Cost Of Pet Insurance For Puppies, 1 Year, & 2-Year-Old Dogs (Mixed and Purebred)

I wanted to buy pet insurance for my new puppy and was curious approximately how much it would cost. 

Unfortunately, I could not find any pet health insurance sample quotes without filling out multiple applications and giving up my personal information. 

Until now! 

The age of your pet plays a substantial role in determining the amount of your pet insurance policy. 

For instance, Older pets, like people, tend to suffer more health problems and cost more to insure. 

With this in mind, we have compiled the best pet insurance premiums based on your puppy’s age to give you an idea of what to expect. 

While age plays a significant role in your pet insurance cost, the type of breed of your dog will also determine the price. 

Mixed breeds and crossed breed dogs statistically have less genetically passed on health problems and cost much less to insure than purebred dogs. 

Some purebred dogs suffer from several genetic health problems and cost significantly more than other types that don’t have a history of medical issues. 

For younger dogs from puppy age, too, 1 year, and 2-year-old dogs, Health Paws tends to have the best prices for pet insurance, and we’ve used their sample quotes in our cost of pet insurance charts. 

Rest assured that we’ve put a bunch of time into researching the estimated costs of pet insurance for your pound puppy or purebred dog to help you make the right decision for your pup. 

Factors That Determine Pet Health Insurance Premiums

While age is the number one factor that will determine the cost of pet health coverage, there are quite a few variables that play a role in the total premium. 

1. Mixed/Crossbred or Purebred – It is common knowledge that purebred dogs genetically pass on health problems to their offspring. Because of this, purebred dog owners will pay more for pet insurance than a ‘Heinz 47’ variety of mutt. 
2. Breed – Some breeds of purebreds have more health conditions than others. The breed you choose will affect your pet’s health coverage costs. 
3. Size/Weight – Smaller dogs tend to have fewer health problems than larger dogs, and for this reason, the bigger your dog, the more it will cost you. 
4. Gender – For whatever reason, female dogs are less injury-prone than male dogs, and your rates will reflect this fact. 
5. State/City/Zip Code – It is absolutely crazy, but your rates will change based on where you live all the way down to your zip code. If you live in two locations, I will get a quote for both, and you may be surprised how much cheaper one state is than another. 
6. Deductible – This makes pretty good sense; the more you are willing to pay before the insurance kicks in, the less your puppy’s pet insurance will cost. Typical pet health insurance deductibles range from $250, $500, $750, up to $1,000. 
7. Reimbursement Amount – When you insure a puppy, 1-year-old dog, or 2-year-old dog, you usually can choose from three reimbursement levels, 70% reimbursement, 80% reimbursement, or 90% reimbursement. As your dog gets older, the policy reimbursement levels go down. The higher the reimbursement amount, the costlier the pet insurance policy will be. 
8. Age – The number one factor in determining your pet insurance cost will be the age of your puppy or dog. 

Read more: Pet Insurance and Age: How Your Dog\’s Age Affects Your Premiums

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How Much Does Pet Insurance Cost For A Puppy?

If you are considering pet insurance, you won’t find it any cheaper than if you buy it when you still have a puppy under 1 year of age. (For more information, read our “What breed is the cheapest for pet insurance?“).

While puppies are clumsy at a young age, they don’t typically suffer from many health problems and are expected to need the least amount of vet care from all other aged dogs. 

For this reason, it is relatively inexpensive to insure your puppy. 

Read more: Best Pet Insurance for Puppies

Related: 10 Things You Must Know Before You Buy Pet Insurance

If you have a puppy aged dog under 30 pounds, you can insure it for as little as $17.88 a month, with a 70% reimbursement option and a $500 deductible. 

The cost increases if you increase the reimbursement amount or lower the deductible. 

Pet Insurance Quotes For Small Mixed Breed Puppy 

Pet Insurance Reimbursement %	Monthly Cost
70% Reimbursement	$17.99
80% Reimbursement	$19.97
90% Reimbursement	$24.90

*Pet insurance rates may vary based on your dog’s gender, pre-existing conditions, plan details, your location, deductible, reimbursement percent, and more.  Rates above were supplied by Healthy Paws, are for illustration purposes only, and may change often.  

Keep in mind that your puppy’s size also plays a significant role in pet insurance’s monthly cost, just like the age. 

Larger dogs do not live as long and, statistically, have more health problems than smaller ones, so they cost more to insure. 

Your dog’s size is determined at the time you sign up, so signing up a puppy when it is small will save you money in the long run. 

However, if you have a purebred puppy, the cost will be a bit more than a crossbred or mixed bred dog. 

Read more: Pet Insurance for Purebred Dogs

 

Healthy Paws will charge you at least $28.62 to insure a dachshund puppy compared to a mixed breed puppy at $17.88. 

Insuring a dachshund or other purebred puppy would cost you $10.63 more a month, a 38% premium over a non-pure bred puppy. 

This is because ‘weiner-dogs’ suffer from many known hereditary medical issues, such as back problems, knee issues, and brittle bones disease. 

Pet Insurance Quotes For Dachshund Puppy 

Pet Insurance Reimbursement %	Monthly Cost
70% Reimbursement	$28.62
80% Reimbursement	$32.00
90% Reimbursement	$39.96

*Pet insurance rates may vary based on your dog’s gender, pre-existing conditions, plan details, your location, and more.  Rates above were supplied by Healthy Paws, are for illustration purposes only, and may change often.  

You can learn more about Daschund as pets and their costs to insure at different ages by visiting our article about Daschunds. 

 

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1-Year Old Dog Pet Health Insurance Coverage Costs 

Pet health insurance is still extremely reasonable for a dog that is 1 year old. 

If you have a medium-sized 1-year-old dog, you can get a health pet insurance policy for as low as $27.26. 

If you have a smaller dog, the cost would be less, and a larger dog would cost you a bit more. 

Read more: History of Pet Health Insurance

Pet Insurance Quotes For Medium Crossbred 1-Year-Old Dog

Pet Insurance Reimbursement %	Monthly Cost
70% Reimbursement	$27.26
80% Reimbursement	$30.49
90% Reimbursement	$38.06

*Pet insurance rates may vary based on your dog’s gender, pre-existing conditions, plan details, your location, and more.  Rates above were supplied by Healthy Paws, are for illustration purposes only, and may change often.  

Labrador retrievers usually fall within the medium-sized dog category, weighing on average between 31 and 59 pounds as adults. 

However, while your crossbred playmate may cost $27.26 a month to insure, a one-year-old Labrador retriever will start at $40.28 a month. 

 

What is also interesting is that Health Paws will not allow you to purchase the 90% reimbursement policy for a one-year-old lab; you will only have 70% or 80% reimbursement options. 

Whereas you can purchase a 90% reimbursement policy for your mixed breed-year-old dog but not a purebred. 

This is because labrador retrievers suffer from a multitude of health problems like hip dysplasia, knee problems, and cataracts.  

If your lab lives long enough, expect to have some vet visits. 

Pet Insurance Quotes For 1-Year-Old Labrador Retriever

Pet Insurance Reimbursement %	Monthly Cost
70% Reimbursement	$40.28
80% Reimbursement	$45.05
90% Reimbursement	Not Available

*Pet insurance rates may vary based on your dog’s gender, pre-existing conditions, plan details, your location, and more.  Rates above were supplied by Healthy Paws, are for illustration purposes only, and may change often.  

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What Does It Cost To Cover My 2 Year Old Dog’s Health Insurance

Once your dog hits two years old, you will lose the option to purchase 90% reimbursement insurance with Health Paws regardless of if you have a crossbred or purebred dog. 

This is one good reason to purchase pet insurance as early as possible. 

Larger breed dogs that weigh 60 pounds or more cost the most to insure. 

Pet insurance tends to be about the same price whether you have a large mutt or a purebred canine friend. 

This is because regardless of the breed, the extra weight takes its toll on the knees, hips, and back equally, so you see similar health problems with large dogs. 

A mixed-breed 2-year-old dog over 60 pounds will cost you $36.36 a month for 70% reimbursement coverage with a $500 deductible. 

Pet Insurance Quotes For Large Mixed Breed 2-Year-Old Dog

Pet Insurance Reimbursement %	Monthly Cost
70% Reimbursement	$36.36
80% Reimbursement	$40.69
90% Reimbursement	Not Available

*Pet insurance rates may vary based on your dog’s gender, pre-existing conditions, plan details, your location, and more.  Rates above were supplied by Healthy Paws, are for illustration purposes only, and may change often.  

Whereas, one of the most popular large breeds, a German Shepherd, won’t cost you much more at $44.27 per month for pet insurance. 

 

German Shepherds suffer from hip dysplasia, cataracts, and degenerative spinal cords, to name a few common health problems. 

The problem with large dogs is that they all seem to suffer from these ailments as they age, and so the cost to insure a purebred 2-year-old dog over a mutt isn’t that much more. 

Pet Insurance Quotes For 2-Year-Old German Shepherd

Pet Insurance Reimbursement %	Monthly Cost
70% Reimbursement	$44.27
80% Reimbursement	$49.53
90% Reimbursement	Not Available

*Pet insurance rates may vary based on your dog’s gender, pre-existing conditions, plan details, your location, and more.  Rates above were supplied by Healthy Paws, are for illustration purposes only, and may change often.  

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Understanding How To Save Based On Your Dog’s Age 

A standard calculation to figure your dog’s age is to multiply it by 7 years. 

This means that your puppy or one-year-old dog is aging seven times as fast as you are. 

Each year your dog has a birthday, the insurance company increases the pet insurance premium 25% – 50% depending on all the factors we discussed earlier. 

That is a HUGE increase! 

But here is a tip…

Read more: How To Calculate A Dog’s Age in Human Years

The insurance companies don’t increase your premium until your dog is two years old. 

If you purchase pet insurance for a dog that is one year and 11 months old, you will pay a premium for a 1-year-old dog, not a two-year-old dog, saving you a ton of money! 

The sooner you sign your dog up for pet insurance, the better because the premium will increase quite a bit at each birthday, and additional coverage options will decrease the older your dog gets. 

Why We Like Healthy Paws

Here’s what we like about Healthy Paws for your puppy, 1 year, or 2-year-old dog.  Healthy Paws is the only pet insurance company that provides unlimited lifetime benefits with an annual deductible. This means that there is no limit on the number of claims you can file, and no cap on reimbursements. Your pet is also covered for any accident or illness for life.

Some policies at other companies have restrictions for hereditary or congenital conditions, including cancer, but not Healthy Paws.  They automatically reimburse congenital and hereditary condition diagnosis and treatment with no hassle.

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