Based on our survey of major pet insurance providers, pet insurance costs average $359 annually for cats and $664 for dogs in Nevada, making them 4% more expensive compared to the national average. However, your dog's breed and age, along with your coverage choice, can make prices vary.
How Much Is Pet Insurance in Nevada?
Updated: July 28, 2025
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Key Takeaways
In Nevada, dog insurance averages $55 per month ($664 per year), while cat insurance averages $30 per month ($359 per year).
Compared to the national average, pet insurance costs in Nevada are 4% higher for dogs and 4% higher for cats.
Find the best cheap pet insurance in Nevada by researching providers, selecting appropriate coverage and comparing multiple quotes.
How Much Does Pet Insurance Cost in Nevada?
| Cat | $30 | $359 |
| Dog | $55 | $664 |
*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). While we included most pet insurance providers, some don't have these offerings, which we excluded for consistency.
What Factors Affect Pet Insurance Costs in Nevada?
Below are the key factors affecting pet insurance costs in Nevada and how influential they are. Click each factor to see pricing details.
Coverage level
Coverage level significantly impacts your pet insurance rates in Nevada. Annual premiums range from $241 to $5,995 based on the coverage options you select, including deductible amounts, reimbursement percentages and annual limits.
Pet type and breed
Your pet's type and breed are the second-biggest factors affecting your rates in Nevada. Our research shows monthly costs range from about $50 to $236 for dogs and $55 to $75 for cats, depending on your pet's breed.
Pet age
Insurance costs increase as your pet ages because older animals face higher health risks and require more veterinary care. In Nevada, annual premiums range from $234 for young pets to $2,310 for senior pets, assuming all other factors remain constant.
Location
Where you live affects your rates because of local vet costs and regional risks. Nevada pet insurance runs about $25 more for dogs and $12 more for cats compared to the national average. Cities within Nevada don't vary much though.
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 Nevada Pet Insurance Costs by Coverage
Your coverage choice has the biggest impact on what you'll pay. Nevada monthly prices range from $30 to $94, depending on your pet type and coverage 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.
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$500
| Cat | $47 | $566 | 3% |
| Dog | $94 | $1,122 | 4% |
Average Nevada Pet Insurance Cost by Breed
Your pet's type and breed significantly impact insurance costs, with monthly rates varying dramatically across different breeds in the United States. Based on national data, pet insurance premiums range from $50 to $236 per month, reflecting the wide variation in healthcare needs among different breeds.
Average Pet Dog Insurance Costs in Nevada
In Nevada, your dog's breed significantly impacts pet insurance costs, with monthly rates starting at $50 for small mixed breeds and reaching $236 for Bull Mastiffs. Take a look at the table below to find specific insurance rates for your furry friend's breed.
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Dog Breed:Affenpinscher
| Affenpinscher | $102 | $1,222 |
*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 Nevada
Monthly cat insurance rates in Nevada vary by breed, with costs ranging from $55 for Domestic Shorthairs to $75 for Abyssinians, and here's a detailed breakdown by breed:
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Cat Breed:Abyssinian
| Abyssinian | $75 | $899 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Nevada Pet Insurance Cost by Age
Age ranks as one of the top three factors affecting pet insurance costs in Nevada, with annual premiums ranging from $234 for young cats to $2,310 for senior dogs due to increased health risks. The table below shows how your pet's age influences insurance costs.
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Pet Type:Cat
| Under 1 | $19 | $234 |
| 1 | $21 | $255 |
| 2 | $23 | $274 |
| 3 | $25 | $299 |
| 4 | $27 | $326 |
| 5 | $30 | $355 |
| 6 | $32 | $384 |
| 7 | $44 | $530 |
| 8 | $38 | $452 |
| 9 | $42 | $498 |
| 10 | $46 | $554 |
| 11 | $52 | $620 |
| 12 | $58 | $697 |
| 13 | $63 | $750 |
| 14 | $70 | $834 |
| 15 | $77 | $921 |
| 16 | $85 | $1,017 |
| 17 | $86 | $1,033 |
| 18 | $95 | $1,139 |
| 19 | $104 | $1,241 |
| 20 | $112 | $1,340 |
*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 Nevada Pet Insurance Cost by City
Your city barely affects pet insurance rates in Nevada: just a dollar difference per year. Below are costs for some of Nevada's biggest cities.
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Pet Type:Cat
| Henderson | $30 | $360 |
| Las Vegas | $30 | $360 |
| Reno | $30 | $359 |
*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 Nevada
To help you find the best pet insurance for the lowest price, we've created a simple step-by-step guide below.
- 1
Determine Your 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
Explore Cost-Saving Options
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 Insurance Providers
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
Carefully examine the fine print of policies you're considering, paying special attention to deductibles, reimbursement rates, and annual limits. Make sure you understand exactly what conditions are covered and any exclusions before making your final decision.
Average Pet Insurance Cost in Nevada: Bottom Line
Pet insurance in Nevada costs slightly more than the national average. Expect to pay around $30 monthly for cats and $55 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 Nevada: FAQ
Find expert answers to common questions about pet insurance costs in Nevada below:
How much does pet insurance cost in Nevada?
Pet insurance costs an average of $55 per month for dogs in Nevada, but depending on age, pricing ranges from $34 to $193 monthly. Cat insurance costs around $30 monthly in the state, but monthly pricing varies from $19 to $112 by age.
Is Nevada pet insurance expensive?
Nevada pet insurance is slightly expensive, ranking higher than the national average for pet insurance coverage for dogs and cats.
How should I go about buying pet insurance in Nevada?
To buy pet insurance in Nevada, 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 Nevada
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.