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Pet Insurance Claims In Virginia


While we don't offer pet insurance along with our homeowner's coverage, many of our members have pets for which they purchase coverage from other providers. In fact, sixty percent of Virginia homes have at least one cat or dog (with dogs edging cats in popularity), and the average annual growth rate for pet insurance in 2020-2021 is 23.4% (NAPHIA).


So should you purchase insurance for your fur-baby? Here's what you need to know.


The Coverage and Costs

Pet Insurance comes in two coverage types.


A&I – Accident & Illness: Accident benefits plus illnesses such as cancer, infections, digestive problems, etc.


AO – Accident Only: Foreign body ingestion, lacerations, motor vehicle accident, ligament tears, poisoning, etc.


2020 Average Premiums (U.S.)

Pet Type

A&I - Accident & Illness

AO - Accident Only

Dog

Annual: $594.15

Annual: $218.13

Monthly: $49.51

Monthly: $18.17

Cat

Annual: $341.81

Annual: $133.61

Monthly $28.48

Monthly $11.13

Here's a a look at some cities in Virginia and the average monthly costs for insuring a pet from Healthy Paws. It shows that most Virginians will pay less than the national average for pet insurance, but the more metropolitan the area the higher the cost. This is due to greater accident risk as well as higher vet costs. California leads in animal insurance costs with an average of over $50 per month for dogs and $35 for cats.


City Monthly Cost

​City

Cost Per Month

Norfolk

$36.51

Roanoke

$29.46

Richmond

40.76

Portsmouth

$40.76

Charlottesville

$32.21

Dogs


The size of the dog and actuarial studies of the breeds affect insurance costs as well. The list below shows that larger dogs cost more than smaller dogs, though some smaller dogs may cost more because the breed has a history of certain conditions. Not shown in this list is "Mixed Breed" which ranks as the highest owned breed in Virginia. If you want to figure the average cost for your mixed breed, compare it to the breed it more closely resembles on this list.

Popularity Rank

Breed

Cost Per Month

1

Labrador

$48.81

2

German Shepherd

$44.74

3

Golden Retriever

$52.88

4

Bulldog

$50.84

5

Beagle

$44.74

6

French Bulldog

$52.78

7

Poodle

$52.88

8

Rottweiler

$52.88

9

Yorkshire Terrier

$32.54

10

Boxer

$52.88

12

Siberian Husky

$40.66

13

Dachshund

$32.54

18

Pembroke Welsh Corgi

$40.66

19

Cavalier King Charles Spaniel

$40.66

The older the dog, the higher the costs as well


Age

Cost Per Month

1

$39.15

2

$39.15

3

41.94

4

$44.74

5

$47.54

6

$55.93

7

$67.11

8

$78.30

9

$89.48

10

$100.67

11

$111.85

12

$125.83



Cats

The costs for insurance on a cat are also dependent on breed and age, though not size.

Popularity Rank

Breed

Cost Per M