Based on our survey of major pet insurance providers, pet insurance costs average $322 annually for cats and around $593 for dogs in Wyoming, which is 7% cheaper than the national average for both. However, your pet's breed and age, along with your coverage choice, can make prices vary.
How Much Is Pet Insurance in Wyoming?
Updated: July 28, 2025
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Key Takeaways
In Wyoming, dog insurance averages $49 per month ($593 per year), while cat insurance averages $27 per month ($322 per year).
According to our survey, Wyoming pet insurance costs are 7% lower than the national average for dogs and 7% lower for cats.
Find the best cheap pet insurance in Wyoming by researching providers, selecting appropriate coverage and comparing multiple quotes.
How Much Does Pet Insurance Cost in Wyoming?
| Cat | $27 | $322 |
| Dog | $49 | $593 |
*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 Wyoming?
Below are the key factors affecting pet insurance costs in Wyoming and how influential they are. Click each factor to see pricing details.
Coverage level
Your coverage choice has the biggest impact on what you'll pay. Our baseline accident-only rates average $322 to $593 annually, while comprehensive accident and illness coverage ranges from $507 to $1,003 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 $209 to $805, while dogs cost $593 to $1,103 per year since they tend to have more health problems and pricier vet bills.
Pet age
Insurance costs increase as your pet ages since older animals face higher risks of illness and injury. In Wyoming, annual premiums range from $209 for young pets to $2,065 for senior pets, reflecting the greater likelihood of medical claims as animals get older.
Location
Where you live affects your rates because of local vet costs and regional risks. Wyoming pet insurance runs about $46 less for dogs and $26 less for cats compared to the national average. Cities within Wyoming 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 Wyoming Pet Insurance Costs by Coverage
In Wyoming, your choice of coverage level is the biggest factor in determining pet insurance costs, with monthly premiums ranging from $18 to $446 depending on your selected benefits 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 | $42 | $507 | -7% |
| Dog | $84 | $1,003 | -7% |
Average Wyoming Pet Insurance Cost by Breed
Your pet's type and breed are the second-biggest factors affecting your rates in Wyoming. Our research shows monthly costs range from about $45 to $213 for dogs and $49 to $67 for cats, depending on your pet's breed.
Average Pet Dog Insurance Costs in Wyoming
In the Cowboy State, your dog's breed plays a major role in pet insurance costs, with monthly rates ranging from $45 to $213 per month. Take a look at the breakdown below to see exactly what you'll pay for your specific breed.
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Dog Breed:Affenpinscher
| Affenpinscher | $92 | $1,103 |
*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 Wyoming
Monthly cat insurance rates in Wyoming vary by breed, with costs ranging from $49 for Domestic Shorthairs to $67 for Abyssinian cats, as shown in the detailed breakdown below.
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Cat Breed:Abyssinian
| Abyssinian | $67 | $805 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Wyoming Pet Insurance Cost by Age
Pet age is one of the top three factors affecting insurance costs in Wyoming, with annual premiums ranging from $209 to $2,065 based on your pet's age and increased health risks over time. The table below shows detailed pricing by age group to help you estimate costs for your pet.
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Pet Type:Cat
| Under 1 | $17 | $209 |
| 1 | $19 | $228 |
| 2 | $20 | $245 |
| 3 | $22 | $267 |
| 4 | $24 | $292 |
| 5 | $26 | $317 |
| 6 | $29 | $344 |
| 7 | $39 | $472 |
| 8 | $34 | $404 |
| 9 | $37 | $445 |
| 10 | $41 | $495 |
| 11 | $46 | $555 |
| 12 | $52 | $624 |
| 13 | $56 | $670 |
| 14 | $62 | $746 |
| 15 | $69 | $823 |
| 16 | $76 | $909 |
| 17 | $77 | $925 |
| 18 | $85 | $1,020 |
| 19 | $93 | $1,111 |
| 20 | $100 | $1,201 |
*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 adjustments and sample size variations in our data collection. Overall trends still show increasing premiums with age.
Average Wyoming Pet Insurance Cost by City
Your city barely affects pet insurance rates in Wyoming: just a few dollars difference per year. Below are costs for some of Wyoming's biggest cities.
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Pet Type:Cat
| Cheyenne | $27 | $322 |
*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). Wyoming's smaller population means fewer major metropolitan areas for comparison. Cheyenne represents the state's largest city and typical statewide rates.
How to Get the Best Cheap Pet Insurance in Wyoming
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
Read the policy details before you buy, including coverage limits, deductibles, and exclusions. Check pre-existing condition rules and annual caps so you won't face surprises when filing claims.
Average Pet Insurance Cost in Wyoming: Bottom Line
Pet insurance in Wyoming is more affordable than most states. It's cheaper because vet bills are lower here. Expect to pay around $27 monthly for cats and $49 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 Wyoming: FAQ
Find expert answers to common questions about pet insurance costs in Wyoming below:
How much does pet insurance cost in Wyoming?
In Wyoming, pet insurance costs an average of $49 per month for dogs, but depending on age, pricing ranges from $30 to $172 monthly. Insuring cats in the state costs around $27 monthly, but monthly pricing varies from $17 to $100 by age.
Is Wyoming pet insurance expensive?
Wyoming is relatively affordable for pet insurance coverage for dogs and cats, with costs lower than most states across the country.
How should I go about buying pet insurance in Wyoming?
To buy pet insurance in Wyoming, 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 Wyoming
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.