Important — how to interpret this result: NAPHIA 2025 reports the US dog A&I average at $69.67/month and cats at $36.25/month — but these are all-breed, all-age, all-state averages. NAPHIA does not publish size or breed breakdowns publicly. The benchmarks in this tool are PawClaim estimates derived from the NAPHIA all-pet average, adjusted by size category, age, state, and coverage terms.
These are estimates, not actuarial data. Actual premiums vary 40-60% based on your exact zip code, breed, health history, and insurer. Use this as a directional guide only — always get actual quotes before making decisions. See our methodology.