Based on our survey of major insurers, pet insurance costs average $362 annually for cats and $667 for dogs in Pennsylvania, 4% more expensive than the national average. Your dog's breed and age, plus your coverage choice, affect your final price.
How Much Is Pet Insurance in Pennsylvania?
Updated: December 22, 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 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). Rates include providers offering these specific policy parameters.
Find the best pet insurance in Pennsylvania for your situation:
What Factors Affect Pet Insurance Costs in Pennsylvania?
Five factors affect pet insurance costs in Pennsylvania. Click each factor for pricing details.
Coverage level
The deductible, annual limit and reimbursement rate create the biggest pet insurance price differences in Pennsylvania. Accident-only rates average $362 to $667 annually, while comprehensive accident and illness coverage costs $572 to $1,127.
Pet type and breed
Cats cost less to insure than dogs, and your pet's breed changes prices substantially. Cat premiums run $236 to $1,353 annually, while dog premiums cost $408 to $1,936 per year. Dogs have more health problems and higher vet bills.
Pet age
Older pets cost more to insure. Annual premiums in Pennsylvania range from $235 to $2,323, with prices climbing as your pet ages.
Location
Local vet costs and regional risks determine your rates. Pennsylvania pet insurance costs about $28 more for dogs and $15 more for cats than the national average. Rates stay consistent across Pennsylvania cities.
Your vet
Insurers ask about your vet when you get quotes. Different vets charge different prices, affecting your reimbursement amounts and premiums.
Average Pennsylvania Pet Insurance Costs by Coverage
In Pennsylvania, your coverage level creates the biggest price differences, with monthly premiums ranging from $20 to $502 depending on your coverage choice and pet type.
These rates show comprehensive accident and illness coverage. Rates depend on your pet's health history, veterinarian, annual limits and deductibles.
Data filtered by:
$5,000
80%
$500
| Cat | $48 | $572 | 4% |
| Dog | $94 | $1,127 | 4% |
Average Pennsylvania Pet Insurance Cost by Breed
Pet type and breed affect insurance costs. Monthly pet insurance premiums range from $52 to $244.
Average Pet Dog Insurance Costs in Pennsylvania
In Pennsylvania, a dog's breed affects pet insurance costs. Monthly rates range from $52 to $244.
Data filtered by:
Select
| Affenpinscher | $105 | $1,260 |
| Afghan Hound | $124 | $1,482 |
| Airedale Terrier | $132 | $1,584 |
| Akita | $136 | $1,621 |
| Alaskan Husky | $109 | $1,299 |
| Alaskan Malamute | $127 | $1,523 |
| Alsatian | $143 | $1,713 |
| Alsation | $134 | $1,604 |
| American Bulldog | $177 | $2,119 |
| American Bully | $165 | $1,978 |
| American Eskimo | $92 | $1,106 |
| American Foxhound | $106 | $1,263 |
| American Hairless Terrier | $90 | $1,080 |
| American Staffordshire Terrier | $144 | $1,731 |
| Australian Cattle Dog | $102 | $1,223 |
| Australian Kelpie | $109 | $1,305 |
| Australian Shepherd | $87 | $1,045 |
| Australian Silky Terrier | $90 | $1,075 |
| Australian Terrier | $96 | $1,144 |
| Basenji | $92 | $1,098 |
| Basset Fauve de Bretagne | $119 | $1,426 |
| Basset Hound | $146 | $1,750 |
| Beagle | $109 | $1,305 |
| Bearded Collie | $101 | $1,209 |
| Belgian Shepherd Malinois | $121 | $1,454 |
| Bernese Mountain Dog | $238 | $2,847 |
| Bichon Frise | $97 | $1,162 |
| Bloodhound | $170 | $2,039 |
| Border Collie | $91 | $1,093 |
| Border Terrier | $96 | $1,148 |
| Borzoi | $147 | $1,755 |
| Boston Terrier | $104 | $1,237 |
| Boxer | $170 | $2,039 |
| Bracco Italiano | $120 | $1,439 |
| Briard | $128 | $1,532 |
| British Bulldog | $206 | $2,473 |
| Brussels Griffon | $100 | $1,197 |
| Bullmastiff | $237 | $2,841 |
| Bull Mastiff | $244 | $2,927 |
| Bull Terrier | $144 | $1,728 |
| Cairn Terrier | $102 | $1,217 |
| Cane Corso | $197 | $2,360 |
| Caucasian Shepherd Dog | $182 | $2,180 |
| Cavachon | $83 | $990 |
| Cavalier King Charles Spaniel | $109 | $1,308 |
| Cavapoo | $79 | $949 |
| Central Asian Shepherd Dog | $161 | $1,924 |
| Chihuahua | $68 | $816 |
| Chow Chow | $127 | $1,525 |
| Clumber Spaniel | $134 | $1,600 |
| Cockapoo | $77 | $922 |
| Cocker spaniel | $117 | $1,395 |
| Collie | $111 | $1,334 |
| Corgi | $125 | $1,499 |
| Coton De Tulear | $88 | $1,054 |
| Dachshund | $90 | $1,070 |
| Dalmatian | $143 | $1,713 |
| Dingo | $92 | $1,103 |
| Doberman Pincher | $167 | $2,001 |
| Doberman Pinscher | $232 | $2,787 |
| Dogue de Bordeaux | $240 | $2,881 |
| English Bulldog | $214 | $2,570 |
| English Foxhound | $102 | $1,224 |
| English Mastiff | $217 | $2,594 |
| English Pointer | $120 | $1,440 |
| English Setter | $118 | $1,407 |
| English Springer Spaniel | $109 | $1,311 |
| English Toy Terrier | $93 | $1,110 |
| Estrela Mountain Dog | $150 | $1,795 |
| Field Spaniel | $111 | $1,335 |
| Finnish Lapphund | $104 | $1,242 |
| Foxhound | $108 | $1,287 |
| Fox Terrier | $95 | $1,138 |
| French Bulldog | $191 | $2,288 |
| German Pinscher | $100 | $1,192 |
| German Shepherd | $125 | $1,496 |
| German Shorthaired Pointer | $113 | $1,352 |
| German Spitz | $108 | $1,292 |
| Giant Mix (100 pounds+) | $118 | $1,403 |
| Giant Mix (110 pounds+) | $111 | $1,325 |
| Giant Mix (111 pounds+) | $101 | $1,213 |
| Giant Mix (90 pounds+) | $149 | $1,778 |
| Goldendoodle | $96 | $1,145 |
| Golden Retriever | $130 | $1,555 |
| Gordon Setter | $146 | $1,747 |
| Great Dane | $217 | $2,593 |
| Great Pyrenees | $145 | $1,744 |
| Greyhound | $142 | $1,702 |
| Groodle | $87 | $1,039 |
| Harrier | $112 | $1,342 |
| Havanese | $79 | $952 |
| Hungarian Vizsla | $139 | $1,666 |
| Husky | $96 | $1,152 |
| Icelandic Sheepdog | $106 | $1,264 |
| Irish Setter | $126 | $1,514 |
| Irish Terrier | $104 | $1,244 |
| Italian Greyhound | $103 | $1,232 |
| Italian Spinone | $118 | $1,409 |
| Jack Russell Terrier | $77 | $924 |
| Japanese Chin | $90 | $1,076 |
| Japanese Spitz | $90 | $1,081 |
| Kangal Shepherd Dog | $196 | $2,349 |
| Keeshond | $113 | $1,357 |
| Komondor | $137 | $1,645 |
| Labradoodle | $96 | $1,143 |
| Labrador Retriever | $124 | $1,486 |
| Large Mix (51-100 pounds) | $102 | $1,218 |
| Large Mix (51-110 pounds) | $93 | $1,116 |
| Large Mix (55-90 pounds) | $103 | $1,245 |
| Large Mix (60-109 pounds) | $111 | $1,325 |
| Large Mix (61+ pounds) | $102 | $1,221 |
| Large Mix (71+ pounds) | $183 | $2,196 |
| Large Mix (Over 70 pounds) | $101 | $1,213 |
| Lhasa Apso | $89 | $1,060 |
| Lurcher | $145 | $1,736 |
| Maltese | $87 | $1,037 |
| Maltipoo | $72 | $861 |
| Medium Mix (20-55 pounds) | $80 | $973 |
| Medium Mix (20-70 pounds) | $85 | $1,022 |
| Medium Mix (21-70 pounds) | $191 | $2,285 |
| Medium Mix (23-70 pounds) | $102 | $1,223 |
| Medium Mix (26-50 pounds) | $85 | $1,018 |
| Medium Mix (26-59 pounds) | $111 | $1,325 |
| Medium Mix (31-50 pounds) | $85 | $1,023 |
| Medium Mix (31-59 pounds) | $84 | $1,006 |
| Miniature Bull Terrier | $145 | $1,736 |
| Miniature Dachshund | $95 | $1,129 |
| Miniature Fox Terrier | $100 | $1,195 |
| Miniature Pinscher | $89 | $1,063 |
| Miniature Poodle | $82 | $975 |
| Miniature Schnauzer | $96 | $1,146 |
| Mixed Breed | $109 | $1,311 |
| Mixed Breed Giant (>90 lbs) | $155 | $1,859 |
| Mixed Breed Large (51-90 lbs) | $102 | $1,218 |
| Mixed Breed Medium (31-50 lbs) | $76 | $908 |
| Mixed Breed Small (>10 lbs) | $64 | $755 |
| Mixed Breed Small (11-30 lbs) | $66 | $791 |
| Mixed breed Small (up to 20lbs when full grown) | $62 | $734 |
| Mixed Dog (21-50 pounds) | $90 | $1,079 |
| Mixed Dog (51-90 pounds) | $109 | $1,295 |
| Mixed Dog (91 pounds+) | $114 | $1,364 |
| Morkie | $74 | $891 |
| Newfoundland | $206 | $2,473 |
| Norfolk Terrier | $101 | $1,208 |
| Norwegian Elkhound | $105 | $1,262 |
| Norwich Terrier | $98 | $1,180 |
| Olde English Bulldogge | $229 | $2,747 |
| Old English Buldogge | $184 | $2,209 |
| Old English Sheepdog | $134 | $1,604 |
| Papillon | $86 | $1,036 |
| Pekingese | $94 | $1,128 |
| Pembroke Welsh Corgi | $110 | $1,317 |
| Peruvian Hairless Dog | $95 | $1,141 |
| Petit Basset Griffon Vendeen | $140 | $1,674 |
| Petit Basset Griffon Vendeens | $105 | $1,261 |
| Pitbull | $137 | $1,646 |
| Pointer | $112 | $1,344 |
| Pomeranian | $90 | $1,075 |
| Portuguese Water Dog | $124 | $1,488 |
| Pug | $113 | $1,347 |
| Puggle | $82 | $975 |
| Puli | $117 | $1,395 |
| Rhodesian Ridgeback | $144 | $1,725 |
| Rottweiler | $214 | $2,568 |
| Rough Collie | $119 | $1,429 |
| Saint Bernard | $229 | $2,738 |
| Saluki | $122 | $1,455 |
| Samoyed | $115 | $1,381 |
| Schnoodle | $83 | $996 |
| Scottish Deerhound | $175 | $2,090 |
| Scottish Terrier | $120 | $1,432 |
| Shar Pei | $186 | $2,228 |
| Shetland Sheepdog | $93 | $1,109 |
| Shiba Inu | $82 | $990 |
| Shih Tzu | $74 | $894 |
| Siberian Husky | $100 | $1,201 |
| Small Mix (0-20) | $61 | $718 |
| Small Mix (0-25) | $111 | $1,325 |
| Small Mix (10 and less pounds) | $59 | $716 |
| Small Mix (1-10 pounds) | $62 | $738 |
| Small Mix (11-25) | $59 | $705 |
| Small Mix (11-30) | $70 | $836 |
| Small Mix (20 and under pounds) | $147 | $1,762 |
| Small Mix (22 pounds or less) | $74 | $883 |
| Small Mix (25 and less pounds) | $71 | $844 |
| Small Mix (Under 20 pounds) | $52 | $615 |
| Smooth Collie | $115 | $1,371 |
| Soft Coated Wheaten Terrier | $113 | $1,349 |
| Staffordshire Bull Terrier | $124 | $1,487 |
| Standard Poodle | $119 | $1,429 |
| Standard Schnauzer | $107 | $1,279 |
| Tibetan Mastiff | $204 | $2,439 |
| Tibetan Terrier | $114 | $1,368 |
| Toy Mix (10 and less pounds) | $76 | $910 |
| Toy Poodle | $85 | $1,013 |
| Vizsla | $121 | $1,451 |
| Weimaraner | $147 | $1,761 |
| Welsh Corgi Cardigan | $107 | $1,282 |
| Welsh Corgi Pembroke | $110 | $1,317 |
| Welsh Springer Spaniel | $97 | $1,168 |
*Rates based on 80% reimbursement, $5,000 annual limit and $500 deductible.
Average Pet Cat Insurance Costs in Pennsylvania
Monthly cat insurance rates in Pennsylvania range from $57 for domestic shorthairs to $78 for Abyssinians.
Data filtered by:
Select
| Abyssinian | $78 | $930 |
| Australian Mist | $72 | $857 |
| Balinese | $72 | $854 |
| Bengal | $67 | $804 |
| Birman | $64 | $762 |
| Bombay | $57 | $686 |
| British Longhair | $57 | $687 |
| British Shorthair | $70 | $834 |
| Burmese | $65 | $782 |
| Chinchilla | $65 | $774 |
| Cornish Rex | $70 | $833 |
| Devon Rex | $65 | $778 |
| Domestic Shorthair | $57 | $681 |
| Exotic Shorthair | $78 | $930 |
| Himalayan | $66 | $794 |
| Maine Coon | $75 | $899 |
| Munchkin | $65 | $780 |
| Norwegian Forest cat | $63 | $749 |
| Persian | $70 | $836 |
| Ragdoll | $59 | $704 |
| Russian Blue | $59 | $712 |
| Savannah | $71 | $846 |
| Scottish Fold | $67 | $798 |
| Serengeti | $66 | $792 |
| Siamese | $59 | $702 |
| Siberian | $70 | $841 |
| Snowshoe | $68 | $810 |
| Sphynx | $75 | $894 |
| Tonkinese | $64 | $761 |
*Rates based on 80% reimbursement, $5,000 annual limit and $500 deductible.
Average Pennsylvania Pet Insurance Cost by Age
Age affects pet insurance costs in Pennsylvania more than most factors. Annual premiums range from $236 to $2,323, depending on your pet's age and health risks.
Data filtered by:
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. Costs for the state's largest cities:
Data filtered by:
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
Get quality pet insurance at the lowest price with these five steps:
- 1Determine your pet's coverage needs
Figure out how much coverage fits your pet and budget. Consider what you can afford, common health problems for your pet's breed and vet costs in your area.
- 2Research costs and discounts
Know what pet insurance costs for your pet type and coverage preferences before you shop. Pet insurance offers fewer discounts than other insurance types, but multi-pet and bundling discounts cut costs. Check for low-income pet insurance programs, too.
- 3Evaluate company reputations
Read customer forums for honest feedback about different insurers. Check coverage options, waiting periods and claims handling. Research now saves surprises later when you file a claim.
- 4Compare multiple quotes
Get quotes from several companies to find the best deal. Cat and dog owners gather quotes online in minutes. Exotic pet owners need to call.
- 5Review policy details
Read policy documents carefully. Focus on coverage exclusions and renewal terms. Waiting periods and pre-existing condition rules determine when your coverage starts and what it covers.
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:
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 running higher than in 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
Pet insurance quotes change based on your coverage choices and pet details. We standardized our rate analysis to help Pennsylvania pet owners compare prices accurately across major insurers.
Our Sample Profile
We gathered quotes using middle-ground coverage parameters that balance affordability with meaningful financial protection:
Coverage specifications:
- $5,000 annual limit – Covers most routine claims without maxing out benefits
- 80% reimbursement – The most common reimbursement rate, meaning you pay 20% after the deductible
- $500 deductible – Balances lower premiums with manageable out-of-pocket costs per incident
Sample pets:
- Dogs: 6-year-old Labrador Retriever – One of Pennsylvania's most popular breeds, representing medium to large dogs
- Cats: 7-year-old Ragdoll – A popular breed with moderate health risks, representing typical cat insurance costs
These parameters create a baseline for comparison. Your actual rates depend on your pet's age, breed, health history and your chosen coverage levels.
Using These Rates
Pennsylvania pet owners can adjust our baseline figures to match their situation. Lower annual limits and higher deductibles reduce premiums by 30% to 50%, while higher limits and lower deductibles increase costs. Younger pets cost less to insure, while senior pets (8+ years) have premiums 40% to 100% higher than our middle-aged samples.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.