How much does pet insurance cost for different dog breeds?

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How much does pet insurance cost for dogs? Whether you have a popular Aussie dog breed like a labrador, or a more exotic pedigree like a Lhasa Apso, we've found out the average cost of insuring your furry friend.

The breed and age of your dog can affect the cost of your premiums, so we researched the cost for every possible 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.

Compare pet insurance premiums by dog breed

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

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 pet insurance works

Pet insurance typically pays out for the total vet fees involves in treating specific conditions. Cancer, for example, might call for different treatments depending on the dog, and the type of cancer. The vet will prescribe a treatment course, and you can then take that information to the pet insurance provider to make a claim.

If it's a reasonable treatment course, for a health issue that's covered by your policy, the insurer can cover the costs up to any applicable limits.

This means dog health insurance premiums are based on the expected vet fees, which is affected by the likelihood of different health issues, and how much vets in your area will typically charge for these.

Are you paying too much for pet insurance?

If you're paying more to cover your dog than the prices listed on this page, it means you might be paying too much. These are average prices for a no-excess, high-limits comprehensive dog insurance plan, which means you can most likely find equivalent cover cheaper, depending on your dog's age and some other factors.

What factors impact my pet insurance premiums?

Some of the main factors insurers consider when determining your premiums are:

  • Age: Premiums typically increase considerably with age, especially for illness cover. Not only are dogs more at risk of health issues, but veterinary care can also get more expensive.
  • Breed: Different breeds have very different risk levels. Large dogs, for example, are typically more at risk of cruciate ligament injuries, while some breeds might be more susceptible to medication allergies, and likely to require special medication or equipment if they undergo surgery. Pedigree breeds in particular are often more susceptible to congenital health issues.
  • Gender: Different genders, of different breeds, are more susceptible to different health risks.
  • Whether your dog is desexed: Generally desexing your dog can significantly lower your premiums. This can reduce their risk of common serious illnesses, such as cancer, as well as reduce the likelihood of risky behaviour, like escaping or aggression towards other dogs.
  • Your 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're likely to run into. Unlike medicine for people, there's generally little regulation around how much vets can charge for their services, so you might find very different expenses in different places.

While veterinary fees are largely unregulated, the insurance industry is not. Your premiums are a reflection of the actual risk levels, so higher premiums generally means you're more likely to get use out of your pet insurance. But there are still plenty of ways to find cheaper pet insurance.

How can I lower my pet insurance premiums?

If these premiums see expensive, it's worth noting that you can almost certainly find comprehensive cover that's cheaper.

  • Raise your excess: The premiums above are for a no-excess policy. By choosing a higher pet insurance excess, 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, while cover for accidents and illness is generally the most expensive dog insurance. You can also select different policy limits. These limits are the most your pet insurance will pay out in a 12 month period, so they can affect your costs significantly. This page shows the average cost of pet insurance for comprehensive policies with the highest available limits.
  • Shop around: These are the average premiums from six different insurers, which means that at least one of them is offering cheaper prices than these. However, 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 can be worth shopping around to find better value for money dog insurance.

How to find cheaper pet insurance

What's the most expensive dog to insure?

Different breeds are more and less expensive to insure under different cover types. Generally, larger dogs and pedigree breeds are more expensive to insure. Depending on which type of cover type you choose, you'll find different premiums. For example:

  • Italian Cane Corso: As a large, energetic and fairly dominant breed, even in later ages, the Italian Cane Corso is also relatively accident prone, and attracts some of the highest accident-only pet insurance premiums in Australia
  • French bulldog: At younger ages this breed is one of the most expensive to insure for accident only cover. It is especially likely to experience separation anxiety, especially at younger ages, and may be more likely to injure itself. This pedigree breed is also prone to a range of health issues, and suffers from an exceptionally poor ability to regulate body heat. At older ages, the potential for congenital health issues means it remains one of the more expensive breeds to insure against illness too.

There are a lot of factors are involved, and it's largely down to you and your dog's specific situations. Compare dog insurance policies and get quotes to see how much it might cost you to get covered. Shop around to make sure that this is true for your particular situation, as prices may vary considerably based on several factors, including the age and breed of your pet.

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