewer expensive emergencies, which lowers their average premiums.
Coverage Similarities
Despite price differences, both dog and cat insurance typically cover:
- Accidents (broken bones, swallowed objects, cuts)
- Illnesses (cancer, diabetes, infections)
- Surgeries and hospitalization
- Medications and diagnostics
- Emergency and specialty care
Optional wellness add-ons for preventive care (vaccines, dental cleanings, flea prevention) are available for both.
Coverage Differences
Dogs
- Breed-Specific Conditions: Larger breeds like Golden Retrievers or German Shepherds often face hip dysplasia and joint problems, which drive up costs.
- Higher Risk of Accidents: Dogs are more likely to swallow objects, get hit by cars, or injure themselves outdoors.
- Chronic Illness Coverage: Cancer and arthritis are common in senior dogs, making comprehensive coverage valuable.
Cats
- Lower Premiums: Cats are generally cheaper to insure.
- Fewer Accidents: Indoor cats especially have fewer emergencies, though urinary tract issues and kidney disease are common.
- Dental Issues: Cats often develop dental disease, which may or may not be fully covered without a wellness add-on.
Lifespan Considerations
- Dogs: Lifespans range widely (8–15 years depending on breed). Insurance costs often rise steeply as dogs age.
- Cats: Live longer (12–18 years). Lower premiums make long-term coverage more affordable.
Comparison Table: Dog vs. Cat Pet Insurance
| Factor | Dogs 🐶 | Cats 🐱 |
|---|---|---|
| Average Monthly Cost | $40–$70 | $20–$40 |
| Common Claims | Accidents, joint issues, cancer | Kidney disease, dental, UTIs |
| Accident Risk | Higher (outdoor activity) | Lower (especially indoor cats) |
| Breed-Specific Risks | Yes (hip dysplasia, heart issues) | Fewer breed-specific risks |
| Lifespan | 8–15 years | 12–18 years |
FAQs About Dog vs. Cat Pet Insurance
1. Why is dog insurance more expensive than cat insurance?
Dogs are more prone to accidents and costly conditions, which makes insuring them riskier and more expensive.
2. Is pet insurance worth it for cats?
Yes. While cats may have fewer emergencies, they’re prone to chronic conditions like kidney disease and dental issues that can be expensive without coverage.
3. Do providers offer discounts for insuring multiple pets?
Many do. If you have both a dog and a cat, look for multi-pet discounts to save money.
4. Which type of pet gets denied coverage more often?
Neither — but older pets of either species may face higher premiums or limited coverage options.
Final Thoughts: Dogs vs. Cats Insurance
While both dogs and cats benefit from pet insurance, the key difference is cost. Dogs are generally more expensive to insure because of higher accident risks and costly hereditary conditions, while cats are cheaper but still need protection against chronic illnesses.
👉 Bottom line: Whether you have a playful pup or a laid-back kitty, pet insurance ensures you’ll never have to choose between your pet’s health and your finances. Compare plans, consider your pet’s lifestyle, and pick coverage that fits their unique needs.