Based on our survey of major insurers, pet insurance costs in Wisconsin average $374 annually for cats and $687 for dogs, 8% and 7% higher than the national average. Your pet's breed and age, along with your coverage choice, affect your costs.
How Much Is Pet Insurance in Wisconsin?
Updated: November 26, 2025
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Key Takeaways
Insurance in Wisconsin for dogs is around $57 per month or $687 per year, and cat premiums are around $31 monthly or $374 annually.
Wisconsin pet insurance premiums for dogs are 7% higher than the national average, and for cats, they're 8% higher.
Get the best cheap pet insurance in Wisconsin by researching many companies, finding the right coverage level for your pet and comparing multiple quotes.
How Much Does Pet Insurance Cost in Wisconsin?
| Cat | $31 | $374 |
| Dog | $57 | $687 |
*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 Wisconsin across different situations:
What Factors Affect Pet Insurance Costs in Wisconsin?
Several factors affect pet insurance costs in Wisconsin. Select each factor to view detailed pricing information.
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 $374 to $687 annually, while comprehensive accident and illness coverage ranges from $589 to $1,161 annually for standard parameters.
Pet type and breed
Cats and dogs cost different amounts to insure, and your pet's breed significantly impacts your rates. Cats cost less to insure, with annual premiums from $243 to $954, while dogs cost $687 to $1,294 per year due to higher health risks and veterinary expenses.
Pet age
Insurance costs increase as pets age due to higher health risks. In Wisconsin, annual premiums start at $243 for young pets and reach $2,391 for senior pets with the same coverage level.
Location
Where you live affects your rates because of local vet costs and regional risks. Wisconsin pet insurance runs about $48 more for dogs and $27 more for cats compared to the national average. Cities within Wisconsin don't vary much, though.
Your vet
When you get quotes, insurers often ask about your vet. Veterinary costs vary by provider, which affects reimbursement amounts and impacts your premiums.
Average Wisconsin Pet Insurance Costs by Coverage
Coverage level drives pet insurance costs in Wisconsin, with monthly premiums ranging from $20 to $517 depending on your benefits and pet type.
Comprehensive accident and illness coverage rates appear below. Your actual rates will vary based on your pet's health history, veterinarian and annual limits.
Data filtered by:
$5,000
80%
$500
| Cat | $49 | $589 | 8% |
| Dog | $97 | $1,161 | 7% |
Average Wisconsin Pet Insurance Cost by Breed
Your pet's type and breed are the second-biggest factors affecting your rates in Wisconsin. Our research shows monthly costs range from about $53 to $250 for dogs and $58 to $80 for cats, depending on your pet's breed.
Average Pet Dog Insurance Costs in Wisconsin
In Wisconsin, your dog's breed impacts pet insurance costs, with monthly rates ranging from $53 for small mixed breeds to $250 for Bullmastiffs. Find specific insurance rates for your dog's breed below.
Data filtered by:
Select
| Affenpinscher | $108 | $1,294 |
| Afghan Hound | $127 | $1,521 |
| Airedale Terrier | $136 | $1,626 |
| Akita | $139 | $1,664 |
| Alaskan Husky | $111 | $1,334 |
| Alaskan Malamute | $130 | $1,564 |
| Alsatian | $147 | $1,759 |
| Alsation | $137 | $1,647 |
| American Bulldog | $181 | $2,176 |
| American Bully | $169 | $2,031 |
| American Eskimo | $95 | $1,136 |
| American Foxhound | $108 | $1,297 |
| American Hairless Terrier | $93 | $1,109 |
| American Staffordshire Terrier | $148 | $1,777 |
| Australian Cattle Dog | $105 | $1,256 |
| Australian Kelpie | $112 | $1,340 |
| Australian Shepherd | $90 | $1,073 |
| Australian Silky Terrier | $92 | $1,104 |
| Australian Terrier | $98 | $1,175 |
| Basenji | $94 | $1,127 |
| Basset Fauve de Bretagne | $122 | $1,464 |
| Basset Hound | $150 | $1,797 |
| Beagle | $112 | $1,340 |
| Bearded Collie | $104 | $1,241 |
| Belgian Shepherd Malinois | $124 | $1,493 |
| Bernese Mountain Dog | $244 | $2,923 |
| Bichon Frise | $99 | $1,193 |
| Bloodhound | $174 | $2,094 |
| Border Collie | $94 | $1,122 |
| Border Terrier | $98 | $1,179 |
| Borzoi | $151 | $1,801 |
| Boston Terrier | $106 | $1,270 |
| Boxer | $174 | $2,093 |
| Bracco Italiano | $123 | $1,477 |
| Briard | $131 | $1,573 |
| British Bulldog | $212 | $2,539 |
| Brussels Griffon | $103 | $1,229 |
| Bullmastiff | $243 | $2,917 |
| Bull Mastiff | $250 | $3,005 |
| Bull Terrier | $148 | $1,774 |
| Cairn Terrier | $104 | $1,250 |
| Cane Corso | $202 | $2,423 |
| Caucasian Shepherd Dog | $187 | $2,238 |
| Cavachon | $85 | $1,016 |
| Cavalier King Charles Spaniel | $112 | $1,343 |
| Cavapoo | $81 | $975 |
| Central Asian Shepherd Dog | $165 | $1,976 |
| Chihuahua | $70 | $838 |
| Chow Chow | $131 | $1,566 |
| Clumber Spaniel | $137 | $1,642 |
| Cockapoo | $79 | $946 |
| Cocker spaniel | $120 | $1,432 |
| Collie | $114 | $1,369 |
| Corgi | $128 | $1,539 |
| Coton De Tulear | $91 | $1,083 |
| Dachshund | $92 | $1,099 |
| Dalmatian | $147 | $1,758 |
| Dingo | $94 | $1,132 |
| Doberman Pincher | $171 | $2,055 |
| Doberman Pinscher | $238 | $2,861 |
| Dogue de Bordeaux | $246 | $2,958 |
| English Bulldog | $220 | $2,639 |
| English Foxhound | $105 | $1,256 |
| English Mastiff | $222 | $2,663 |
| English Pointer | $123 | $1,478 |
| English Setter | $120 | $1,444 |
| English Springer Spaniel | $112 | $1,346 |
| English Toy Terrier | $95 | $1,140 |
| Estrela Mountain Dog | $154 | $1,843 |
| Field Spaniel | $114 | $1,370 |
| Finnish Lapphund | $106 | $1,275 |
| Foxhound | $110 | $1,322 |
| Fox Terrier | $98 | $1,168 |
| French Bulldog | $196 | $2,350 |
| German Pinscher | $102 | $1,224 |
| German Shepherd | $128 | $1,535 |
| German Shorthaired Pointer | $116 | $1,388 |
| German Spitz | $111 | $1,326 |
| Giant Mix (100 pounds+) | $121 | $1,441 |
| Giant Mix (110 pounds+) | $113 | $1,361 |
| Giant Mix (111 pounds+) | $104 | $1,245 |
| Giant Mix (90 pounds+) | $153 | $1,826 |
| Goldendoodle | $98 | $1,176 |
| Golden Retriever | $133 | $1,596 |
| Gordon Setter | $150 | $1,793 |
| Great Dane | $222 | $2,662 |
| Great Pyrenees | $149 | $1,790 |
| Greyhound | $146 | $1,748 |
| Groodle | $89 | $1,066 |
| Harrier | $115 | $1,378 |
| Havanese | $81 | $978 |
| Hungarian Vizsla | $143 | $1,711 |
| Husky | $99 | $1,183 |
| Icelandic Sheepdog | $108 | $1,298 |
| Irish Setter | $129 | $1,554 |
| Irish Terrier | $107 | $1,277 |
| Italian Greyhound | $106 | $1,265 |
| Italian Spinone | $121 | $1,446 |
| Jack Russell Terrier | $79 | $948 |
| Japanese Chin | $92 | $1,105 |
| Japanese Spitz | $93 | $1,110 |
| Kangal Shepherd Dog | $201 | $2,412 |
| Keeshond | $116 | $1,393 |
| Komondor | $141 | $1,689 |
| Labradoodle | $98 | $1,174 |
| Labrador Retriever | $127 | $1,526 |
| Large Mix (51-100 pounds) | $104 | $1,251 |
| Large Mix (51-110 pounds) | $95 | $1,146 |
| Large Mix (55-90 pounds) | $106 | $1,278 |
| Large Mix (60-109 pounds) | $113 | $1,361 |
| Large Mix (61+ pounds) | $104 | $1,254 |
| Large Mix (71+ pounds) | $188 | $2,255 |
| Large Mix (Over 70 pounds) | $103 | $1,246 |
| Lhasa Apso | $91 | $1,089 |
| Lurcher | $148 | $1,783 |
| Maltese | $89 | $1,064 |
| Maltipoo | $73 | $884 |
| Medium Mix (20-55 pounds) | $82 | $999 |
| Medium Mix (20-70 pounds) | $87 | $1,049 |
| Medium Mix (21-70 pounds) | $195 | $2,346 |
| Medium Mix (23-70 pounds) | $105 | $1,256 |
| Medium Mix (26-50 pounds) | $87 | $1,045 |
| Medium Mix (26-59 pounds) | $113 | $1,361 |
| Medium Mix (31-50 pounds) | $88 | $1,051 |
| Medium Mix (31-59 pounds) | $86 | $1,033 |
| Miniature Bull Terrier | $148 | $1,782 |
| Miniature Dachshund | $97 | $1,159 |
| Miniature Fox Terrier | $102 | $1,227 |
| Miniature Pinscher | $91 | $1,092 |
| Miniature Poodle | $84 | $1,001 |
| Miniature Schnauzer | $98 | $1,177 |
| Mixed Breed | $112 | $1,347 |
| Mixed Breed Giant (>90 lbs) | $159 | $1,909 |
| Mixed Breed Large (51-90 lbs) | $105 | $1,251 |
| Mixed Breed Medium (31-50 lbs) | $78 | $932 |
| Mixed Breed Small (>10 lbs) | $65 | $775 |
| Mixed Breed Small (11-30 lbs) | $67 | $813 |
| Mixed breed Small (up to 20lbs when full grown) | $63 | $753 |
| Mixed Dog (21-50 pounds) | $92 | $1,107 |
| Mixed Dog (51-90 pounds) | $112 | $1,329 |
| Mixed Dog (91 pounds+) | $117 | $1,401 |
| Morkie | $76 | $914 |
| Newfoundland | $212 | $2,539 |
| Norfolk Terrier | $103 | $1,240 |
| Norwegian Elkhound | $108 | $1,296 |
| Norwich Terrier | $101 | $1,211 |
| Olde English Bulldogge | $235 | $2,820 |
| Old English Buldogge | $189 | $2,268 |
| Old English Sheepdog | $137 | $1,647 |
| Papillon | $88 | $1,063 |
| Pekingese | $97 | $1,158 |
| Pembroke Welsh Corgi | $113 | $1,352 |
| Peruvian Hairless Dog | $98 | $1,171 |
| Petit Basset Griffon Vendeen | $143 | $1,719 |
| Petit Basset Griffon Vendeens | $108 | $1,295 |
| Pitbull | $141 | $1,690 |
| Pointer | $115 | $1,379 |
| Pomeranian | $92 | $1,103 |
| Portuguese Water Dog | $127 | $1,528 |
| Pug | $116 | $1,383 |
| Puggle | $84 | $1,002 |
| Puli | $120 | $1,432 |
| Rhodesian Ridgeback | $148 | $1,771 |
| Rottweiler | $220 | $2,637 |
| Rough Collie | $122 | $1,467 |
| Saint Bernard | $234 | $2,811 |
| Saluki | $125 | $1,494 |
| Samoyed | $118 | $1,418 |
| Schnoodle | $85 | $1,023 |
| Scottish Deerhound | $179 | $2,145 |
| Scottish Terrier | $123 | $1,471 |
| Shar Pei | $190 | $2,287 |
| Shetland Sheepdog | $95 | $1,138 |
| Shiba Inu | $84 | $1,016 |
| Shih Tzu | $76 | $918 |
| Siberian Husky | $103 | $1,233 |
| Small Mix (0-20) | $62 | $737 |
| Small Mix (0-25) | $113 | $1,361 |
| Small Mix (10 and less pounds) | $61 | $735 |
| Small Mix (1-10 pounds) | $63 | $758 |
| Small Mix (11-25) | $60 | $724 |
| Small Mix (11-30) | $72 | $858 |
| Small Mix (20 and under pounds) | $151 | $1,809 |
| Small Mix (22 pounds or less) | $76 | $907 |
| Small Mix (25 and less pounds) | $73 | $867 |
| Small Mix (Under 20 pounds) | $53 | $631 |
| Smooth Collie | $117 | $1,408 |
| Soft Coated Wheaten Terrier | $116 | $1,385 |
| Staffordshire Bull Terrier | $127 | $1,527 |
| Standard Poodle | $122 | $1,467 |
| Standard Schnauzer | $109 | $1,314 |
| Tibetan Mastiff | $209 | $2,504 |
| Tibetan Terrier | $117 | $1,404 |
| Toy Mix (10 and less pounds) | $78 | $935 |
| Toy Poodle | $87 | $1,040 |
| Vizsla | $124 | $1,490 |
| Weimaraner | $151 | $1,808 |
| Welsh Corgi Cardigan | $110 | $1,316 |
| Welsh Corgi Pembroke | $113 | $1,352 |
| Welsh Springer Spaniel | $100 | $1,199 |
*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 Wisconsin
A cat's breed impacts insurance costs. Monthly premiums in Wisconsin range from $58 for domestic shorthairs to $80 for Abyssinians.
Data filtered by:
Select
| Abyssinian | $80 | $954 |
| Australian Mist | $73 | $879 |
| Balinese | $73 | $876 |
| Bengal | $69 | $824 |
| Birman | $65 | $782 |
| Bombay | $59 | $704 |
| British Longhair | $59 | $704 |
| British Shorthair | $71 | $855 |
| Burmese | $67 | $802 |
| Chinchilla | $66 | $794 |
| Cornish Rex | $71 | $854 |
| Devon Rex | $67 | $797 |
| Domestic Shorthair | $58 | $699 |
| Exotic Shorthair | $80 | $953 |
| Himalayan | $68 | $814 |
| Maine Coon | $77 | $921 |
| Munchkin | $67 | $800 |
| Norwegian Forest cat | $64 | $768 |
| Persian | $72 | $857 |
| Ragdoll | $60 | $722 |
| Russian Blue | $61 | $730 |
| Savannah | $72 | $868 |
| Scottish Fold | $68 | $818 |
| Serengeti | $68 | $813 |
| Siamese | $60 | $719 |
| Siberian | $72 | $863 |
| Snowshoe | $69 | $830 |
| Sphynx | $77 | $917 |
| Tonkinese | $65 | $780 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Wisconsin Pet Insurance Cost by Age
A pet's age impacts insurance costs in Wisconsin. Annual rates range from $243 to $2,391, with older pets paying more due to increased health risks. Find typical costs for your pet's age group below.
Data filtered by:
Cat
| Under 1 | $20 | $243 |
| 1 | $22 | $265 |
| 2 | $24 | $284 |
| 3 | $26 | $310 |
| 4 | $28 | $339 |
| 5 | $31 | $369 |
| 6 | $33 | $399 |
| 7 | $46 | $548 |
| 8 | $39 | $470 |
| 9 | $43 | $517 |
| 10 | $48 | $575 |
| 11 | $54 | $644 |
| 12 | $60 | $725 |
| 13 | $65 | $778 |
| 14 | $72 | $865 |
| 15 | $80 | $956 |
| 16 | $88 | $1,055 |
| 17 | $89 | $1,072 |
| 18 | $99 | $1,183 |
| 19 | $108 | $1,288 |
| 20 | $116 | $1,392 |
*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 Wisconsin Pet Insurance Cost by City
Pet insurance rates vary by only a few dollars per year across Wisconsin cities. Costs for the state's largest cities appear below.
Data filtered by:
Cat
| Green Bay | $31 | $373 |
| Madison | $31 | $375 |
| Milwaukee | $31 | $374 |
*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). Some age brackets may show slight premium decreases due to insurer risk modeling, though premiums generally increase with age.
How to Get the Best Cheap Pet Insurance in Wisconsin
Getting affordable pet insurance means comparing multiple quotes and understanding what you're actually buying.
- 1Determine your pet's coverage needs
Check your budget and your pet's breed-specific health risks to assess how much coverage you need. Golden Retrievers often need hip dysplasia coverage, while most Bulldogs require respiratory care. Call your vet to get typical costs for common procedures. For example, a broken leg repair can cost $2,000 to $5,000 without insurance.
- 2Research costs and discounts
Check average costs for your pet's age, breed and coverage level to know what fair pricing looks like. Multi-pet discounts can save you money when you insure multiple animals. Some insurers offer bundling deals if you already have home or auto insurance with them. Also, check your eligibility for low-income pet insurance programs.
- 3Evaluate provider reputations
Check customer reviews on forums and the Better Business Bureau before buying. Look for feedback about claims processing speed and customer service responsiveness. Fast claim payments matter when you're facing a $3,000 emergency vet bill.
- 4Compare multiple quotes
Get quotes from at least three insurers. You'll get instant online quotes for cats and dogs. Rabbit, bird or reptile? You'll need to call.
- 5Review policy details
Read the fine print on exclusions, waiting periods and pre-existing condition clauses before signing up. Most policies won't cover conditions diagnosed before your coverage starts. Check renewal terms to avoid surprise rate increases after your first year.
Average Pet Insurance Cost in Wisconsin: Bottom Line
Pet insurance in Wisconsin costs more than most states due to higher veterinary costs. Expect to pay around $31 monthly for cats and $57 for dogs, though your actual costs depend on your pet's breed, age and coverage choice.
Want better rates? First, determine what coverage you need, then shop around. Get quotes from several insurers before you commit.
Pet Insurance Cost in Wisconsin: FAQ
Find expert answers to common questions about pet insurance costs in Wisconsin below:
How much does pet insurance cost in Wisconsin?
In Wisconsin, pet insurance averages $57 per month for dogs, with rates ranging from $35 to $199 monthly depending on age. Cat insurance averages $31 monthly, with rates ranging from $20 to $116 depending on age.
Is Wisconsin pet insurance expensive?
Yes. Wisconsin ranks among the more expensive states for pet insurance, with costs 7% to 8% above the national average.
How should I go about buying pet insurance in Wisconsin?
To buy pet insurance in Wisconsin, follow these steps: determine your coverage needs, research costs and discounts, evaluate company reputations, review coverage details and compare multiple quotes.
How We Determined Average Pet Insurance Costs in Wisconsin
Wisconsin pet owners encounter hundreds of coverage combinations when shopping for insurance. We standardized our analysis to help you compare rates fairly across breeds, ages and cities throughout the state.
Our Sample Profile
We gathered quotes using these specifications, which represent the most common coverage choices among Wisconsin pet owners:
- $5,000 annual limit – Balances comprehensive coverage with affordable premiums
- 80% reimbursement – The most popular reimbursement level nationwide
- $500 deductible – A moderate option that keeps monthly costs manageable
- Dog sample: 6-year-old Labrador Retriever – Wisconsin's most popular breed, mid-range health risk
- Cat sample: 7-year-old Ragdoll – Common breed with typical health needs
Why These Parameters Matter
These coverage levels let you see how your pet's characteristics (breed, age and location) affect your costs. If you choose different coverage options (like 90% reimbursement or a $250 deductible), your actual rates will differ from our baseline figures.
How to Use This Data
The rates throughout this article show relative cost differences. A breed that costs 20% more than our sample will likely cost 20% more at any coverage level you choose. This helps you budget accurately regardless of your final coverage decisions.
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.