How much is pet insurance a month for a dog?

5th February 2019by Joanna White

The cost of pet insurance for a dog can vary enormously depending on where you purchase your policy from and the age and breed of your dog, plus numerous other factors.

If you’re wanting to know about how much is pet insurance a month for a dog, this guide will fill you in on all the relevant details.

What you need to know - how much is pet insurance a month for a dog?

The average monthly cost of pet insurance for dogs is estimated to be around £23.90 a month; or £287 a year.

Of course, you could also pay much less or much more for your dog insurance, depending on many factors. Prices for pet insurance for dogs are expected to increase as your dog gets older, but you could find yourself starting with a monthly cost of as little as £10 a month.

Find out below the different factors affecting how much is pet insurance a month for a dog.

The pet insurance provider

A common factor influencing the cost of pet insurance for dogs is the actual insurance provider company you choose.

There are dozens of pet insurers in the industry, all competing for your business who will claim that they offer the most competitive and affordable price for pet insurance. However, it’s important not to take the figures for what they are at first glance; make sure you shop around for the best quotes so you can make your decision wisely.

The type of pet insurance policy

The type of policy you choose is also likely to massively affect the price of pet insurance for your dog each month.

If you’re looking for the most affordable quotes, then stick to an accident only or time limited pet insurance policy as these are the cheapest (and most basic) options for cover.

Per condition and lifetime dog insurance will be the most comprehensive types of cover you can obtain, but they will also be the most expensive.

If you want to ensure that your dog is fully covered and protected in every eventuality, then you may wish to choose a lifetime policy; just make sure you’re aware of the costs of the policy.

The breed of dog you have

The breed of dog you have is another factor influencing the price of pet insurance. Larger and pedigree dogs such as Bulldogs and Siberian Huskies tend to sit at the most expensive end of the dog breed spectrum.

Whereas the likes of a Yorkshire Terrier and Chihuahuas are usually much cheaper to insure each month.

Where you live

A surprising factor that many people are unaware of affecting the price of dog insurance is where they live.

Your home address plays a much more influencing part than you may think in the cost of pet insurance. London and the South West tend to have the most expensive policies, whereas the North East and the East Midlands are usually the places with the most affordable policies.

The age of your dog

Of course, another huge factor influencing the cost of dog insurance a month is how old your dog is.

The older your dog, the more expensive your pet insurance is likely to be as they’ll be deemed as more at risk of being susceptible to illnesses and injuries due to old age.

It’s a good idea to get your pet insurance in place for your dog when they’re as young as possible, especially if you plan to invest in a lifetime policy as you’re much more likely to reap the rewards.

Conclusion - how much is pet insurance a month for a dog?

While you can make predictions and expectations of the cost of pet insurance for a dog a month, there really is no set rule for the cost of it.

Many factors play a part in determining the cost of dog insurance including the age and breed of your dog, where you live and the type of policy you opt for.

It’s important to remember to go for the best type of cover for both you and your pet, so if you’re looking for something affordable, it’s a good idea to shop around for the best monthly quotes from different providers so you can make a well-informed decision.