Based on our survey of major pet insurance providers, pet insurance costs average $324 annually for cats and around $596 for dogs in Vermont, which is 7% cheaper than the national average. However, your pet's breed and age, along with your coverage choice, can make prices vary.
How Much Is Pet Insurance in Vermont?
Updated: April 28, 2026
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Key Takeaways
In Vermont, dog insurance averages $50 per month ($596 per year), while cat insurance averages $27 per month ($324 per year).
According to our survey, Vermont pet insurance costs are 7% lower than the national average for both dogs and cats.
You can find the best cheap pet insurance in Vermont by researching providers, selecting appropriate coverage and comparing multiple quotes.
How Much Does Pet Insurance Cost in Vermont?
| Cat | $27 | $324 |
| Dog | $50 | $596 |
*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.
Our guides below can help you better understand the best pet insurance in Vermont across different situations:
What Factors Affect Pet Insurance Costs in Vermont?
Several factors influence pet insurance costs in Vermont, from your pet's age to your chosen coverage level — expand each section below to see how these elements affect your premium.
Coverage level
Your deductible, annual limit and reimbursement rate choices have the biggest impact on what you'll pay. Our baseline accident-only rates average $324 to $596 annually, while comprehensive accident and illness coverage ranges from $510 to $1,007 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 $210 to $818, while dogs cost $596 to $1,116 per year since they tend to have more health problems and pricier vet bills.
Pet age
Insurance costs increase as pets age because they become more susceptible to health issues and accidents. In Vermont, annual premiums can vary from $210 for young pets to $2,074 for senior pets, assuming all other factors remain constant.
Location
Your location affects pet insurance rates through factors like local veterinary costs and regional health risks. Vermont pet insurance costs about $23 lower than the national average for cats and $43 lower for dogs annually. Our research shows minimal variation in rates across Vermont cities.
Your vet
The veterinary clinic you choose influences your insurance premiums because treatment costs vary between providers. Insurance companies consider your primary vet's typical service rates when determining your premium costs.
Average Vermont Pet Insurance Costs by Coverage
In Vermont, your choice of coverage level is the biggest factor in determining pet insurance costs, with monthly premiums ranging from $18 to $448 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, like annual limits.
Data filtered by:
$5,000
80%
$500
| Cat | $43 | $510 | -7% |
| Dog | $84 | $1,007 | -7% |
Average Vermont Pet Insurance Cost by Breed
Pet type and breed significantly influence insurance costs, with monthly rates varying dramatically based on your animal's genetics and size. Based on national data, pet insurance premiums range from $46 to $216 per month across different cat and dog breeds.
Average Pet Dog Insurance Costs in Vermont
In Vermont, your dog's breed affects pet insurance costs. Monthly rates range from $46 for small mixed breeds to $216 for Bull Mastiffs. This table shows specific insurance rates by breed.
Data filtered by:
Select
| Small Mix (Under 20 pounds) | $47 | $561 |
| Small Mix (11-25) | $54 | $644 |
| Small Mix (10 and less pounds) | $54 | $654 |
| Small Mix (0-20) | $55 | $656 |
| Small Mix (1-10 pounds) | $56 | $674 |
| Mixed breed Small (up to 20lbs when full grown) | $56 | $670 |
| Mixed Breed Small (>10 lbs) | $58 | $689 |
| Mixed Breed Small (11-30 lbs) | $60 | $723 |
| Chihuahua | $62 | $744 |
| Small Mix (11-30) | $64 | $763 |
| Small Mix (25 and less pounds) | $65 | $771 |
| Maltipoo | $65 | $788 |
| Small Mix (22 pounds or less) | $67 | $807 |
| Morkie | $67 | $813 |
| Shih Tzu | $68 | $816 |
| Toy Mix (10 and less pounds) | $69 | $831 |
| Mixed Breed Medium (31-50 lbs) | $70 | $829 |
| Cockapoo | $70 | $843 |
| Jack Russell Terrier | $70 | $843 |
| Cavapoo | $72 | $868 |
| Havanese | $72 | $870 |
| Medium Mix (20-55 pounds) | $73 | $889 |
| Miniature Poodle | $74 | $891 |
| Puggle | $74 | $892 |
| Yorkshire terrier | $75 | $900 |
| Shiba Inu | $75 | $904 |
| Cavachon | $75 | $903 |
| Schnoodle | $76 | $911 |
| Medium Mix (31-59 pounds) | $76 | $919 |
| Toy Poodle | $77 | $924 |
| Medium Mix (26-50 pounds) | $77 | $930 |
| Medium Mix (20-70 pounds) | $78 | $933 |
| Medium Mix (31-50 pounds) | $78 | $934 |
| Papillon | $79 | $946 |
| Maltese | $79 | $948 |
| Groodle | $79 | $948 |
| Australian Shepherd | $80 | $954 |
| Coton De Tulear | $81 | $964 |
| Lhasa Apso | $81 | $968 |
| Miniature Pinscher | $81 | $971 |
| Dachshund | $82 | $976 |
| Mixed Dog (21-50 pounds) | $82 | $984 |
| Pomeranian | $82 | $981 |
| Japanese Chin | $82 | $983 |
| Australian Silky Terrier | $82 | $983 |
| American Hairless Terrier | $82 | $984 |
| Japanese Spitz | $82 | $985 |
| Border Collie | $83 | $997 |
| Basenji | $84 | $1,003 |
| Dingo | $84 | $1,009 |
| American Eskimo | $84 | $1,008 |
| English Toy Terrier | $84 | $1,012 |
| Shetland Sheepdog | $85 | $1,013 |
| Large Mix (51-110 pounds) | $85 | $1,019 |
| Miniature Dachshund | $86 | $1,030 |
| Pekingese | $86 | $1,031 |
| Fox Terrier | $87 | $1,039 |
| Peruvian Hairless Dog | $87 | $1,042 |
| Labradoodle | $87 | $1,043 |
| Goldendoodle | $87 | $1,045 |
| Australian Terrier | $87 | $1,047 |
| Miniature Schnauzer | $87 | $1,048 |
| West Highland White Terrier | $87 | $1,048 |
| Border Terrier | $87 | $1,049 |
| Husky | $88 | $1,049 |
| Bichon Frise | $89 | $1,062 |
| Welsh Springer Spaniel | $89 | $1,065 |
| Norwich Terrier | $90 | $1,079 |
| German Pinscher | $91 | $1,089 |
| Miniature Fox Terrier | $91 | $1,092 |
| Brussels Griffon | $91 | $1,094 |
| Siberian Husky | $91 | $1,097 |
| Large Mix (Over 70 pounds) | $92 | $1,108 |
| Norfolk Terrier | $92 | $1,104 |
| Bearded Collie | $92 | $1,103 |
| Giant Mix (111 pounds+) | $92 | $1,107 |
| Large Mix (51-100 pounds) | $93 | $1,112 |
| Large Mix (61+ pounds) | $93 | $1,115 |
| Mixed Breed Large (51-90 lbs) | $93 | $1,112 |
| Australian Cattle Dog | $93 | $1,117 |
| Medium Mix (23-70 pounds) | $93 | $1,117 |
| Cairn Terrier | $93 | $1,113 |
| English Foxhound | $93 | $1,118 |
| Italian Greyhound | $94 | $1,127 |
| Large Mix (55-90 pounds) | $94 | $1,137 |
| Finnish Lapphund | $94 | $1,134 |
| Boston Terrier | $94 | $1,131 |
| Irish Terrier | $95 | $1,137 |
| Whippet | $95 | $1,139 |
| Wire Fox Terrier | $95 | $1,146 |
| Petit Basset Griffon Vendeens | $96 | $1,151 |
| Norwegian Elkhound | $96 | $1,152 |
| Affenpinscher | $96 | $1,153 |
| Icelandic Sheepdog | $96 | $1,155 |
| American Foxhound | $96 | $1,155 |
| Standard Schnauzer | $97 | $1,169 |
| Welsh Corgi Cardigan | $97 | $1,171 |
| Foxhound | $98 | $1,177 |
| German Spitz | $98 | $1,178 |
| Alaskan Husky | $99 | $1,185 |
| Australian Kelpie | $99 | $1,192 |
| Beagle | $99 | $1,192 |
| Mixed Dog (51-90 pounds) | $99 | $1,182 |
| Mixed Breed | $99 | $1,198 |
| English Springer Spaniel | $100 | $1,198 |
| Cavalier King Charles Spaniel | $100 | $1,195 |
| Pembroke Welsh Corgi | $100 | $1,204 |
| Welsh Corgi Pembroke | $100 | $1,204 |
| Giant Mix (110 pounds+) | $101 | $1,210 |
| Large Mix (60-109 pounds) | $101 | $1,210 |
| Medium Mix (26-59 pounds) | $101 | $1,210 |
| Small Mix (0-25) | $101 | $1,210 |
| Welsh Terrier | $101 | $1,212 |
| Field Spaniel | $101 | $1,218 |
| Collie | $101 | $1,216 |
| Pointer | $102 | $1,228 |
| Harrier | $102 | $1,227 |
| Soft Coated Wheaten Terrier | $103 | $1,233 |
| Pug | $103 | $1,231 |
| Keeshond | $103 | $1,239 |
| German Shorthaired Pointer | $103 | $1,236 |
| Mixed Dog (91 pounds+) | $104 | $1,245 |
| Tibetan Terrier | $104 | $1,251 |
| Smooth Collie | $105 | $1,253 |
| Samoyed | $105 | $1,262 |
| Cocker spaniel | $106 | $1,273 |
| Puli | $107 | $1,277 |
| English Setter | $107 | $1,286 |
| Italian Spinone | $107 | $1,288 |
| Giant Mix (100 pounds+) | $107 | $1,281 |
| Rough Collie | $109 | $1,302 |
| Basset Fauve de Bretagne | $109 | $1,302 |
| Standard Poodle | $109 | $1,308 |
| Scottish Terrier | $109 | $1,310 |
| Bracco Italiano | $110 | $1,316 |
| English Pointer | $110 | $1,316 |
| Vizsla | $110 | $1,326 |
| Belgian Shepherd Malinois | $111 | $1,329 |
| Saluki | $111 | $1,329 |
| Labrador Retriever | $113 | $1,357 |
| Afghan Hound | $113 | $1,357 |
| Staffordshire Bull Terrier | $113 | $1,360 |
| Portuguese Water Dog | $113 | $1,361 |
| Corgi | $114 | $1,366 |
| German Shepherd | $114 | $1,366 |
| Irish Setter | $115 | $1,385 |
| Alaskan Malamute | $116 | $1,393 |
| Chow Chow | $116 | $1,395 |
| Briard | $117 | $1,400 |
| Golden Retriever | $118 | $1,420 |
| Airedale Terrier | $121 | $1,448 |
| Alsation | $122 | $1,461 |
| Clumber Spaniel | $122 | $1,463 |
| Old English Sheepdog | $122 | $1,468 |
| Akita | $124 | $1,479 |
| Pitbull | $125 | $1,505 |
| Komondor | $125 | $1,505 |
| Hungarian Vizsla | $127 | $1,521 |
| Petit Basset Griffon Vendeen | $127 | $1,529 |
| Greyhound | $130 | $1,556 |
| Alsatian | $130 | $1,565 |
| Dalmatian | $130 | $1,566 |
| Rhodesian Ridgeback | $131 | $1,577 |
| Lurcher | $131 | $1,580 |
| Bull Terrier | $131 | $1,579 |
| American Staffordshire Terrier | $132 | $1,582 |
| Miniature Bull Terrier | $132 | $1,588 |
| Great Pyrenees | $132 | $1,591 |
| Gordon Setter | $133 | $1,600 |
| Basset Hound | $133 | $1,601 |
| Small Mix (20 and under pounds) | $134 | $1,608 |
| Borzoi | $134 | $1,603 |
| Weimaraner | $134 | $1,611 |
| Giant Mix (90 pounds+) | $136 | $1,624 |
| Estrela Mountain Dog | $137 | $1,644 |
| Mixed Breed Giant (>90 lbs) | $141 | $1,697 |
| Central Asian Shepherd Dog | $146 | $1,755 |
| American Bully | $150 | $1,806 |
| Doberman Pincher | $153 | $1,833 |
| Bloodhound | $155 | $1,862 |
| Boxer | $156 | $1,869 |
| Scottish Deerhound | $159 | $1,913 |
| American Bulldog | $161 | $1,938 |
| Caucasian Shepherd Dog | $165 | $1,985 |
| Large Mix (71+ pounds) | $167 | $2,003 |
| Old English Buldogge | $168 | $2,023 |
| Shar Pei | $170 | $2,038 |
| Medium Mix (21-70 pounds) | $174 | $2,085 |
| French Bulldog | $174 | $2,091 |
| Kangal Shepherd Dog | $178 | $2,139 |
| Cane Corso | $179 | $2,154 |
| Tibetan Mastiff | $185 | $2,226 |
| British Bulldog | $188 | $2,259 |
| Newfoundland | $188 | $2,259 |
| Rottweiler | $195 | $2,341 |
| English Bulldog | $196 | $2,350 |
| Great Dane | $197 | $2,367 |
| English Mastiff | $198 | $2,374 |
| Saint Bernard | $208 | $2,495 |
| Olde English Bulldogge | $209 | $2,508 |
*These rates reflect 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average Pet Cat Insurance Costs in Vermont
Monthly cat insurance rates in Vermont vary by breed, ranging from $50 to $68.
Data filtered by:
Select
| Domestic Shorthair | $51 | $616 |
| British Longhair | $52 | $622 |
| Bombay | $52 | $621 |
| Siamese | $53 | $636 |
| Ragdoll | $53 | $638 |
| Russian Blue | $54 | $645 |
| Norwegian Forest cat | $56 | $677 |
| Tonkinese | $57 | $688 |
| Birman | $57 | $689 |
| Chinchilla | $58 | $701 |
| Devon Rex | $59 | $703 |
| Munchkin | $59 | $706 |
| Burmese | $59 | $709 |
| Serengeti | $60 | $717 |
| Himalayan | $60 | $718 |
| Scottish Fold | $60 | $722 |
| Bengal | $61 | $727 |
| Snowshoe | $61 | $732 |
| Cornish Rex | $63 | $754 |
| British Shorthair | $63 | $755 |
| Persian | $63 | $757 |
| Siberian | $64 | $760 |
| Savannah | $64 | $763 |
| Balinese | $65 | $773 |
| Australian Mist | $65 | $775 |
| Maine Coon | $68 | $813 |
| Sphynx | $68 | $810 |
| Abyssinian | $70 | $842 |
| Exotic Shorthair | $70 | $842 |
*These rates reflect 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average Vermont Pet Insurance Cost by Age
A pet's age ranks as the third most influential factor in Vermont insurance pricing, with annual costs ranging from $210 to $2,074 depending on the animal's age and species. The table below shows how rates increase as pets get older, reflecting the higher health risks that come with age.
Data filtered by:
Cat
| Under 1 | $18 | $210 |
| 1 | $19 | $230 |
| 2 | $20 | $246 |
| 3 | $22 | $268 |
| 4 | $24 | $294 |
| 5 | $27 | $319 |
| 6 | $29 | $346 |
| 7 | $40 | $474 |
| 8 | $34 | $407 |
| 9 | $37 | $448 |
| 10 | $42 | $498 |
| 11 | $47 | $558 |
| 12 | $52 | $628 |
| 13 | $56 | $675 |
| 14 | $63 | $750 |
| 15 | $69 | $829 |
| 16 | $76 | $915 |
| 17 | $78 | $930 |
| 18 | $86 | $1,026 |
| 19 | $93 | $1,117 |
| 20 | $101 | $1,207 |
*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 Vermont Pet Insurance Cost by City
Your city barely affects pet insurance rates in Vermont: just a few dollars difference per year. Below are costs for some of Vermont's biggest cities.
Data filtered by:
Cat
| Burlington | $27 | $324 |
*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). Vermont's smaller population means fewer major metropolitan areas for comparison. Burlington represents the state's largest city and typical statewide rates.
How to Get the Best Cheap Pet Insurance in Vermont
Follow these steps to find affordable pet insurance in Vermont.
- 1Determine Your Coverage Needs
Before you buy a policy, think about how much coverage makes sense for your pet and your budget. Consider your pet’s breed, any health issues they’re prone to and the usual vet costs in your area.
- 2Research Costs and Discounts
Check the average cost of pet insurance based on your pet’s age, type and the deductible, annual limit and reimbursement rate you want. Discounts are limited, but you may save through multi-pet policies, bundling with other products or low-income assistance programs if you qualify.
- 3Evaluate Company Reputations
Look at customer reviews and feedback on reliable sites to get a feel for how insurers handle claims and support pet owners. Pay attention to coverage details, waiting periods and how smoothly the claims process works.
- 4Compare Multiple Quotes
Collect quotes from at least three companies to see which one offers the best value. Most insurers give quick online quotes for cats and dogs, but exotic pets may require reaching out directly since coverage varies by provider.
- 5Review Policy Details
Carefully review the policy details, including coverage exclusions, pre-existing condition rules and the renewal terms. It also helps to know exactly what conditions are covered, the waiting periods and how reimbursements are handled before you decide on a plan.
Average Pet Insurance Cost in Vermont: Bottom Line
Pet insurance in Vermont is relatively cheaper compared to most states, with monthly premiums averaging $50 for dogs and $27 for cats. Your actual costs will vary based on your pet's breed, age and the coverage level you select. Compare quotes from multiple insurers to find the most suitable coverage for your pet's needs.
Pet Insurance Cost in Vermont: FAQ
We've compiled comprehensive answers to the most common questions about pet insurance costs and pricing options in Vermont to help you make an informed decision.
How much does pet insurance cost in Vermont?
In Vermont, dog insurance averages $50 per month, with age-based monthly costs ranging from $3 to $14. Cat coverage costs about $27 monthly on average, with age-based rates varying from $1 to $8 per month.
Is Vermont pet insurance expensive?
Vermont is relatively affordable for pet insurance when insuring dogs and cats, ranking 28th among all U.S. states for coverage costs.
How should I go about buying pet insurance in Vermont?
Determine your desired coverage level, research provider ratings and policy details, compare quotes from multiple insurers, and check available discounts before purchasing pet insurance.
How We Determined Average Pet Insurance Costs in Vermont
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 Connor Bolton
Connor Bolton is Senior SEO and Content Manager at MoneyGeek, where he leads the business and pet insurance editorial teams. As editorial lead for both verticals, Connor sets the research framework, data standards, and content structure that his writers execute, directly authoring in-depth guides himself and reviewing all team content for accuracy and practical value before it goes live. With over four years evaluating insurance products across personal, commercial, and specialty lines, he brings cross-vertical knowledge to every guide the team produces.
Connor architected MoneyGeek's insurance research infrastructure across all major verticals including auto, home, renters, life, health, business, and pet, building systems for pricing analysis, provider-level research, customer experience evaluation, and coverage analysis with AI support. The infrastructure includes over 6 million data points for business insurance across 408 industry areas, all 50 states, and 16 vehicle types, and over 5 million pet insurance profiles across 18 major providers and hundreds of breed and age combinations. Connor's insurance cost research and his team's work has been cited by the U.S. Chamber of Commerce, Allstate, Liberty Mutual, CBS News, Forbes and LegalZoom.
Beyond the data, Connor stays connected to how the market actually operates, drawing on direct conversations with underwriters and carrier liaisons at Ethos, The Hartford, NEXT Insurance, Nationwide, and State Farm, and monitoring business and pet owner communities including Reddit, to inform how he interprets findings and frames guidance for real buyers.
He is the direct editorial contact for methodology questions at connor@moneygeek.com and can be found on LinkedIn.