Updated July 9, 2026
Why The Same Coverage Prices Differently
A comprehensive plan covers roughly the same things from breed to breed, accidents, illness, and hereditary conditions, so the premium swings you see below come almost entirely from claims history. A giant breed with a bloat risk or a flat-faced dog with breathing problems costs an insurer more to cover than a mixed-breed cat with no documented predisposition, and the table reflects that gap directly.
How This List Is Grouped
Large and giant working dogs sit at the top of the cost range, brachycephalic and long-backed small breeds cluster in the upper-middle, cats and mixed-genetic pets sit lowest, and everything else lands in between based on documented breed risk. Click through to any breed below for the conditions behind its number, typical lifespan, and what a comprehensive plan tends to exclude.
| Breed | Est. premium |
|---|---|
| French Bulldog | ~$61/mo |
| English Bulldog | ~$65/mo |
| German Shepherd | ~$49/mo |
| Labrador Retriever | ~$42/mo |
| Golden Retriever | ~$46/mo |
| Goldendoodle | ~$42/mo |
| Poodle | ~$42/mo |
| Boxer | ~$53/mo |
| Great Dane | ~$61/mo |
| Rottweiler | ~$53/mo |
| Dachshund | ~$46/mo |
| Chihuahua | ~$38/mo |
| Beagle | ~$42/mo |
| Yorkshire Terrier | ~$42/mo |
| Mixed breed dog | ~$38/mo |
| Domestic shorthair cat | ~$17/mo |
| Maine Coon | ~$23/mo |
| Persian cat | ~$23/mo |
| Ragdoll | ~$20/mo |
Related Reading
Run any of these breeds through the full cost calculator for an age-adjusted number, or use the worth-it tool to weigh a specific premium against likely lifetime vet bills.