Based on our survey of major pet insurance providers, pet insurance costs average $350 annually for cats and $644 for dogs in Delaware, making them 0.79% and 0.76% more expensive compared to the national average, respectively. Your pet's breed and age, along with your coverage choice, can make prices vary.
How Much Is Pet Insurance in Delaware?
Updated: August 1, 2025
Advertising & Editorial Disclosure
Key Takeaways
In Delaware, dog insurance averages $54 per month ($644 per year), while cat insurance averages $29 per month ($350 per year).
According to our survey, Delaware pet insurance costs are 1% higher for both dogs and cats compared to the national average.
Get the best cheap pet insurance in Delaware by researching many companies, finding the right coverage level for your furry companion and comparing multiple quotes.
How Much Does Pet Insurance Cost in Delaware?
| Cat | $29 | $350 |
| Dog | $54 | $644 |
*These accident-only coverage rates (which cover injuries but not illnesses) apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (7-year-old cat) and a Labrador Retriever (6-year-old dog). Although we included most pet insurance providers, some don't have these offerings, which we excluded for consistency.
What Factors Affect Pet Insurance Costs in Delaware?
Below are the key factors affecting pet insurance costs in Delaware and how influential they are. Click each factor to see pricing details.
Coverage level
Your chosen coverage level has the biggest impact on pet insurance costs in Delaware. Our baseline accident-only rates average $350 to $644 annually, while comprehensive accident and illness coverage ranges from $552 to $1,089 annually for standard parameters.
Full coverage options across all variables can range from $234 to $5,816 depending on the coverage options you select, including deductible amounts, reimbursement percentages and annual limits.
Pet type and breed
Cats and dogs cost different amounts to insure, and your pet's breed makes a big difference too. Our research shows monthly costs range from about $50 to $235 for dogs and $55 to $75 for cats, depending on your pet's breed. Dogs typically cost more to insure than cats since they tend to have more health problems and pricier vet bills.
Pet age
As pets grow older, their risk of health issues increases, leading to higher insurance premiums. Our research shows annual rates in Delaware vary from $227 to $1,306 based on your pet's age, assuming other factors remain constant.
Location
Your location influences pet insurance costs through factors like local veterinary costs and environmental risks. Delaware pet insurance rates run about $5 higher than the national average for dogs and $3 higher for cats per year. Within Delaware, our research shows minimal variation in rates across different cities.
Your vet
When you get quotes, insurers often ask about your vet. Different vets charge different prices, which affects how much claims cost and ultimately impacts your premiums.
Average Delaware Pet Insurance Costs by Coverage
As the primary factor in determining pet insurance costs in Delaware, your selected coverage level can make monthly premiums range from $19 to $484, with final rates varying based on your pet type and specific plan details.
The table below shows comprehensive accident and illness coverage rates. Individual rates may vary significantly based on your pet's specific health history, your chosen veterinarian and other factors.
Data filtered by:Results filtered by:
Select
Annual Limit:$5,000
Select
Reimbursement %:80%
Select
Deductible:$500
| Cat | $46 | $552 | 1% |
| Dog | $91 | $1,089 | 1% |
Average Delaware Pet Insurance Cost by Breed
Your pet's type and breed are the second-biggest factors affecting your rates in Delaware. Our research shows monthly costs range from about $50 to $235 for dogs and $55 to $75 for cats, depending on your pet's breed.
Average Pet Dog Insurance Costs in Delaware
In Delaware, your dog's breed significantly impacts pet insurance rates, with monthly premiums ranging from $50 to $235 depending on the breed. Check out the detailed breakdown below to find the typical insurance cost for your specific breed.
Data filtered by:Results filtered by:
Select
Dog Breed:Affenpinscher
| Affenpinscher | $101 | $1,215 |
*These rates represent policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Pet Cat Insurance Costs in Delaware
In Delaware, your cat's breed significantly impacts insurance costs, with monthly premiums ranging from $55 for Domestic Shorthairs to $75 for Abyssinian cats. Here's a detailed breakdown of insurance costs by breed in Delaware:
Data filtered by:Results filtered by:
Select
Cat Breed:Abyssinian
| Abyssinian | $75 | $895 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Delaware Pet Insurance Cost by Age
Age is the third-biggest factor affecting your pet insurance costs in Delaware since older pets need more medical care. Prices range from $227 to $1,306 per year. Check the breakdown below to see costs for your pet's age.
Data filtered by:Results filtered by:
Select
Pet Type:Cat
| Under 1 | $19 | $227 |
| 1 | $21 | $248 |
| 2 | $22 | $266 |
| 3 | $24 | $290 |
| 4 | $26 | $318 |
| 5 | $29 | $345 |
| 6 | $31 | $374 |
| 7 | $43 | $513 |
| 8 | $37 | $440 |
| 9 | $40 | $484 |
| 10 | $45 | $539 |
| 11 | $50 | $603 |
| 12 | $57 | $679 |
| 13 | $61 | $730 |
| 14 | $68 | $812 |
| 15 | $75 | $897 |
| 16 | $83 | $990 |
| 17 | $84 | $1,006 |
| 18 | $93 | $1,110 |
| 19 | $101 | $1,209 |
| 20 | $109 | $1,306 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (cat) and a Labrador Retriever (dog).
Average Delaware Pet Insurance Cost by City
Your city barely affects pet insurance rates in Delaware: just a few dollars difference per year. Below are costs for some of Delaware's biggest cities.
Data filtered by:Results filtered by:
Select
Pet Type:Cat
| Dover | $29 | $350 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (cat) and a Labrador Retriever (dog).
How to Get the Best Cheap Pet Insurance in Delaware
Our best pet insurance research combined with tips for finding the lowest price comes together in this simple step-by-step guide to help you protect your pet affordably.
- 1
Determine Coverage Needs
Before buying pet insurance, find out how much coverage you need that's both pet and budget-friendly. Consider first how much you can afford, the common health and behavioral problems for your pet's breed, and vet costs for your primary veterinarian and area.
- 2
Research Costs and Discounts
Research average costs for your pet and coverage level so you'll know a good deal when you see one. Pet insurance doesn't offer as many discounts as other insurance, but look for multi-pet and bundling savings where available.
- 3
Evaluate Provider Reputation
Check customer opinions on forums to get the real story about different companies. Also look at coverage options, waiting periods, and claims processes to make sure you won't hit surprises when you need to file a claim.
- 4
Compare Multiple Quotes
Get quotes from several companies to make sure you're getting the best deal. Most insurers offer quick online quotes for dogs and cats, though you'll need to call if you have an exotic pet.
- 5
Review Policy Details
Review the fine print of policies you're considering, including deductibles, reimbursement rates, and coverage limits. Check what conditions are excluded and whether the policy covers preventive care.
Average Pet Insurance Cost in Delaware: Bottom Line
Pet insurance in Delaware costs slightly more than the national average. Expect to pay around $29 monthly for cats and $54 for dogs, though your actual costs depend on your pet's breed, age and coverage choice.
Want better rates? First, determine what coverage you actually need, then shop around. Get quotes from several insurers before you commit.
Pet Insurance Cost in Delaware: FAQ
MoneyGeek's comprehensive FAQ section addresses the most common questions about pet insurance costs and pricing options in Delaware.
How much does pet insurance cost in Delaware?
In Delaware, pet insurance costs an average of $54 per month for dogs, but depending on age, pricing ranges from $33 to $187 monthly. Insuring cats in the state costs around $29 monthly, but monthly pricing varies from $19 to $109 by age.
Is Delaware pet insurance expensive?
Delaware is relatively expensive for pet insurance coverage for dogs and cats, ranking 21st among all U.S. states.
How should I go about buying pet insurance in Delaware?
To buy pet insurance in Delaware, decide on your coverage needs beforehand, research costs and discounts, look into company reputations and coverage details, and compare multiple quotes.
How We Determined Average Pet Insurance Costs in Delaware
All costs in this article are based on or modified from the following profile:
- $5,000 annual limit
- 80% reimbursement
- $500 deductible
- For dogs: Labrador Retriever (6 years old)
- For cats: Ragdoll (7 years old)
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.