Pet insurance and vet bills, explained with real data
Independent guides to how pet insurance works, what it costs, and how to pay for veterinary care. Every figure links to its source.
Pet insurance
Vet costs
Paying for care
Product safety
Key numbers
- $836 / $435 average annual accident-and-illness premium for dogs / cats in 2025 (NAPHIA)
- 4.27% of U.S. pets are insured (NAPHIA)
- +4.6% veterinary services prices, 12 months to September 2026 (BLS)
- 52% of owners skipped or declined recommended care; 71% of them cited cost (PetSmart Charities–Gallup)
Written by Lucas Cardemil, an independent publisher. General information, not veterinary, insurance, or financial advice. See the Editorial Policy.