How much does pet insurance cost for different dog breeds?

5 cheapest breeds to insure

• How we crunched the numbers

  We averaged out the annual cost to insure each breed from 6 Australian pet insurance providers for accident and illness plans. We selected a $0 excess, wherever possible. Quotes were taken in November 2021 for a male, desexed dog aged 1 years old. The owner was 24 years old at the time, residing in the 2010 postcode.

5 most expensive breeds to insure

• How we crunched the numbers

  We averaged out the annual cost to ensure each breed from 6 Australian pet insurance providers for accident and illness plans. We selected a $0 excess, wherever possible. Quotes were taken in November 2021 for a male, desexed dog aged 1 years old. The owner was 24 years old at the time, residing in the 2010 postcode.

Finder survey: Have pet insurance premiums gone up for people in the last 12 months?

Compare pet insurance premiums by dog breed

Just pop in your dog's breed below, and see how much you might pay for comprehensive cover, and how much pet insurance costs for different breeds. Curious to know how we got the numbers? Read more about our methodology below

• Cost to insure each dog breed (full list)

  Looking for a specific breed?

  Dog Breed	1 year old Average Accident & Illness Cost (Annual)	5 year old Average Accident & Illness Cost (Annual)
  Aberdeen Terrier	$1,494	$2,070
  Aberdeen Terrier Cross	$1,469	$2,081
  Affenpinscher	$1,098	$1,490
  Afghan Hound	$1,457	$1,934
  Airedale Terrier	$1,365	$1,774
  Airedale Terrier Cross	$1,248	$1,624
  Akita Inu	$1,175	$1,514
  Akita Inu Cross	$1,118	$1,449
  Alaskan Husky	$1,072	$1,430
  Alaskan Husky Cross	$1,018	$1,384
  Alaskan Klee Kai	$1,221	$1,579
  Alaskan Malamute	$1,707	$2,273
  Alaskan Malamute Cross	$1,184	$1,562
  Alsatian	$1,198	$1,587
  Alsatian Cross	$1,091	$1,457
  American Akita	$1,132	$1,475
  American Akita Cross	$1,017	$1,326
  American Bulldog	$2,281	$3,148
  American Bulldog Cross	$2,075	$2,938
  American Cocker Spaniel	$1,138	$1,498
  American Cocker Spaniel Cross	$1,085	$1,506
  American Eskimo	$1,175	$1,589
  American Eskimo Cross	$1,030	$1,400
  American Foxhound	$1,265	$1,755
  American Foxhound Cross	$1,079	$1,511
  American Pit Bull Terrier	$2,170	$3,119
  American Pit Bull Terrier Cross	$2,009	$2,938
  American Staffordshire Terrier	$1,271	$1,699
  American Staffordshire Terrier Cross	$1,159	$1,601
  American Water Spaniel	$1,161	$1,555
  American Water Spaniel Cross	$1,054	$1,413
  Anatolian Karabash	$1,115	$1,481
  Anatolian Karabosh Cross	$1,126	$1,560
  Anatolian Shepherd Dog	$1,146	$1,508
  Anatolian Shepherd Dog Cross	$1,077	$1,460
  Antartic Husky	$1,165	$1,611
  Antartic Husky Cross	$1,124	$1,558
  Australian Bulldog	$2,164	$2,929
  Australian Bulldog Cross	$2,007	$2,750
  Australian Bulldog Miniature	$2,374	$3,253
  Australian Bulldog Miniature Cross	$2,080	$2,926
  Australian Cattle Dog	$1,135	$1,475
  Australian Cattle Dog Cross	$1,018	$1,351
  Australian Cobberdog	$1,262	$1,746
  Australian Cobberdog Cross	$1,167	$1,582
  Australian Cobberdog Miniature	$1,240	$1,750
  Australian Cobberdog Miniature Cross	$1,197	$1,577
  Australian Heeler	$1,241	$1,707
  Australian Heeler Cross	$1,137	$1,575
  Australian Kelpie Sheepdog	$1,175	$1,575
  Australian Kelpie Sheepdog Cross	$1,067	$1,438
  Australian Koolie	$1,021	$1,331
  Australian Koolie Cross	$1,065	$1,483
  Australian Shepherd	$1,000	$1,365
  Australian Shepherd Cross	$916	$1,223
  Australian Silky Terrier	$1,142	$1,526
  Australian Silky Terrier Cross	$951	$1,272
  Australian Terrier	$1,173	$1,547
  Australian Terrier Cross	$931	$1,241
  Basenji	$1,080	$1,494
  Basenji Cross	$1,031	$1,403
  Basset Fauve De Bretagne	$2,034	$2,614
  Basset Fauve De Bretagne Cross	$1,633	$2,388
  Basset Hound	$1,565	$2,143
  Basset Hound Cross	$1,425	$1,963
  Beagle	$1,107	$1,560
  Beagle Cross	$1,035	$1,405
  Bearded Collie	$1,073	$1,409
  Bearded Collie Cross	$994	$1,310
  Bedlington Terrier	$1,387	$1,793
  Bedlington Terrier Cross	$1,306	$1,703
  Belgian Shepherd	$1,213	$1,585
  Belgian Shepherd - Laekenois/Groenendael	$1,189	$1,577
  Belgian Shepherd - Laekenois/Groenendael Cross	$1,149	$1,531
  Belgian Shepherd - Malinois	$1,198	$1,588
  Belgian Shepherd - Malinois Cross	$1,129	$1,542
  Belgian Shepherd - Tervueren	$1,246	$1,684
  Belgian Shepherd - Tervueren Cross	$1,120	$1,531
  Belgian Shepherd Cross	$1,129	$1,553
  Bernese Mountain Dog	$2,140	$2,930
  Bernese Mountain Dog Cross	$1,903	$2,682
  Bichon Frise	$1,043	$1,424
  Bichon Frise Cross	$885	$1,167
  Black and Tan Coonhound	$1,726	$2,442
  Black and Tan Coonhound Cross	$1,444	$2,072
  Black Russian Terrier	$1,586	$2,097
  Black Russian Terrier Cross	$1,350	$1,809
  Bloodhound	$1,829	$2,514
  Bloodhound Cross	$1,579	$2,235
  Blue tick Coonhound	$1,747	$2,467
  Blue tick Coonhound Cross	$1,463	$2,095
  Boerboel	$2,119	$2,828
  Boerboel Cross	$2,113	$2,938
  Bordeaux Mastiff	$2,272	$3,125
  Bordeaux Mastiff Cross	$2,113	$2,938
  Border Collie	$992	$1,313
  Border Collie Cross	$969	$1,293
  Border Terrier	$979	$1,281
  Border Terrier Cross	$882	$1,183
  Borzoi	$1,203	$1,595
  Borzoi Cross	$1,018	$1,381
  Boston Terrier	$1,436	$1,906
  Boston Terrier Cross	$1,455	$1,979
  Bouvier Des Flandres	$1,804	$2,419
  Bouvier Des Flandres Cross	$1,408	$1,846
  Boxer	$1,658	$2,175
  Boxer Cross	$1,471	$1,744
  Brazilian Mastiff	$2,153	$2,604
  Brazilian Mastiff Cross	$2,051	$2,480
  Briard	$1,147	$1,496
  Briard Cross	$1,070	$1,434
  British Bulldog	$2,221	$2,998
  British Bulldog Cross	$2,062	$2,816
  Brittany Spaniel	$1,057	$1,439
  Brittany Spaniel Cross	$950	$1,197
  Bull Arab	$1,070	$1,394
  Bull Arab Cross	$1,032	$1,362
  Bull Terrier	$1,636	$2,156
  Bull Terrier Cross	$1,340	$1,738
  Bullmastiff	$2,180	$2,919
  Bullmastiff Cross	$1,816	$2,429
  Cairn Terrier	$1,085	$1,443
  Cairn Terrier Cross	$1,023	$1,380
  Canaan Cross	$950	$1,299
  Cane Corso	$2,096	$2,857
  Cane Corso Cross	$1,884	$2,617
  Cao De Serra De Aires	$1,194	$1,587
  Cao De Serra De Aires Cross	$1,063	$1,424
  Cardigan Corgi	$1,218	$1,665
  Cardigan Corgi Cross	$1,179	$1,675
  Cavalier King Charles Spaniel	$1,210	$1,618
  Cavalier King Charles Spaniel Cross	$902	$1,188
  Cavoodle	$885	$1,156
  Central Asian Ovtcharka	$1,635	$2,183
  Central Asian Ovtcharka Cross	$1,431	$1,933
  Central Asian Shepherd	$1,393	$1,891
  Central Asian Shepherd Cross	$1,046	$1,585
  Cesky Terrier	$1,378	$1,845
  Cesky Terrier Cross	$1,280	$1,789
  Cheasapeake Bay Retriever	$1,244	$1,653
  Cheasapeake Bay Retriever Cross	$1,170	$1,596
  Chihuahua	$902	$1,230
  Chihuahua Cross	$845	$1,120
  Chinese Crested Dog	$1,031	$1,400
  Chinese Crested Dog Cross	$955	$1,295
  Chow Chow	$1,290	$1,689
  Chow Chow Cross	$1,193	$1,623
  Clumber Spaniel	$1,220	$1,636
  Clumber Spaniel Cross	$1,187	$1,628
  Cocker Spaniel	$1,113	$1,468
  Cocker Spaniel Cross	$965	$1,282
  Collie - Rough	$1,077	$1,433
  Collie - Rough Cross	$1,139	$1,344
  Collie - Smooth	$1,185	$1,399
  Collie - Smooth Cross	$1,155	$1,381
  Collie (Rough/Smooth) Cross	$1,010	$1,344
  Corgi	$1,300	$1,789
  Corgi Cross	$1,082	$1,456
  Coton De Tulear	$1,084	$1,492
  Coton De Tulear Cross	$983	$1,354
  Curly Coated Retriever	$1,176	$1,537
  Curly Coated Retriever Cross	$1,061	$1,422
  Dachshund	$1,127	$1,862
  Dachshund - Long Haired	$1,152	$2,030
  Dachshund - Long Haired Cross	$1,071	$1,936
  Dachshund - Smooth Haired	$1,152	$2,031
  Dachshund - Smooth Haired Cross	$1,072	$1,938
  Dachshund Cross	$1,040	$1,688
  Dachshund Wire Haired	$1,111	$1,866
  Dachshund Wire Haired Cross	$1,071	$1,936
  Dalmatian	$1,299	$1,711
  Dalmatian Cross	$1,161	$1,556
  Dandie Dinmont Terrier	$1,330	$1,788
  Dandie Dinmont Terrier Cross	$1,417	$1,814
  Danish-Swedish Farm Dog	$1,028	$1,408
  Danish-Swedish Farm Dog Cross	$941	$1,288
  Deerhound	$1,855	$2,472
  Deerhound Cross	$1,651	$2,244
  Dingo	$994	$1,651
  Dingo Cross	$930	$1,260
  Doberman Pinscher	$1,911	$2,766
  Doberman Pinscher Cross	$1,587	$2,245
  Dobermann	$2,124	$3,210
  Dobermann Cross	$1,296	$1,708
  Dogo Argentino	Restricted breed	Restricted breed
  Dogo Argentino Cross	Restricted breed	Restricted breed
  Dogue De Bordeaux	$2,218	$2,963
  Dogue De Bordeaux Cross	$1,905	$2,609
  Drever	$1,225	$1,732
  Drever Cross	$1,133	$1,539
  Dutch Shepherd	$1,291	$1,739
  Dutch Shepherd Cross	$1,163	$1,584
  Egyptian Pharoah Hound	$1,614	$2,370
  Egyptian Pharoah Hound Cross	$1,128	$1,564
  Elkhound	$1,232	$1,677
  Elkhound Cross	$989	$1,317
  English Mastiff	$1,977	$2,641
  English Mastiff Cross	$1,714	$2,336
  English Pointer	$1,101	$1,435
  English Pointer Cross	$999	$1,358
  English Setter	$1,369	$1,800
  English Setter Cross	$1,345	$1,810
  English Springer Spaniel	$1,148	$1,473
  English Springer Spaniel Cross	$1,047	$1,372
  English Toy terrier	$988	$1,319
  English Toy terrier Cross	$926	$1,269
  Estrela	$1,801	$2,519
  Estrela Cross	$1,619	$2,296
  Field Spaniel	$1,121	$1,518
  Field Spaniel Cross	$1,056	$1,472
  Fila Brasileiro	Restricted breed	Restricted breed
  Fila Brasileiro Cross	Restricted breed	Restricted breed
  Finnish Lapphund	$1,096	$1,441
  Finnish Lapphund Cross	$991	$1,348
  Finnish Spitz	$1,019	$1,417
  Finnish Spitz Cross	$966	$1,284
  Flat Coated Retriever	$1,252	$1,643
  Flat Coated Retriever Cross	$1,132	$1,510
  Formosan Mountain Dog	$1,242	$1,629
  Fox Hound	$1,362	$1,653
  Fox Hound Cross	$1,064	$1,482
  Fox Terrier Smooth	$957	$1,030
  Fox Terrier Smooth Cross	$895	$1,199
  Fox Terrier Wire	$957	$1,263
  Fox Terrier Wire Cross	$901	$1,240
  French Bulldog	$2,309	$3,101
  French Bulldog Cross	$2,111	$2,874
  French Poodle	$1,170	$1,552
  French Poodle Cross	$1,203	$1,649
  Gazelle Hound	$1,676	$2,283
  Gazelle Hound Cross	$1,539	$2,097
  German Hunting Terrier	$1,011	$1,342
  German Koolie	$1,025	$1,390
  German Koolie Cross	$985	$1,340
  German Pinscher	$1,480	$2,029
  German Pinscher Cross	$1,421	$2,042
  German Schnauzer	$1,918	$2,795
  German Schnauzer Cross	$1,159	$1,665
  German Shepherd	$1,270	$1,672
  German Shepherd Cross	$1,078	$1,424
  German Short Haired Pointer	$1,164	$1,613
  German Short Haired Pointer Cross	$1,026	$1,340
  German Spitz	$1,043	$1,360
  German Spitz Cross	$977	$1,244
  German Wire Haired Pointer	$1,121	$1,518
  German Wire Haired Pointer Cross	$1,033	$1,402
  Golden Doodle (Groodle)	$1,101	$1,536
  Golden Retriever	$1,238	$1,637
  Golden Retriever Cross	$1,026	$1,362
  Gordon Setter	$1,386	$1,820
  Gordon Setter Cross	$1,369	$1,840
  Grand Basset Griffon Vendeen	$1,672	$2,338
  Great Dane	$1,940	$2,575
  Great Dane Cross	$1,609	$2,133
  Great Pyrenean	$2,029	$2,795
  Great Pyrenean Cross	$1,837	$2,559
  Greek Harehound	$1,441	$2,030
  Greek Harehound Cross	$1,169	$1,663
  Greyhound	$1,599	$2,103
  Greyhound Cross	$1,069	$1,407
  Greyhound Racing Dog	$2,165	$2,986
  Griffon	$1,173	$1,579
  Griffon Brabancon	$1,320	$1,858
  Griffon Brabancon Cross	$1,193	$1,693
  Griffon Bruxellois	$1,333	$1,873
  Griffon Bruxellois Cross	$1,203	$1,762
  Griffon Cross	$1,080	$1,459
  HamiltonStovare	$1,061	$1,505
  HamiltonStovare Cross	$1,032	$1,442
  Harrier	$1,142	$1,590
  Harrier Cross	$1,040	$1,453
  Havanese	$930	$1,232
  Havanese Cross	$849	$1,201
  Hovawart	$1,579	$2,135
  Hovawart Cross	$1,274	$1,693
  Hungarian Kuvasz	$1,145	$1,498
  Hungarian Kuvasz Cross	$1,065	$1,412
  Hungarian Puli	$1,200	$1,715
  Hungarian Puli Cross	$1,181	$1,645
  Hungarian Vizsla	$1,580	$2,246
  Hungarian Vizsla Cross	$1,439	$2,065
  Huntaway	$1,725	$2,352
  Huntaway Cross	$1,641	$2,222
  Hygen Hound	$1,829	$2,542
  Hygen Hound Cross	$1,564	$1,890
  Ibizan Hound	$1,426	$1,925
  Ibizan Hound Cross	$1,348	$1,760
  Irish Red and White Setter	$1,461	$1,787
  Irish Red and White Setter Cross	$1,360	$1,804
  Irish Setter	$1,507	$1,825
  Irish Setter Cross	$1,396	$1,751
  Irish Terrier	$1,367	$1,854
  Irish Terrier Cross	$1,321	$1,787
  Irish Water Spaniel	$1,502	$2,013
  Irish Water Spaniel Cross	$1,360	$1,829
  Irish Wolfhound	$1,904	$2,466
  Irish Wolfhound Cross	$1,371	$1,787
  Italian Cane Corso	$1,913	$2,555
  Italian Greyhound	$1,405	$1,831
  Italian Greyhound Cross	$1,339	$1,778
  Italian Lagotto Ramgnolo	$1,271	$1,796
  Italian Lagotto Ramgnolo Cross	$1,186	$1,699
  Italian Pointer	$1,303	$1,839
  Italian Pointer Cross	$1,210	$1,683
  Italian Sheepdog	$1,205	$1,653
  Italian Sheepdog Cross	$1,098	$1,490
  Italian Spinone	$1,168	$1,574
  Italian Spinone Cross	$1,102	$1,502
  Jack Russell Terrier	$947	$1,225
  Jack Russell Terrier Cross	$847	$1,122
  Japanese Akita	$1,093	$1,428
  Japanese Akita Cross	$980	$1,435
  Japanese Chin	$1,142	$1,542
  Japanese Chin Cross	$1,063	$1,419
  Japanese Spitz	$996	$1,323
  Japanese Spitz Cross	$910	$1,216
  Kangal	$1,528	$2,050
  Kangal Cross	$1,447	$1,951
  Keeshond	$1,241	$1,702
  Keeshond Cross	$1,181	$1,676
  Kelpie	$1,241	$1,707
  Kelpie Cross	$1,129	$1,575
  Kerry Blue	$1,414	$1,910
  Kerry Blue Cross	$1,355	$1,878
  King Charles Spaniel	$1,138	$1,382
  King Charles Spaniel Cross	$942	$1,276
  Komondor	$1,056	$1,362
  Komondor Cross	$1,039	$1,349
  Kuvasz	$1,139	$1,561
  Kuvasz Cross	$1,097	$1,475
  Labradoodle	$1,060	$1,437
  Labradoodle Cross	$1,142	$1,464
  Labrador	$1,394	$1,830
  Labrador Cross	$1,183	$1,565
  Labrador Retriever	$1,263	$1,644
  Labrador Retriever Cross	$1,052	$1,430
  Lagotto Rom	$1,416	$1,911
  Lagotto Rom Cross	$1,093	$1,491
  Lakeland Terrier	$1,170	$1,407
  Lakeland Terrier Cross	$1,031	$1,399
  Leonberger	$1,951	$2,668
  Leonberger Cross	$1,600	$2,191
  Lhasa Apso	$1,236	$1,648
  Lhasa Apso Cross	$1,114	$1,500
  Louisiana Catahoula Leopard Dog	$1,573	$2,216
  Louisiana Catahoula Leopard Dog Cross	$1,199	$1,669
  Lowchen	$1,144	$1,538
  Lowchen Cross	$1,052	$1,468
  Lurcher	$1,364	$1,803
  Lurcher Cross	$952	$1,257
  Malinois Shephard	$1,374	$1,889
  Malinois Shephard Cross	$1,281	$1,783
  Maltalier	$1,078	$1,484
  Maltalier Cross	$1,668	$2,315
  Maltese	$891	$1,185
  Maltese Cross	$821	$1,121
  Manchester Terrier	$1,295	$1,703
  Manchester Terrier Cross	$1,271	$1,754
  Maremma Sheepdog	$1,090	$1,434
  Maremma Sheepdog Cross	$1,010	$1,371
  Mastiff	$1,991	$2,637
  Mastiff Cross	$1,818	$2,228
  Mexican Hairless	$1,070	$1,404
  Mexican Hairless Cross	$1,037	$1,369
  Miniature Bull Terrier	$1,235	$1,617
  Miniature Bull Terrier Cross	$1,110	$1,470
  Miniature Dachshund	$1,112	$1,867
  Miniature Dachshund - Smooth Haired	$1,152	$1,866
  Miniature Dachshund - Smooth Haired Cross	$1,066	$1,817
  Miniature Dachshund - Wire Haired	$1,112	$1,867
  Miniature Dachshund - Wire Haired Cross	$1,066	$1,817
  Miniature Dachshund Cross	$1,066	$1,817
  Miniature Dachshund Cross Cross	$1,066	$1,817
  Miniature Dachshund- Long Haired	$1,112	$1,867
  Miniature Dachshund- Long Haired Cross	$1,066	$1,817
  Miniature Doberman	$1,592	$2,111
  Miniature Doberman Cross	$1,492	$1,996
  Miniature Fox Terrier	$920	$1,201
  Miniature Fox Terrier Cross	$867	$1,146
  Miniature Maltese	$1,263	$1,754
  Miniature Maltese Cross	$1,096	$1,590
  Miniature Pinscher	$1,174	$1,544
  Miniature Pinscher Cross	$1,101	$1,447
  Miniature Poodle	$1,092	$1,456
  Miniature Poodle Cross	$996	$1,349
  Miniature Schnauzer	$1,070	$1,404
  Miniature Schnauzer Cross	$902	$1,207
  Miniature Toy Pom	$1,203	$1,610
  Miniature Toy Pom Cross	$969	$1,283
  Munster	$1,758	$2,372
  Munster Cross	$1,681	$2,238
  Munsterlander - Large	$1,192	$1,648
  Munsterlander - Large Cross	$1,101	$1,493
  Neopolitan Mastiff	$2,180	$2,635
  Neopolitan Mastiff Cross	$1,655	$2,189
  New Guinea Singing Dog	$1,007	$1,368
  New Guinea Singing Dog Cross	$966	$1,316
  New Zealand Huntaway	$1,746	$2,454
  New Zealand Huntaway Cross	$1,617	$2,261
  Newfoundland	$2,178	$2,915
  Newfoundland Cross	$1,817	$2,428
  Norfolk Terrier	$1,107	$1,469
  Norfolk Terrier Cross	$1,088	$1,472
  Norwegian Elk Hound	$1,172	$1,564
  Norwegian Elk Hound Cross	$997	$1,306
  Norwegian Hound	$1,124	$1,505
  Norwegian Hound Cross	$1,115	$1,548
  Norwich Terrier	$1,128	$1,493
  Norwich Terrier Cross	$1,106	$1,493
  Nova Scotia Duck Tolling Retriever	$1,123	$1,476
  Nova Scotia Duck Tolling Retriever Cross	$1,046	$1,381
  Old English Sheepdog	$1,240	$1,587
  Old English Sheepdog Cross	$1,065	$1,444
  Otterhound	$1,893	$2,662
  Otterhound Cross	$1,538	$2,183
  Papillon	$1,046	$1,382
  Papillon Cross	$917	$1,205
  Parson Jack Russell Terrier	$1,008	$1,328
  Parson Jack Russell Terrier Cross	$975	$1,313
  Patterdale Terrier	$1,036	$1,344
  Pekingese	$1,247	$1,648
  Pekingese Cross	$1,128	$1,497
  Petit Basset Griffon Vendeen	$1,437	$2,068
  Petit Basset Griffon Vendeen Cross	$1,464	$2,070
  Pharaoh Hound	$1,491	$2,002
  Pharaoh Hound Cross	$1,397	$1,807
  Pinscher	$1,480	$2,028
  Pinscher Cross	$1,507	$2,146
  Plott Hound	$1,727	$2,442
  Plott Hound Cross	$1,512	$2,150
  Polish Lowland Sheepdog	$1,196	$1,535
  Polish Lowland Sheepdog Cross	$1,119	$1,467
  Pomeranian	$1,056	$1,424
  Pomeranian Cross	$851	$1,127
  Poodle - Standard	$1,131	$1,457
  Poodle - Standard Cross	$1,036	$1,248
  Poodle - Toy	$1,056	$1,387
  Poodle - Toy Cross	$872	$1,143
  Portuguese Water Dog	$963	$1,282
  Portuguese Water Dog Cross	$966	$1,295
  Prague Ratter	$959	$1,298
  Pressa Canario	Restricted breed	Restricted breed
  Pressa Canario Cross	Restricted breed	Restricted breed
  Pug	$1,270	$1,706
  Pug Cross	$1,078	$1,458
  Puli	$1,048	$1,407
  Puli Cross	$976	$1,373
  Pyrenean Mountain Dog	$1,652	$2,208
  Pyrenean Mountain Dog Cross	$1,533	$2,120
  Rat Terrior	$932	$1,220
  Rhodesian Ridgeback	$1,670	$2,283
  Rhodesian Ridgeback Cross	$1,102	$1,432
  Rottweiler	$2,178	$2,915
  Rottweiler Cross	$1,817	$2,428
  Saluki	$1,400	$1,850
  Saluki Cross	$1,352	$1,817
  Samoyed	$1,268	$1,651
  Samoyed Cross	$1,167	$1,546
  Sarplaninac	$1,706	$2,260
  Sarplaninac Cross	$1,522	$2,066
  Schipperke	$1,003	$1,331
  Schipperke Cross	$917	$1,224
  Schnauzer Giant	$1,726	$2,390
  Schnauzer Giant Cross	$1,108	$1,511
  Schnauzer Standard	$1,455	$2,023
  Schnauzer Standard Cross	$1,049	$1,462
  Schnoodle	$921	$1,200
  Schnoodle Cross	$1,008	$1,260
  Scotch Collie	$1,018	$1,376
  Scotch Collie Cross	$995	$1,360
  Scottish Terrier	$1,370	$1,732
  Scottish Terrier Cross	$1,205	$1,648
  Sealyham Terrier	$1,393	$1,863
  Sealyham Terrier Cross	$1,390	$1,919
  Shar-Pei	$2,159	$2,863
  Shar-Pei Cross	$2,068	$2,756
  Shetland Sheepdog	$1,033	$1,366
  Shetland Sheepdog Cross	$962	$1,304
  Shiba Inu	$1,066	$1,435
  Shiba Inu Cross	$985	$1,384
  Shih Tzu	$1,115	$1,505
  Shih Tzu Cross	$1,008	$1,373
  Shiloh shepherd	$1,314	$1,765
  Shiloh shepherd Cross	$1,147	$1,468
  Siberian Husky	$1,060	$1,431
  Siberian Husky Cross	$1,028	$1,363
  Skye Terrier	$1,154	$1,545
  Skye Terrier Cross	$1,088	$1,468
  Smithfield Cross	$1,000	$1,358
  Soft Coated Wheaten Terrier	$1,205	$1,619
  Soft Coated Wheaten Terrier Cross	$1,110	$1,473
  Spanador	$1,467	$1,839
  Spanador Cross	$1,637	$2,316
  Spanish Water Dog	$1,084	$1,429
  Spanish Water Dog Cross	$1,019	$1,372
  Spitz Mittel	$1,156	$1,448
  Spitz Mittel Cross	$1,063	$1,383
  Spoodle Cross	$1,077	$1,487
  Spoodle/Cockapoo	$903	$1,179
  Springer Spaniel	$1,132	$1,473
  Springer Spaniel Cross	$1,047	$1,372
  St Bernard	$2,075	$2,797
  St Bernard Cross	$1,672	$2,208
  Staffordshire Bull Terrier	$1,215	$1,578
  Staffordshire Bull Terrier Cross	$1,111	$1,442
  Staghound	$2,158	$2,857
  Staghound Cross	$1,420	$1,906
  Stumpy Tail Cattle Dogs	$1,029	$1,375
  Stumpy Tail Cattle Dogs Cross	$953	$1,258
  Sussex Spaniel	$1,172	$1,569
  Sussex Spaniel Cross	$1,114	$1,421
  Swedish Vallhund	$1,102	$1,482
  Swedish Vallhund Cross	$1,068	$1,483
  Swiss Mountain Dog	$2,272	$3,125
  Swiss Mountain Dog Cross	$1,881	$2,610
  Swiss Mountain Dog Cross	$2,216	$2,610
  Swiss Shepherd	$1,317	$1,775
  Swiss Shepherd Cross	$1,078	$1,595
  Tenterfield Terrier	$1,116	$1,505
  Tenterfield Terrier Cross	$901	$1,240
  Tibetan Mastiff	$1,976	$2,640
  Tibetan Mastiff Cross	$1,731	$2,331
  Tibetan Spaniel	$1,051	$1,427
  Tibetan Spaniel Cross	$892	$1,194
  Tibetan Terrier	$1,156	$1,554
  Tibetan Terrier Cross	$1,055	$1,430
  Timber Shepherd	$1,342	$1,850
  Timber Shepherd Cross	$1,127	$1,564
  Tosa Inu	$2,272	$3,125
  Tosa Inu Cross	$2,113	$2,938
  Turkish Kangal	$1,276	$1,745
  Turkish Kangal Cross	$1,158	$1,560
  Weimaraner	$1,657	$2,178
  Weimaraner Cross	$1,523	$2,008
  Welsh Corgi - Cardigan	$1,131	$1,504
  Welsh Corgi - Cardigan Cross	$1,049	$1,440
  Welsh Corgi - Pembroke	$1,138	$1,467
  Welsh Corgi - Pembroke Cross	$1,083	$1,480
  Welsh Springer Spaniel	$1,141	$1,484
  Welsh Springer Spaniel Cross	$1,054	$1,381
  Welsh Terrier	$1,117	$1,478
  Welsh Terrier Cross	$1,110	$1,470
  West Highland White Terrier	$1,120	$1,441
  West Highland White Terrier Cross	$885	$1,197
  Whippet	$1,328	$1,820
  Whippet Cross	$1,266	$1,675
  Wire-haired Pointing Griffon	$1,163	$1,613
  Wire-haired Pointing Griffon Cross	$1,081	$1,478
  Wire-Haired Terrier	$1,168	$1,759
  Wire-Haired Terrier Cross	$1,111	$1,444
  Wolf/ Wolf Hybrid	$1,566	$2,170
  Wolfhound	$1,452	$1,894
  Wolfhound Cross	$1,240	$1,604
  Yorkshire Terrier	$1,069	$1,420
  Yorkshire Terrier Cross	$897	$1,181
  Yugoslavian Mountain Hound	$1,352	$1,836
  Yugoslavian Mountain Hound Cross	$1,067	$1,482

Methodology: We averaged out the cost from 6 Australian pet insurance providers for accident and illness plan, we selected a $0 excess, wherever possible. Quotes were taken in November 2021 for a male, desexed dog that was born on 13/2/2016 for the 5-year-old dog and 13/2/2020 for the 1-year-old dog. The owner was 24 years old at the time, residing in the 2010 postcode.

Compare pet insurance options for your dog

How does pet insurance work?

Pay for protection

To avoid unexpected veterinary costs if your pet suffers from an illness or injury, with pet insurance, you pay a premium either monthly or annually – policies cost an average of $20 to $60 a month.

Visit a vet

You can visit any licensed vet in Australia if your pet gets sick (as long as it's not due to a pre-existing condition) or injured. In most cases, you pay the vet directly for the bill. Some providers in Australia offer GapOnly, which means your pet insurance claim is calculated while you're at the vet, so you only pay the gap.

Get reimbursed

You get between 60% and 100% of your pet's vet costs reimbursed. You can generally claim a maximum of $12,000 and $25,000 per year, depending on the policy you choose, which is why it's worth comparing pet insurance.

• How to make a pet insurance claim

  1. Present evidence from a veterinary professional that your dog needs medical treatment. This can be in the form of consultation notes.
  2. Collect receipts and/or an itemised invoice from your vet visit.
  3. If it's the first claim, you'll sometimes need to show your pet's full medical history.
  4. Fill in the necessary claim forms. Sometimes you'll need your vet to sign these.
  5. Send all of the above to your insurer.

  Your insurer will then double-check to see if the health issue is covered by your policy, and let you know how much you'll be reimbursed.

What changes the cost of pet insurance?

Yes, breed can impact the cost of pet insurance, but that's not all. Here are a few other factors that play a significant part in setting your premiums.

Age

Premiums usually increase with your dog's age, especially for illness cover.

Breed

Different breeds have different risk levels. Large dogs for example are typically more at risk of cruciate ligament injuries, while other breeds might be more susceptible to medication allergies. Pedigree breeds in particular are more susceptible to congenital health issues.

Sex

Different breeds are more susceptible to certain health risks.

Desexing

Desexing your dog can significantly lower your premiums as it reduces the risk of your dog contracting common serious illnesses and the likelihood of risky behaviour, such as running away or aggression towards other dogs.

Location

This can affect how likely your dog is to experience injuries, such as being hit by a car, as well as the typical vet fees you can run into. There's usually little regulation around how much vets can charge for their services, so you might find different prices in different places.

While veterinary fees are largely unregulated, the insurance industry is not. Your premiums are a reflection of actual risk levels, so higher premiums generally mean you're more likely to get more use out of your pet insurance.

How can I lower my pet insurance premiums?

There are several tips and tricks to reduce your pet insurance premiums. However, doing so could mean you'll be out of pocket later down the line:

Raise your excess. By choosing a higher pet insurance excess (the amount you'll have to pay if you make a claim), you are likely to find lower premiums than the averages listed on this page.

Pick a different type of cover. Accident-only cover is typically the cheapest dog insurance, whereas cover for accidents and illness is generally the most expensive. You can also select different policy limits to reduce your premium - this is the most your pet insurance will pay out in a 12 month period.

Shop around. Different insurers might assess dogs differently based on their breed and age, so the cheapest option for one person is not necessarily the cheapest for another. It's always worth shopping around to see if you can find better value dog insurance.

Why you can trust Finder's pet insurance experts

We're free

You pay the same as buying directly from the pet insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.

We're experts

Our team of pet insurance experts have researched and rated 25+ policies as part of the Finder Awards. We've produced guides on everything from the best policies to jargon-free explainers.

We're independent

Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of pet insurance brands, making it easier for you to find a good deal.

We're here to help

Since 2016, we've helped 110,000+ people find pet insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.