Typical monthly premiums by breed
| Breed | Typical monthly range* | Main cost drivers |
|---|---|---|
| French Bulldog | $60–$90+ | Breathing (BOAS), spine (IVDD), skin allergies |
| Golden Retriever | $45–$65 | Cancer risk, hip & elbow dysplasia |
| German Shepherd | $50–$70 | Hip/elbow dysplasia, degenerative myelopathy, bloat |
| Labrador Retriever | $40–$75 | Joint/cruciate injuries, obesity-related illness |
*Ranges summarize published estimates (Insurify, Fetch, Spot, Compare.com, PetPlace, Forbes Advisor) for a young-to-adult dog on accident & illness coverage. Your quote depends on age, ZIP code, and plan settings.
Why breed changes the price
- Hereditary conditions: Purebreds with known genetic risks (hips, spine, breathing, cancer) generate more claims.
- Size: Bigger dogs usually mean bigger drug doses, bigger surgeries, and bigger bills.
- Brachycephalic breeds: Flat-faced dogs (Frenchies, Bulldogs, Pugs) are among the most expensive to insure.
- Mixed breeds: Typically cheaper than purebreds of similar size.
How to compare quotes for your breed
- Get at least 3 quotes with identical settings (deductible, reimbursement %, annual limit).
- Check how each policy handles your breed's known conditions — some exclude or cap hereditary conditions.
- Enroll young: premiums rise with age, and conditions diagnosed before enrollment count as pre-existing.
See the full pet insurance cost guide for averages across all dogs and cats.