🐶 Dog vs 🐱 Cat Insurance – Coverage, Costs, and How to Choose the Right Plan

Choosing pet insurance in 2025? This guide breaks down the key differences between dog and cat insurance—from coverage types 🩺 to monthly premiums 💵. Dogs typically cost more to insure, averaging $56–62/month for accident & illness plans, while cats average around $32/month. Accident-only plans are cheaper for both: ~$16/month for dogs and ~$9/month for cats1. Learn how breed, age, and location affect pricing, and get expert tips on selecting the right plan based on your pet’s health, lifestyle, and your budget.