Based on our survey of major pet insurance providers, pet insurance costs average $362 annually for cats and $667 for dogs in Pennsylvania, 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 Pennsylvania?
Updated: July 28, 2025
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Key Takeaways
In Pennsylvania, dog insurance averages $56 per month ($667 per year), while cat insurance averages $30 per month ($362 per year).
According to our survey, Pennsylvania pet insurance costs are 4% higher than the national average for both dogs and cats.
Find the best cheap pet insurance in Pennsylvania by researching providers, selecting appropriate coverage and comparing multiple quotes.
How Much Does Pet Insurance Cost in Pennsylvania?
| Cat | $30 | $362 |
| Dog | $56 | $667 |
*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 Pennsylvania?
Below are the key factors affecting pet insurance costs in Pennsylvania 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 Pennsylvania. Our baseline accident-only rates average $362 to $667 annually, while comprehensive accident and illness coverage ranges from $572 to $1,127 annually for standard parameters.
Pet type and breed
Cats and dogs cost different amounts to insure, and your pet's breed makes a big difference too. Cats are usually cheaper to insure, with annual premiums from $236 to $1,353, while dogs cost $408 to $1,936 per year since they tend to have more health problems and pricier vet bills.
Pet age
Your pet's age directly affects insurance costs since older animals face increased health risks and require more veterinary care. In Pennsylvania, annual premiums range from $235 to $2,323, with rates typically increasing as your pet gets older.
Location
Where you live affects your rates because of local vet costs and regional risks. Pennsylvania pet insurance runs about $28 more for dogs and $15 more for cats compared to the national average. Cities within Pennsylvania 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 Pennsylvania Pet Insurance Costs by Coverage
In Pennsylvania, your choice of coverage level is the biggest factor in determining pet insurance costs, with monthly premiums ranging from $20 to $502 depending on your selected coverage and type of pet.
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 | $48 | $572 | 4% |
| Dog | $94 | $1,127 | 4% |
Average Pennsylvania Pet Insurance Cost by Breed
Pet type and breed significantly impact insurance costs, with monthly rates varying based on your pet's specific characteristics. Based on national data, monthly pet insurance premiums range from $52 to $244 depending on the breed you choose.
Average Pet Dog Insurance Costs in Pennsylvania
In Pennsylvania, your dog's breed significantly impacts pet insurance costs, with monthly rates ranging from $52 to $244 per month. Check the table below to find specific insurance rates for your furry friend's breed.
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Dog Breed:Affenpinscher
| Affenpinscher | $105 | $1,260 |
*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 Pennsylvania
Monthly cat insurance rates in Pennsylvania vary significantly by breed, with costs ranging from $57 for Domestic Shorthairs to $78 for Abyssinians, as shown in the detailed breakdown below.
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Cat Breed:Abyssinian
| Abyssinian | $78 | $930 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Pennsylvania Pet Insurance Cost by Age
Age ranks as one of the top three factors affecting pet insurance costs in Pennsylvania, with annual premiums ranging from $236 to $2,323 depending on your pet's age and health risks. Review the table below to find specific rates for your pet's age group.
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Pet Type:Cat
| Under 1 | $20 | $236 |
| 1 | $21 | $257 |
| 2 | $23 | $276 |
| 3 | $25 | $301 |
| 4 | $27 | $329 |
| 5 | $30 | $358 |
| 6 | $32 | $387 |
| 7 | $44 | $532 |
| 8 | $38 | $456 |
| 9 | $42 | $502 |
| 10 | $47 | $558 |
| 11 | $52 | $625 |
| 12 | $59 | $703 |
| 13 | $63 | $756 |
| 14 | $70 | $841 |
| 15 | $78 | $929 |
| 16 | $86 | $1,025 |
| 17 | $87 | $1,042 |
| 18 | $96 | $1,149 |
| 19 | $105 | $1,252 |
| 20 | $113 | $1,353 |
*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 Pennsylvania Pet Insurance Cost by City
Your city barely affects pet insurance rates in Pennsylvania: just a dollar difference per year. Below are costs for some of Pennsylvania's biggest cities.
Data filtered by:Results filtered by:
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Pet Type:Cat
| Allentown | $30 | $363 |
| Philadelphia | $30 | $362 |
| Pittsburg | $30 | $362 |
*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 Pennsylvania
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
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 Company Reputations
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 policy documents for coverage limits, deductibles, and exclusions before making your final decision. Pay special attention to waiting periods and pre-existing condition policies, as these can significantly impact when you can start using your coverage.
Average Pet Insurance Cost in Pennsylvania: Bottom Line
Pet insurance in Pennsylvania costs slightly more than the national average. Expect to pay around $30 monthly for cats and $56 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 Pennsylvania: FAQ
Find expert answers to common questions about pet insurance costs in Pennsylvania below:
How much does pet insurance cost in Pennsylvania?
Pet insurance costs an average of $56 per month for dogs in Pennsylvania, but depending on age, pricing ranges from $34 to $194 monthly. Cat insurance costs around $30 monthly in the state, but monthly pricing varies from $20 to $113 by age.
Is Pennsylvania pet insurance expensive?
Pennsylvania is relatively expensive for pet insurance, with costs for dogs and cats falling higher than most states nationwide.
How should I go about buying pet insurance in Pennsylvania?
To buy pet insurance in Pennsylvania, 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 Pennsylvania
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.