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Pet insurance

How much pet insurance costs for dogs and cats, what it covers, whether it's worth it, and how homeowners and liability insurance handle dog bites.

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4 guides

Does homeowners insurance cover dog bites? Homeowners and renters insurance usually covers dog bite liability up to your policy limit, but breed exclusions and limits matter. What claims cost in 2025 and what to do if you're excluded. 3 min
Dog liability insurance: when you need it and what it covers What canine liability insurance is, when you need it (breed exclusions, landlords, dangerous dog rules), what it covers and doesn't, and how it differs from pet health insurance. 3 min
How much is cat insurance? Average cost and whether it's worth it Cat insurance cost about $435 a year on average in the US in 2025. What drives the price, what's covered, common costly cat illnesses and whether it's worth it for indoor cats. 2 min
Is pet insurance worth it for dogs? The numbers in 2026 What dog insurance costs in the US (about $836 a year on average), how deductibles and reimbursement work, what isn't covered, and when it pays off compared with saving. 4 min

Two very different kinds of insurance

Pet health insurance pays part of your pet's vet bills when they're sick or injured. In 2025, the average accident-and-illness policy cost $836 a year for dogs and $435 for cats, according to NAPHIA.
Liability insurance pays when your dog injures someone else. Most owners have it through homeowners or renters insurance, but breed exclusions and limits matter.

Guides in this section

We don't sell insurance or receive commissions from insurers. Always read the policy wording before you buy.